Date Received: 2021-02-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2021 I received a call from ERC, a debt collection firm at XXXX XXXX EDT. Representative XXXX engaged in appropriate debt collection practices at the start of the call. This call is for a debt owed in the amount of {$770.00} to which I agreed to pay a settlement in the amount of {$540.00}. I explained to the representative that I will pay off the agreed upon balance within 30 days when more money comes in to settle the account as previously agreed but will only be afforded the reduced agreement at which point I voiced that I no longer wished to be recorded. Representative continued to ask question and press for more information while I had placed representative on mute. I stated to the representative that I no longer wished to be recorded on two additional occasions thereby forcing me to terminate the call. As I am actively seeking to repair credit in order to purchase a home loan, I am in a position which prioritizes collection agencies who are willing to work with me to re-establish a positive standing. For those who are unwilling to delete from record bad debt such as ERC are placed in a lower bracket to be paid off within 30 days. I feel that although my acceptance of the call at the start was respected, my wish to no longer being recorded in the last minute of the interaction was not honored per mini-Miranda rights.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. When I recently called XXXX directly, they said they had no account under my name ENHANCED RECOVERY COMPANY , LLC says XXXX internet/cable bill was for the address at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX But I never lived at # XXXX, I lived at # XXXX, so obviously ENHANCED RECOVERY COMPANY , LLC is either charging me for someone elses account and they never sent me a notice to the right address. Account Information : ENHANCED RECOVERY COMPANY , LLC account : opened date : XXXX XXXX, Balance {$51.00}, This situation for me is stressful, it has affected my credit score. I want the remove acccount from all bureaus ASAP.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Received a phone call from ERC wanting me to pay for a past due bill from XXXX. Tried keep me on automated system. before finally having to wait for a operator. Wanted my social security number. Wouldn't give it. Said the were trying to collect a debt from XXXX. Called on XX/XX/XXXX @ XXXX from XXXX
Company Response:
State: FL
Zip: 32129
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: DEBT COLLECTOR COMPANY SHOWED UP ON MY CREDIT REPORT CONTACTED ME AND USED UNFAIR PRACTICES TO COLLECT A PAYMENT FROM A ALLEGED DEBT
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent a letter to XXXX asking for validation on XX/XX/2020 and XX/XX/2020 and never received a response. XXXX has since removed this account from my XXXX report. I sent a letter to ERC regarding validating this XXXX account on XX/XX/2020 and XX/XX/2020. I did not receive a timely response. A response was received after I mailed the XX/XX/2020 letter. ERC submitted documentation claiming to validate the account. All I received were billing statements not addressed in my full legal name. I sent a request to XXXX and XXXX on XX/XX/2020 and have not received a response.
Company Response:
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Identity Theft. The account XXXX listed on my consumer credit reports in the amount of {$98.00} is fraudulent and is a result of Identity Theft. This account has no association to me as I never had a XXXX account and this is a direct result of Identity Theft. Furthermore, Enhanced Resource Centers ( ERC ) has failed to verify the debt and follow the debt collection policies under the Federal Law Fair Debt Collection Practices Act ( FDCPA ). This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act ( FCRA ) and the Federal Law Fair Debt Collection Practices Act ( FDCPA ), Enhanced Resource Centers ( ERC ), you are required by State and Federal laws to cease all debt collection, and remove this fraudulent account from my consumer credit report. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have attempted to reach Enhanced Recovery Company on numerous occasions regarding this debt that I allegedly owe for {$1000.00}. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Enhanced Recovery Company nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Enhanced Recovery Company provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its SOL, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Company Response:
State: TX
Zip: 77088
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: All of a sudden i receive a bill from this collector, I then see that this fraudulent collection is on my credit report. It makes me ill that these predatory collectors are attempting to scam people especially during these trying times. I demand that they immediately erase this false debt and remove it from my credit! They should be ashamed! I tried to contact them with no answer.
Company Response:
State: WI
Zip: 53221
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a debt collection bill in the mail XX/XX/XXXX from Enhanced Recovery Company for the amount of {$410.00} for XXXX XXXX XXXX XXXX XXXX, I reached out to the company and its for someone who used my social security number and my name but in XXXX XXXX Michigan. I live in Arizona and have never in my life even been to XXXX nor do I know anyone there nor did I give anyone permission to use my personal information. I also see another charge for XXXX on my credit report from the same company Enhanced Recovery Company. Both accounts show they were open in XXXX of XXXX. These do not belong to me and this is fraud.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A