Date Received: 2021-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: OK here is the trouble : XXXX and XXXX subsidiaries trying to collect big bucks that were passed long ago of limitation back in XXXX when all collection attempts failed to collect because of no income in my part /unemployed /when the economy went under in YR XXXX. So why are they now trying to collect money a second time, that was way long past due and destroying my credit reputation as well. havent they ruin my life long enough, Then they decided to return and collect the fees a second time again and destroy my credit once more for something long ago! many years ago! ( XXXX ) and they're coming back to trouble me a second time they should be ashamed. I think this has been passed way its limitations in California regulation seven years I believe It's limitations to collect or report anything on your credit obviously they're probably breaking the law. I don't know that but obviously, they are abusing the system and it's not right. Shame on all three, XXXX XXXX and the third-party agency collecting. yeah, I read the disgusting letters when they arrive wanting to collect for a dept that was past its time many years ago! Then upon reading Increasing additional fees from original past due {$390.00} last I remember? to collection attempts in XXXX why! - Today it is increased by {$800.00} how can that be doubled the amount? then asking to settle the payment for {$440.00} and XXXX cents. we are in the year XXXX. We are living in critical times once more you're attempting to collect monies once more!!! when this should have fallen from its limitations years ago!! I am struggling to stay alive and make ends meet like so many Americans in dire times all over this pandemic you are a disgusting organization. sprint t-mobile ECR collection 's I believe this is already breaking the law attempts for money that was owed long ago! XXXX and XXXX you should be ashamed. Trying to ruin and tarnish my credit which took so many years to repair and recover after the economic smash in the yearXXXX when I was unable to establish or make my payment obligations. Now again they're attempting to come back and ruin and steal my life away once more. to attempt to collect something that was 16 years ago past its limitations for sure, this is wrong to ruin my credit status once more! and collecting! ( WTH ) by threatening to report to all three agencies is devasting to me! when it was due many years ago 16 years ago! CFBP please protect my rights, or advise.
Company Response:
State: CA
Zip: 95134
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contact the company through written notice XX/XX/XXXX to let them know I do not owe them {$1900.00}. the company did not respond and verify the debt according to the letter I sent. The company continues to report on my credit XX/XX/XXXX that I owe now {$1900.00}. They are reporting two different amounts {$1900.00} XXXX and {$1900.00} XXXX. The company has not notified me or contact me about this debt. I just saw it on my credit. I have reached out in regards of finding out why, because I do not own this debt. They have yet to respond. The debt is said to be with XXXX, but it is owned by enhanced recovery collection. I am attaching the letter I mailed in XXXX and the documents I sent with it.
Company Response:
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I received a debt collection notice regarding a bank I do not have an account with XXXX XXXX ), I believe this is a fraudulent mailing- dated XXXX XXXX from ERC XXXX XXXX XXXX XXXX XXXX FL XXXX I am invited to 'pay with cash at XXXX and & - XXXX XXXX '' in the amount of {$2500.00}
Company Response:
State: CT
Zip: 06437
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've disputed this debt with both the credit bureaus and Enhanced Recovery Company multiple times, and I have received no responses at all from Enhanced Recovery. They continue to report the account on my credit, and have verified it with the credit bureaus. I am entitled to the same information the credit bureaus are when it comes to accounts being reported against me. This information must be erroneous, and they are reporting it, which is a violation of the FCRA. PLEASE HELP ME!
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The account is not my account and I have never had any business with Enhanced Recovery/XXXX. I sent a letter regarding a debt collection attempt for Enhanced Recovery/XXXX indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXXmy husband called ERC for account XXXX. The letter had a debt from XXXX or XXXX essentially asking that half be paid to resolve the debt. I have been married for 10 years and the debt is under my maiden name. I have strictly had XXXX on my dad or husbands plan since XXXX grade. At no time have I ever had XXXX or XXXX XXXX. ERC refused to talk to my husband on my behalf. It is absurd and wrong that I have to jump through hurdles on a charge that I have never made. While I understand the need for collections when bills are not paid I also do not understand why they refuse to talk to my husband about this issue. As I have stated previously I certify my consent to talk to my husband directly.
Company Response:
State: AZ
Zip: 85396
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Enhanced Recovery collection placed someone elses debt on my credit report and they stated it was from 2008. I have no idea who these people are and was never a client of theirs. I never had XXXX or whatever it is reporting. XXXX XXXX ignored a dispute claim I filed on the card they are reporting and never investigated. It was multiple charges on the card thats were fraud.
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Company , LLC, Doing Business As, ERC Reported a false balance onto my credit report that I DO NOT OWN in the amount of {$1300.00} on XX/XX/XXXX by there client XXXX. I CONTACTED ERC on XX/XX/XXXX and ERC Agreed to summit deletion request with all credit bureaus involved. ERC sent a letter via email stating the account will be removed with a confirmation number for the deletion XXXX As of XX/XX/XXXX ERC continues to report false and inaccurate information onto my credit report.
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On the morning of XXXX XX/XX/XXXX, I received a notice from my credit reporting site that a negative mark was placed on my credit. Upon review, I found a collection account dated XXXX XXXX XXXX had been placed by a collection company entitled ERC XXXX Enhanced RecoveryCompany ) in the amount of {$3200.00}. I immediately contacted the company and was told there was an outstanding balance with a telecommunications provider in a different amount XXXX {$3100.00} ) than listed via two credit bureaus through an address unassociated with me or my family. The collections agent verified my name and the last four digits of my social, but I told the person I had no business with that company and I never lived at the address or used their services. I inquired if the debt the collection agency, ERC, was attempting to collect was purchased as debt or did the company represent the telecommunications company. I asked so I would know who to request proof of contract/account and a fraud packet to fill out. The telephone collections agent stated that ERC is not the owner of the debt, that ERC " merely acts as a collector for XXXX XXXX XXXX, but we do not own the paper [ debt ] ''. The agent did give me the account information with which I contacted the telecommunications company ( XXXX XXXX XXXX ). They had no record of the debt and generally could not pinpoint an account. Due to this I contacted ERC again and asked for additional details and requested a fraud packet again, and again was denied. With the information, I called back to XXXX XXXX XXXX and was told there was an " open '' account and that someone was still using the account eventhough ERC stated it was closed for non-payment in XXXX. I then called back to ERC still requesting a fraud packet, still being denied. I then contacted XXXX XXXX XXXX 's fraud department and was told there was a closed account for non-payment with yet again different address, amount and close date. As well, the collections division at XXXX XXXX XXXX informed me that the account was 'sold ' to ERC. I asked the agent to verify that statement of the collection being sold and it was verified twice more that the 'paper ' had been sold " directly '' to ERC. Four hours after going back and forth between ERC XXXX whose parent company is one of the the top 10 debt purchasing companies in the country ) and XXXX XXXX XXXX, I demanded to speak with a supervisor to request a fraud packet from ERC since they placed the account on my credit as a collection. This caused my credit to drastically fall. When I identified the information was false and that I had been prevented numerous times from receiving verification of debt as well as a fraud package since I have not done business with this company and therefore owe nothing, the supervisor read the debt collection disclaimer and stated he was going to send me to escalations so that I could be sent a fraud packet by email ( which I also requested in earlier calls ). Moments later, during transfer, I was disconnected from the call. I was never sent a fraud packet, eventhough ERC stated they were returning the item, they lied numerous times to avoid allowing me fair process to defend my credit by exposing the fraud they are committing in baiting and switching the information by address, account number, amount, open and close dates and active or inactive account information. We have never received ANY demand from XXXX XXXX XXXX and obviously couldn't because it's not a debt that is collectible! I still have no fraud packet, the item is still on my credit and I am still being footballed around! I've asked repeatedly to have the reporting business ( ERC ) to send proof of signature/contract/acknowledgement or anything. They ( 4 collection agents and 1 supervisor + 5 hours of talk ) lied about who owned the account in its current position. When verifying the information, ERC stated they would return the account so that XXXX XXXX XXXX could " research '' the account, but I asked for a fraud packet so that I could prove debt/bad account wasn't mine. XXXX XXXX XXXX can't have ERC 's collection removed from my credit. Only ERC can do that. Yet, everyone refused and then refused for 2 entire hours to let me speak to an ERC supervisor. When the supervisor finally got on the line, he acknowledged that ERC purchased the debt from XXXX XXXX XXXX and that I could request a fraud packet be emailed to me to expedite the removal from the credit, but then disconnected the call. That was in the 5th and final hour. The item remains on my credit. Their intentions are to discourage and prevent me from accessing the fraud packet to have this hoaxed collection removed from my credit!
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: To whom it may concern ENHANCED RECOVERY CO # XXXX is an account that was legally discharged in a bankruptcy USBK COURT XXXX OHIO Docket # XXXX. Please delete this account at once it is an error!
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A