Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Enhanced recovery reported to my credit report for XXXX for charter communications. I do not believe this debt to be mine and have not received any validation. This has popped up before under a different collection agency that was also found to be invalid and was already removed.
Company Response:
State: CA
Zip: 92377
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was notified my credit report had negative activity. Upon looking at the XXXX report I saw a debt listed from Enhanced Recovery which was originally an XXXX XXXX XXXX account. I do not have any business with XXXX XXXX XXXX This is the third time this has happened due to an XXXX XXXX XXXX error.. Earlier this year it happened to be for someone with an address in a different town. I have spent entirely too many hours of my life trying to correct errors made by XXXX XXXX XXXX due to their failure to confirm identities.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS DEBT THAT ENHANCED RECOVERY COLLECTIONS CLAIM I OWE TO XXXX IS THE VERY SAME CELL PHONE ACCOUNT THAT ORIGINALLY WAS OWNED BY XXXX XXXX XXXX I HAD THIS SERVICE FOR 1 WEEK AND WAS DISSATIFIED AND CANCELLED THE SERVICE, I THEN SENT BACK BOTH HANDSETS VIA XXXX IN XXXX. I NEVER RECEIVED ANY OTHER FORMS OF COMMUNICATION FROM THEM, THEN IN XXXX I RECEIVED A COLLECTION LETTER FROM XXXX XXXX, I FOLLOWED PROTOCOL AND SENT THEM MY XXXX RECEIPTS FOR THE HANDSETS AND THIS COLLECTION WAS DISPUTED BY MYSELF WITH XXXX XXXX FOR {$950.00}. XXXX STATED THIS COLLECTION WAS DONE AND WAS REMOVED. NOW THAT XXXX WAS ACQUIRED BY XXXXTHIS IS THE SAME SITUATION, IVE SENT BACK THOSE HANDSETS IN XXXX, ATTACHED ARE MY RECEIPTS. PLEASE REMOVE COLLECTIONS FROM XXXX, XXXX AND XXXX.
Company Response:
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom this may concern, ( ENHANCED RECOVERY CO L Account XXXX ) accessed my report without my permission. That is a violation pursuant to 15 U.S.C Section 1681n civil liability. Any unauthorized inquiry is a violation and I ask for {$1000.00} for every violation.
Company Response:
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dont know who this is XXXX
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: These were credit cards and even though they have been written off they were sold to collection agencies which is against the law. I want them removed.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC Reference Number XXXX | Original creditor : XXXX XXXX XXXX ERC and XXXX XXXX XXXX continuously attempt to collect a debt from me that is not owed from an account that is not mine and refuse to provide any evidence of any contractual relationship between myself and them beyond a bill attributed to a " XXXX XXXX '' at the address " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX '' despite that I have NEVER so much as been to the state of California, nevermind EVER residing there. XXXX XXXX is a common name combination and ERC and XXXX XXXX XXXX are negatively impacting my credit and are harassing me as a result of their own negligence. I do not owe XXXX XXXX XXXX/ERC the alleged debt. I never held the address alleged by XXXX XXXX XXXX/ERC, or any California address for that matter. XXXX XXXX XXXXXXXXERC refuse to provide any evidence of any contractual relationship.
Company Response:
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a bill in the amount of {$1500.00}. from a company called ERC stating that they are trying to collect a debt owed to XXXX XXXX XXXX. I have never had any account or accounts with XXXX XXXX XXXX. The reference # XXXX was provided by ERC, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX and XXXX are in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n. I am making this complaint against ENHANCED RECOVERY COL ( ERC ), for committing identity theft. I have never given ENHANCED RECOVERY COL ( ERC ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with ENHANCED RECOVERY COL ( ERC ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving ENHANCED RECOVERY COL ( ERC ) any right to collect on this alleged debt. I have never received any documentation requesting validation from ENHANCED RECOVERY COL ( ERC ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ENHANCED RECOVERY COL ( ERC ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ENHANCED RECOVERY COL ( ERC ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ENHANCED RECOVERY COL ( ERC ), continues its collection efforts, I will file for litigation for actual damages caused and ENHANCED RECOVERY COL ( ERC ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A