Date Received: 2020-12-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX has for last 7+ years been restarting the claim saying i owe them money when they broke contract by screwing up my phone i had has a back up and putting it on the account of who i bought the newer phone from and would not correct it, kept raising the bill every month and wouldn't correct it, repeatedly called and harassed me and threatened to take me to court and sue for past due amount. original account is over 7 years old so how does it keep renewing and showing up?
Company Response:
State: TX
Zip: 76106
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: IL
Zip: 60188
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Credit Reporting Agency ( XXXX, XXXX XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT ERC -ENHANCED Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT PLEASE HAVE THIS INACCORATE INFORMATION REMOVED AT ONCE. XXXX CHILD SUPPORT COLLECTION AGENCY, ACCOUNT # XXXX IS ON MY CREDIT 2X WITH A XXXX AND A XXXX THIS IS NOT MINE, XXXX CHILD SUPPORT COLLECTION AGENCY ACCOUNT # XXXX IS ON MY CREDIT REPORT 2XFOR THE SUM XXXX THIS IS ALSO NOT MINE BOTH ACCOUNTS WERE OPEN ON THE SAME DAY, PLEASE HAVE THE inaccurate INFO REMOVED FROM MY CREDIT FILE.As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/XXXX ASSN : XXXX As proof of my identity, I have included copies of my, Social Security card, drivers license, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX XXXX billed me for {$1100.00} dollars and was sent to collections. On XX/XX/XXXX I was XXXX until XX/XX/XXXX I reached out to the company and they said if I don't pay them it will continue to damage my credit. They never notified me of the payments and just sent it to collections I now can not rent apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.
Company Response:
State: CA
Zip: 95348
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent this company ( ENHANCE RECOVERY CO L ) a validation of debt letter to them and have not be responded to yet which was sent on XXXX XXXX they are sending me calls & mail about this {$1300.00} debt their trying to collect that I have knw knowledge about
Company Response:
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account has never been my account this was a fraudulent account. My services were with my employer which was XXXX XXXX XXXX in which I was working in Texas at the time they state that debt was acquired XX/XX/2017- I was not living where they have XXXX XXXX. Because they don't have XXXX in XXXX, TX. When contacted for resolve phone just rang and rang. The agent was very rude and unhelpful in finding where the debt came from, tried to verify the information. None of it matched in her system not even the last 4 of the social.
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I made a complain thru XXXX and no solution is getting resolve because it is a big company which is XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX is a fraud. The first issue is the name of the account. I called and notify them that the name in the account is misspelled and I told them multiple times to change it but it never happened. There is a problem with this : First, I am paying the account with different name this caused problem with credit history and debt collection. This gives a negative report to my credit. The second issue is that I was supposed to get my refund once I turned in the equipment to XXXX after the account is close and I have the receipt. After few months, I received phone calls and letter from the debt collection agency stating that I owe XXXX XXXX XXXX and I saying that I did not return the equipment. I made a multiple phone calls, sometimes 2-4 hours a day just to resolve this matter. I keep getting cut off or I keep getting transferred from one agent to another. XXXX XXXX XXXX told me that my account is close with the different name ( XXXX XXXX ) so that they wont deal with me anymore but issue is not resolved and they open a new account to charge me of the refund amount. Not only XXXX XXXX XXXX owes me the refund from the returned equipment, they also wrongfully charge me for no reason and turn the account into the collection agency to give my credit an bad review. At one point my credit is down to XXXX, I have to call the credit agency and spend more money to monitor my credit. I've been dealing with this since 2018. This is my last resort and I need help.
Company Response:
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, ENHANCED RECOVERY COMPANY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: WA
Zip: 99224
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Company is currently reporting a collection to XXXX and XXXX regarding a XXXX debt. I have never had an account with XXXX and this is a result of identity theft. I have tried to resolve this issue 3 times with the credit bureaus directly, in addition to submitted a copy of an FTC police report to Enhanced Recovery Company demonstrating that this does not belong to me, yet they continue to report this false debt which is affecting my credit.
Company Response:
State: NC
Zip: 289XX
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A