Date Received: 2020-12-04
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: 027XX
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to ENHANCED RECOVERY CO L agency because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX and XXXX reports prevents me from achieving the desired results. I am kindly requesting ENHANCED RECOVERY CO L agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Company Response:
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In late XXXX after a move to a different state, was contacted by ERC of FL, by phone and mail, stating that I owed over a XXXX dollars to XXXX XXXX XXXX XXXX. This debt ( as verified by XXXX/XXXX did not exist ). Again in late XXXX, was contacted by phone and letter that I owed over {$1000.00} to XXXX XXXX XXXX, XXXX. I verified 3 times, checking even with my SS number, in case it was stolen. This debt never existed. In phone conversations, the caller from ERC would give addresses from former houses, with the right street, but wrong house number ( which I did not verify ), and birth years to verify that were outrageous. I filed a complaint with the XXXX of FL and received a reply from ERC, saying that I would be taken off their call list, since I disputed the claim. In my opinion, this company has committed wire fraud and mail fraud. I can only image the number of older people who have, without question, paid a debt to satisfy a fraudulent claim.
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt collection agency has taken on abusive practices. I previously complained about a XXXX debt by way of XXXX XXXX in XXXX of 2020. The Harrassment stopped and I later received a derogatory mark on behalf of XXXX from Enhanced Recovery Company one month later. In an effort to quickly resolve the issue I offered to pay for removal. I paid the random {$63.00} debt for XXXX and the reporting persists with a XXXX balance. Not only that a new XXXX debt has appeared today for over triple the amount of the first debt. I am writing so that this dangerous recycling and reporting of old paid debts or unknown accounts cease. I had one comcast years ago and have not had any new unpaid debts nor unreturned equipment. These phone calls have been recorded. My credit report shows two derogatory marks from Enhanced Recovery Company in starkly different amounts. I believe there have been federal violations and innacurate reporting which have been detrimental to my fair credit rating. Please advise.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Company Response:
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Stuff on my report that wasnt me
Company Response:
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery Company has reported a collection account to my consumer credit file in the amount of XXXX. I do not owe this alleged debt. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Caller refused to identify themselves. used profane and threatening language. They threatened to get sheriff to arrest me and put me in a forced labior camp. used XXXX slurs.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. ( XXXX XXXX with A balance of XXXX ) I have attached A screenshot of the reporting reflecting on my consumer report. I have NEVER had service with this company or owed this company A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC - Enhanced Recovery Company has repeatedly sent me mail and called me excessively stating that I owe a debt to them in the amount of {$3400.00}. I have wrote them several letters disputing the validity of this debt. They have never responded to my letters. The last letter that I mailed them they refused to except the letter at all. They are reporting this inaccuracy on all 3 credit bureaus which has lowered my credit score drastically. XXXX XXXX XXXX previously attempted to collect on this same inaccurate debt and upon realizing this was not my debt and several letters to them they removed it from my credit bureaus but then sold it to ERC. This is harassment and I will file a complaint with my attorney general 's office if this does not stop.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A