Date Received: 2020-10-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection Enhance Recovery XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ERC is reporting {$670.00} is owed to them, with an original account balance from XXXX. I called ERC on XX/XX/2020 at XXXX AM to get more information. They informed me they do not have an account there for me and that it was closed XXXX. Then I called XXXX at XXXX on XX/XX/2020 and they told me they can't access any accounts on/for me. Both companies put the blame on the other and were not helpful in giving me any information on how to get this removed.
Company Response:
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ERC continuously keeps putting identity theft account on my credit and causing me hardships. I have sent police reports several times and they keep replacing the debt on all three bureaus.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company XXXX put a derogatory item on my credit report which I disputed multiple times and they took it off my credit, and it appeared up on my credit report through another company.. Im in the process of trying purchase a home and it came on my XXXX. The new company is called ERC. The account number is # XXXX with the company XXXX The last dispute letter date was XX/XX/2020 The amount is for {$100.00}
Company Response:
State: MI
Zip: 49508
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced Recovery Company , LLC located at XXXX XXXX XXXX, XXXX FL XXXX ( ERC ) represented XXXX XXXX XXXX on a collection matter in which I owed a small sum of money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I canceled my services with XXXX XXXX XXXX in a prior time frame and had no knowledge there was a balance due after canceling. Originally I thought ERC and one other collection company were contacting for the same account. By the time I realized the account was split up and one was in collection with ERC, I contacted ERC to dispute or settle the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) portion of the outstanding bill. I promptly paid the amount requested and was told the information will be removed from my credit report once the payment has cleared. Additionally, I paid the other collection company that separately represented the Cable TV ( XXXX XXXX XXXX XXXX ) portion of my old XXXX XXXX XXXX bill and they promptly, even without me asking, removed the collection account from my credit report. However, ERC has not removed the XXXX XXXX XXXX XXXX collection account from my credit report. I have called them on at least 4 occasions regarding this matter since XX/XX/2020. On the first 3 calls, representatives from ERC told me that XXXX XXXX XXXX was responsible for removal. However, when reaching out to XXXX XXXX XXXX XXXX Office of the President, I was told they have no control over removal. Not only did XXXX XXXX XXXX mistreat me and create confusion over splitting up the originally bundled bills between services, which made me think the collections were for the same account, ERC is still creating confusion and circular conversations on who's responsible for removal. ERC was not transparent about their policies pertaining to removing the account from my credit report prior to and after me paying them. The amount due was minuscule and does not require any additional reporting to credit bureaus. Such a small sum of money does not warrant this type of aggressive collection behavior. There is absolutely no reason for it to be there. ERC appearance on the credit report gives a false suggestion that the debt is still outstanding. I am having difficulties obtaining a mortgage because of it.
Company Response:
State: TX
Zip: 77381
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I apologize for disturbing anyone who may read this complaint but enough is enough I am tired of Enhanced Recovery Company Reporting this alleged debt on my Credit Report. I initially gave them extra time to respond because we are under pandemic but not it's been too long it is inaccurate and even worse it is unproven!!!! The Date of last activity inaccurate the date of first major delinquency not consistent with the Alleged original Creditors date This alleged collection looks reage I contacted them via mail to get them to send me the 1099-OID for this report and they did not reply at all not even with the original creditor or any file that may have answers to questions I have about this Account. So now I want them to upload the proof Original contract with the third party clause naming them as the rightful owners of this alleged debt Furthermore Upload the 1099-OID Original Issue Discount to this dispute portal So far they have not answered any of these requests yet continuously report on my credit
Company Response:
State: AL
Zip: 36535
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
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: 02124
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX RECEIVED THE LETTER.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: That account was already solved. I spoke to the main company that sent me to collections, i already settled it it was a unfair confusion that was stated during documentation.
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On my credit report there is a collection agency attempting to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A