Date Received: 2020-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have contacted this company several times and informed them that this account is not mines. I have also sent them a letter stating that this account is not of my knowing. If this doesn't get resolved soon i will be forced to use legal actions. Please remove this account as soon as possible.
Company Response:
State: VA
Zip: 238XX
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 was result of identity theft
Consumer Complaint: I have contacted this company several times and informed them that this account is not mines. I have also sent them a letter stating that this account is not of my knowing. If this doesn't get resolved soon i will be forced to use legal actions. Please remove this account as soon as possible.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX, Enhanced Recovery Company ( ERC XXXX sent a letter attempting to collect on a debt of {$120.00} on behalf of XXXX XXXX XXXX XXXX. I responded with a certified letter by mail consisting of the following : " XXXX : XXXX XXXX XXXX, XXXX. Account : **** I was notified by your company on XX/XX/XXXX regarding an alleged debt. I have reason to believe that this debt is an error on the part of the original creditor as I returned all equipment and closed my account with no notice of outstanding balances in XXXX of XXXX. Since that time, I have not been informed of any outstanding debts by any individual until receipt of this letter from ERC. I request that the following information be provided to me by mail : 1. Proof of my agreement to pay the original creditor ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, including a copy of the original account statement issued by the original creditor showing a breakdown of total amount due ; 4. Documentation showing you are licensed to collect debts in Pennsylvania. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. Aside from the above requested documentation for purposes of verifying the debt, do not contact me about this debt. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. '' This letter was received by ERC and they then sent a repeat of their initial letter with only the amount, and none of the other items mandated by the FDCPA. Since that time I heard nothing from the company until XX/XX/XXXX when they contacted my father. They contacted a third party without my consent, or by following the proper channels. Since then they have contacted my father 14 times, approximately once per day. So to be clear, I am reporting ERC for : contacting a third party without consent, contacting after receiving a request in writing to cease contact, and collecting a debt that is not due.
Company Response:
State: PA
Zip: 18704
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: " Enhanced Recovery Company '', a debt collection company, placed a collection notice on my XXXX XXXX credit rep ort WITHOUT any letter or other notification advising me of that alleged debt. I am under the impression that all collection companies are required to FIRST send a letter giving the respondent 30 days to dispute the debt. This Company did NOT do this. I NEVER knew about this collection until it appeared on my credit report.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This Account is the promotion of inaccurate reporting on my credit to damage my credit file violating my privacy, the unfairness of false credit reporting that is now fraud, because it is a lie, it is FAKE, I DO NOT OWE NOTHING WHATSOEVER TO XXXX XXXX XXXX WHICHEVER ONE WILL CLAIM TO BE XXXX XXXX XXXX OR ANY ENHANCED RECOVERY COMPANY LLC A THIRD PARTY VIOLATING MY RIGHTS TO FAIRNESS AND PRIVACY. I have no business relationship with anyone of these so call XXXX XXXX XXXX this is for over five years. It is also where an account got twisted that fraudulently was created forcing me with my daughter 's account to pay all paid and ended with whichever XXXX XXXX XXXX 2018. My daughters account was connected to my old account and that was completely closed and paid in full 2018 under tax laws call DEAD ACCOUNT. Now some XXXX XXXX XXXX who wants consumers to pay their debt want to falsely crate a collection company having ENHANCED RECOVERY COMPANY create false made up fraudulent balance from using a CLOSED over two years with BRAND NAME USAGE to fraudulently SCAM I XXXX and maybe many others to pay off their debt-THIS IS FRAUD WITH THIS PANDEMIC GREED HUNTERS FOR MONEY. There is NO BALANCE of {$120.00} I HAVE NO BUSINESS RELATIONSHIP NONE WHATSOEVER with XXXX XXXX XXXX for any fraudulent collection company to violate Fair Credit Reporting Act ( FCRA ). This is a SCAM using dead accounts so it seems real and that is taking advantage where this is NOW identity theft because I have no business relationship with XXXX XXXX XXXX bank, or NONE SO TO SAY WHICH XXXX XXXX XXXX THIS WILL apply TO names of XXXX XXXX XXXX usage of BRAND NAMES, nor do I ever have any third party business relationship to/WITH Enhances Recovery Company C/O ENHANCED RECOVERY COMPANY # XXXX, XXXX XXXX XXXX XXXX, XXXX , FL XXXX, phone number ( XXXX ) XXXX - THIS IS A Third Party WHO LEGALLY has no jurisdiction WHATSOEVER UNDER THE LAWS to report my inaccurate information on my personal credit report, this is a Law suit that need Federal investigation. BECAUSE IT IS HOW CAN any collection company JUST recreate false account for personal debt collection TO HELP THE PONZI SCHEME PAY OUTS to cover their own debt THEN XXXX XXXX XXXX XXXX WHOMEVER this is FRAUD. I AM been violated as it seem my name is on some Dark Web harass her she will pay so it is I am to always be SCAMMED. THIS IS A SCAM by XXXX XXXX XXXX and ENHANCED RECOVERY COMPANY. No consumer must be violated by fake brand name users this mean the United States Borders are BREACHED, the infrastructures are BREACHED and there is no security for the people of this Country USA if a fake debt collection agency can create false debt using a brand name make it real force consumers in this PANDAMIC times to pay while they hunt, this is BREACH and a deprivation of My rights, My rights to freedom and life enjoyment because of FRAUD, GREED, and violations that is abuse. ENHANCED RECOVERY COMPANYXXXX XXXX XXXX need to remove themselves off my CREDIT REPORT. THIS IS A LEGAL CEASE AND DESIST WARNING TO XXXX XXXX XXXX AND ENHANCED RECOVERY COMPANY OF FLORIDA. A DEAD, THAT IS A CLOSED ACCOUNT WAS RECREATED THIS IS FAKE ACCOUNT NUMBER XXXX-CLOSED-DEAD-FRAUD. DOUBLE DIPPING TAX RIGHT OFF WHEN XXXX XXXX XXXX MERGED MEANS THIS IS FRAUD
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Letter received dated XX/XX/2020 Collection agency Enhanced Recovery Company LLC, Doing Business As, XXXX XXXX XXXX ERC, XXXX XXXX, XXXX, FL XXXX, or XXXX XXXX XXXX, XXXX, FL. XXXX, demands cash payment or check for {$3400.00}, money not owed. I checked with XXXX. No record of acct. I checked XXXX Credit Report. No amt or activity from XXXX XXXX XXXX XXXX Fraud apparent.
Company Response:
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company notified me of a debt owed that it has not validated and/or verified. I sent notice to this company & they have not responded.
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a debt from XXXX XXXX XXXX showing as collections for {$1200.00}. It shows this account was opened in XX/XX/XXXX. This is for a cable provider. I have not had cable since XXXX and this has been on my report as collections since XXXX. I had XXXX XXXX in XXXX and things feel behind soon thereafter. This was one of those bills. My marriage ended in XXXX and this is one of those bills I could not pay because I had to keep my XXXX son in his special school. I understood that the cost would be this stayed on my credit report until the end of XXXX. But they reported it as new again. I disputed it and they claimed it is a new account. The service address was XXXX XXXX XXXX. I have had 2 addresses since them. The amount is also not correct because I eventually turned in the cable boxes and remote controls that they charged me for but they never took it off my balance since it was gone to collections by then. I understand it was my bill. I also have been denied credit and paid higher interests rates on the credit I have been able to secure as I try to rebuild my credit because of this collection that has been on my credit for more than 8 years now. For many years I couldn't event get internet because XXXX XXXX was the provider. I did limited internet on my cellphone because that was all I could afford. But obviously that was a problem I caused for myself because of this problem. Please confirm that this is NOT a new account and that this has been reflected as a collections account since XXXX. I have old versions of my credit reports if you need them. Thank you for helping me move on from this very dark chapter in my life and start building a responsible credit profile.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, Enhanced Recovery Collections add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Enhanced Recovery Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhance Recovery Company has placed a collection on my credit profile claiming that I owe {$960.00} to XXXX. I have NEVER had services with XXXX. I recently had them remove another debt that didn't belong to me in the amount of {$130.00} that was also allegedly owed to XXXX. I don't understand why they'd just add another collection in an even higher amount. Please remove this erroneous collection immediately.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A