Date Received: 2020-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Enhanced Recovery is reporting a debt on my credit fil that i do not owe. I recently checked my credit and noticed this debt. I called immediately and paid this debt off. I never received any calls, notices, or letters about this debt and that violates my 30 day right to dispute.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After being the victim of identify theft, I took all of the steps recommended by IdentityTheft.gov including mailing the appropriate documentation of identify theft to ERC to the address listed on their collection notice for correspondence. The documentation was returned by the postal service as undeliverable. This seems clearly fraudulent if the only address provided for disputing the collections charge is undeliverable. I am including photos of the address provided by ERC on their collections notices as well as the same address returned by the postal service as undeliverable. I also called XXXX XXXX XXXX ( where the fraudulent charge was made ), explained the situation, and sent all required documentation to their fraud department. At their request I also filed a police report. 118 days later they have not responded and I am still receiving collection notices from ERC for this fraudulent charge. The correspondence address given on the form is still the same one that was previously returned as undeliverable.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contract with these companies. I do not recall doing business or applying for these accounts, please see the following : ENHANCED RECOVERY # XXXX, XXXX XXXX XXXX # XXXX.
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a certified letter sent to ERC requesting Validation of Debt. The letter was returned as 'refused ' delivery. Since ERC refuses to accept the Validation of Debt letter what steps can be taken to have them prove the debt they purport I owe? Copy of Debt Validation sent to ERC attached.
Company Response:
State: ND
Zip: 58102
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was going through my credit report and notice several fraudulent accounts on my credit report. i provided a copy of my ID to prove my identity.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following accounts listed below are fraudulent accounts and does not belong to me. They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -ENHANCED RECOVERY COMPAN # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Company Response:
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft in XXXX. I have had several other phone bills in my name from multiple different states and companies. Please look into this. I've only had sprint in XXXX and that was on someone else 's plan. I'm in the middle of recording my credit and now my score just took a bit for 50 points. I would like my points back please.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 at XXXX XXXX. I received a text message looking for a " XXXX XXXX. '' I have been pestered by these kind of calls and texts before, the last time from a company called ERC, who promised to take my phone number off their records. I don't know a XXXX XXXX, and I have had my phone number since the late XXXX. Apparently someone by that name, and a " XXXX XXXX '' have used my phone number fraudulently. I have explained this to a number of debt collectors, including ERC, XXXX XXXX XXXX, XXXX XXXX as well as XXXX XXXX. They use various rotating phone numbers to call me or text me, looking for " XXXX XXXX '' and/or " XXXX XXXX. '' I have attached the letter I received from ERC as well as an image of the text that came today from phone number XXXX. They want me to call XXXX, file number XXXX, requesting XXXX XXXX ' immediate response. The phone number beginning with XXXX also called and left message XX/XX/2020 and I filed a complaint with the FTC on that occasion.
Company Response:
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I recently put a freeze on my reports last month XX/XX/2020 soon after a non authorized account appeared on my report that is not mine and I would like it to be removed
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I checked my credit, my XXXX report, and saw ENHANCED RECOVERY CO L Account # XXXX Original Creditor XXXX XXXX XXXX XXXX for {$960.00}. I just became employed after a COVID19 layoff. I'd like to settle the debt for {$450.00}.
Company Response:
State: FL
Zip: 32304
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A