Date Received: 2020-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, the company XXXX was notified that my credit report reflected an account opened in my name which I did not recognize and understand was fraudulently opened. Also this was reported to all credit evaluators and to the FTC to support my claim. On XX/XX/XXXX, he was contacted by a collection agency stating that they had been hired to collect the debt that is not mine. I will immediately proceed to send again all the evidence that supports my case of identity theft and that said account was opened fraudulently.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The amount for XXXX at {$300.00} was reported paid off at 21 %. The company ERC XXXXEnhanced Recovery Company is trying to collect this account at {$300.00}. I have paid this account already and know it is showing up as full balance on my credit report again.
Company Response:
State: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
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: 02180
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX # XXXX -XXXX XXXX, XXXX. # XXXX -XXXX XXXX XXXX # XXXX -ENHANCED RECOVERY CO L # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX # XXXX
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2020-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been dealing with a same collection from XXXX for a few years. I have spoke to them and they clear it because it doesnt exist. I am a current XXXX customer so I do not understand why this keeps happening. It keeps affecting my credit and it is a hassle. The balance that always reflects is {$150.00}. I am trying to resolve this issue once and for all as I am trying to purchase a home and I do not want this to reflect negatively on me. The collection company is Enhanced Recovery Company.
Company Response:
State: AZ
Zip: 85050
Submitted Via: Web
Date Sent: 2020-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The company by the name of Enhanced Recovery added information to my report that included account information from another state. After calling to try and resolve this issue numerous times, the company continuously added the information to my report over and over after i worked so hard on my report. The account clearly was fraud and the company only seem to care about adding it to the credit report of anyone to try and collect the debt!
Company Response:
State: TX
Zip: 77642
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Ordered XXXX XXXX on XX/XX/18. Was told for {$19.00} I could get internet. During the installation the installer tried to install the wifi component but could not get an internet signal. He apologized and informed me XXXX did not offer internet in my area. he also informed me that without internet I would not be getting some of the services I was paying for. I didn't realize it at the time but that was about half of the programming and movies the salesman XXXX XXXX had used to get me to order XXXX XXXX. This meant that I now had less programming and inferior service due to Mr. XXXX false information. After having the system for a month I found the equipment to be inferior as well. I called the XXXX repair dept. and was told that the new XXXX equipment had some bugs and they were working on improving their equipment. Nothing was improved for the next 30 days and I was getting frustrated with the remote not working the inefficient XXXX properly, plus the programming was insufficient for what I had contracted for. After numerous calls to XXXX over the two months service, with no solutions to the problems with XXXX XXXX equipment I decided to cancel my contract on XXXX XXXX, after paying one month of the two. they sent the return packaging and I returned the equipment. In about a week I recieved a bill for {$600.00} for penalties for early disconnect and the second months service. I have tried to explain that the contract with them was contingent on having the internet that I was told I would have and that without it their equipment was inferior and the programming insufficient, they have not responded but in turn have sent a collections agency to try and extort the payment from me. The collection company is Enhanced Recovery Company, XXXX XXXX.
Company Response:
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Company Response:
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I checked my credit report and I had a debt that was over 3 years old XXXX . When I checked the debt Enhanced Recovery Company LLC had changed the debt to 4 months old as if it was New! Now I have to wait 7 years for it to fall off my credit report! Unless Enhanced Recovery Company LLC changes there mind and change the date again!! This was my ex wife phone her responsibility to pay! And I will not pay!!! Enhanced Recovery Company LLC didn't give me any notification on the debt at all! Enhanced Recovery Company LLC should learn how to treat people and learn how to run a business!! I checked my credit report and found that a debt I had that was OLD! Was updated by ENHANCED RECOVERY COMPANY and it said it was opened 4 months ago, now I have to wait 7 more years, originally it was well over 3 or 4 years old and only had to wait 3 to 4 years for it to come off! Now this was my ex wife 's responsibility, because I worked for the XXXX and received a discount on the phone and she didn't pay that is why it's on my credit report! I didn't have knowledge that she switched phones and didn't pay the outstanding balance. I refuse to pay because it was hers and she could afford to payed it! Didn't receive any type of paperwork, phone call or anything! This is appalling the way they do business! I'm XXXX now and was waiting for it to come off when I retire at XXXX! These people are blood suckers that get paid XXXX $ an hour! I get phone calls all the time from different places, out of state, a City that I don't know anybody, They should be closed for lying and stealing!
Company Response:
State: FL
Zip: 34772
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A