Date Received: 2020-09-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX hired Enhanced Recovery Collections. I attempted to settle a debt I don't even feel I owe being that I paid this already with XXXX but I wanted this struggle to be over. I attempted to settle the debt but they started playing games telling me XXXX was the lowest their client would accept. I offered {$96.00} - they then put a team lead on the phone who offered {$120.00} and then stated the same thing that this was the lowest they could settle for. I asked for corporate and was on hold almost 30 additional minutes.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I got a notification through my credit reports that I have a collection item on my credit reports. I have not received any notices, calls, or anything from ERC but a negative item on my report. When I called to get more information, the agent was attempting to get my pay schedule and not listening to the fact that I do have rights to be notified before you just impact my credit. She was not listening and therefore I ended the call. The amount is {$750.00} for a XXXX final phone bill. I have no collections on my credit report and this brought my score down by 83 pts, while I am trying to purchase a home.
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX is posting an account on my credit profile that i have no knowledge of nor has the company followed any of the procedures set forward in the fair dept collection act which states that i should have been notified and had a chance to dispute any collection attempt before posting to my credit profile, I believe this account was opened fraudulently and would like the company to stop posting to my credit report as the is a violation of my rights under the FDCRA and FCRA, attached is a police report as i am a victim of identity fraud
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A debt in the amount of {$1400.00} from a creditor I am unfamiliar with is reflecting on my credit report. I have reports that were submitted to the FTC due to being a victim of identity theft which has lead to unauthorized accounts being opened in my name using personal information. This account does NOT belong to me and I have contacted the lender as well and made them aware of this information.
Company Response:
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2020-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I pulled my credit report and saw several fraudulent accounts to whom I have no knowledge of, some of them dont even have an account name.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
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: XXXX is falsely reporting two account on my credit report that is not mine at all. Ive tried to get them to investigate and verify and send me information proving or backing up the investigation. Ive written several certified mail pieces since XXXX and Ive managed to get the account removed from my report on the other credit bureaus but XXXX will just not remove the obsolete erroneous inaccurate unverifiable account. Plus they wont tell me or send me proof of how they verified. Both accounts need to be removed Enhanced Recovery XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Since approximately XX/XX/2020 I have been receiving harassing telephone calls on a daily basis from an unknown entity. The unknown entity used caller id spoofing in order to deliberately falsify information transmitted to my caller ID to disguise their identity. The unknown entity used Maryland area codes and numbers in order to make it appear the calls were being generated from a local number. After significant research I discovered the calls were being generated from an entity by the name of Enhanced Recovery Company , LLC ( ERC ) in XXXX, Florida. According to their website they are " an international business process XXXX and full service, end-to-end provider for every aspect of the customer lifecycle, including debt collection. '' They further indicate working on behalf of a number of different creditors such as telecommunications, utilities, banks, cable companies, financial service providers, student loans, etc. In addition, they maintain being contracted by creditors and in some instances debt purchasers. Based on the circumstances of the telephone calls and lack of receiving a written validation notice I believe ERC to be a fraudulent debt collector. To date I have kept a log of over 50 spoofed telephone numbers from ERC spanning back to XX/XX/2020. All calls have used the area codes XXXX and XXXX and have come primarily from the following telephone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I have reason to believe they have spoofed other numbers from within the state of Maryland and contact may date back further. I have not received a written validation letter from Enhanced Recovery Company LLC regarding any alleged debt owed.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Recently I looked on my credit report to my surprise. I saw a collection for XXXX, the phone company, in the amount of {$190.00} dollars. The collection agency is Enhance Recovery company. I have not heard from XXXX in over 2 years and as far as I know I did not owe XXXX any money. My bill was paid up. I called XXXX to find out why this accord. They could not tell me anything. They said the number I had given them belong to someone else. Also they could not find my name or any information. I decided to call the Collection Agency I ask them about it I said '', where is the statement about this bill because I never got XXXX. The man on the phone replied ', we got this bill from another collection agency in XXXX and the time to dispute it is over. '' According to him they were the third agency this was handed over to. I am upset because this is on my credit report and I had no knowledge of owing sprint anything. Also no one can tell me why I owe XXXX this money. This is not a good phone company in my opinion as a consumer. I am not the only one who has complained about them. I am waiting for a statement from the collection agency that I never got.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ENHANCED RECOVERY, XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission XXXX FTC XXXX, in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
Company Response:
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A