Date Received: 2020-08-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Acct was paid and creditor agreed to delete from credit report and it is still on the report
Company Response:
State: IN
Zip: 465XX
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced Recovery Co. is attempting to collect on an alleged debt for '' XXXX XXXX '' balance due {$500.00} A debt that I am not aware of, I NEVER received any written notification from them regarding this debt nor have I ever received a phone call, however, without validation of this debt, they place this derogatory information on my credit report. Pursuant to the Fair Credit Reporting Act the Fair Debt Collections Practices Act and the Fair Credit Billing Act, this company is in violation of one or more laws. South Carolina Courts have held verification requires reasonable investigation into the facts. This was not the case here. I was not giving my legal right to dispute this alleged debt. Is this an account that has possibly reached the statute of limitation an has been re-aged in an attempt to collect? I have never had an account with 11 XXXX XXXX and they have no proof as such account is valid. Yet they have reported this as if it has been validated
Company Response:
State: SC
Zip: 29745
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
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: I have a loan with ERC ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ERC ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: ERC changed my billing address to my employers address, then mailed a bill to my employers address. The A/P department at my employer opened the letter and read and reviewed the invoice. When they determined it was not company related, then then emailed it to me. So basically they provided my information of a past due, disputed bill to my employer which embarrassed me and divulged my information to my employer and coworkers.
Company Response:
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity was stolen which resulted in me having a collection account with Enhancement recovery and I tried to dispute the account and they wouldnt remove it I even agreed to settle the account and they still wont delete even knowing that I was a victim of identity theft
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX Are violating the fair credit reporting act on the fair debt collection practices they are sending my personal information to an address in Florida that I have never lived at in my life on this information they listed my XXXX Social Security number my XXXX cell phone number my XXXX date of birth the fact of the XXXX matter is they also disclosed what they claim I owe them as debt to someone I dont live with or know The collection company they used was called ERC, ERC is Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I prove that they try to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and XXXX XXXX XXXX wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I proved it they tried to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and XXXX XXXX XXXX wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Them for violations because of multiple collections they were involved on for fraudulent collection before they return want to put false information on my credit report and want to send personal information to an address in Florida I have never lived that in my life as well as violations even further by giving my personal XXXX information to the people at that address as well as disclosing supposed debt which is another violation, these XXXX XXXX at XXXX XXXX and ERC are now going to get XXXX sued for sending my personal XXXX information to a place Ive never XXXX lived at in my life, that as well as disclosing supposed debt which is another violation I will be contacting an attorney and you can XXXX my XXXX XXXX you XXXX XXXX you XXXX XXXXXXXX XXXX XXXX give my personal information somewhere Ive never XXXX lived you XXXX Im telling you right now if anyone at that address tries using my information not only am I gon na XXXX sue you I will XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and Ill XXXX for XXXX XXXX XXXXXXXX
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/20 ERC received that I sent a debt validation letter that was sent by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. I called ERC on XX/XX/20 for a resolution and spoke to an male agent who confirmed the information was not sent and asked me what information I wanted I told him that they did not provide the requested info in the required time frame and I would only like for the information to be deleted at this point, he then transferred me to the escalation department who hung up on me. I called back and another agent told me they can send it out then changed the story to say they believe XXXX sent the info out on XX/XX/20. Even so they had 30 days to respond to this matter and failed to do so. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following information to validate debt : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental The original balance The current balance Any fees added by your agency.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a collection letter on XX/XX/XXXX from ERC dated XX/XX/XXXX for {$72.00}. The collection was on behalf of XXXX XXXX, who I was a customer of from XXXX for internet services. I have received no email or written communication from XXXX in three years. I called XXXX to find out more and discussed this with a customer service representative. The rep was able to find my account, which had been deactivated due to inactivity, and reported no outstanding balance, and could find nothing indicating a debt collection was sent. I was unable to contact ERC and could not find out more information on their website about my claim. I believe this is a fraudulent claim.
Company Response:
State: CA
Zip: 93711
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
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: I have a loan with ERC ( Original Creditor : XXXX XXXX XXXX ) and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ERC ( Original Creditor : XXXX XXXX XXXX ) and XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A