Date Received: 2020-08-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The information thats being reported is not mine I had no knowledge of this account
Company Response:
State: FL
Zip: 33916
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX ENHANCED RECOVERY COMPANY placed a derogatory mark on my credit file without notifying me about this first to me. I have tried asking XXXX to give me the original dates this was incurred, which is outside the statue of limitations, but they refuse to give me proof. All they do is send me a copy of an invoice. My contract with XXXX ended in XXXX. I was prepaying for services since then, and switched to XXXX XXXX early XXXX. Again, I have asked for proof of when this became delinquent and all they do is send me copy of a bill. Now ENHANCE RECOVERY PLACED a negative mark on my credit file this past month without me knowing and it resulted on my score decreasing 100 points.
Company Response:
State: FL
Zip: 32789
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The CRA 's ENHANCED RECOVERY -- is violating FCRA FDCP laws. are very aware of the Fair Credit Reporting Act 623, Cushman v. TransUnion, US Court of Appeals for the Third Circuit Court Case 115F3.and d 220 US Court of Appeals , Ninth Circuit , No. 00-15946, Nelson vs. Chase Manhattan And Federal Debt Collection Practices Act ( FDCPA ) laws against re-aging time barred accounts,
Company Response:
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello, my name is XXXX XXXX, I am submitting a complaint with ERC Account # : XXXX ref # XXXX ( XXXX XXXX is Original creditor reporting on my credit report ). I called them to discuss a collection on my credit report and I had agreed over the phone to settle the account with the condition of them to REMOVE it from my credit report. Recently, I received a letter ( I have included ) and when I checked my credit report and score it still shows on my credit report. It not only shows on my credit report, but my credit SCORE has dropped almost XXXX points as a result of PAYING this account. I am very upset of this tactic of collection and them saying over one thing over the phone and doing something different once they received my payment. I believe this is unethical collections practices. This has caused extensive damage to my credit profile, I was qualifying to buy a home ( which is the reason I chose to pay this alleged debt ) and now this has greatly impacted my ability to do so, by drastically affecting my credit score. My score dropped from XXXX to XXXX. This is unacceptable.
Company Response:
State: CA
Zip: 90270
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company keeps " refreshing '' the date of a debt I had with XXXX that has long expired under the statute of limitation. They are now on my credit report reporting that the account was opened in 2019 and this is false.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 2017 debt owed to XXXX XXXX XXXX XXXX ( acct # XXXX ) of {$1000.00}. Went to collection with XXXX ( acct # XXXX, ref # XXXX ). They offered a settlement of {$810.00} which I paid XX/XX/2017 ( confirmation of payment # XXXX ). I have been getting periodic letters of collection for {$200.00}, the amount that was forgiven with the settlement ( XXXX ). I have received periodic letters of collection for {$200.00} over the last 3 yrs. On XXXX I spoke with XXXX XXXX. After 90 min on the telephone they confirmed that I did not have an open account with them and that they received the payment from XXXX on XX/XX/2017. XXXX XXXX XXXX also told me that they could do nothing to resolve the acct because it is closed and that I would have to call XXXX to resolve. I have called XXXX numerous times only to get a recorded message. ( Good luck to me its is a pandemic ) My latest collection is from ERC for {$20000.00} ( XXXX XXXX XXXX XXXX acct # XXXX, ref # XXXX ) Frustrated and angry!!
Company Response:
State: MO
Zip: 63122
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter verifying my debt on XX/XX/XXXX. Haven't received anything.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello My name is XXXX XXXX, Account # XXXX Enhanced Recovery Collection had contacted me on a debt allegedly that I owed around XX/XX/20. At the time I did not know that I could dispute such debt ( after some research, i realized that I could ). I agreed to pay them {$100.00} ( attached letter ) for the simple reason of convenience and I also asked them to please DELETE the account from my credit report, which at the time they informed over the phone THEY WOULD. Based on that acknowledgement, I decided to just pay the debt. After receiving a letter dated XX/XX/20, to my surprise they did not DELETE from my credit and my credit score DROPPED significantly almost 60 points due to this payment. I am frustrated with this unethical deception to collect a debt and then tell me they will remove it from my credit report and then they do not, this is not right. I have attempted to call them to correct this situation. They just do not care. Please help.
Company Response:
State: CA
Zip: 90270
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit. XXXX XXXX XXXX Payment Plan XXXX {$14000.00} XXXX XXXX XXXX Payment Plan XXXX {$62000.00} XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX {$2800.00} Erc Balance {$940.00} COLLECTIONS XXXX XXXX Balance {$320.00} COLLECTIONS XXXX XXXX XXXX Payment Plan XXXX {$6300.00} Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : FiledReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXX : Chapter XXXX BankruptcyStatus : DismissedReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A