Date Received: 2020-07-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I switched cell phone companies in XX/XX/XXXX from XXXX to XXXX XXXX XXXX and have been with XXXX XXXX XXXX since XX/XX/XXXX to present day ... I didn't open acct with XXXX in XXXX as debt collection states the acct was opened..The last 4 of SS # on acct is XXXX
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Enhanced Recovery is reporting an account from XXXX on my XXXX and XXXX Consumer reports incorrectly. I have sent them correspondence to which they have totally ignored. They are showing an opening date of the alleged account as XX/XX/XXXX. This is an impossibility. I have resided at my current address since XX/XX/XXXX. An address where all of the bills are in my husband 's name. This is a blatant attempt to re-age old debt to keep the statue of limitations alive. They are also reporting the date of last activity as XX/XX/XXXX, yet they claim the account was not opened until XX/XX/XXXX. This is yet another total impossibility!
Company Response:
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX Enhanced Recovery Company is currently attempting to collect on a debt XXXX XXXX XXXX XXXX XXXX They've reported this inaccurate information on all three of my credit reports, attempted to collect on this inaccurate debt for over 7 years, this company do not have a wet signed contract with me, written permission to store my personal information in their systems ( they are a third-party collection agency ), and I've advised XXXX that I don't think this balance is accurate. I want my personal information to be removed from this company database.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I sent Collection agency a letter on the XX/XX/2020 requesting a validation of debt. I have not received any response from them and its been over 30 days
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i check my credit report and seen a negative debt from enhance recovery company on XX/XX/2020 and sent them a dispute concerning the complaint below asking them to validate the alleged debt and waiting on their response.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced recovery co {$470.00} debt, which only reports to XXXX that they are trying to collect which is not mine. I have wrote and disputed with this company and they seem to ignore me.I have received no answers. The company can not provide any contract that I have signed with them.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have not been working due to a medical condition and high risk to XXXX XXXX. I have paid ERC for the XXXX account, XXXX, and XXXX but its still reporting on my credit report and its hurting my credit negatively. Since the accounts have been paid please delete all accounts from all 3 credit bureaus.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
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: I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a settlement letter that if I pay off a bill at a discounted amount that I would no longer owe the debt. I was put under the impression that once I settle this account, it would be deleted from my credit report. It was not deleted and still shows on my XXXX and XXXX credit reports.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ENHANCED RECOVERY continues to attempt to collect a debt of {$110.00} dollars that is assigned to XXXX which was paid in full when switching phone accounts. This debt has been challenged and removed at least once if not twice before but the Collection Agency continues to cause damage to my credit score by insisting the debt is still owed and by continuing to file a collection against me. I have disputed this with the credit reporting agencies and they have ruled in my favor already. Please advise Enhanced Recovery to cease and desist with their continued harassment. Thank you for your help! Best, XXXX XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A