Date Received: 2020-07-15
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Company Response:
State: IL
Zip: 62704
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ERC is the latest collection company XXXX XXXX XXXX has used to take out a collection on me XXXX XXXX XXXX has violated the fair credit reporting act in the fair debt collection practices multiple times against me by having to open collections on me at the same time for the same account for the same account balance with different opening dates one is always active on my credit report while the other is always active on a piece of paper or nonstop phone calls where I am not being given information about what its,? ERC is the latest collection company XXXX XXXX XXXX has used to take out a collection on me XXXX XXXX XXXX has violated the fair credit reporting act in the fair debt collection practices multiple times against me by having to open collections on me at the same time for the same account for the same account balance with different opening dates one is always active on my credit report while the other is always active on a piece of paper or nonstop phone calls where I am not being given information about what its for, ERC placed a credit collection on behalf of XXXX XXXX XXXX on my credit report today XX/XX/2020 They sent me no verification of debt Or any verification whatsoever they place it on my credit report today it has not been on there at all before today the fact is theyre stating that they placed it there earlier than today which is XXXX because I pay to monitor all three credit bureaus 24 seven 365 days a year which for people at ERC which are too stupid to know that thats a whole year idiots, or any verification whatsoever they placed it on my credit report today it has not been on there at all before today the fact is theyre stating that they placed it there earlier than today which is XXXX because I pay to monitor all three credit bureaus 24 seven 365 days a year which for people at ERC which are too stupid to know that thats a whole year idiots They state that they open the account on XX/XX/2020, but yet no Notice was ever sent and nothing was physically opened or on my report until today XX/XX/2020, I read up on ERC and they have had more complaints against them for refusal to validate that and refusal to ever send any notification before listing a debt which is 100 % illegal and is both a violation of the FTC in the FDCP they have done it to multiple people I have seen multiple complaints that equal over 800 complaints for the same thing but yet they are still allowed to stay in business and continue to make these violations why the XXXX are they allowed to get away with it, as well as its kind of funny they say they opened it on XX/XX/2020 when I had another active collection on my report that I got removed two days before they state theirs was opened on my report that I got removed because of the proof I had of the violations for having two active collections at the same time in the same account over and over and over again from XXXX XXXX XXXX. The fact of the matter is XXXX XXXX XXXX continue to charge me for service with them when I switch cell phone providers to another company where XXXX XXXX XXXX was called and told to close the account and nothing was done I have witnesses because I refuse to ever call any company that thinks that kind of XXXX lie so I always have a XXXX witnesses.
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted Enhance Recovery Col concerning a collections they have on my account, I have also tried to get this account verified through the credit agency and they have not provided me with an actual agreement, contract or identification for this account, I have a credit alert on my file that states I am victim of identity theft this file has been in place since 2015 this account states that you must call me at the listed number before issuing credit and this did not happen nor is this my account.
Company Response:
State: AL
Zip: 35205
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2020 To Whom It May Concern : This letter is regarding Account Number : XXXX, which you claim I owe {$1100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have asked ERC to stop calling me and to communicate in writing only yet they continue to call me anyways.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91302
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Thank you very much for all the help you provide. I filed a complaint a few years ago against a collection agency who was reporting an account on my credit report. it was an account created through identity theft. At the time I had sent a notarized Identity Theft Affidavit and a police report to the collector as well as to the credit bureaus and nobody was fixing the account. After I filed a complaint to you I was able to have the account deleted. Today I am facing the same problem. A collection agency named Enhanced Recovery Collections is collecting for an XXXX account which is at {$1700.00}. I sent a notarized ID theft affidavit as well as a police report and a dispute letter to them as well as the three credit bureaus back on XX/XX/XXXX. No company has sent me a response and it has been three months. This is really hurting my credit score and preventing me from obtaining financing. I called Enhanced Recovery Collections today along with a consumer advocate and we spoke with an individual named XXXX XXXX # XXXX. The advocate informed him of everything that was going on and XXXX XXXX said they hadn't received any notices. He asked if there was a reference # on the letters. The advocate informed him there wasn't because the credit report didn't have one. XXXX gave us a reference # and said he would send us a fraud packet. My advocate asked him to send it but he also asked why we would need another fraud packet when we are providing one that's notarized along with a police report. XXXX XXXX said it needed to be specifically for XXXX. I understand why ERC may be asking for an XXXX specific fraud packet, but I don't understand why they haven't responded to my letter or to my credit bureau disputes I also sent. My advocate asked him the same questions in the phone call today and XXXX XXXX said they hadn't received any disputes from the bureaus either. All of this is bringing back memories from two years ago when I went through the same problems trying to remove fraud accounts from my report. Everyone was claiming they hadn't received my notices or were ignoring me. My consumer advocate let XXXX XXXX know I was going to simply file complaints because I couldn't restart the process after three months. XXXX XXXX told him he could send us to the escalations department but that wouldn't make anything faster. The advocate then told him I would file the complaint to you. XXXX then acted like he didn't care anymore and that's when the call ended. This complaint is so you can help me again. I am very upset that I have to go through the same problem again and I am very upset that no one is doing their job again. How long do I have to suffer for this? It is not my fault I am the victim of fraud and to continue to have to put my life on hold and have my good name ruined due to fraud is very upsetting.
Company Response:
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: {$58.00} I sent a 609 dispute letter XX/XX/20
Company Response:
State: OH
Zip: 44515
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I got a call from ERC telling me I owed money to XXXX XXXX XXXX I told them I am waiting on a check from XXXX XXXX XXXX due to filling a dispute with this company due to the service always being off and hardly ever on which was why I discontinue service and returned their product the service was more off than on told them I was returning it that I was not satisfied with it and have it back immediately I would try on many attempts to fix the problem to get a credit and each time the service stayed off it became a real problem.
Company Response:
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been the victim of identity theft. I was told that I owe a debt for a XXXX account to which I had no knowledge about. Enhanced recovery is now in charge of that account. Ive tried to dispute with the credit bureaus and I am told the debt has been verified by enhanced recovery. How are the credit bureaus relying on enhanced recovery to verify a debt that I am not even getting a response from them about? I was sent a list of charges from enhanced recovery XX/XX/2020. Enhanced recovery is reporting late payments on this collection account which is not accurate reporting. I sent enhanced recovery a debt validation letter via certified mail which was received by them XX/XX/2020. Further more according to the FTC I have followed protocol by submitting my identity theft affidavit along with section 605b letter and identifying that account as identity theft. I have been advised by an attorney to file a police report which Ive also done Im simply waiting confirmation of my report.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A