Date Received: 2020-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ENHANCED RECOVERY XXXX is violating my rights as a Federally Protected Consumer, the Original Creditor, XXXX XXXX and its Principal and Authorized Representative for on all accounts. I have not created any of these by my signature, As of the date of this letter you and XXXX and XXXX have violate FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have no recollection of this company nor how they received my personal information. This violated my consumer rights according to FICO. I have not received any documentation from this company and have nothing to furnish.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi there, I have contacted this company ERC multiple times, asking them to remove the {$160.00} charge for internet service from my credit. I do not owe them any money. I have spoken to XXXX XXXX XXXX on two occasions and both times they have told me that the debt has been/will cleared because I am a long standing customer. XXXX XXXX XXXX has shady business practices, if one moves apartments, they create a new account for you and never cancel the old account. My original account was with XXXX XXXX XXXX. I have picture evidence from both the XXXX XXXX XXXX chat, XXXX and XXXX credit bureaus. All have told me that the charge has been removed from my credit. XXXX has yet to remove it from my credit report. XX/XX/2020, is the 1st time, and XX/XX/2020, is the second time I spoke to XXXX XXXX XXXX. XX/XX/XXXX I got a letter from ERC about my debt to them. This is ongoing.
Company Response:
State: CA
Zip: 91355
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my credit in XX/XX/2020 and discovered inaccuracies I filled out an identity theft affidavit an reported the incorrect incorrect information to all 3 credit burrows there has been no resolve to my complaints.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: to whom it may concern : you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Company Response:
State: MN
Zip: 55337
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Identity theft. I do not recognize this debt.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been trying to buy a house for nearly four months now. The lender who I've been speaking to said that my score was fairly good and I was only a few points from qualifying for a conventional loan. After showing me my credit report, we saw that the only thing on my report which could be considered negative was a XXXX XXXX collection which was opened on XXXX of 2018. I didn't know what charter communications was so I looked them up. It turns out that XXXX XXXX is XXXX. XXXX also bought out XXXX a few years ago and XXXX bought out XXXX XXXX a few years before that as well. After finding out who the company really was I was confused and angry. I was confused because I know for a fact I did not open a XXXX / XXXX on XX/XX/2018 or anytime close to it. I was angry because the last time I did have a XXXX / XXXX was before I lived in XXXX. I've lived in XXXX for the last 7 years! Knowing collections can only stay on your credit report for 7 years I knew this account had to be disputed. This collection, even if it was mine, was past the statute of limitations. I went ahead and disputed the account with Enhanced Recovery collections and the three credit bureaus. I did so in XXXX, XXXX, and XXXX. I never received responses from anybody. a few days ago, I have the lender check the credit report and the account is still on the report. You don't have to guess very hard how I felt after finding that out. To make matters worse, the lender is telling me I am 5 points away from qualifying for a conventional loan and this is the only thing stopping me! There are no charge-offs on my report, no credit cards with balances I can lower, and no other collections for me to fight or pay to increase my score. I am literally stuck and at the mercy of this collection agency who is reporting an account that isn't mine, or even if it was, is a 7 year old collection whom the collector isn't responding to any of my disputes since XXXX! There is nothing more for me to do but file this complaint against them. Please make them delete this account so I can finally buy my house.
Company Response:
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company is trying to collect for a debt ( that I do not recognized as mine very old ) I was not living in USA, back in the year XXXX I moved to XXXX, I just came back, to USA in XX/XX/XXXX, I did suppose to start working but due to the Global Pandemic everything has been chaotic. I have already spoke to them that is not my debt or it was paid but they keep bothering me with letters that dont showed amount owed so I called a XXXX and the person was just rude don't let me talked so I got stressed and I hang up. with all the stressed we all living due to covid. I just cant stress over a bill I dont even think is mine. i sent a letter asking them not to contact me anymore. ENHANCED RECOVERY COMPANY LLC XXXX XXXX XXXX XXXX XXXX FL XXXX
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I made a settlement with enhanced recovery company and the issue was resolve, I was told that they would remove it off my credit file but not only am I still receiving calls stating I owe but it has not been removed of any of my files
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A