Date Received: 2020-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a collection listed which is inaccurate I have this same company as my current service provider at my home. If I owed them money I would not be allowed to have service currently REMOVE THIS MISTAKE ASAP ENHANCED RECOVERY COMPAN Reported : XX/XX/2020 {$510.00}
Company Response:
State: FL
Zip: 34652
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Attention Enhanced Recovery Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX on my behalf, and filed a complaint against your company. Remove the fraudulent account for {$970.00}
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: So I working at a XXXX XXXX in XXXX and I had two gentleman come in and were talking about a promotion that XXXX XXXX was having. This Was about two years ago back in ( 2018 ) .So I was unsure about the promotion and the gentleman reassured me that for any reasons that I could sent the phones back with no charge. They also told me that they would not charge me if I turned my phone on and used it .Just to see what we thought.So we final got the phone 's in after being delivered to the wrong place and we turned them on and use very little data. So I decided to just send back the phones and I called XXXX and they were ok with that. Then shortly after that I received a bill and I called them and they told me a different story. I was upset that they lied and did not disclose this information to me. So this bill went into collections and I did just pay it but I asked the collections agency if they could please delete this from my credit because this was hurting my credit and the opportunity to buy a home. can you please help me with this please.
Company Response:
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Enhanced recovery corporation has been trying to collect a debt on behalf of XXXX. The issue is this debt is well over 7 years old and several times throughout the past few years enhanced recovery renews it and restarts the clock. I have had 0 communication with the company during this time and need these removed permanently from my report. I have disputed them in the past and has them removed only to have them come back with a new open date.
Company Response:
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2020 I settled and paid a debt with Enhance recovery collection agency then requested that the account be removed from my credit report because Im trying to buy a house. My score dropped down 35 points because of this and Im still trying to recover from this point drop. I was told that they do not remove anything and that a manager would call me back. I was passed around from one agent to another and none we able to help me. As of today, I have yet to receive a call from a manager and the collection remains on my report and has a huge NEGATIVE red for the month of XXXX when this was legally paid in XXXX.
Company Response:
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX Enhanced Recovery Company ( ERC ) reported a 'new ' collection from " XXXX '' to my report dropping my score by 20 points without notice or warning. I obtained a more detailed report from XXXX and saw that ERC opened this account on XX/XX/XXXX and states that I owe XXXX. ERC also obtained my credit report on XXXX. I do not owe XXXX any money and there is no reason to report this debt as if it is new with no communication from the agency that has had access to all of my current personal and contact information as of XXXX. Based on previous credit reports and information obtained from my research, the only XXXX debt on my credit was successfully disputed and removed in XXXX and XXXX because it was fraudulent and I did not open this account. The debt is being sent to different agencies and reported as 'new ' and it is ruining my credit that I have worked hard for over the past few years. I did not contact the company because I have dealt with them in the past over other debts that were obviously not mine ( using an address I have not lived at for nearly 10 years ) and they are rude, nasty and disrespectful. They also attempt to get you to agree to pay so they can start collecting on time-barred debts. This company is illegally trying to collect a debt that is not mine after 5 years and successfully disputing this account with other agencies and having it removed twice. This company has no interest in speaking with customers over fraudulent accounts and just want to verify your information, new or old, so that they can look for other debts of yours to collect on. This company has used the pandemic as a means to recover debts by reporting a collection to my credit to force me and others to pay for deletion to keep their company open during this time. I have disputed this collection once again with XXXX and XXXX as soon as I saw the notification early this morning.
Company Response:
State: NV
Zip: 89142
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was reviewing over my credit. I notice I had a debt that in collections for a XXXX phone bill. I haven't had a XXXX phone. I have been using XXXX XXXX for the last 5 years. I tried to dispute it off of XXXX XXXX.
Company Response:
State: AR
Zip: 72404
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced Recovery has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. I have no idea who Enhanced Recovery is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Enhanced Recovery is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from Enhanced Recovery via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Enhanced Recovery as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ Enhanced Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to Enhanced Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ERC is reporting an account from XXXX that is fraud. I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I reached out to the company via mail requesting validation of debt, respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Under federal law, you have thirty ( 30 ) days to complete. It has been more than 30 days and I have not received anything from this company, therefore violating FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A