Date Received: 2020-07-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Every morning for the past month at about XXXX XXXX Enhanced Recovery XXXX calls to collect debt that has already been paid to the original creditor, XXXX and XXXX. This company has purchased these accounts. They never leave a message to have you call back nothing. Just straight robo calling nonstop.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2020-07-08
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 was paid
Consumer Complaint: This is collections account for XXXX XXXX XXXX services, the account appears to have been sold to a collections company by the name of Enhanced Recovery Company. This debt was taken care when I went to XXXX to return their equipment and pay the remaining balance owed. So I do not understand why this is being reported at a debt with a collections company, but my debt is paid in full, and Im requesting all the credit bureaus update my credit profiles in their system by removing this company as a collections from my credit profile accounts with each credit reporting agency or bureau. If it is not removed I will continue to dispute the validity of this satisfied debt which has been paid in full on a monthly basis until it has been done so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A second collection related to XXXX XXXX Has appeared on my account after asking the collection company to show proof of the first collection. I did not receive anything from them and less than a month later a new account has appeared. Running my credit down further with false reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This collection was paid I disputed the balance on my credit report. The original creditor could not validate the debt so the collection was deleted from my credit report. On XX/XX/20 I pulled my credit report and the account was updated by Enhanced Recovery Collections on XX/XX/20. I never received written notice or phone call about this collection.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX I mail dispute letters to each bureau reporting Enhanced Recovery 's reporting of a XXXX collection for {$3600.00}, plus I mailed a debt validation letter to ERC so I can get factual information on this XXXX account. I had a XXXX account years ago, but I do not recognize this? ERC on verifies the bureau dispute letters with no explanation. ERC never responded to the debt validation letter from XXXX. I have read the Date of First Delinquency is suppose to be one exact date, not three separate ones. Isn't this used for the 7 year statute of limitations and the scoring model to adjust my score?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 404XX
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: When I noticed the debt on my credit report, I attempted to contact the contact : Enhanced Recovery as they were listed on the credit report. I spoke with an agent after negotiating with XXXX XXXX XXXX XXXX and Enhanced Recovery that the debt would be deleted if paid. Enhanced Recovery notified me that they would delete the debt once I paid the agreed upon settlement. I requested a letter in writing or via email before payment. The representative stated they could not send the letter until it was paid. After calling Enhanced Recovery, A XXXX XXXX XXXX and credit bureau about the misleading statements, no one has deleted the collection. I called Enhanced Recovery several times and explained the misrepresentation when I made the payment. Several agents have responded with, " we do not pay to had the collection remove, call the credit bereaus. '' Another stated, " ask the credit bereaus what to do to have the debt removed and have them remove it. '' I have asked for a manager, no call as of current and have called daily. The company Enhanced Recovery lied to me, took my payment ( verbal contract which is valid since they received payment ) and did not keep their end of the agreement. Please assist as I have done everything I was supposed to do as I could and have fixed my credit in order to rectify my life as it is affected by the reporting of this information.
Company Response:
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. XXXX - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX XXXX whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.
Company Response:
State: TX
Zip: 77632
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My Wife and I XXXX XXXX XXXX were contacted ERC, a credit collection agency. They claimed we owe {$6800.00} on their XX/XX/2020 notice. The nature of the claim is we owe XXXX XXXX XXXX on Account XXXX. I contacted the Fraud department of XXXX XXXX XXXX and they said they would investigate. That the {$6800.00} if from four cell phones XXXX ; XXXX XXXX ; XXXX XXXX and XXXX XXXX. These number are a complete mystery and I told the XXXX XXXX XXXX Fraud Department. Today I receive a notification from XXXX XXXX XXXX saying Based on investigation, we conclude that we are responsible for this debt and they are proceeding to collections. Please help, we are senior citizens with two cell phones XXXX XXXX XXXX and XXXX XXXX both XXXX. My wife is very upset and so I tried to call the XXXX XXXX XXXX fraud office at XXXX ( five times ) today. They ( XXXX Fraud Department ) want a password or access number for an account we have no knowledge therefore they system hangs up or does not allow us to advance to speak with anyone. Furthermore, the XXXX XX/XX/2020 letter says if we do not speak with them by XX/XX/2020 we are required to pay the {$6800.00} I called our Congresswoman XXXX XXXX and her Assistant recommend we contact you to help us.
Company Response:
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been attempting to validate suspicious activity on my credit report. In the process of doing this, I submitted XXXX request for debt validation XX/XX/XXXX & XX/XX/XXXX to Enhanced Recovery LLC for a collection from " XXXX '' the amount of {$780.00} and requested they only contact me by mail. The only response provided from the debt buyer were invoices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have been unable to provide me with the original contract, account history, and other documents requested. This company, which I hold no contract with, nor have recovered services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. They have failed to provide me with adequate proof and I am not obligated to pay for this alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Every time we dispute with the collection agency and they remove the collection that has already been paid, they sell it to another collection agency that then adds it as a new collection on our credit report, damaging our credit. The bill was originally owed to XXXX more than 8 years ago, and we paid this debt off the end of XXXX. It is now showing up again as a new debt on XX/XX/XXXX with ERC. This is now affecting our ability to buy a home and receive a good interest rate. It is currently only reporting under XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A