Date Received: 2020-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom this may concern, While reviewing my credit report on ( XX/XX/20 ), I noticed an incorrect and fraudulent collection account from ( Enhanced Recovery ). I do not have an account with Enhanced Recovery and do not agree to debt. I have no knowledge of this account nor have I done any business with this company. I do not have a signed and dated agreement from ( Enhanced Recovery ) I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor XXXX XXXX I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
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: 641XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$260.00} from XXXX XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. Documents of proof have never been provided to me and the reason is, they do not exist.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
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: 641XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Today I received an alert that shows an account that is well over seven years old it shows that the account was open on XX/XX/2020 which is incorrect. This account shows 12 months of no payment history which is also incorrect I was never contacted on behalf of this account for resolving or making payments. The account was so old I didnt know that it would make a new mark and move my credit score down 18 points. I called to dispute this because the dates are incorrect and I was not contacted. The debt collector purchased this account and added new dates. Im in the process of purchasing a home and this doesnt look good especially not being correct
Company Response:
State: CA
Zip: 90301
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Return a phone back to XXXX in the store. Sales representative took the phone. XXXX is reporting they didnt get the phone it been years more than 7 years. The collection was removed from my credit but this company name Enhances Recovery in XXXX have been calling me trying to recover money from this old collection.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt does not belong to me. This new company has it listed I have called them repeadelty the number on listed on my credit report is disconnected this is a result of identity theft
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: This account is far past the statute of limitation. I believe any thing past due was from XXXX or XXXX. It was previously deleted from my credit reports about 2 years ago and has just be re-reported to the bureaus.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid this account in full 5 years ago I have sent many disputes and many requests for a Goodwill correction but ENHANCED RECOVERY COMPANY LLC continuously refuses to correct the tradeline on my credit report it does reflect a XXXX balance but it is listed as a derogatory account it needs to be corrected to current closed as it has not been derogatory for three years right now and trying to close on a mortgage and it is seriously inhibiting my ability to finalize the loan. My closing date is XX/XX/XXXX and my underwriter with the USDA said this needs to be corrected as it is. Derogatory it should be listed as current closed. It is against the Fair Credit Reporting Act to keep harming somebody's ability to acquire new credit by listing is satisfied account as derogatory. This item needs to be deleted or corrected. I have the tempted many phone calls letters and disputes enhanced recovery collections is blatantly being vindictive despite the fact that this account was paid in full and has not been in collections for 5 years.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debt was original owed in XXXX. If this company was following the church status of limitation law the debt would be unable to be collected on as of this year however Enhanced recovery company has removed and put it back on my credit report several times as a new debt the most recent showing opened XX/XX/XXXX for a balance of over {$2800.00}. The originally balance was less than {$1500.00} on cell phone equipment and a bill. I have never recieved company showing valuation of the debt nor the difference of the increase of the debt they now at that i owe.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A