Date Received: 2020-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Review attached documentation.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got a alert that my credit score went down 14 points because ENHANCED RECOVERY COMPANY put a report on my account that does not belong to me, so i call E.R.C to get information on this dept so i can get it investigate, the rep was not able to tell me the address on the bill and when the account was open, all she was able to tell me is the original creditor ( XXXX XXXX XXXX ) i never had any account with this company and i have not live in florida for over 20 years. The account was reported to the credit bureau on XX/XX/2020 and the amount is {$260.00}. Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Company Response:
State: PA
Zip: 17201
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: When looking at my credit report on XXXX XXXX under enhanced recovery one bill was for XXXX and the other XXXX attempted to reach out to collection agency on XX/XX/30 asking for a deletion which agency states the do not delete only paid in full letter ... I will not pay for an account I have no knowledge of, secondly they can not provide validation of said debt, no signed contracts for the original creditor XXXX only a bill which is verification of debt not validation of the debt
Company Response:
State: GA
Zip: 31024
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've disputed this account and requested documentation several times, and they haven't sent me anything in the mail. They have continued to report the account on my credit. This is a direct violation of the FDCPA and FCRA. Please help me!
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Company Response:
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX {$270.00}, XX/XX/XXXX {$990.00} XX/XX/XXXX {$1000.00}, These accounts are result of identity theft
Company Response:
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice on my credit report for a collections. This brought my credit down 43 points. I have no idea what this charge is for nor did the company attempt to reach out to me via mail or phone or any other communication prior to adding this to my credit file. The creditor claims the account was open on XX/XX/2020 and reported this on XX/XX/2020 for the amount of {$280.00}. First, I am not even sure what this collections is for because I have never opened an account with this company. Second, the company never reached out to me to even allow me the opportunity to dispute or take care of it. I am disgusted at the way this company does business because I feel I was blindsided and forced into an obligation that is not mine. I have worked hard to clean up my credit and have paid everything that I actually owed. {$280.00} is not a big amount and if it were mine, I would have paid that too. I have filed a dispute through XXXX and awaiting the results but I wanted to file a c complaint as well. This should have never happened and I feel proper business measures were not taken. Company : Enhanced Recovery XXXX XXXX XXXX. XXXX FL XXXX XXXX
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: To whom it may concern, Good afternoon, I hope your day is going well! This message is being sent in response to an alleged debt that has been reported on my credit report from your company. I have attempted multiple times to dispute, as well as attempted to obtain verification, rights, and proof of your companies legitimacy to report and pursue this alleged debt three months ago with no response at all, putting your company in violation of the Fair Credit Reporting Act of 1970. My attempted requests of proof and legitimacy were not handled in a timely, or legally acceptable manner in accordance with the FTC managed, Fair Credit Reporting Act under United States law. The Fair Credit Reporting Act requires that creditors must respond to these requests within 30 days, or the debt becomes invalid. By failing to respond to the previous attempts within the 30 day period that the ( Fair Credit Reporting Act ) mandates, I am requesting that your company immediately removes this alleged collection account debt from my credit report with all 3 major credit bureaus, as well as any others involved, due to your companies violations of the " Fair Credit Reporting Act of 1970 ''. Thank you for your time, have a wonderful day. - XXXX XXXX
Company Response:
State: NC
Zip: 27455
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced Recovery Company , LLC, Doing Business AS, ERC at XXXX XXXX XXXX, XXXX, FL XXXX notified me of a bill from XXXX XXXX XXXX - Account number # XXXX on XX/XX/2018. At the time, the balance was {$520.00} with no interest charges, or fees/penalties. If not paid, the summary would reflect " No payment arrangements on file ''. If paid, the summary would reflect " Paid as agreed '' per our phone conversation and written notice. I paid the account in full ( I have provided the letter as an attachment ) stating, they received the payment of {$520.00} and on the date XX/XX/2018 they required- and goes further to state the above referenced account is " Paid in full ''. The person of reference in the letter is XXXX XXXX XXXX ERC. However, they reported to Experian credit report that the payment was late, which has damaged my XXXX XXXX. I want them to remove this erroneous information from my credit report by supplying a letter to them, indicating this bill was " paid in full- as agreed '' immediately, as what they reported is erroneous and have violated my consumer rights under the Fair Credit Reporting rules. I have disputed this information twice with XXXX and they have failed to try to get accuracy or remove despite my communication and proof of documentation,
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A