Date Received: 2020-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX, I filed a dispute through XXXX to have a collection account removed as it was being reported inaccurately by Enhanced Recovery Company ( ERC ). In my dispute, I noted the account they are trying to collect money on does not belong to me ; I requested they submit a validation that the debt is owed by me. After 30 days, ERC did not validate and the collection was removed from XXXX. This morning, XX/XX/2020 I received notice that a collection was placed on my XXXX credit report. The collection agency is ERC who is attempting to collect the same debt that was previously disputed and removed.
Company Response:
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The company is Enhanced Recovery co. They say i owe XXXX but i contacted XXXX XXXX and they could find my name or the account. So i asked who their collection went to and it was this company. So i XXXX it and looked at the reviews. A lot of people are saying its a scam. They all say the same date and and money XX/XX/2018. I never had a XXXX XXXX bill. That year beacuse tv was included in rent.
Company Response:
State: MN
Zip: 56308
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: ERC ( Enhanced Recovery Collection ) continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry was placed on my credit reports and ERC never communicated in writing nor notified me that they were attempting to collect on this debt. I have never conducted business with ERC nor have I ever heard of them. Once I became aware of this entry, I immediately disputed this erroneous, inaccurate entry with the bureaus. To my dismay, the bureaus reported that ERC had verified the entry they are reporting. To that end, I disputed directly with ERC and to date, they have not responded to me. They have not provided sufficient documentation to prove the veracity of what they are alleging. ERC is blatantly reporting this negative entry on my credit profiles and updating them monthly further damaging my creditworthiness for an entry they violated my consumer rights in reporting. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that ERC has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.
Company Response:
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A collection account was removed from my credit report from Enhanced Recovery Company. My credit score only increase by 5 points. My credit score should have increased by at least 23 points.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern : I went onto XXXX the other day, : & found a collection account with XXXX XXXX XXXX XXXX XXXX. I have had no business with this vendor in all my years ; and I shared this fact with the gentleman at Enhanced Recovery Collection : I have had no correspondence from XXXX XXXX XXXX XXXX, nor have I heard of this collection agency According to ERC/ collection agency this is an account dating back to XXXX Again, if this account is owed by someone. It is not me.
Company Response:
State: CA
Zip: 92865
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt, ,and I was sent a letter with no documentation stating that they have the legal right to come after me for debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I made several contacts with XXXX XXXX XXXX XXXX to remove the charges that were occurred in my name as a result of identity theft with no luck it was then sent to collections and now it is derogatory on my credit score
Company Response:
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-24
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX My brother received a letter in his familys name that was attempting to collect my credit card debt. The paper inside included my name, the credit card number, and the amount due.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34974
Submitted Via: Web
Date Sent: 2020-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received alerts on XX/XX/2020 from my all 3 credit agencies that Enhanced Recovery Collections had placed a collection on my credit reports. I had no collections for many years as I'm heading into retirement. I've never received any written notices, letters, or phone calls regarding this debt. I, of course pulled my credit reports and noticed underneath Enhanced Recovery Collections were the named original creditor XXXX XXXX. I've never, ever, done business with these people. I research and found out it could be a telephone or cable company. I've had XXXX for years now. Also, the information listed on my credit reports states description of company as Collection Dept/Agency/Attorney as a threat. It also shows as loan balance {$460.00} and original loan {$460.00} which doesn't make sense at all. It shows collection date XX/XX/2020 and updated on XX/XX/2020. I believe this company is taking advantage of consumers during pandemic and its a shame to destroy someone's credit under false pretenses. I want this incorrect information removed immediately or I will seek assistance from my state attorney 's office. The representative will ask for your information instead of getting information from the supposedly account number listed.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a letter from ERC dated XX/XX/XXXX. The letter claims that I owe XXXX {$160.00}. I paid the XXXX debt on XX/XX/XXXX. ERC has threatened to collect on the debt again. The debt is already paid but they keep threatening to collect. Please see attached credit report. Under ENHANCED RECOVERY COMPAN # XXXX it reads that the debt was paid and closed on XX/XX/XXXX.
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2020-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A