Date Received: 2020-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I checked my credit scores, as I usually do on XXXX XXXX. On my XXXX score, it showed a decrease of 35 points. The Enhanced Recovery Company, formally XXXX XXXX XXXX, says I owe them {$1100.00}. I have never in my life, had any connection with them. The comments stated on my report states that the account was opened XX/XX/2020. I'm requesting that this error be taken off of my credit report as I have had no affiliation with this company as an entirety.
Company Response:
State: KY
Zip: 42701
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: There is a debt of {$400.00} on my credit that says an account has been opened this year on the XXXX of XXXX. I did no such thing that I can recall and would like some kind of proof of what kind of account and from where. I filed a dispute and all XXXX told me was they verified that I did open an account and basically telling me I have to pay but gave me no other information in fact wants me to PAY just to see more information regarding this issue. That's ridiculous! I dont understand what's going on. All I want to know is what kind of account was opened XXXX of this year, from where and how?
Company Response:
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit report in XX/XX/2020 and seen a ERC Collection/XXXX which account I never had so I wrote a letter to Validate debt with original signed contract to the CRA 's for validation neither the CRA 's or ERC send me valid proof of a debt that is not mine. ERC sent copies of a bill from XXXX that I never seen even with phone records which is a breech of private information sent to me ad validating the debt. No signed contract. So I proceeded to right XXXX again for their proof of validation which they never sent what proof they have to validate the debt. The debt collector ERC even reported an address I never lived at in XXXX VA and I have proof of that which is another law they broke. This company ERC has violated my rights amd broke numerous Federal Laws according to FCRA and FDCPA. They have no record of my Social Security or any relevant findings that validate this debt.
Company Response:
State: WV
Zip: 25404
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: ON XXXX received an alert from XXXX stating that Enhanced Recovery added a collection onto my account the same account that was dispute listed above they are continuing to add the account on my credit file when I have advised them that I was not the party who is responsible for the account due to identity theft and yet they are continuing calling harassing and trying to force me to pay for something that does not belong to me, please remove the account from my XXXX credit report and find the person responsible for the debt Results Report Number : XXXX Date Generated : XX/XX/2019 XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. XXXX XXXX | View your Report | View your credit score Deleted
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
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: 02301
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I had a item on my credit report for a collection agency enhanced recovery company. I called them to find out what I owed. I owed for a old XXXX bill. I asked for a settlement amount to close and delete the item. I paid the settlement amount in full. In turn they reported to the credit bureaus a XXXX balance but didn't delete the item. I call the customer service number they informed me they don't delete just update. That still affects my credit score negatively. I kepted my promise to settlement amount. They did not hold up there half.
Company Response:
State: PA
Zip: 17331
Submitted Via: Web
Date Sent: 2020-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was notified from the credit bureau on XX/XX/2020 that I had a collection account that was added to my account. Once I noticed I disputed the account with XXXX regrading verification of this debt as well as the original agreement between myself and the alleged debt collector. Prior to this showing on my credit report I received no documentation in the mail or otherwise from the alleged Enhanced Recovery regarding this alleged debt I owe. I have never signed an agreement with this company and I have never received any notification and/or verification of this debt and that I am to pay Enhanced Recovery. I wish to have this collection removed immediately.
Company Response:
State: FL
Zip: 33461
Submitted Via: Web
Date Sent: 2020-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 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. 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 Co 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: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2020-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello. This complaint is very simple in nature. I am filing a complaint against Enhanced Recovery Corporation as well as XXXX and XXXX XXXX. The reason being I have disputed an account on my credit report to the credit bureaus in question as well as directly to the creditor. I submitted these notices on the XXXX of XXXX this year. It is my understanding these companies have 30 days from receipt of my notice to provide me with investigation results. The collector is also supposed to provide me with itemization within 30 days of my request to prove the validity of this debt. I have not received either. Just to make things very clear, I am not an unreasonable person. Clearly things are a little delayed due to COVID-19, but that does not excuse these companies from doing their job altogether. Even if the mail was a little delayed in arriving to these companies, There has been more than ample time and opportunity for these companies to begin an investigation. Not only did I not receive any notices with investigation results, I have reviewed XXXX XXXX and an XXXX report as of today, and there is no note on the Enhanced Recovery collection account that any investigation or dispute is even taking place! Please know that I am very diligent when it comes to researching so I was able to obtain a valid address for XXXX XXXX and submitted my request to them via mail to XXXX XXXX. XXXX XXXX XXXX, PA XXXX. I also sent a notice to XXXX at XXXX XXXX. XXXX XXXX XXXX, TX XXXX. I also sent a notice to Enhanced Recovery Collections at XXXX XXXX XXXX, XXXX, FL XXXX. NONE OF THESE COMPANIES HAVE RESPONDED IN ANY WAY! At this point I need this collection to be removed from my credit report. Even if this was a legitimate collection, these companies have not adhered to the Fair Credit Reporting Act or the Fair Debt Collection Practices Act respectively. Thank you for your assistance in this matter.
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A