Date Received: 2020-05-11
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: There are multiple phone numbers and addresses in my credit file that do not belong to me.
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: AFTER LOOKING AT MY CREDIT REPORT I WAS HORRIFIED TO DISCOVER THAT ENHANCED RECOVERY WAS REPORTING A DEBT THAT IS NOT MINE. I REACHED OUT TO THE BUREAUS TO HAVE IT REMOVED. THEY FAILED TO DO SO. I REACHED OUT TO ENHANCED RECOVERY AND INFORMED THEM OF THIS ERROR AND THEY HAVE NOT LAWFULLY REMOVED THE ITEM.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced recovery company will not validate debt. This is not my debt and it needs to be removed from my credit report all 3 credit reporting companys. I have try to get to the bottom of this and not getting help.
Company Response:
State: FL
Zip: 34601
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : Enhance Recovery Company XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had cellular phone service with XXXX. I lived in XXXX XXXX when I got the device and the service was ok. Not good. Ok. It never worked In XXXX XXXX XXXX which they attributed to a it being busy. Then I met my fianc. She is a XXXX. I moved from XXXX XXXX to XXXX to be with her after about a year of dating. I noticed I often had no bars of service in our home. I complained numerous times to XXXX and it was always the same person. I believe his name was XXXX. Im not sure. Anyway XXXX told me the service was great in my area. Full of 4G. Maybe just my house was bad. Then one day I had no service at all. From XXXX to XXXX NJ where I work. The tower went down and remained down for over 8 hours. They told me at first theres no problems. Then there tech support on XXXX acknowledged that a tower was down. They credited my account only after I filed a complaint with the fcc. Then my phone stopped working in my house. A bill I have to lay out payments for every month. I filed another complaint with the fcc after getting no help from XXXX. XXXX contacted me again. When I voiced my displeasure I was told service isnt guaranteed indoors. Use WiFi calling. This is not how you resolve an issue. XXXX then credited me XXXX dollars. Then about a month later when I was at XXXX XXXX in XXXX NJ I had no service again. This time my XXXX girlfriend fell out of her XXXX and couldnt get off the floor. She laid on the floor XXXX for over two hours because I had no phone service. I again spoke to XXXX at which point I requested to be let out of my lease. I was told under no circumstances do we do that. So I I had no choice but to switch on my own to a reliable company. I returned XXXX device. The service and customer service was unacceptable. Then in the middle of the night they attempted to just charge my bank card on file XXXX dollars. I dont feel I should owe this debt. I must have filed 9 fcc complaints in 4 months living in XXXX NJ. XXXX never attempted to resolve anything. They just want to push you aside and tell you how great they are. Telling me to use WiFi for service indoors is unacceptable.
Company Response:
State: NJ
Zip: 07751
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX I received a notification of a change in my credit report. I checked credit XXXX thru XXXX XXXX and found Enhanced Recovery reported a collection for XXXX XXXX. I called the company number listed on the report and the number stated voice mailbox is full. I did some research and found another number XXXX and spoke to XXXX XXXX desk # XXXX at XXXX XXXX on XX/XX/XXXX. I asked what this was about and she stated it was for XXXX XXXX in the amount of {$210.00}, stated went delinquent XX/XX/XXXX and was sent to collections on XX/XX/XXXX. I advised I never received any communications from Enhanced Recovery in regards to this debt. XXXX stated the debt has been thru 4 other collections agencies and Enhanced Recovery was hired on XX/XX/XXXX. I asked if they tried communicating with me, they stated they called and also said they NEVER sent any mail correspondence to me, they admitted this and they did record the call. I asked for their policy and regulations in regards to collecting a debt because they just obtained this account on XX/XX/XXXX and was reported to the credit reporting agencies on XX/XX/XXXX, they had the account for 52 days and on the 53rd day, they reported to the credit bureaus. I asked XXXX for the phone number they stated they called from and the number they supposedly have for me. I asked them how can they even think that making phone calls will be a sufficient type of contact if there are millions of phone call scams in the nation daily. She would not provide me any of this information, she stated i would have to send an email to XXXX. I did not accept that as a solution to my problem or the fact that they will not answer any of my valid questions.I asked to speak to a supervisor, she insisted on the email, I insisted on a supervisor. I was then transferred to an agent named XXXX ID # XXXX. I advised XXXX of the situation and asked him the same questions. I asked for the number or numbers they are calling from, says he is unable to provide this information. I asked for the number they were calling and he read out my phone number, so I then asked when did they call me because I now need dates and times of the calls and the phone number they called from. I advised once that information is provided to me, I will be contacting my Phone carrier and verifying the phone number they called from and the dates and times. He said he is not able to provide me with this information. I asked why they never sent any written correspondence, why did they have the account for 52 days and went straight for the credit bureau? I asked for the policy on their practices in regards to communicating with the consumer and their policies in general. XXXX placed me on hold and stated that this is their first attempt and since the account was put in dispute by XXXX, he has no information to provide. I advised as this is not even their first attempt to communicate with me as I was the one that initiated this call, not them. I asked him if I was speaking in English because he is not answering any of my questions or willing to provide any concrete evidence of their communications with me and not willing to provide their policy. XXXX placed me on hold for about 15 minutes and said that he has closed the account and will have this account deleted from the credit report but will take 5-45 days, I asked for a letter in the mail stating as such and XXXX stated the letter also takes 5-45 days. This is too long as this has affected my credit score severely.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently refinanced my house through XXXX XXXX ( did not have a problem with XXXX XXXX ). They showed a debt of {$1300.00} and was told I would need to pay the debt and the money would be taking out of my balance from my refinance. The title company sent me a check for the balance of my debt of {$1300.00} ( that was taking from my balance ) and was supposed to send to ENHANCED RECOVERY CO L. The debt I was supposed to pay was from XXXX XXXX I've never had XXXX XXXX, I contacted XXXX XXXX and they confirmed I have never had a contract with them. ENHANCED RECOVERY CO L was just interested in collecting the money and did not care if I ever had a XXXX XXXX contract or not. I'm in the process of contacting both XXXX XXXX and ENHANCED RECOVERY CO L. ENHANCED RECOVERY CO L has never contacted me about this debt, the debt goes back to XXXX
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I found false information on my credit report that caused a drop of 29 points on my credit score, that debt belongs to an original creditor by the name : XXXX XXXX, it was placed on my credit report by : ENHANCED RECOVERY CO L Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX this false info has severely damaged my credit report and score during a pandemic, as a XXXX worker and with the limited free time I have, I tried calling them many times but calls go to a mobile voicemail that has not been set up.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I saw a collection balance on my credit report. I called collection agency. No one wanted to help me as the collection amount was inaccurate. I asked the collection agency to very the correct amount with the phone company, they refused to follow protocol. They sent me back to XXXX to dispute. When I call XXXX, all of the representatives did not want to help me. They said account was over 4 years ago. They did not want to send me any billing statements to prove the amount they are asking for. Instead, I was transferred to many departments, hung up on, and outside of country representatives that did not care to help me resolve this balance. I even told the representative that I received a final letter that states if I did not pay {$590.00} within 7 days, that balance will be sent to collections. Please explain how a final bill of {$590.00} turn to {$1300.00}? I explained I will only pay {$590.00} as stated on my final bill. They said I need to pay {$1300.00}. I need help.
Company Response:
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A