Date Received: 2020-05-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Enhanced Recovery Collection XXXX is reporting on my credit report in violation. I never got a notice for this debt. I just saw it on my credit report and I didnt't received my 30 day right to dispute this debt.
Company Response:
State: UT
Zip: 84005
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have repeatedly disputed this asking for validation as I have no idea who Enhanced Recovery is or why they are reporting on my credit. They have never sent me anything in regards to this. This is a violation of the FDCPA and FCRA. PLease help me!
Company Response:
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am requesting verification validation of debt per my right under the FDCPA section 809 A and B. I have contacted this company before and they can not provide proof this is my debt. This is currently being reported on my credit report and its not mine. If these documents can not be provided within 30 business days, then this account needs to be removed from all 3 CBR 's. I will contact an attorney if needed to protect my rights as I am aware of the actual and statutory damages for each violation.
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Credit report shows : " Paid. Closed. '' ( This language INACCURATELY represents the account, as the account has actually been " Paid In Full. '' Moreover, ERC ( Company filing complaint against ) has even provided a letter showing so. Please see text copied from original PDF below : In addition, I have requested the account be RECALLED and DELETED from my credit report. The Original Creditor has also confirmed the balance as XXXX DOLLARS. PDF Text of Payment Letter : XXXX XXXX XXXX Mispelled first name ; should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX www.ercbpo.com/help Office Hours ( Eastern Time ) : XXXX XXXX XXXX XXXX M Th XXXX XXXX XXXX XXXX F XXXX XXXX XXXX XXXX Sat. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance Paid : {$410.00} Reference # : XXXX XXXX XXXX : This is to inform you that we have received payment ( s ) totaling {$410.00}. Your last payment was received in our office on XX/XX/2017. The above referenced account is paid in full. This agreement is contingent upon the successful clearance of all payment ( s ) made towards this offer ; if any payment ( s ) made as part of this agreement fail to clear, this letter will be null and void. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72756
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: After watching an infomercial on TV about credit and how it is important to check it regularly, I decided to check mine even though I rarely use it. I discovered an unknown account on my credit from a company called Enhanced RecoveryXXXX it says its for XXXX. I have had XXXX XXXX XXXX for the past 10 years and I have never had an account with XXXX. I don't know where they- Enhanced Recovery get their data from but this is far from the truth!! I have also loved at my address for 10 years and I have never received a notice or call from them. I feel like my rights have been violated. I have sent them a dispute notice and I have yet to hear back. I know the pandemic has slowed things down a bit- I get it- but the account should have never been placed on my credit in the first place. ENHANCE RECOVERY ACCOUNT XXXX
Company Response:
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received notice of a debt that is not mine. I wrote to the company within 30 days of receipt, as is my legal right. Today, I found my credit score has dropped by 27 points and this company was listed as the cause, having made a false report. I disputed this via XXXX. After having made the dispute, I noticed the collection agency reported this misinformation to XXXX PRIOR to their even MAILING the letter to me. I believe this is illegal and want this removed from my credit report ( s ) IMMEDIATELY. My payment history is 100 % and I want this permanently removed.
Company Response:
State: OH
Zip: 44305
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pursuant to 15 usc 1692 please provide me with proof that this debt is mine. Please keep in mind this is not a dispute I am just requesting validation.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
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: For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX This is company failed to notify me by mail verifying the debt. They added the debt to my credit file on XX/XX/2020. I have yet to receive any information from this company. I have provided the company with my address of XXXX XXXX XXXX XXXX XXXX, TX XXXX. I would like for the company to provide me with their attempts to contact me in writing and remove the entry from my credit file. I also like to see if the statute of limitations for what they are claiming. I would appreciate any help that I can receive.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
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: During a routine examination of my Consumer Credit report with TransUnion, I found a new collection account listed as Enhanced Recovery Compan for an alleged XXXX XXXX XXXX debt. On XX/XX/XXXX, I opened a dispute via XXXX online account page. Upon contacting Enhanced Recovery service personally they could not provide me with any information as to the ownership of this account or documentation that it was my debt. They only offered high-pressure tactics to collect the alleged debt. They offered a partial settlement but no proof of ownership. Therefore, I disputed with the three major credit reporting agencies. The account was not verified with XXXX and the collection was removed from my consumer report. However, on XX/XX/XXXX I received an email stating that the collection account listed on my report with Transunion has been " verified ''. I have been a customer of XXXX XXXX XXXX since XXXX and still maintain an active, current account with active wireless service. XXXX XXXX XXXX shows no bad debt on my account. XXXX XXXX XXXX has drafted my checking account monthly for my monthly invoices and continues to do so. I feel like this is extortion. I have never received any notice of collection, any Dunning letter, I am unable to be provided with any proof of this debt being mine. However, without evidence, this bogus account continues to remain on my consumer credit report as if it is factual in turn costing me money in increased interest rates and denial of credit extension. This practice violates the law. Transunion states this debt is verified but can not provide me with any means of verification. I suspect no verification process was completed.
Company Response:
State: GA
Zip: 30534
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A