Date Received: 2020-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had run my credit report and I found out that I had a debt collection reported on my credit by seeing this I had send them letters explaining this debts is not correct that this debt So when I saw this I deiced to write a letter to them and to XXXX which I also send a copy of the letters I sent to ERC on XX/XX/2020 I had send a registered certified mail to let them know what is this ( see attached document ) which I have not received respond. On XXXX XXXX I send them another letter to ERC and XXXX and I have not received any respond again. ( see attached document ) and 3rd letter was send on XX/XX/2020 agin till today I have not received a respond
Company Response:
State: CA
Zip: 91364
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an old account with XXXX XXXX XXXX I contacted them and settled to pay my bill in full. I asked that a letter stating I paid in full be sent to me and that the item be cleared from all three credit bureaus. It has been weeks now and it's still there. I held up to my part and I would like them to do the same and remove the item IMMEDIATELY
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced recovery is trying to collect a debt of {$1400.00} in regards to XXXX XXXX XXXX. The debt is not mine what so ever. I have asked this company to prove in writing that the debt is in fact mine but they have failed to do so. I feel as if I am being harassed by this company and it is unfavorite they are trying to take money that I dont owe. I would like for their derogatory remarks that they placed on my credit report to be removed along with the collections.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have made numerous attempts to try to resolve this debt. I requested information baring my signature. I didnt receive any information.
Company Response:
State: MN
Zip: 55418
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Recently Enhanced Recovery Company , LLC responded to CFPB compliant number XXXX, filed XX/XX/XXXX. Equally important XXXX responded to CFPB complaint number XXXX filed XX/XX/XXXX ; Enhanced Recovery Company , LLC ( ERC ) is a third-party debt collector for clients in telecommunications, utilities, banks, and student loan industries. ERC was founded in XXXX and was previously known as Enhanced Recovery Corp. ERC is headquartered in XXXX XXXX Florida XXXX Since XXXX, the Consumer Financial Protection Bureau ( CFPB ), a Government agency responsible for protecting consumers from unfair, deceptive, and abusive debt collection practices, has received 6,229 complaints against ERC, according to data provided by XXXX XXXX XXXX XXXX XXXX. Unquestionably, this company has integrity issues ; previously in the response letter from ERC dated XX/XX/XXXX XXXX XXXX XXXX the company stated the following Our client, XXXX, placed a delinquent account in the amount of {$170.00} with our office for collection on XX/XX/XXXX. Please note our agency is not a debt purchaser. Our client maintains ownership of their account ; therefore, we service the account on their behalf. Please be advised that on XX/XX/XXXX a payment was remitted on Mr. XXXX account updating the account balance to XXXX. As of XX/XX/XXXX, Mr. XXXX account was closed as paid in full. Therefore, on XX/XX/XXXX, ERC sent an update to the credit reporting agencies to reflect the account as paid in full. As a data furnisher, we are required to report the true and accurate status of the account. A deletion of the trade line would not be the true and accurate status of the account. By comparison, Response letter dated XX/XX/XXXX XXXX XXXX ) stated ERC submitted a request for the account to be deleted from all credit reporting agencies. On the whole, I want nothing to do with this organization and seek that all associated tradelines be deleted from all credit reporting agencies { I.E. XXXX } or Ill have my attorney prepare to file a lawsuit. Ive attached both correspondence letters at this time.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Enhanced recovery company, Ive told this company multiple times to stop contacting me they still do at all hours,
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am attempting to purchase a house and my credit report was ran by credit company. When report was ran I had a collection account that was paid in full and still showing on my credit report and has not been removed. The amount is {$600.00} from XXXX XXXX. I have contacted them and they are showing me that there is a {$0.00} balance.
Company Response:
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ( Creditor ) XXXX XXXX XXXX sent a bill to Enhanced Recovery Collections ( XXXX ) XXXX XXXX XXXX XXXX FL XXXX Phone Number - XXXX Sent to collection XX/XX/XXXX in the amount of {$1200.00} it is my intent to pay this bill and have it removed from my Credit Report but XXXX is saying they have no record of the bill and when I called the Enhanced Recovery Collection Co. the phone 's voice mail is full and I'm unable to leave message. The service was opened on XX/XX/XXXX.
Company Response:
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to a incorrect item on my credit report. It has been well over 30 days and I haven`t received any investigation results.
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I DO NOT OWE THIS CMPANY. THEY CONTACTED SOMEONE OTHER THAN MYSELF AND DISCUSSED THIS MATTER. PLEASE REMOVE THIS FROM MY CREDIT REPORT
Company Response:
State: TX
Zip: 77303
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A