Date Received: 2020-04-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX I agreed to pay {$180.00} with ERC for a debt. In return ERC agreed that the debt would be satisfied and release all claims. ERC cashed the check but as of XX/XX/2019 the items were still showing negative on my XXXX and XXXX credit files. I disputed the item and it was removed from XXXX on XXXX. The negative item was still showing on XXXX so I called ERC on XXXX the first representative told me it would take 45 days to be removed. I then spoke to a representative on XXXX and was told they can not remove the item. So I started disputing the information with transunion .But XXXX was still showing the negative item even after I showed proof the cashed check and the item being removed by XXXX XXXX Since that time Ive sent certified mail to XXXX to dispute this item but I still have no proof from XXXX or ERC that the information they have is valid.
Company Response:
State: CT
Zip: 06002
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Enhanced recovery Col was attempting to collect for XXXX which I disputed. I informed them I did not agree with the amount but they were only interested in collecting the debt. They called and bothered me excessively but ignored my disputes which I later found out was a violation of FDCPA Section 807 ( 8 ). It was impacting my ability to rent housing so I caved in to them when they promised to delete the debt if I settled it for a lump sum. I paid the debt and they did not delete it and continue to inaccurately report it even after coerced settlement.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is reporting a debt I have never open in XX/XX/2020. Will not send validation paperwork and is reporting as accurate to my credit report I have no knowledge of this account.
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Collector Sold the same old account that has been disputed n removed from report. Before any knowledge of XXXX breach I was having issues answering any security questions for verification. After being inform to identifiy thief I started repairing my credit. Thats when a collection near the statue of limitations got sold then re-age also double reporting to hurt my score while being repaired
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In checking my credit report as I do every week, I noticed XXXX XXXX had listed a negative report from Enhanced Recovery Company. The creditor name is XXXX XXXX XXXX, account open XXXX, stated open 2 mos & reported XX/XX/XXXX for amt. {$100.00}. I have NOT opened an account with such named companies & I do NOT know who they are. XXXX XXXX repeatedly makes messy errors on my credit report & refuses to correct it when I request it! How can you open an account XXXX XXXX XXXX XXXX show it is open for XXXX mos the beginning in XXXX? The way I pay my bills I would NOT allow anything to destroy my excellent credit! NOTHING reported on my credit report is correct! My credit score should be much higher. I have not applied nor had I opened any accounts this year. Please remove. XXXX XXXX needs to respect my request from a year ago & remove those inquiries. Some inquires are listed more than once. Enhanced need to stop calling me and remove that erroneous account from my credit report. A 34 point drop in my score is horrifying!!!! Thanks, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I am writing a letter of complaint regarding XXXX and Enhanced Recovery Collections Agency. I did have XXXX service 8 years ago but cancelled it 2 years later because I didn't utilize the TV service. I had no recollection of owing any money to XXXX because I always paid my bills. I had not received any notices or phone calls since I cancelled the service over 5 years ago. Fast forward 5 years, In mid XXXX, 2019, the lender alerted me to a collections notice that appeared suddenly on my credit report. It was from Enhanced Recovery Collections for the amount of {$380.00} for a debt from XXXX. It sank my credit score! I called XXXX immediately. They couldn't retrieve any information because it had been so long since I cancelled their service. I called on two separate occassions and on both calls was told to wait a week for a call back from their administration. I never did receive a call back. Meanwhile, my credit score has been held ransom from an unscrupulous collection agency and I am unable to refinance my mortgage. This is criminal to hijack someone's personal identity and ruin their financial credibility! It is about the principle of the matter and I refuse to pay a debt that I do not owe. I wonder how many other people have been victims of this type of wrongdoing?
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ENHANCED RECOVERY Recent balance {$5300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Original creditor XXXX Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$5300.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual I have no idea why this would be on my credit plus the amount is unrecognizable. I've never owed that to any company.
Company Response:
State: CO
Zip: 803XX
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Enhanced Recovery Company Alleged Amount owed {$78.00} Account XXXX Original Creditor : 11 XXXX XXXX Original Creditor Information Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX Enhanced Recovery Company executed continuous collection calls against me. Spoke with company in XX/XX/2020. I explained 1 ) their company information regarding me was incorrect 2 ) I do not owe money to Enhanced Recovery Company and 3 ) Please stop all phone calls immediately. Enhanced Recovery Company continued with its numerous collection calls. Days later, I filed a disputed with Credit Reporting Agency. Enhanced Recovery Company conducted an investigation. Investigation appeared to have concluded Enhanced Recovery Company was indeed reporting erroneous information. Enhanced Recovery Company supposedly removed their erroneous information from the credit reporting bureaus. However, Enhanced Recovery Company did not remove their erroneous information from all credit reporting bureaus ( this information was deleted from Experian but continues to be be erroneously reported to XXXX ). As Enhanced Recovery Company 's erroneous information continues to appear and or reappear on my credit report, I continue to suffer damages due to Enhanced Recovery Company continued and erroneous reporting. My credit score is lowered because of Company 's erroneous credit reporting and I have been denied credit due to Enhanced Recovery Companys ongoing erroneous reporting.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery is reporting on my report. I never had a XXXX cell phone, never received any letter about this. Not my account
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A