Date Received: 2020-04-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Unwanted daily robo-calls with no option to talk to a person. This is a private, unlisted number NEVER used except by family. We have no debt that needs collection. Get rid of this company!
Company Response:
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I checked my credit to see a collection account from Enhanced Recovery for XXXX XXXX. This is incorrect reporting and I want to take action. I paid my final bill with XXXX and returned the equipment as requested. I did not leave a balance behind with this company. This has tarnished my credit, and the collection company never contacted me to verify or validate the debt. I filed both FTC and FCC complaints as well. Im also filing an attorney general complaint.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ENHANCED RECOVERY CO., ACCT. NOXXXX, A COLLECTOR FOR ORIGINAL CREDITOR XXXX IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT LEGALLY OWED, A DEBT THAT WAS PROCURED BY FRAUD. 3 YEARS AGO, MORE OR LESS I BOUGHT SERVICE AND PHONES FOR XXXX WHILE LIVING AT MY HOME IN XXXX XXXX, CA. XXXX KNOWINGLY SOLD ME SERVICE AND PHONES THAT WOULD NOT FUNCTION PROPERLY DUE TO LACK OF CELL TOWER OWNERSHIP OR LEASES FOR THEIR SERVICE. THIS RESULTED IN DROPPED CALLS, INTERFERENCE, MISSED MESSAGES, GENERALLY A POOR NON-FUNCTIONING SERVICE.WHEN VISITING A XXXX STORE THEY EVEN OFFERED SWITCHING OUT THE PHONES, A FURTHER DECEPTION. THE PLACE, LOCATION AND NUMBERS OF TOWERS ARE INFORMATION THAT THE REGULATORS OF XXXX ARE AWARE OF. XXXX AND THEIR COLLECTOR XXXX ARE MERELY FUNCTIONING TO A PRE-THOUGHT OUT PLAN OF DECEPTION, FRAUD AND THEFT. IT IS INTERESTING TO NOTE THAT THEY HAVE NOW MERGED WITH THE 2ND BIGGEST FRAUDSTER IN MY AREA XXXX. BOTH HAVE OFFERED CHEAP PLANS THAT DO NOT FUNCTION.IT IS THE BUSINESS PLAN THAT GOVERNMENT PROSECUTORS SHOULD DO MORE ABOUT. CALIFORNIA 'S IMPLIED WARRANTY LAWS ARE STRONGER THAN THE FEDERAL, PRACTICALLY SPEAKING, THERE ARE NO LOOPHOLES. BOTH XXXX AND XXXX AND PROBABLY OTHER BUREAUS DISPLAY THIS FRAUDULENT ACCOUNT.
Company Response:
State: CA
Zip: 92284
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY CREDIT REPORT AND NOTICED THIS ON MY REPORT. THIS DEBT DOES NOT BELONG TO ME
Company Response:
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was contacted or I contacted ( not sure which because it was a while back ) but I saw where XXXX was trying to make me pay a bill for a XXXX service that I NEVER signed for or in any way authorized. I never never authorized this. I demanded a signed copy or proof that I authorized this because I knew that this was someone who was probably living or renting my ex wife 's house at the time. I didn't even live there at the time. I told them that and demanded proof. How did they get my name and social to open this account and start billing me for it? I never received any proof and they told me it was being investigated and they would remove it. I thought it was taken care of because it was removed off of my credit. All of the sudden it is back on my credit under a collection agency by the name of Enhanced Recovery. I sent them a notice that I DID NOT do this and XXXX was supposed to be taking care of this. Evidently, instead of investigating it where they would find that I DID NOT open this account, they sold the debt to a collection agency. This has impacted me and my family in a very sad way recently.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I just checked my credit report and there is a new collection from " Enhanced Recovery System '' this is an item that I have no knowledge about. I have sent debt validation letter.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Erc is harassing phone call and never have accurate information XXXX was made aware the debt isnt mine. I had to do a police report with ftwpd then download the packet from their website ( XXXX ) file out documents and attach supportive images police report lease as proof of address and front and back of Id I even included a tax return with consistent address
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I opened this account while away at XXXX. XXXX for XXXX XXXX training in XXXX XXXX, Utah in XX/XX/XXXX, the XXXX location was inside XXXX XXXX XXXX building. My credit file is showing that I opened the account in XX/XX/XXXX, which is 3 yrs old and the amount owed is {$300.00}. This is false, I have had XXXX XXXX service since before leaving Alabama in XX/XX/XXXX. This account is actually over 7 years old, and the amount owed was {$170.00} ; my credit file is showing that I owe {$300.00}.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
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: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A