Date Received: 2020-03-30
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: ENHANCED RECOVERY COMPAN Reported : XX/XX/2020 {$660.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights.. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Company Response:
State: PA
Zip: 17104
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Fraud and I am trying to protect my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. The following accounts are not mine I cant find any contracts for business with any of these companies : ENHANCED RECOVERY COMPANY # XXXX, I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC..
Company Response:
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This Charge-off appeared on the file that XXXX keeps under my social security number. I have an extended fraud alert under XXXX due to identity thief. Due to this I challenge the accuracy, compliance and reportability of this listing. Please validate this information with ENHANCED RECOVERY CO and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2020-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/20 account was paid in a settlement with ERC account still showing on my credit report.
Company Response:
State: TX
Zip: 78237
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Enhanced Recovery Company has consistently reaged an account that is almost 10 years old. The original creditor is XXXX XXXX XXXX. There is no account number listed. They reporting that this account opened on XX/XX/XXXX, when in fact this account went delinquent in XXXX. The last reported amount is {$500.00}. I have made attempts to remove this account by disputing this account with XXXX, XXXX, XXXX. Enhanced Recovery has consistently reported this account as open. Each time reporting a new and more recent open date. Please help me stop them from doing this.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2020 XXXX XXXX XXXX 2020 reported XXXX a company I have zero knowledge of and never engaged in a contract with fraudulently reported a negative blemish on my credit report damaging my score and affecting my personal character all the while violating the FCRA federal laws by reporting false information. Please let it be known this debt is not validated. I see they claim to be attempting to represent a phone company in the name of XXXX. My accounts with XXXX, all though none of there business, have been paid in full and I will upload the {$0.00} balance receipts in this complaint. This is now consecutive times this false reporting has been attempted. A lawsuit will be filed if it happens again. see attached receipts. And regardless of them, again, I never engaged in a contract with ENHANCED RECOVERY CO L regardless.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS COMPANY WHICH I HOLD NO CONTRACT WITH NOR HAVE RECEIVED SERVICES FROM, REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1700.00} WITH XXXX, XXXX, & XXXX CREDIT REPORTING AGENCIES. I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDED ADEQUATE PROOF. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODS OR SERVICES THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROO. I AM NOT OLBIGATED TO PAY FOR THE ALLEGED DEBT
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After checking My credit report today, it has come to my attention that Enhanced Recovery Company a debt collector is attempting to collect on a debt that I have no recollection of and/or do not own. ERC has added this debt to my credit report without any formal communication to me. They have also failed to properly document this debt as valid. At NO POINT did I have a debt with XXXX the original creditor cited on the ERC listing on my credit report. This company has hurt my credit rating by 24 points after I have worked so hard to fix my credit. I NEVER owned an account to XXXX and I nor do I owe anything to ERC as I have NEVER dealt with this company as well. The amount the claim thats owed is {$960.00}.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ENHANCED RECOVER COMPANY A DEBT COLLECTOR FOR XXXX XXXX, IS PRACTICING RE-AGING, THEY POSTED A COLLECTION ON MY CREDIT REPORT WHICH HAD A NEW DATE AS A COLLECTION AS OF XX/XX/2020. THIS ALSO WAS DONE BY THEM 3 YEARS AGO ON MY CREDIT REPORT AND I HAD IT REMOVED, NOW THEY ARE MAKING IT LOOK LIKE A NEW COLLECTION, AND ITS OVER 10 YEARS OLD.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a XXXX mobile cell account that I discontinued and so called breached NOW over 7 years in AGE in XXXX ... ... .XXXX sold this account to Enhanced Recovery Company of XXXX Florida when I found a Negative report on my XXXX credit report ... .. this account is Over 7 years from discontinuation For CAUSE XXXX This debt collector Enhanced Recovery Company Wrongfully reports and dates account XX/XX/XXXX and NOT exceeding the 7 year limitation of XXXX I called ENHANCED RECOVERY who purchased this Factored account from XXXX Cell Phone Company and refused to delete this over 7 year reporting on my XXXX Credit Report ... ... .My relief and remedy prior to contacting your Agency or going to Florida Court against XXXX and XXXX was for Enhanced Recovery to attest and remove the reporting of collections against me OVER 7 years.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A