Date Received: 2020-03-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX was the original creditor to this account and this was sold to XXXX XXXX. In XX/XX/2019, XXXX XXXX was removed from my credit report. In XXXX of 2019, Enhanced Recovery Company was added as a collection account. This information has already been disputed and removed when XXXX XXXX reported the account. Also, Enhanced Recovery Company has this reported as opened XXXX, XXXX, 2019 which is inaccurate because, XXXX XXXX did not delete the account until XXXX.
Company Response:
State: MO
Zip: 63026
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I checked my credit report and on XX/XX/2020 I was put into collections from Enhanced Recovery Company, their number is XXXX XXXX XXXX, They are trying to collect a debt from XXXX-XXXX, this debt is way over the statute of limitations and I have not received any correspondence about this debt. I am a XXXX veteran and a XXXX XXXX XXXX, I need loans to help me get through the COVID-19 emergency and they have jeopardized my livelihood as well as my XXXX XXXX with their shady business practices. They fraudulently submitted a collection to the credit reporting bureaus and they have not even attempted to reach out to me. After 11 years this is outrageous and this shouldnt be allowed, I am considering taking my own legal action for potential losses they have caused to my XXXX for their incompetence.
Company Response:
State: OR
Zip: 97128
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Enhanced Recovery Company is violating Fair Debt Collection Practices Act trying to collect interest, fees, or other charges on top of amount or fraudulently changed amount from previous closed account with XXXX XXXX XXXX, previous amount was XXXX XXXX reported XX/XX/2020 and ERC is reporting XXXX as of XX/XX/2020. This is a violation and the account needs to be removed immediatly. ERC has also re-aged the account as well, causing the negative credit report entry to remain on my reports longer than is legally permitted. ERC never sent any mailed notification of the account not allowing me to attempt to validate the debt.
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2020-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I was never notified of this debt in writing or by phone call from the debt collector. I discovered the account on my credit report and had no opportunity to resolve the matter before suffering negative consequences of a collections account on my credit report. The debt collection agency has never contacted me to discuss this debt.
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed this item before when another collection bureau was trying to collect it from me, It was determined it was no longer my account since it was sold I filed a dispute with you and you removed it from all my reports, Now this information has been sold once again to Enhanced Recovery Company, on XX/XX/2020, showing up as a collection report on my credit file 's, I WILL NOT DEAL WITH THIS AFTER GOING THROUGH THE TORNADO 'S HERE IN TN AND NOW THE VIRUS. THEY ARE XXXX XXXX XXXX FISHING FOR MONEY BY SELLING THE ACCOUNT. IT IS NOW SHOWING AS A COLLECTION AS A GHOST ON ll 3 of my reports. I WANT THIS FIXED ONCE AND FOR ALL. PLEASE REMOVE IT FROM MY 3 CREDIT REPORTS
Company Response:
State: TN
Zip: 38583
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Your company reported a debt opened in XXXX, XXXX. If I am not mistaken, this debt is from about 6 years ago. You keep " reselling '' this debt from one company to another and restarting the " opened date '' to stay on my credit report longer. This is against the FCRA.
Company Response:
State: TX
Zip: 798XX
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company Enhanced Recovery Collection XXXX XXXX XXXX XXXX fl XXXX tel XXXX put a collection on my credit report for a bill {$120.00} on XXXX Causing my credit report to drop 74 pt. This bill they are collecting has no notice, no particulars, no date whatsoever.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I been trying to dispute two accounts from enhance company 1. XXXX is a 9 year old account and shows on my XXXX account 2. XXXX was not even opened more then a month. 3. There customer service is the worse and never able to help me. I beem dealing with them almos a month
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit monitoring services and i noticed some unfamiliar accounts that I believe to be fraudulent on my profile. I would like these account removed as soon as possible.
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a call from Enhanced Recovery XX/XX/XXXX claiming I owe a credit card from XXXX for a total amount of {$1300.00}. I asked them to let me validate the debt by sending it to me in writing and they refused saying they are litigators and not collectors. They threatened to garnish wages, place a lien, and that my kids will visit me in XXXX. Shortly after the call, my credit report got an alert showing Enhanced Recovery reported a derogatory account for {$840.00}. As I'm writing this, I received another automated call stating that they are processing a court claim and need to verify my personal information - I hung up. How do I dispute this considering they are refusing to provide an address or validate the debt?
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A