Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX. Do not owe Erc any money. I understand they are debt collection buyers. But I dont have a signed contract with this company. I also request company to ceast and desist and all communication should be done by postal mail. Any phone call to my work or cell or home. And I can sue per call XXXX per call. I already have a fcra attorney ready to sue if this company does not remove this account off my credit report. Per ceast and desist request this company not even suppose to have my personal information. Delete delete.
Company Response:
State: CA
Zip: 93726
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called and dispute this Account the are reporting in my credit {$1100.00} the I dont have no knowledge where it comes from, its the coming from ( Enchanced Recovery CO L XXXX ) AT & T . I didnt authorized to nobody to use my information in no party for no reasons. I Would like to get a report about it thanks.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On Monday XX/XX/XXXX, it was brought to my attention from my home lender that I had a collection from Enhanced Recovery Company with the originator as XXXX for {$2000.00}. An account was created under my name sometime in XXXX and the collections were filed under my XXXX and XXXX reports on XX/XX/XXXX and XX/XX/XXXX respectively. I have never had a XXXX account and don't hold any email or physical records of creating an account as well as bills sent to my physical address or e-statements sent to my email address. I also don't have any payment methods linked to a XXXX account. On Thursday XX/XX/XXXX, I called XXXX to clarify any billing information under my name and they told me an account was closed and there were no records of payment. Today, Saturday XX/XX/XXXX, I went to the XXXX store to gather further information regarding this account. The store representative showed me an address based out in XXXX, XXXX with two different phone numbers that I have no affiliation with as I live in XXXX and have never visited XXXXXXXX. I have attached a couple photos of the address that was used to purchase 2 XXXX I have clarified with XXXX that this account is fraudulent and that I have no association with this account other than my credit being adversely affected as a result of the collection from Enhanced Recovery Company listed on my XXXX and XXXX credit reports.
Company Response:
State: CA
Zip: 95354
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX Account # XXXX Enhanced Recovery XXXX Account # XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX and have violated several of my rights. 15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX, XXXX 2023 I was checking my credit report and found that a collection account had been added to my report for XXXX XXXX, I have no idea who this company is and haven't received any notification that I owed this debt nor was I giving the opportunity to dispute this debt prior to it being added to my report
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A collection was put on my credit report for {$810.00} from Enhanced Recovery Collections for XXXX XXXX. Ive never had an account with XXXX nor do I owe them this amount. Also, I called XXXX to see what was the reason for the charge. Since XXXX is owned by XXXX. They claim it was for an old bill of {$660.00} from XXXX XXXX, when I lived in XXXX XXXX. However, I dont remember owing them this amount and Ive never received any correspondence from XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Collection in regards to this delinquent debt. Furthermore, it would be an old debt with XXXX that exceeds the statute of limitations in Alabama. Ive lived in XXXX since, XX/XX/XXXX and this was just put on my credit report on XX/XX/XXXX. Ive never received any correspondence from this company in regards to this debt the entire time. This is totally an unfair process in trying to collect a debt that I do not owe.
Company Response:
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC is attempting to collect {$1200.00} for an XXXX XXXX XXXX account which is closed and equipment returned via XXXX. I was advised that no shipping label was required if returned via a XXXX store. My internet service is currently with XXXX, therefore, I am not sure why ERC is attempting to collect this debt. I am also writing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX regarding this urgent matter.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was notified of an alleged debt that Enhanced Recovery Company say I owed I reached out to them and informed them that the alleged debt that they choose to report it unlawfully being reported this alleged debt was a repeat that I once disputed and and it was removed.. the original company XXXX did not have permissible purpose by law to report sell or furnish any of my private information to any third party agency by it being an collection the debt has been cancelled debt and now IRS looks at it as gross income and income is not apart of one consumer report, Cornell Law 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So this alleged debt that you are reporting is illegal and goes against Consumer Law, According to XXXX XXXX XXXX, they are not licensed to collect any alleged debts period in the state of Florida. This alleged debt is a repeat from another collection company and illegally being reported on my consumer report I notified them of this inaccurate information they are choosing to report and hope now you can step in to help matters more properly. I attached my dispute below
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I request erc to delete this collection off my credit report. I do not have a contract signed with erc. Erc is a debt buyer. They dont have my permission to have my personal information. I request they ceast & desist. I want them to delete this collection ASAP
Company Response:
State: CA
Zip: 93726
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was looking at my current credit reports and noticed a new collection that Ive never received any communication about from Enhanced Recovery Co. It says for XXXX and the amount is {$530.00}. I check my reports weekly and this just arrived at the end of XXXX but on my credit report on XXXX it states it was opened in XX/XX/2023. I called XXXX and they have no knowledge of this supposed debt so I believe this is either someone else 's debt or identity theft. This is hurting my ability to get credit from anyone and I would like it removed since it does not belong to me.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A