Date Received: 2020-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX ENHANCED RECOVERY COMPANY, address XXXX XXXX XXXX XXXX XXXX, FL XXXX phone number ( XXXX ) XXXX placed a collection of of {$250.00} on my XXXX credit report. I have never received any correspondence prior to this being placed on my credit report and it is not my debt. I requested this be removed. ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$250.00} Date Updated : XX/XX/XXXX Original Amount : {$250.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Page 7 of 29 Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note : Accounts are reported as " Current ; Paid or paying as agreed '' if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: XXXX {$410.00} FAMILY SUPPORT {$2500.00} THESE ACCOUNT DOES NOT BELONG TO ME
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had a payment plan in motion and up to date with XXXX for an auto loan and they repoed my car regardless of our verbal agreement. I have went back and forth disputing and it has ruined my credit I cant even get a credit card to buy school clothes! There are class action law suits Im getting involved in after I research more.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
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: I contacted XXXX in XX/XX/2019 about an error reporting on an account in which they replied saying it was verified as correct. I sent another letter pointing out that same error and they replied the same in saying it was right. XXXX failed to perform an actual investigation but simply mirrored what's already in their system.
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received a letter from ERC Collection Agency in re XXXX XXXX XXXX XXXX XXXX demanding {$150.00} or settlement of {$95.00}. This is an attempted shake down for a debt discharged in chapter XXXX bankruptcy as of XX/XX/17. I have not attempted to contact this entity so as not to validate this matter unwittingly because it is invalid due to the discharge afforded by the BK Proceedings. This company is trying to perpetrate a fraud during this tax season as is common by collection agencies.
Company Response:
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery COL showed up on my credit report. I had never had any XXXX XXXX XXXX services. I never received any collection notices to my address. Where did this collection account come from? I never received notices. I never had any services with this company or XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XX/XX/XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt. On XX/XX/XXXX I was notified by my XXXX app that ( ENHANCED RECOVERY ) been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with ENHANCED RECOVERY. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt from ENHANCED RECOVERY.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The collection company ERC ( Enhanced Recovery Company ) is attemptimg to collect debt for a very old XXXX cellular account. The cell phone account is closed, but the member account is however open to log in and rectify your balance. XXXX initiated a collection company years ago, but I believe there's been two collection company trying to collect on this old account. Most recently, ERC ( Enhanced Recovery Company ) XXXX. XXXX XXXX XXXX, FL XXXX XXXX. The XXXX account past due XX/XX/XXXX on the website indicates the amount due is {$270.00}. ERC ( Enhanced Recovery Company ) Obviously didn't know, I was paying XXXX directly through their website and had dates process, amount of money pay and confirmation numbers from XXXX. Recently I owed XXXX {$470.00} and I paid the XXXX account on XX/XX/XXXX {$200.00} decreasing the account balance to {$270.00}. I expected the payment, like others to be reported to the credit bureau. That didn't occur this time around like the payments of {$24.00} on XX/XX/XXXX and {$20.00} XX/XX/XXXX. I paid {$200.00} to cut into the {$470.00} decreasing the account to {$270.00} and ERC ( Enhanced Recovery Company ) falsely claims that no payment was made and they increase the account debt by {$200.00} to indicate that I still owe the {$470.00} on my credit report. ERC ( Enhanced Recovery Company ) falsely reported a {$200.00} increase on my credit account because I dispute the accuracy of the total amount due and I'm assuming because I didn't pay them. I payed XXXX XXXX company online member account in the last 13 months {$240.00} toward the {$470.00} that was owed. I pay on XX/XX/XXXX {$20.00} confirmation number XXXX XX/XX/XXXX {$24.00} confirmation number XXXX Recently, XX/XX/XXXX {$200.00} confirmation number XXXX ERC ( Enhanced Recovery Company ) wanted to fraudly and negatively affect my credit rating by increasing the account by {$200.00} to indicate the previous amount {$470.00}. I owe XXXX XXXX company {$270.00} ERC ( Enhanced Recovery Company ) has broken the law and fraudulently reported and increase the amount of due to collect on money that was paid to the original creditor.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received three letters from ERC : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX All the statements claim that I had an XXXX XXXX XXXX XXXX Account and owe {$150.00}. I have never had an XXXX XXXX XXXX XXXX Account. I and my sister have spoken to them several times on the phone and they failed to provide me with proof of debt / unpaid statements. The address they are claiming that I had XXXX XXXX XXXX XXXX account had an active XXXX account under someone else 's name ( my sister 's name ). The bills were sent to them. I also provided them with a letter from USPS confirming that the mailbox had reported thefts on it. Last time I spoke to them they assured me that this will be cleared off my account in 8 weeks.
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A