Date Received: 2020-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 ENHANCED RECOVERY CO / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$350.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX
Company Response:
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX RE : Collection account : XXXX ; {$280.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not sure where to begin. I received a notice from the debt collector, ERC, concerning a debt to XXXX XXXX. This service was stopped when we moved to Arizona in XX/XX/XXXX/XX/XX/XXXX. I do remember some correspondence from XXXX XXXX stating that we owed something, I wrote back stating I did not, and do not remember after that. All of the documentation I had, was discarded about a year ago. I thought the problem was resolved. Now, I get this first letter on XX/XX/XXXX from ERC that I owe them because of the XXXX XXXX dispute. I disputed that and just received another letter from ERC, dated XX/XX/XXXX. I have NOT received any specific information concerning this XXXX XXXX debt, what it is and why they think I owe it. What are my rights and what can I expect from ERC concerning this issue? The amount they are talking about is very little, but I don't want to be ripped off for even a dollar? Attached are the two letters received from ERC. One is dated XX/XX/XXXX, which was received XX/XX/XXXX & the other dated XX/XX/XXXX and received XX/XX/XXXX. I appreciate your feedback and help.
Company Response:
State: AZ
Zip: 86314
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX/XXXX never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX, XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws.Furthermore it appears my account may have been transferred to Enhanced Recovery Company who i have never heard of. That is a double FDCPA violation because not only didnt XXXX/XXXX not send me a final bill and damage my credit, Enhanced Recovery Company never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX/XXXX and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$150.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In my discussion with XXXX and chatting with agent by the name of XXXX, I was advised if i want it removed from credit bureau i have to either pay in full to XXXX or to the collection agency. here is the excerpt below from our chat session XX/XX/XXXX at XXXX 1. We can process the payment for the final bill then I will submit a request to remove the credit report, however, the removal will take up to 30 days from the date of the payment. 2. You can contact the Enhanced Recovery and make a payment with them directly for a faster removal of the credit report, XXXX. I advised that I am not paying anything without seeing the final bill first and furthermore having the negative reporting deleted first. This further backs my claims of illegal tactics by these companies.
Company Response:
State: CO
Zip: 80227
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I spoke with ERC in regards to a bill that is owed to XXXX on XX/XX/XXXX. They informed me that they were trying to recover a {$2000.00} bill that they believe I owe. I informed the first agent in the 1st 4 minutes of the phone call that I was disputing the bill because XXXX continued to charge me service fees after they had shut off the phone service. The represented continued to try to collect the debt, asking me how much I would settle the account for. He then transferred me to an account dispute representative XXXX XXXX. Over the next 20 minutes of the phone call, I advised Ms XXXX again that I wanted a copy of the bill and that I do not believe I owe the bill. I explained that XXXX would have been paid had they not continue to charge me service fees when I was not receiving services. She even verified that services were ended in XXXX of XXXX but service fees continued until XXXX of XXXX. I asked her if she saw my point. She the ended the phone call by saying that they would send me the requested information. I only received a letter from ERC saying that I needed to dispute the bill in writing within 30 days. Today is XX/XX/XXXX, and I have yet to receive the information that Ms XXXX promised over the phone to verify the bill. The bill is still being reflected on my credit and I want the bill removed. I was denied a job from XXXX that I was supposed to start on XX/XX/XXXX because of this negative trade line. I would like to file a formal compliant against XXXX and ERC.
Company Response:
State: TX
Zip: 75090
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I believe this is an old debt not owed to XXXX XXXX XXXX from approximately XXXX. I had internet service with XXXX XXXX XXXX and they had authority to deduct payments from my bank account. The consumer shut-off my service and still continued to take the money for several months. I called them regarding this and they still kept taking the money every month. I contacted my bank and provided them with the information for a claim, immediately they put a freeze on the company from removing anymore funds, and started an investigation. The bank concluded the investigation and returned all the funds they had taken for the months my service was interrupted. I returned their equipment via XXXX XXXX and the boxes they provided. I have spoken with ERC, another collection company, XXXX XXXX XXXX, also the Credit Bureaus to remove this erroneous information from my account. On XX/XX/XXXX I received another letter from ERC to collect a debt not owed. I have made several attempts to rectify this problem and as ERC has purchased a bogus account they feel I should pay anyway, as this has been stated to me. This is unfair practices and the threats need to stop also XXXX XXXX XXXX needs to be sure there isn't a problem with the debt account they have accrued due to their error.
Company Response:
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have found no recourse with ERC and their deceptive collection practices. I had no idea about this alleged debt, {$930.00}, until I obtained a copy of my credit reports. Which means, I was never given the chance to dispute it within the 30 days of notice. I have requested validation at least 3 times 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX ... ... ... .and have every request saved. ( see attached supporting XXXX ) They send me copies of an old bill, addressed to a person with a similar name. ( see attached supporting XXXX ) If they continue to ignore my request for validation, I have no choice but to bring about legal action against both this egregious company and the Reporting Agencies -- who fail to provide the method of validation with this ERC 's claim that the debt is, indeed, collectible and reportable. For one, these ERC agents aren't using my correct name to collect this debt. Second, the packets they keep sending me, for whomever this debt belongs, have a time-barred status. I've contacted the original creditor as indicated on my credit reports in an attempt to resolve this matter. They have no record. I have not accepted any more mail from ERC because they are not mailing it addressed to the correct person. Until ERC provides documentation as outlined in the FDCPA that proves this as a valid debt, and belongs to ME, then at that moment, as the alleged owner of this time-barred, alleged debt, I'll execute my duties as a responsible consumer and request that they stop reporting on my credit account. Until then, I will contact every entity that holds records in reference to ERC 's business practices. *** UNDER ANY CIRCUMSTANCES I REQUEST THE CFPB NOT REMOVE THIS COMPLAINT. REGARDLESS OF ANY OUTCOME***
Company Response:
State: MI
Zip: 49401
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The company called ERC - Enhanced Resource Center - calls me several times a week asking for someone named XXXX XXXX. I don't know who that is. Maybe he had my phone number before I got it last XXXX of 2019. I keep explaining to them that I am not XXXX XXXX and that I don't know anyone by that name, but they keep calling me. They have even given me XXXX XXXX XXXX account info - reference number XXXX - which seems really messed up as I am not XXXX XXXX. I have asked them each time they have called to please take me off of their list, and I have reported this company to the FTC as I am on the Do Not Call registry and to the XXXX as I don't think companies should be allowed to treat random innocent people like this. The harassing calls keep coming and there seems to be no way for me to get them to stop. I am not XXXX XXXX. I don't owe a dime of debt to anyone ( never have in my life ). I don't know why I am being harassed by these people. I just want them to please stop.
Company Response:
State: CA
Zip: 90404
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 I spoke with XXXX XXXX XXXX and they advised they have no reference of the alleged account that Enhanced Recovery is reporting. I have attempted to contact the creditor and the number is none working.
Company Response:
State: TX
Zip: 78217
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This debt was originally through XXXX XXXX XXXX cell phone service between XXXX - XXXX. I had 2 lines and I requested one line be removed - it was no longer needed. They refused because I was under a contract. I explained I could not afford to pay for a line I was not using. When my contract ended ( sometime in XXXX ) I changed cell phone service. In XXXX I had to file bankruptcy and it was discharged in XXXX.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A