Date Received: 2020-03-04
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: THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm just trying to get help with a collection account that I've been fighting for a long time. A collection agency is saying I owe over {$2400.00} for an XXXX bill. I do not owe them {$2400.00}. I've tried speaking with XXXX in the past and no one could ever tell me why they were charging me so much money. I had Service for XXXX for several years. Whatever contract I may have signed with them should have been completed so there shouldn't be any outrageous charges. When they hit me with a bill that was several hundred dollars I called them and informed them I was cancelling services with them. I believe I even paid any fees they wanted at that point. To tell me I owe {$2400.00} is just crazy. Please help me in fighting this account. I do not owe it and the collection agency is hurting my credit.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I open an account with XXXX in XXXX and it went delinquent in XXXX. This was placed on my credit report in XXXX. I was contacted by diversified consultant about paying this account but they were never willing to negotiate. Now a new collection debt agency has taken over the account and reported this to the credit report bureaus as an account that went delinquent in XX/XX/XXXX. This has affected my XXXX XXXX and I need them to report this information correctly to all Credit Report Bureau. The account with XXXX was opened in XXXX and it went delinquent in XXXX not XXXX.
Company Response:
State: TX
Zip: 77039
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: According to my credit report, Enhanced Recovery Company purports they have the right to collect {$290.00} from me. They have been reporting this amount since 2019 without proper notifications sent to me. After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Enhanced Recovery Company regarding my name or an alleged account. I disputed this information and it was verified as accurate. Because the credit bureaus did not speak with Enhanced Recovery Company, this debt has been verified illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus. They need to be reminded that, according to the FDCPA, they must follow certain procedures when attempting to collect a debt.
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I reached out to the collectors and they agreed to delete it because the information is wrong, but now XXXX has had another credit agency trying to collect which is Enhanced Recovery Co L
Company Response:
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ENHANCED RECOVERY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$810.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A mistake was made in XXXX systems and inaccurate information was sent to collections with out notifying me in the beginning of XX/XX/2018. On XX/XX/2018 the account was disputed and deleted from my credit and no longer shows up on my credit and XXXX admitted fault shortly after disputing and sent a letter indicating I had experienced fraud. Now XXXX is saying I owe the amount again since the collections company ERC ( Enhanced Recovery Co ) neglected fixing the account and when contacting ERC they state that the account was disputed twice that it was never deleted. I sent in proof from XXXX showing the amount was disputed and deleted with the exact information that they were accusing me of to XXXX. The company instead ignored the information I submitted and sent false information to the XXXX as well as the Attorney General saying that I am liar and they are correct when I have more than enough proof about everything but I have no one to submit it and they take the word of the company over mine all because ERC never fixed the account since its not even on my credit and it was disputed back in XX/XX/2018 as inaccurate and XXXX admitting fault as well. ERC tried getting me to pay half for an amount that is because of fraud. My credit was damaged and XXXX had to run my credit again and followed my account and will not fix the issue because ERC and XXXX are negligent even with proof and are trying to scam me into paying a balance that isnt mine or on my credit. Is there no way to show my validation instead of just taking what the company claims making me waste hours out of my day and making me go in circles.
Company Response:
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received my report and Enhanced Recovery Company had reported this dept on XX/XX/2019 in the amount of {$210.00}, that I do not owe. I want this debt removed immediately.
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A