Date Received: 2020-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: When I moved into my new home XXXX XXXX told me they could provide me with 10 Mbps internet service. After installation was only receiving 1 Mbps. After several phone calls and 4 service repair men attempting to resolve I was finally told I lived too far from the switch and 1 Mbps was the best they could provide. 1 Mbps was useless so I told the repairman that if I wasn't able to receive the service I was paying for he could cancel my service. The {$110.00} dollars for the service never provided is now on my credit report and being collected through enhanced recovery company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: ERS Collection Company called my employer and left a message on my work voice mail that the call was coming from a debt collector. Leaving such a message not only violates Federal Law, but puts my work status at risk. I have not received a notice of debt, nor have I had an opportunity to file a dispute. I don't know if this is a scam or a real debt. I called the company at ( XXXX ) XXXX and spoke with XXXX XXXX and XXXX XXXX to complain about the call. I played the recording for XXXX XXXX, but Mr. XXXX stated he would listen to his internal recording. I have saved a copy of the voice mail and will make it available if requested. Mr. XXXX put me on notice that the call to my office recorded. I am in California, which is a two party consent state and I did not consent to being recorded. The fact that my voice or message on my work voice mail was recorded without my permission should be illegal. a
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There are a few creditors on my credit report that refuse to address incomplete information. I've sent letters twice within the last 90-120 days and nothing has changed. ERC- {$280.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45237
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
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: On or about XX/XX/XXXX I forwarded a proof of verification letter to XXXX requesting information on how 3 debts that they are reporting were investigated. There is a Water Bill for {$130.00} from a house I lived in during XXXX. XXXX XXXX is still reporting negatively even after the statue of limitations has long expired in my home state of Virginia ( 6 years ). I want this account removed from my XXXX credit report. There are two other negative items being reported XXXX. XXXX and Enhanced Recovery both collection agencies. I forwarded Validation of debt letters to both of these companies and XXXX XXXX did not respond with a proper and timely response. I am forwarding their response to you, the CFPB, as proof of a poor and incomplete validation of debt procedure. When I wrote XXXX to get information about what information they were provided by the debt collector they responded with a standard template letter asking me to contact the creditor. Which I have done already about 6 months ago. I want this account deleted from my report for failure to validate debt. Enhanced Recovery is an account that has been re-aged by the new collection agency. I want this account to be removed for that violation. Enclosed is proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am lodging a formal complaint against enhanced recovery. This debt collector has reported derogatory information on my three credit reports for debt that does not belong to me, and I never received anything in the mail from this company allowing me to dispute validity of these accounts. Which is a violation of the fdcpa/fcra. I must be notified before reporting derogatory Information on my credit reports, which gives me 30 days to dispute validity. I've had the same address all my life and same phone number. I have never had any contact with enhanced recovery. The debts are 2 accounts. One for {$1400.00} to XXXX which I know is incorrect because I've only done business with XXXX since 2006. And another debt for {$180.00} which I don't know what this debt is for. This has been the worst timing ever. I am in the process of purchasing my very first home for my family and I. And I'm being told these errounous accounts are holding my family and I back. I am requesting these accounts be deleted immediately from my credit reports so I can move forward with purchasing my home for my family. I am a single mother of XXXX kids and this is breaking my heart. XXXX, and attorney general complaints will be filed if these accounts aren't deleted immediately. Thank you for your time!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18018
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2018, I had an open agreement with XXXX XXXX where I was currently paying off a bill in doing so they would not report to my credit. They reported to my credit anyway. I filed a complaint against XXXX XXXX, they agreed to remove from my credit report. They did however sell to another Collection agency in XX/XX/2018. The new collection agency did not contact me regarding this collection and placed it on my credit report in XX/XX/2018.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Company ( ERC ), based in XXXX Florida, Has continuously pressured me into paying a bill that I do not owe at all.I never had XXXX phone service or XXXX XXXX XXXX which enhanced recovery is trying to force me to pay, I have reported to this collection agency that I do not owe a debt continuously over the last year. They continuously harassed we continuously harm my credit filter produce in the written verification of debt which is required under federal law.Enhanced recovery have been violating the fair credit reporting act.Please force them to remove all fraudulent items off of my credit report or non-verifiable information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX # XXXX is reporting an account to my credit that I have never had. I have no idea what this is for, it is not mine and I have never had an XXXX XXXX collection nor have I had XXXX XXXX which is the original creditor. This is not mine and should not be reporting to my credit and needs to be taken off.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I dont not apply for this loan. Somebody else must have used my information. I never received anything or had any knowledge of this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This company has called me after XXXX and before XXXX on several occasions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A