Date Received: 2020-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: tried to contact this company and no help this bill is {$2200.00}. and the company is XXXX on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33805
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone used my identity and I have tried to contact the company and no help. I trhiedcalling several times and no one will help.
Company Response:
State: FL
Zip: 33805
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company named ENHANCED RECOVERY SYSTEMS has attempted to collect a Debt that is not mine int the amount of {$960.00} with account number of XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been trying to get verification about this fraudulent account from Enhanced Recovery Company, after numerous attempts they still are reporting this fraudulent account to my credit reports without sending me any verification and violating the fair credit reporting act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an invoice and I dont know who this company is or what this is for
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44224
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I requested proof of validation of a XXXX collection in the amount of {$930.00} on or about XX/XX/2008. It was place on my credit report by ENHANCED RECOVERY COMPANY. To my dismay, I did not receive proper verifiable information.This isn't my first complaint to this company. I complained to them for failing to reach me prior to putting this collection on my report. And was told by ERC that i fail to answer phone or phone was disconnected which is untrue! The bill that was mail to me fail to show what i legally owe if anything, nor did it show i was liable for the collection. Under federal law this collection is considered time-barred debt. Federal law states the statue of limitation is 2 years ( service calling ) and 5 years for cost of phone, equipment and taxes. This been going on for 2 years and 11 months With that being said the balance that is reported is wrong. Never did i receive any notice prior to the collection being put on my report. FDCPA states debt validation should include account statements from original creditor, payment history with the original creditor or a copy of the signed contract between the original creditor and debtor. 15 U.S Code S1692g. validation of debts 5 ( b )
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called XXXX on XX/XX/XXXX or XXXX of XXXX and explained to them that I would like my final bill for the amount owed. I also was very affirmative that I would NOT pay the amount that they're requesting I pay due to how I forced to purchase a brand new phone on XXXX, XX/XX/XXXX. I agreed to pay them {$200.00} for the bill but I did not agree to pay them back for a phone that they FORCED me to purchase even though I had insurance. This was a whole scam and I may not can tell it inside this little box that you'll are asking all the information for but if you got me in person or on the phone, I bet you I could.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX. I am also writing this complaint in regards to the companies XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from ENHANCED RECOVERY COMPAN in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, a new collections account was report to XXXX and XXXX by Enhanced Recovery Company ( ERC ) showing a delinquent amount of {$640.00}. The original creditor is XXXX XXXX. I have no knowledge of this account and have never had any accounts with XXXX in my name. The date ERC is reporting the account to have been open is XX/XX/XXXX. However, XXXX has disclosed that the item reported indicates the account was opened in XXXX. From XX/XX/XXXX - XX/XX/XXXX we had an account with XXXX XXXX ( now XXXX ), which was I my husbands name. We moved to Florida in XX/XX/XXXX and now have an account with XXXX. Therefore, no such account with XXXX could have been opened in my name during XXXX. I have never received a bill or any other written communication pertaining to this account and was very surprised to see it mysteriously show up on my credit at the same time that Im in the process of obtaining a new home loan. This derogatory mark on my credit could result in the loan being denied. I have not contacted ERC, as they have not initiated any sort of communication with me. ERC is known for their unethical collections practices and for violations of the Fair Credit Reporting Act. I feel they have placed this erroneous debt on my credit and will not remove it, regardless of whether or not I pay then in full. They have essentially hijacked my credit unjustly just as I am in the process of getting an FHA home loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ENHANCED RECOVERY COMPAN Last reported XX/XX/2019 {$430.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on 2 million XXXX XXXX members Option 1
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A