Date Received: 2020-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my credit report two days ago, and noticed two accounts from Enhanced Recovery for XXXX and XXXX, in the amounts of {$1900.00} and {$760.00}. I have never had any account with either mobile phone company. My sister used my information twice and opened two mobile phone accounts in XX/XX/XXXX and XX/XX/XXXX. These accounts were not authorized and were opened fraudulently. I have filed an FTC fraud affidavit for the two fraud accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hi my name is XXXX XXXX and a few months ago CFPB and the credit reporting agencies helped me when XXXX the phone company tried to collect a debit. that was fraud it was used in my name from the time I was Under age a kid. for over XXXX dollars. I sent my ID to prove I just turned XXXX so when I was doing my financial aid for school and looking for loans this is how I found out I had a fraud on my name from XXXX CFPB and XXXX helped me and it was removed and I was found to be the victim. XXXX had opened a frud account for someone when I was under age like XXXX or XXXX. I was cleared. Well Enhanced Recovery put this same fraud account on my credit report. XXXX had deleted it and found me not guilty of this Identity theft. My school counselor and I called XXXX and they informed us they did no Authorize for Enhanced recovery to put this debt on my credit report and the supervisor stated Enhanced recover purchased all fraud or identity debts and now trying to ruin people and there credit. I was shocked! I don't feel this is legal I just turned XXXX and even XXXX said it was fraud and I'm was well under age. that they also did not have any ID or any contracts signed on file. and that it should be removed again for the 2nd time look at my ID I just turned XXXX in XXXX XXXX said the fraud happened for years before I was XXXX that's why they deleted it
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
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 the loss of credit rating.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A few years ago I made a complaint to The CFPB and Attorney General Office, Police about XXXX a cell phone company, And another collection agency. XXXX found out the charges of {$3800.00} was fraudulent and that I did not open any account. XXXX Deleted the Fraudulent debit from my credit file. and gave an apology for all the inconvenience it cost me to clear my name I checked my Credit tonight and a collection company ENHANCED RECOVERY has the same XXXX debit that was deleted years ago. on my credit report WITH BRAND NEW DATES like it had just been open. And this issue was closed and deleted a few years ago. it took months to clear my name. I want this Taken back off my Credit report at XXXX. and they allowed for this to be placed knowing full well it was removed. because of Identity theft.
Company Response:
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX, ERC, XXXX XXXX XXXX please follow the law. Attached is now the 5th police report signed an authorized by the XXXX XXXX XXXX police department. I have filed and submitted 2 XXXX FTC notarized affidavit with no resolution from XXXX to remove the reporting. Since you are verifying debts that are due to fraud which is a violation under law. Here is the police report uploaded outlining the fraudulent accounts and information. Immediate deletion from my credit reports would be appreciated. I have done everything instructed from the police department yet Im having to go through hoops with debt collectors and creditors and credit reporting agencies.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: about three years ago, in XX/XX/XXXX, XXXX XXXX XXXX sent me a bill saying i still owed them XXXX but i had paid it already and move away. a collections agency,. Enhanced Recovery Co L, started sending me stuff in XX/XX/XXXX, claiming i had just opened that account and defaulted. last year, XX/XX/XXXX, around XX/XX/XXXX or so, they dropped it, then resubmitted it this year on XX/XX/XXXX. so now it starts all over again. this is just XXXX. can they keep doing this? i do NOT owe this money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Opened up a credit site and noticed a fraudulent collection account and some fraudulent inquiries on all bureaus fraudulent accounts : ENHANCED RECOVERY COMPANY {$100000.00} XXXX XX/XX/XXXX ACCT # XXXX FRAUDULENT INQUIRIES : 1. XXXX XXXX XXXX SERVICES DATE XX/XX/XXXX ( XXXX ) 2. XXXX DATE : XX/XX/XXXX ( XXXX ) 3.XXXX XXXX XXXX Date : XX/XX/XXXX ( XXXX ) 4. XXXX DATE : XX/XX/XXXX ( XXXX ) 5. XXXX DATE : XX/XX/XXXX ( XXXX ) 6. XXXX DATE : XX/XX/XXXX ( XXXX ) 7. XXXX XXXX DATE : XX/XX/XXXX ( XXXX )
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2020-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX I received an alert from my credit reporting agencies that Enhanced Recovery Co L had reported a derogatory account on both XXXX and XXXX. The debt was for XXXX XXXX XXXX in the amount of XXXX. I had not received any mail or calls from this company regarding the debt. I disputed the debt with both reporting agencies. The debt was deleted from both agencies XX/XX/XXXX. The debt was a mistake on the part of XXXX XXXX XXXX. We had discontinued our service and closed the account. XXXX had paid XXXX XXXX XXXX the remaining balance. XXXX XXXX XXXX had continued to charge us after the account was closed. We contacted them and they admitted to their mistake, and made it clear the account was settled and we didnt owe. On XX/XX/XXXX I received an alert again from both XXXX and XXXX that Enhanced Recovery Co XXXX had placed another derogatory mark on XXXX and XXXX, for the same XXXX XXXX XXXX debt that was deleted from the reporting agencies in XXXX of XXXX. Again, I never received any contact prior to the report to the credit agencies. On XX/XX/XXXX the derogatory mark was deleted again from both agencies. I spoke with XXXX and they informed me that Enhanced Recovery Co XXXX reported the same debt, using a different account number after it was deleted the first time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XX/XX/2020 I submitted a dispute threw XXXX and XXXX about the collection I have on my credit report ; from Enhance Recovery Company, the collection agency for, the amount of {$1400.00}, from XXXX XXXX. The XXXX collection was originally under another collection agency ; from XXXX XXXX ; for the same amount {$1400.00} from XXXX which they did remove the balance owed. I then received a letter stating they sold the collection account to a different collection agency, and there is a balance due, and was placed back on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I had a payment plan back in XXXX that was supposed to go from now on to pay off the debt with the original collection agency and then I noticed that none of my transactions for biweekly payments were processed. that being said I contacted XXXX XXXX the debt collection agency and they told me XXXX XXXX XXXX recalled the account debt. This new debt agency had failed to contact me via cell or my mailing address accurately however the old debt collector did and so when I contacted the new collection agency they told me they tried to contact or notify me and they put it on my credit report as delinquent as when in fact I have been attempting to make payments so as a result my credit score has suffered greatly. My previous debt collection agency had no information on the new collector whos name is enhanced recovery company and they also increase my debt total
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A