Date Received: 2020-01-09
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Enhanced Recovery Company LLC. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about an item on my credit report. I recently retrieved a copy of my credit report, I noticed a collection account for {$340.00} from ERC and immediately sent a Certified Letter to Enhanced Recovery Company LLC on XX/XX/XXXX. Requesting that they provided proof of this alleged collection account number XXXXXXXX and the alleged agreement with MY SIGNATURE. As well as documentation detailing the XX/XX/XXXX date in which this alleged collection account became delinquent. After receiving no response to my First Certified Letter requesting to see any Original Contract or Service Agreement WITH MY SIGNATURE I mailed a Second Certified Letter on XX/XX/XXXX as evidenced by my receipts from the post office that I have provided. As of XX/XX/XXXX Enhanced Recovery Company STILL HAS NOT PROVIDED ANY DOCUMENTATION THAT BEARS MY SIGNATURE, nor have they provided me with the alleged delinquency date nor complete accounting of the alleged debt of {$340.00}. I wish to see the Original sources of the information reported, including but not limited to, the Original Contract or Service Agreement WITH MY SIGNATURE. If you can't provide me with this information, please REMOVE THE ACCOUNT IMMEDIATELY as neither your agency nor I can verify that this account information is being reported accurately. The First violation is that Enhanced Recovery Company inserted this unverifiable, inaccurate entry on my report and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of the Two Certified Dispute Letters I mailed them. This is a conscious, willful and blatant FDCPA violation. Enhanced Recovery Company must IMMEDIATELY DELETE this erroneous entry from all of my credit reports. Enhanced Recovery Company is refusing to respond to my request, yet they continued to report this inaccurate and unverifiable entry. Enhanced Recovery Company delete this entry immediate and provide me with a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry as well.
Company Response:
State: CA
Zip: 93105
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I've been working with this account for awhile and everything was going good as i am on a credit payment plan. I was almost a XXXX on my score. I noticed i dropped 36 points. This company Enhanced Recocovery Company has not tried to reach me nor call me when they have my updated information. All was being paid by another collection agency. I feel like i am back to square one.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
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: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX fraudulently charged my account with $ XXXX months after it was closed. They then sold the debt to a third party company ( ENHANCED RECOVERY COMPANY ), which I discovered on my credit report. I'm still having trouble getting this removed from my XXXX report, even though I have sent them proof that my XXXX XXXX account was closed long before they continued billing me for their service. On XX/XX/XXXX I received my final ( accurate ) bill from XXXX. I paid it that day online and received confirmation that my balance was {$0.00} and my bill was paid in fill and the account was closed " Your final bill will be approximately {$0.00} '' I received another bill on XX/XX/XXXX for an additional {$20.00}. I disagreed with that amount, so I contacted XXXX chat support. I have the transcript from that chat where I told them to just go ahead and charge my card for the {$20.00} and to make sure my account was closed. At that time I was assured that the ACCOUNT WAS CLOSED. From XXXX Chat Reference Number : XXXX " XXXX : XXXX, rest assured that you won't get charged in future on the account as the account has been cancelled. '' Approximately 1 year later I discovered that in XXXX of XXXX a third party company ( ENHANCED RECOVERY COMPANY ) had purchased a debt for {$190.00} and added it to my credit report. This was the first I had ever heard of this {$190.00}. I went back through old emails and discovered a bill from the CANCELLED XXXX account that was sent XX/XX/XXXX for {$190.00}. That was 2 months after my account was originally closed. And 1 month after the chat transcript proves that XXXX confirmed the account had been cancelled. I contacted all 3 credit bureaus and emailed them proof that I don't owe this money. However, it is still appearing on my XXXX report. Now I'm fighting to have a {$190.00} fraudulent charge from XXXX removed from credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: repeated phone calls from the same company. I hang up and they call right back. They do not leave a message with why they are calling.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Examined my credit profile and noticed this account not sure as to the nature of this but this account named as ENHANCED RECOVERY CO is not mine. Amounts totaling : Alleged Debt # {$740.00} ACCT # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: On or about 4 years ago, I called XXXX to buy a new phone. Immediately that phone started showing malfunctioning problems, so I contacted them to complaint. They sent me another one to replace it with another one according to a totally new XXXX and in excellent condition. However, that new phone came with problems as well as. I contacted XXXX I called several times, they made me remove the battery, turn it on again, and the " new '' XXXX XXXX XXXX. was worse than the one that came back to them.If going or incoming calls was impossible to hear the other party or vice-verse. My friends or other callers, told me that the call was heard cut off, and they did not understand me, so without other alternative they had to hung up the call or I had to do so. Most of the times the call was always dropped or the cell phone was frozen. While I had constant problems with that new cell phone, sold by XXXX, my son never had any problems, he bought his XXXX XXXX at the Mall. Therefore, my phone I bought 6 months later from XXXX, the difference between my sons cell phone was and stills in perfect condition. Having this situation I was forced to use a old non smart phone that I had bough in the past from XXXXXXXX in order to call my family and receive calls from friends, family and important calls. I trusted XXXX, I regret it, I should buy it at the Mall as my son did. Luckily, my son decided to buy a new phone two years ago, I decided to use his old XXXX XXXX, that he bought at the Mall. That is the phone I am using since 4 years ago, almost 5. While the cell phone sold by XXXX it only lasted two years and with a lot of bad functioning problems, my son 's cell phone that he bought at the Mall is in perfect condition after almost five years, that is the phone that I am currently using the XXXX XXXX XXXX phone. I offered XXXX to return that phone that they sold to me and that stopped working, they rejected, obviously, they know what they sold me, and at all costs they want to take my money for a cell phone that they sold me with malfunctions. I was paying for that cell phone, until it totally stopped working. My question is why we have to be victims of fraudulent sales, want to force us to pay for something that is garbage? I lost my job, I wouldn't mind paying it if they had sold me something in excellent condition, but it's not like that. It is fair that I have to pay for something that was sold to me, knowing that I told them I was presenting a malfunction and did nothing to remedy that situation. I have that cell phone stored for almost 4 years, because it has not worked since I sold it XXXX, again I offer to return that bad item they sold me. The law have to be impartial, and protect who needs help in cases of unfair actions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I looked on my XXXX XXXX app to check my credit and I see a debt collection for ENHANCED RECOVERY COMPAN for a XXXX account that Ive never owned I disputed it through XXXX XXXX but I still havent heard back from them I have had the same XXXX phone account with the same number for almost 6 years. I really would appreciate it if they remove this fraudulent debt from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Enhanced recovery company keeps contacting me about a XXXX debt that has exceeded it's statue of limitations. I last had XXXX cell phone service in XX/XX/2012 yet every year as current as XXXX XXXX enhanced recovery company updated once a brand new statement on my credit. By renewing it on my credit report it falsely makes the debt appears brand new rather than it's true age of almost XXXX years old.
Company Response:
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
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: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A