Date Received: 2020-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2019 I disputed an account reported by XXXX XXXX ( Original Lender XXXX At XXXX XXXX ) in the file maintained under my Social Security number. I was informed on XX/XX/2019 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Enhanced Recovery Company. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, I have been receiving weekly calls from a debt collection agency ( ERC ) regarding a debt owed by my ex-wife. I do not know what the debt is, or how much, yet they somehow have my phone number on file and continually call me asking for her. I have spoken with agents at the company multiple times, yet this keeps occurring. I also block the phone number used to contact me, yet they are still able to get through using a different number. This seems like pretty shady tactics to me. The most recent call took place at XXXX Thursday, XX/XX/20. The phone number used was ( XXXX ) XXXX. I will list other numbers they have used recently below : ( XXXX ) XXXX ( XXXX ) XXXX Please help to resolve this issue - I in no way am responsible for this yet I keep getting harassed. And on a personal note, Im glad someone brings up my divorce on a weekly basis I so I can relive all of that again - not only is this bad business practice but frankly it is disrespectful and insulting that this business is choosing not to respect me and my time or personal life experiences. Thank You, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98126
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX reported to the credit bureaus that they provided unspecified service to me for {$550.00} and that I failed to pay them back. I disputed their contention with the credit bureaus, which in turn informed XXXX XXXX that the reporting was challenged as identity theft. XXXX XXXX could not provide document to support and verify their reporting and as a result, the Credit Bureaus removed the incorrect information from my file. Today, XXXX XXXX has repackaged their alleged debt or otherwise sold it to Enhanced Recovery Collection and reports it again to the Credit Bureaus, in violation of federal law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This claim was closed by XXXX XXXX XXXX along with XXXX -- CFPB claim XXXX. There is no owed debt. XXXX XXXX XXXX is not processing and acknowledges that the debt is not owed. Neither party could provide the XXXX XXXX for the phone in question which was never used and returned to XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31021
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is about Enhanced Recovery ( XXXX {$1800.00} ) Hi this debt was removed off my credit report, it was a mistake by the XXXX / XXXX cable company. They removed it and deleted it from my credit file. they also gave me an apology. this collection company purchased my info from somewhere and trying to collect a debt that I don't owe. XXXX spoke with me by phone and told me I have XXXX debt with them. please remove this again off my report.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2019-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This collection was paid. To Enhanced Recovery CO L. There was also communication indicating this would be removed from my credit report once paid in full. I paid the debt. However, ENHANCED Recovery CO L continues to report this derogatory information on my XXXX Credit report. This company agreed it would no longer be reported if paid off, which I did. But, they refuse to take information off my report. Please assist. Amount owed shows as XXXX dollars. XXXX XXXX XX/XX/2018. Lastly, I have reached out to this company repeatedly with no response after paying them.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2019-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company ERC keep putting collections on my credit report. I have disputed this several times resulting in the items being removed from my credit report only to appear again later making my credit score take a major hit each time. I have sent letters in the past to the 3 credit bureaus and ERC.
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2019-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A