Date Received: 2019-12-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX and Enhanced Recovery. I was a XXXX customer for years while living in XXXX. In XXXX, I moved to XXXX and the phone service basically did not work. For 6 months I complained to the company about the dropped calls and no service and there was nothing they did. I kept asking to be let out of the contract so I can get a different phone company because their service did not work well or sometime NOT AT ALL in XXXX at that time. XXXX breached the contract because they did not provide the service I was paying for. I stopped paying for the service because I was not getting any service. They should not be able to charge me for service they could not provide. I was not going to continue to pay for service that I was not receiving. This was in XXXX and this year, their collection agency re-put this on my credit. XXXX would not remove this from my report. This is not fair that a company can keep putting a claim on my account when they are the cause of the cost.
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: JUDICIAL NOTICE IS HEREBY GIVEN : Your office has listed a debt on my credit reports you claim I owe. Which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I know I dont owe, and to demand that you validate it by providing the documentation and information requested below. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Accordingly, please provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification and or copy of any judgment ( if applicable ) ; 4. copy of and or proof that you are licensed to collect debts in PENNSYLVANIA and or NEW JERSEY ; 5. proof of the last payment made on the account. 6. Itemized statement of charges. 7. Original contract between creditor and XXXX XXXX of the family XXXX correct wet ink signature. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt. Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws. Thank you for your cooperation,
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery is reporting money is owed ( over {$1000.00} ) on an account that the original creditor ( XXXX ) can not verify belongs to me. I have been back and forth with them and original company to no avail. This account must be deleted from my credit report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted Enhanced Recovery Systems for XXXX XXXX and XXXX XXXX XXXX for XXXX XXXX. regarding these fraudulent accounts and they have yet to respond or block these accounts from my credit report. These accounts are not mine I have the identity theft report to support this claim. I am also a victim of the XXXX data breach, and I am handling that situation as well.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC ( Enhanced Recovery Company , LLC ) is attempting to collect a debt in the amount of {$1200.00} ( Ref. Number XXXX ) from me for the creditor of XXXX XXXX. I never spent or made any purchases in this amount through either the bank or through XXXX. I have called XXXX and confirmed that there was never a charge in this amount on my account. They called me at my employer and I told them I thought they were a scam and wanted more detailed information. They now sent me a letter in the mail for a collection notice.
Company Response:
State: WI
Zip: 53151
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: not my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2019-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Yes this collection company keep putting derogatory credit on my report for XXXX. I never had of XXXX account and they know this. I have for proof of identification use to open this account and ask XXXX to investigate and they havent did anything. But said this debt will stay on my credit. They need remove this from my credit with out proof who did this and block collection company for putting anything on my credit report. I will seeking attorney to sue XXXX and this collection company. I have credit monitoring on my credit and it seems not to be working or they just dont care. I just received of sellment check just for this same thing. And see they are back at it again not protecting my information and allowing collection company do whatever they want without proof of person owe if debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have no legal binding accounts with this company nor debt with account stating in XXXX
Company Response:
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2019-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: in 2017 I paid directly the merchant XXXX XXXX XXXX a balance due off {$100.00} a which point closing the account with this merchant. Nevertheless to my big surprise I see a collection listing on my credit report from an agency called " ERC '' claiming the paid balance of {$100.00} on XXXX XXXX XXXX 's behave. At which point I contacted them with the proof ( receipt ) that this account was paid to XXXX XXXX XXXX and asking them to remove their reporting from my credit report. But to this point their still refuse to do so. I filed investigation request transunion and the inaccurate information have not been deleted. Therefore deliberately hurting my credit profile.
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2019-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX XXXX XXXX said they would delete derogatory now it's on my account different company
Company Response:
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A