Date Received: 2019-12-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Enhanced recovery erroneously created a 1-month debt collection on my XXXX credit report. I discovered this while applying for a home loan. They put on as a debt in XXXX and said it was paid in XXXX. Leaving on my XXXX Credit report. I am requesting that this company immediately delete this entry in my report. 6. ENHANCED RECOVERY CO XXXX XXXX XXXX ) Decode XXXX I XXXX XXXX XXXX CLOSED XXXX CURRENT XXXX XXXX XXXX XXXX XXXX XXXX Hist : XXXX XXXX CLSD XXXX APP Ctgy : COLLECTION Term : 1 MO ACCT SUBMITTED TO COLLECTION PAID 14. ENHANCED RECOVERY CO L ( XXXX ) ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: TX
Zip: 78229
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did not authorize this account, nor did I benefit from them. I spoke to the original creditors by phone and the info they submitted to me does not match the info that this collection agency is furnishing. This is a violation of FDCPA. Under 15 USC 1692 I can seek {$1000.00} per violation. I am giving this agency one chance to remove this unverified info from my credit reports or I will seek litigation.
Company Response:
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2019-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In 2013 I purchased a phone from XXXX. The information given to me by the salesperson in the corporate owned store was incorrect and fraudulent. Approximately one week later I returned the phone, unused, to the store. I explained to the employee and subsequently explained to the company what happened in writing. Since that time I moved and lost track of these writings, although I am still going through 6 year old papers trying to locate this information. XXXX reported the amount of approximately {$390.00} as a delinquency to all credit reporting companies. I wrote to all 3 companies and explained that this matter was in dispute. Three years later the statute of limitations in my home state of Delaware expired. Nevertheless, the credit reporting companies allowed Enhanced Recovery Company to continue to pursue this matter. I recently wrote to all three companies by certified mail, return receipt requested, and asked them to investigate this matter and remove it from my credit report. XXXX said they could not find any account in my name. XXXX informed me that the matter was being reported by ERC. ERC wrote to me recently stating they could not investigate the matter because they had no facts. When they first acquired this account the credit reporting agencies should have informed them that this matter was in dispute from the beginning. ERC requested a slew of information that would take considerable time and expertise which I, as a senior, at this time am not able to collect. These companies have continued to pursue a debt that is not legitimate and that should have disappeared three years ago from my credit report. These companies are out of control and wield undue power to destroy a person 's peace of mind. The three credit reporting companies should have shared the written dispute over this account with ERC and are primarily responsible. They should be required to maintain all correspondence with creditors such as myself and produce it rather than relying on an individual to resurrect it after many years. Is there any mechanism for holding them responsible for the time, energy, and aggravation caused by their failure to honor a consumer 's statement that a debt is illigitimate? Can they be held responsible in a meaningful way to prevent this from happening to others in the future? Can they be held responsible to me for punitive damages?
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2019-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-01
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 recently been informed that there is negative information reported by ENHANCED RECOVERY COMPAN Reported : XX/XX/2019 {$220.00} in the file you maintain under my Social Security number. No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. I challenge the accuracy, compliance and reportability of these listings. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This year I have disputed this account multiple times with this company including other companies that bought this alleged debt in a portfolio. This alleged debt was already proven that I'm not responsible for this debt so it was deleted. This company never sent me any information to dispute this debt which I've already made my attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX aware of the situation. I know my rights and I'm tired of being taken advantage of.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I show discrepancies on my credit report. Enhanced Recover '' XXXX '' XX/XX/2016 for {$1200.00} XXXX has account listed as " Charge OFF '' and XXXX has account listed ad " Collection ''.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The collector name is ERC. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I called their number and spoke to XXXX at XXXX and she said after trying to verify me by telling me the debt was incurred by someone living at an address that did not match mine where the attached dunning bill was sent, that I should file a police report of fraud which is what I am doing I think. Then go to XXXX to let them know this debt is not mine. Hope that is what I should be doing. I have a XXXX phone but it is in the name of my company and XXXX says we are totally up to date for payments. I have not had a personal XXXX account since XXXX and this supposedly was incurred in XXXX according to XXXX at ERC.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently complained about this same issue of XXXX XXXX trying to collect on a debt that is over 10 years old. Since the previous complaint ; they have now sold this account to Enhanced Recovery Company stating this is a new account. I have not opened an account with this company and this was removed prior because XXXX XXXX sent it to another recovery company. This should be illegal for them to continue to sell old debts to Collection agencies. This was removed off my credit report earlier this summer and now it is back on here again. It states that between XXXX XXXX, 2019 and XXXX XXXX a new account in collections was added to my credit report. I need this removed from all 3 credit bureaus due to this is an old debt over 10 years old.
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Company Response:
State: NJ
Zip: 08104
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A