Date Received: 2019-11-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent them a debt validation letter in which they have not responded. They are continuously reporting this account in my credit files without proper debt validation. They have also not provided any original debt with my signature.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently saw this debit on my report Enhanced Recovery for XXXX that was opened on XX/XX/17. I have been with XXXX XXXX for about 3ys not XXXX. I need to know what address is associated with this account?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that THE FOLLOWING ACCOUNT IS NOT MINE : ENHANCED RECOVERY CO. # XXXX, demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43223
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX a debt from Enchanced Recovery Soultions or Company appeared on my credit report for XXXX XXXX XXXX XXXX whatever that is, I do know I do not or have not had XXXX XXXX, it had no dates or identifying info ... but I have lived in the state I am in now for seven years and they company we use is NOT XXXX XXXX So I don't know if this is for a different person or an old debt for someone eles but it's not mine and their mistake has had severe effects on my credit. It says opened XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$630.00} {$630.00} Payment Info Original loan amount {$630.00} Balance {$630.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX please remove this immediately and do not place false invalid debts on my report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had become mentally ill and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in XXXX XXXX and I use all my credit cards to survive. I was homeless and XXXX for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. please remove off credit report. This debt is from when I was sick
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2019 I contacted collection agency ERC to ask them to validate the debt they kept reporting. I have given this collection agency way past 30 days to respond and provide me with the information or proof that the account was mine. They have yet to validate this information to me. I also have the attachment of where I sent and asked this collection agency for proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Checked my credit report and see an outstanding bill for {$610.00}. Also, never have done business with Enhanced Recovery Company XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: First, let me give background. I am unsure of the debt and why there is an attempt to collect. I previously received information from XXXX XXXX XXXX, who provided the attached letter about the inability to validate. I want the initial communication from ERC, required under 809 ( a ) of the Fair Debt Collection Practices Act, to dispute the debt and request validation of this supposed, as a previous collection agency tried to do so and had to send that letter. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute, not from whatever day ERC claims to have mailed it. I have not received the information, regardless of when it was mailed out, and it is on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please see attached for entire letter of fraud and fault by this collection company Thank You XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ERC ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX Toll Free : ( XXXX ) XXXX Tel : ( XXXX ) XXXX XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : I AM RESPONDING TO A COLLECTIONS ACCOUNT ON MY 3 CREDIT REPORTS. This letter is regarding a negative inaccurate account which you claim I owe your company {$280.00}. I have never entered into any payment obligation with ERC ( ENHANCED RECOVERY SYSTEMS ). The negative remark is not coming from XXXX XXXX XXXX/XXXX XXXX, but from your company. I also have no contractual obligation to ERC either. The original charge off from XXXX XXXX XXXX/XXXX XXXX, was never validated and was removed from my credit reports in XXXX as being inaccurately reported. HERE ARE THE INNACURATE AND FRAUDULENT CLAIMNS YOU HAVE MADE ABOUT ME TO THE 3 BUREUAS THAT I AM NOW REPORTING TO THE FTC, CFPB AND XXXX, XXXX AND XXXX : The date or the charge off was XXXX over 10 years ago making the original debt even if it was mine too old to report. This debt is too old and far past the statue of limitations in California to attempt to legally collect on. I have noticed you are claiming that I am in collections with you for 2 years? This is impossible as I was never mailed any info claiming this. The debt was too old even 2 years ago to have an active open collections on me I never entered into any payment, business or contractual agreement with your company You are a 3rd party debt collector, who purchased an invalid debt that was already named inaccurate by all three bureaus and previously removed from my reports. You have sent false, fraudulent statements to the bureaus and are back dating these claims for 2 years that is 48 months with 3-5 reporting errors I am now owed compensation for in accordance with the laws regulating companies like yours. The FTC, FCRA and FDCPA along with the CFPB are receiving copy of this. This is a formal notice that your erroneous claim IS now disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please provide me with the following : 1. PROOF OF PAYMENT AGREEMENT I MADE WITH YOU ERC NOT XXXX/XXXX XXXX which I have no knowledge of anyways. I want a wet ink signature between myself and your company proving I owe YOU this or any debt you have in my name. 2. What the money you say I owe is for? 3. Explain and show me how you calculated what you say I owe? 4. Provide me with copies of any papers that show I agreed to pay what you say I owe : 5. Provide a verification or copy of any judgment if applicable : 6. Identify the original creditor : 7. Prove the statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with you license numbers and Registered Agent 10. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you 11. Provide Me The names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof TO ME. 12. Provide the documented proof that you ever gave me notice of the charge off per FCRA LAW 623 ( A ) ( 4 ), 13. Provide the actual charge off date and as stated you must in FCRA LAW 623 ( A ) ( 5 ) A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action 14. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature? Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My Contact Info is as follows : XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The original creditor which is XXXX has placed this on my credit report 2years ago with a collection agency called XXXX, XXXX in XXXX I disputed the account it was investigated and removed from my reports, now XXXX it is back on my report by another collection agency by the name of Enchanced Recovery collections. If this was investigated and removed from my reports they should not be able to see it and placed on my account again this is causing a real hardship in my life. It is very stressful and it causes so much stress in people lives to have to keep dealing with this kind of head ache. I have never received any documentation from XXXX or enchanced recovery. But I do have proof that it was on my account in XXXX and did not show up on my XXXX credit report again until now XXXX. XXXX. Please have this removed off my reports immediately. I will also be filing a report with theXXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32304
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A