Date Received: 2019-11-13
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: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced Recovery Collection/ XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. Enhanced Recovery Collection/ XXXX XXXX did not send me any notifications or my 30 day right to dispute letter. Enhanced Recovery Collection/ XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed it.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company ERC has repeatedly violated my rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial and XXXX XXXX. For starters, they're reporting erroneous & unverifiable collection account to all credit bureaus in which I've asked for proof of claim and they continue to send me bills. This negative was deleted off of my credit report last year and it reappeared this XX/XX/2019. I am aware of the many complaints against this company thus far and yet they're still in business.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
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: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have no idea who ENHANCED RECOVERY COMPANY is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. ENHANCED RECOVERY COMPANY is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. Enhanced Recovery did not provide any information regarding this account when I requested information from the. via certified mail XXXX XXXX XXXX XXXX XXXX. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ENHANCED RECOVERY COMPANY as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ ENHANCED RECOVERY COMPANY } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to ENHANCED RECOVERY COMPANY, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and submitted documentation to XXXX about account ENHANCED RECOVERY CO XXXX {$0.00}. The account was blocked and removed from my credit file only to report again with a remark " Account information disputed by consumer, meets FCRA requirements ''. Enhanced Recovery Co or XXXX has not provided the documents and other evidence to disregard my identity theft report. If Enhanced Recovery Co can not provide original documentation of when where and how this account was opened. This account should be removed immediately. If account has not been removed from my credit file I will sue both XXXX & Enhanced Recovery Co in small claims court for FCRA violations and punitive damage. I demand that XXXX & Enhanced Recovery Co send all documentation they used to verify account XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is my second complaint to regarding this collection account. I do not owe XXXX/XXXX {$890.00}. I called ERC with the orginal creditor XXXX/XXXX XXXX last week. The representative also stated that I do not owe that amount. The rep my wife spoke with at ERC refused to remove account from my credit report even though he was told the information ERC was furnishing was incorrect. At this point you all are intentionally not only trying to collect a debt that I do not owe, but you are also knowingly reporting inaccurate information to all 3 of my credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
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: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Enhance Recovery continues to furnish negative tradelines on credit file. Requested validation of signature and contest to contract. During time of tradeline, I was XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company ( Enhanced Recovery Co ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A