Date Received: 2019-11-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I DID NOT RECEIVE Notice from ENHANCED RECOVERY COMPAN ( i.e. the Debt Collection Agency ) of my Statutory Right to dispute this so-called XXXX XXXX XXXX XXXX debt of {$1.00}, XXXX. Had I RECEIVED Notice, I would have informed ENHANCED RECOVERY COMPAN, that it was attempting to collect a Debt that I NEVER OWED in the first place because I HAD CLOSED the XXXX XXXX XXXX Wireless phone service account due to malfunctioning in XXXX XXXX XXXX provision of service to me. Further, I would have informed ENHANCED RECOVERY COMPAN that the Consumer Financial Protection Bureau had vindicated me by ORDERING the REMOVAL from my CREDIT REPORT of the same XXXX XXXX XXXX XXXX debt of {$1200.00} in TWO SEPARATELY FILED CFPB Complaints that I had filed in XXXX & XXXX against two Debt Collection Agencies who had acquired this same so-called XXXX XXXX XXXX XXXX debt of {$1200.00} that ENHANCED RECOVERY COMPAN is now ILLEGALLY attempting to collect. Although I can not readily recall the Reference Numbers of my TWO previously filed CFPB Complaints, these my previously VINDICATED Complaints in XXXX and XXXX are a MATTER OF PUBLIC RECORD.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
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: ENHANCED RECOVERY CO L Is a collections agency that has been alleging that a bill from XXXX XXXX XXXX XXXX with a balance of {$520.00} is mine and it is not. I have disputed it multiple times with them as it was an account that belonged to my mother, with the same name and address. I have explained that to them in the past and submitted billing statements from XXXX XXXX XXXX showing that the bills belonged to my mother and that she actually did pay off the remaining balance, but the company continues to place me in collections which negatively impacts my credit. This is unlawful because they continue to place the wrong person in collections for their financial gain.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX, 2017 my identity was stolen and accounts were opened in my name for XXXX XXXX XXXX, XXXX and XXXX. I filed all the necessary paperwork ( Police Report, ID Theft Affidavit, ID Theft Report ), had all the accounts removed from my credit report, froze my credit and contacted XXXX XXXX XXXX, XXXX and XXXX to inform them of the identity theft. I then filled out multiple pages of paperwork with each creditor to prove the identity theft. Despite all these efforts, XXXX XXXX XXXX and XXXX continue to sell this debt to collection agencies, who then call me. Even worse, these fraudulent accounts keeps reappearing on my credit report, negatively impacting my credit scores.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe this debt to this company. I was only made aware when it showed up on my credit report. The company could not show proof that the debt is mine. I have no knowledge of this debt and have never had any dealing with this company. The company couldnt provide the debt {$500.00} details. I refused to give out my personal information to them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2019, I was contacted by Enhanced Recovery Company regarding a debt from XXXX of {$740.00}. I asked the representative to provide me with an address that service was established and an account number.The representative could not provide me with this information. I informed the representative that this was not my debt and questioned how can they report something on my credit file that they do not have all the information about. She instructed me to go to XXXX ID Theft and fill out a fraud affidavit, on such affidavit, it requests information like, an account number and proof of residency during the time the account was established. I contacted ERC again, to inform them that I couldn't successfully fill out an affidavit without that information and they told me that i had to pay the debt even if its not mines to get this removed off my credit file. I did send a request that they validate this debt as mines and provide me with relevant information and have not received any information from the company to support my request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is yet another complaint about the repeated efforts of ERC/XXXX to collect an alleged which I contend that I DO NOT OWN OR THAT WAS AUTHORIZED BY ME. My original complaint was filed on XX/XX/2018. The complaint # is XXXX. I have and will continue to contend that this account was not opened or authorized by me and take great offense that ERC is once again contacting me with language indicating that they have been authorized to report the account to the national credit bureaus thus damaging my credit further. I am already been actively fighting to resolve issues from multiple breeches of my personal info. I am again disputing this alleged debt and demand that ERC cease collections. ERC has violated my rights under the FDCPA last year by reporting a debt to the credit bureaus that I had actively disputed. I should have filed a class action lawsuit then but backed off when ERC removed the entries from my credit report. This time reporting of this disputed alleged debt to the credit bureaus will most definitely result in a lawsuit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I was told that I owe the amount of account and could be sued if debt wasn't paid. I didn't owe the amount stated on my credit report. Account information is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30120
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Enhanced Recovery is reporting inaccurately on my credit report for one they are collecting and report a DUPLICATED debt on my report ... They are also in violation of the bankruptcy automatic stay as the debts were included in a discharged bankruptcy yet they are still reporting balances and updating monthly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company ( Enhanced Recovery Company ) 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.
Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXXXXXX ).
1. Validation of the debt ( i.e. the actual accounting showing
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been telling this company for years they billed me after service was discontinued and they keeoo Pk putting on my report over and over
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A