Date Received: 2019-10-22
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: It is for a total of XXXX, which was originally from an allegation in XXXX. It was sent to collections and was removed under and agency called, XXXX XXXX ( officially on my credit report XX/XX/XXXX ). Then they transferred this claim to another collection agency after it was removed, enhanced recovery company. It is the same state and city, just different P.O. Boxes. Then they fraudulently are making it seem it it from recent incident and dinged my credit XX/XX/XXXX. They have been saying I havent made payments every month and reporting, there is no monthly payments I agree to and this is not from this year. This is XXXX. Then I report it to XXXX who closed it in days and says this collection agency is right. How is that true when dates are not accurate nor is this monthly payment it is trying to falsify and affecting my credit every month. I am outraged how poorly this was handled. This should be taken off my credit report immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been exchanging letters with XXXX and enhances recovery company for about a year now. The last document they sent me was document signed by XXXX XXXX and a XXXX worker for a new service. My concern is how can you charge me when I did not sign any documentation or receive a XXXX phone. This is fraudulent and the charge was from XXXX but showed up on my credit report in XX/XX/XXXX. Please resolve this and remove ASAP as I do not owe them {$630.00} for an account I did not use.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ive been trying to get this loan off my report for years ... ... i have never even had a driver license in XXXX or id ... .so how can i lease a car. This company is completely fraud!!!!! Pls all them to show proof ... I'm not accepting the facts!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried on several different occasions to get this debt validated and nothing from this company I have for this account to be removed from my account because this company want send validation but they want remove it from my credit report so they need to do either or validate or remove it from my credit report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 71603
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: hi i dont know who is the creditor and i have this account on my profile show a balance of XXXX , ,i would like to request a validation from a third party collection agency .. i need proof of either own or were assigned the debt from the creditor. and i need a copy of original contract with my signature! please if would like to respond to : XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a call on XX/XX/XXXX from an agency calling themselves the Enhanced Resource Center ( DBA : ERC ) who subsequently identified their address as XXXX XXXX XXXX, XXXX, FL, XXXX regarding a disputed claim with the former XXXX - now XXXX. The disputed claim is over the return of equipment that XXXX failed to collect upon our termination of the service. XXXX wanted us to return the equipment rather than them pick it up. XXXX could not furnish a contract or any materials stating it was the customer 's responsibility to do so - nevertheless - they turned this contested issue over to ERC. Upon discussion with the ERC representative, they falsely claimed that {$130.00} of the {$170.00} in contention was due to an early termination fee. I asked the representative to give me proof of this early termination because I knew it to be untrue. The representative refused to do so and continued to attempt to strong-arm me into a payment. I asked for proof in writing that I was required to pay this fee and told them on a recorded line that if there was proof that I owed this money and agreed to such terms then I would be happy to pay it. They refused to supply such documentation. After the conclusion of this call I subsequently called XXXX/XXXX who confirmed there was no such early termination fee since we had been customeres from XX/XX/XXXX until recently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45322
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no knowledge of the following account Enhanced Recovery Company. Please investigate to ensure there is no fraudulent activity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX IS UNAVAILABLE TO ME ONLINE DUE TO A COMPUTER GLITCH OF THEIRS..IT WOULD BE GREAT IF THEY KNEW HOW TO GENERATE SECURITY QUESTIONS SO I COULD USE THE SERVICE. THERFOR I OFFER THE FOLLOWING COMPLAINT : CREDITOR XXXX COLLECTOR ENHANCED RECOVERY COMPANY HAS DEFRAUDED ME.I PAID XXXX DOLLARS UNDER A DURESS SETTLEMENT THAT I SHOULD HAVE PAID NOTHING. XXXX AT TIME OF SALE /SERVICE INTENTIONALLY WILLFULLY DEFRAUDED ME AND VIOLATED THE IMPLIED WARRANTIES LAWS OF CALIFORNIA . DUE TO THE UNDISCLOSED LACK OF CELL TOWER COVERAGE IN MY AREA XXXX SERVICE WAS DROPPED CALLS, INTERFERENCE, MISSED MESSAGES AND JUST GENERALLY FAILURE PRONE.SINCE XXXX KNEW THIS THEY SHOULD HAVE NEVER SOLD ME THE REASONABLE EXPECTATION OF ADEQUATE SERVICE. I WOULD LIKE THIS ERC ACCOUNT DELETED FROM ALL CREDIT BUREAUS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company purchased this account from XXXX XXXX and are reporting inaccurate information on my credit file. XXXX removed the inaccuracy from my credit file due to fraud and they were unable to validate the debt owed from XXXX. I am an identity thief victim and advised this to XXXX XXXX whom removed this invalid account from my credit file as I do not owe any balance to XXXX. The account is now being re-reported by Enhanced Recovery with inaccurate information ( date collection opened - XX/XX/XXXX ) - when XXXX XXXX had the account, they advised it was opened in XXXX. Additionally, Enhanced Recovery is reporting on a debt not owed by me regarding an account that was opened fraudulently. These tactics are a violation of the FCRA and must be removed from my credit file with each bureau due to validity, accuracy, and fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: After checking my report I found Inaccurate information about XXXX XXXX XXXX this account was entered in my bankruptcy in XXXX .please remove from files on my credit report.. Enhanced Recovery Company XX/XX/XXXX and the latest filing was XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A