Date Received: 2019-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt is not mine I demand it off my credit if not we will put a Cease Order to remove it out of my credit report. This is not mine. Someone use my identity and did not paid if its not off my credit I will sue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79904
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2019, I exercised my right and questioned the validity of a debt that Enhanced Recovery is reporting negatively on my credit bureau. I have obtained proof that Enhanced Recovery received my request on XX/XX/2019 at XXXX XXXX. I have attached both copies in my complaint. Today is XX/XX/2019, and Enhanced Recovery has not responded to my request for proper verification for debt. Enhanced Recovery had 30 calendar days to respond, from the date of receipt, and because they have not sent any verification are currently in violation of the FCRA. Due to Enhanced Recovery being in violation of the law, I am not insisting that they remove the negative information that they are currently reporting on my credit bureau immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt recovery co. Enhanced Recovery filed false claim, I spoke with co. they claimed I owe and that co. has no unpaid bills under my name plus I never lived at address they have on file. I filed a complaint last year with your guys about same acct against XXXX XXXX, both of these co 's have multiple complaints from consumers about these co 's filing false claims under fake accts to extort payments. They claim I owe {$440.00} and sent negative report to my credit report on XX/XX/19 and XX/XX/19.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I called the debt collector and asked them to send me a bill so that I can pay off the debt. They asked if it was okay to call me on the number that I was calling from ... and I said, " no. '' Before their bill arrived in the mail, they called to harass me about the debt. They called my cellphone - on the number that I had explicitly told them not to call.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
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: 29210
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
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: 29210
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
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 been repairing my credit for the last few months while XXXX, XXXX have removed these items from my credit XXXX kicks back a message that the validated the information.its not feeling along with research that has been done that XXXX hadnt completed a thorough investigation into my complaints and Im begging for an intervention at this point
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I sent a Debt Validation letter to Enhanced Recovery Co in regards to an unverified account in the amount of {$190.00} that appeared on my Credit Report on XX/XX/19 and they responded with a bill and that is it! On this bill also it shows an address in Louisiana and I have never even lived in Louisiana at all there is no way that this is my account. Plus a bill is not validation that I owe this debt it is just a bill for an account that was in my name and I have absolutely no knowledge of this account at all. I reached out to them after the bill was sent to me letting them know that this was not my account and did not hear anything else back from them which is ridiculous! I have to file this complaint because they have been ignoring me since they sent the bill to me as validation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have already contacted the original owner of this debt ( XXXX XXXX ) they had no record of the debt on my account. After I contacted them, this debt was previously removed under the last collection agency that owned it. It has now appeared back on my credit report. This debt is not mine. Please remove the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-05
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 submitted a dispute for an account listed on my credit that is being reported inaccurately. ERC came back reporting that the dispute was closed and the account verified. ERC is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as ERC is a debt collector. I dispute the date the account was sold to ERC. I am requesting proof that ERC purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with ERC. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that ERC is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for each FDCPA violation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2019-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A