Date Received: 2023-04-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I checked my emails and I found in my spam mail a collection notice from ERC a collection company out of XXXX Florida. Again XXXX XXXX is trying to use these third party collection agencies to collect the wrong amount. I never received any correspondence in the mail from XXXX XXXX in relation to any invoice that showed a balance due and or any merchandise received. This activity needs to cease from XXXX XXXX and they need to quit hiring these collection agencies to collect the wrong amount on a debt I assume no ownership or claim any responsibility for.
Company Response:
State: SD
Zip: 575XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX I paid my bill with Att off completely and CLOSED the account. I transferred all my devices to XXXX. XXXX had to unlock all my devices for me to switch them to XXXX network. On XXXX all my devices were activated on my XXXX account. My bill was paid to zero. If I didnt pay my bill owed they would not release my devices. They have now sent me to collection saying I owe them {$68.00} for my watch still being active on their services but it was not. Ive contacted XXXX back in XX/XX/2020 when they sent me a bill and told them that account was closed on XX/XX/2020 they said theyd fix it and apparently they never did. It is now on my credit report and I dont owe them nothing. The new creditor calls me all day harassing me. Ive told them I have proof and was willing to send it in. Theyre not trying to hear me. I need help getting this cleared up.
Company Response:
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Corp XXXX ERC was put on my credit report a few months back. I noticed it as soon as it posted because I was a victim of identity theft in the past and pay for credit monitoring. I immediately called the XXXX & XXXX whom I believe was the company who had someone sent the account to ERC. I verified with XXXX XXXX XXXX that the information they had for me was not what was given to create the account. I them called ERC and reported that information. I then had the credit bureaus investigate and they had the collection removed from my report. Now ERC is continuing to try and collect a debt that I did not create. They need to delete the record from their database as even the original creditor verified that it was fraudulent. Very Respectfully, XXXX XXXX
Company Response:
State: OR
Zip: 97305
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
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: This collection agency is violating by rights as per the FCRA, they continue to answer XXXX disputes INCORRECTLY. I can provide ALL of the supporting documentation if needed, as I have given this to XXXX and they continue to believe the collection company even though I am providing all the receipts and status of my collection! The intention of me reaching out to CFBP is for my collection to be ACCURATELY reported as PAID IN FULL and status as CLOSED. Here is the timeline : On XX/XX/XXXX, I paid a collection in FULL in the amount of {$1000.00} to ERC Collection ( ercbpo.com ). I logged in to ercbpo.com and verified that the collection is displaying " Paid in full '' and " Closed ''. On XX/XX/XXXX, The collection was updated in XXXX as Paid and status is Closed ( which is what I expected ). I checked my XXXX report and it was still displaying as status " Open '' and " Unpaid ''. XXXX Dispute Attempt # 1 - Dispute Date : XX/XX/XXXX I disputed ERC Collection as the incorrect amount and status. On XX/XX/XXXX, I received a response from XXXX stating that the account was " verified as accurate ''. Account is listed as " Open '' and " Unpaid '' which is INACCURATE. This dispute was completed on XX/XX/XXXX. XXXX Dispute Attempt # 2 - Dispute Date : XX/XX/XXXX I disputed ERC Collection as the incorrect amount and status, with RECEIPTS and PROOF showing that the collection in ERC is PAID and status is CLOSED. On XX/XX/XXXX, I received a response from XXXX stating that the " disputed information updated ''. Account is now listed as status " Open '' and " Paid '' which is INACCURATE. The account should be listed as PAID and status CLOSED just like it is in XXXX and in the erc portal itself. XXXX XXXX XXXX # XXXX - Dispute Date : XX/XX/XXXX On XX/XX/XXXX, I decided to CALL XXXX and ask them why the status is open when I sent them proof that it should be closed - directly from the debt collector. The agent said that the collection agency didnt update the status so we will need to file ANOTHER dispute. Via this call, I disputed ERC Collection as the incorrect amount and status, AGAIN with RECEIPTS and PROOF showing that the collection in ERC is PAID and status is CLOSED. I have yet to receive a response- the response should be done by XX/XX/XXXX. Attempt to contact XXXX via call - XX/XX/XXXX I called XXXX again - very frustrated asking them how long its going to take as I am trying to purchase a home and this information is incorrect. the representative told me that there is nothing they can do - that ERC has not responded to them yet on the dispute. The representative suggested that I call the collection agency. Attempt to call ERC # XXXX - XX/XX/XXXX I called ERC at XXXX. I went through their automated system, which was transferring me to a representative. As soon as that call went through, the representative hung up the call so I had to dial again. Attempt to call ERC # XXXX - XX/XX/XXXX I called ERC at XXXX. I went through their automated system, which was transferring me to a representative. As soon as that call went through, the representative hung up the call so I had to dial again. Attempt to call ERC # XXXX - XX/XX/XXXX I called ERC at XXXX. I went through their automated system, which was transferring me to a representative. As soon as that call went through, FINALLY the representative answered and as soon as I told him its about a dispute, he routed me to the SAME automated system where I was hung up on. Attempt to EMAIL ERC # XXXX - XX/XX/XXXX I emailed ERC explaining the same issue I am explaining here and they responded with " we can not delete an account from your credit '' - which I AM NOT ASKING THEM TO DO THAT, I AM ASKING THEM TO UPDATE THE STATUS. We went back and forth a few times, I told them that I have tried calling them NUMEROUS times, in which XXXX XXXX ( the manager ) gave me a new number : XXXX. Attempt to CALL ERC # XXXX, # XXXX, # XXXX, # XXXX - XX/XX/XXXX I called the number : XXXX. The phone would ring XXXX then be sent to voicemail, which I left a voice message. Attempt to EMAIL ERC # XXXX - XX/XX/XXXX I emailed ERC again letting them know that I only get sent to voice message in which they responded again that I need to call. I have not received a call back from them nor have I been able to talk to someone as they are asking me to do. I need this fixed on my credit, please help!
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I was contacted yesterday by " XXXX '' at XXXX XXXX. EST. I had just filed my taxes and was dealing with a new auto loan so I was expecting calls. When I answered the phone, she said it was being recorded. I asked who this was, and she kept repeating the question of " Is this so and so '', my full name. I refused to answer and I kept asking who is this? until she finally answered something like " I work for ERC ''. I did a quick XXXX XXXX and ERC shows up as an IRS ( government ), therefore I confirmed the zip code and city of the address she was providing. They probably do this on purpose. Only after consistently trying to hide who she was and why she was calling, did she reveal she was a debt collector. She recorded my address and requested information without letting me know who she really was. On top of that, this is a very old " debt '', that is not actually a debt. I do not owe them money and I refuse to have anything to do with that company. I have documents proving this but I am hesitant to go to court over XXXX dollars. XXXX ruined my business. Their technicians even gave me their personal numbers so I didn't have to deal with them because of how horrific they treated me. I cancelled my plan and their incompetence led to a false balance. I overpaid for services I did not receive and their lack of service led to the destruction of my business. I have no issues/debts with anyone else. I will never send XXXX a dim. They should reimburse me for the THOUSANDS they lost me. According to FTC 807. False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Company Response:
State: TN
Zip: 37923
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid ott the debt collection for XXXX from Enhanced Recovery please update the status
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX # XXXX ( XXXX ) {$670.00} Enhanced Recovery # XXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} Enhanced Recovery # XXXX ( XXXX, XX/XX/XXXX ) {$97.00} Enhanced Recovery # XXXX ( XXXX, XXXX ) {$64.00} XXXX XXXX # XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.
Company Response:
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: THE COMPANY IS ATTEMPTING TO COLLECT DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION ON TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: ERC Collections keeps calling my cell phone. I want their communication to stop unless it's written communication. I have never received anything in the mail from this agency.
Company Response:
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Enhanced Recovery Company , LLC, for committing identity theft. I have never given Enhanced Recovery Company , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Enhanced Recovery Company , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX/XXXX/23, I have not received any documentary evidence, such as a trilateral contract, giving Enhanced Recovery Company , LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from Enhanced Recovery Company , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Enhanced Recovery Company , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Enhanced Recovery Company , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Enhanced Recovery Company , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Enhanced Recovery Company , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A