Date Received: 2019-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Company is trying to collect a debt from me for XXXX XXXX {$940.00} and XXXX XXXX XXXX {$760.00} I have never used anyone of these services in my life. The only services I have ever used was XXXX XXXX, XXXX XXXX ( XXXX until XXXX ), XXXX XXXX ( XXXX to present ). This is the first I have heard of this I haven't received any bills from XXXX XXXX or XXXX XXXX XXXX on this matter. The only reason I discovered this debt I open up my account on XXXX XXXX and seen XXXX XXXX and XXXX XXXX XXXX in collection. If you check my credit report I only have one account open on my credit report because all my life I paid for everything in cash. I am pretty sure it was identity theft but this need to be cleared off my credit report and pursue who ever done this or I would be force to file a civil lawsuit on Enhanced Recovery Company for harassing me on a debt isn't mines.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account has been paid off in full information is not correct I have returned the equipment and made payment in full this information needs to be updated should not be showing delinquent on my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX has me in collections with Enhanced Recovery for equipment and I have my receipt showing I have turned in all equipment. XXXX {$720.00} enhanced recovery company This is on my credit report and it needs to be deleted, paid debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was contacted about debt owed to XXXX by ERC for XXXX. I have never had an account with XXXX or any XXXX-affiliated company. This account was said to have been opened sometime in XXXX or XXXX of 2019. I have sent in a dispute of the debt to ERC and pursued disputes with the credit bureaus. One of the bureaus came back with this as a valid debt, but this is definitely not. This is an account opened due to identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43085
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled my debt and received a letter from the bank who I owed the debt to. The letter dated XX/XX/2019 shows settled in full. However, I continue to receive debt collection notices from ERC. I called and advised them my debt was paid in XX/XX/2019 and yet received another attempt to collect this debt notice XX/XX/2019. I emailed the company XX/XX/2019 again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a XXXX bill that I disputed quite a while back. I left XXXX sometime in XXXX after my divorce. They tried to bill me telling me that my contract " automatically renewed '' but I did NOT renew and had switched to XXXX XXXX XXXX. I fought the bill and they took it off my report. I thought this issue was settled but a few months ago saw it on my credit report again. I disputed the bill and had a phone call with someone and they said that my contract extended automatically but said my account was stopped in spring of XXXX. I got in XXXX XXXX and the bills say that it was recently opened in XXXX XXXX. I called XXXX and they don't even have a record for the bill but this collection agency is fraudulently trying to stick me with a bill I do not owe. Now, it says the debt won't fall off my credit report until XXXX. This has to be fraud! Copy of XXXX XXXX post : ENHANCED RECOVERY COMPAN Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX creditor XXXX OpenedXX/XX/XXXX( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53140
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ENHANCED RECOVERY COMPANANY HAS A COLLECTIONS ON MY CREDIT THAT IS NOT MINE
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
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: There is this account on my XXXX credit report that I do not recognize, the account is showing that it is in collections, I have never had an account with this company called ENHANCED RECOVERY COMPANY, there is no phone number being reported and it says that the account was opened in XX/XX/2018, I have disputed this account with XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I want this company to provide me with the original contract that has my signature on it that proves that I opened this account and also to provide me with any type of agreement between me and this company that says I have an obligation to pay them. The FCRA says that a creditor must provide the consumer with original documentation bearing the signature that validates the account. I want the original contract bearing my signature, and if the original contract bearing my signature cant be provided I want this collection deleted from any of the credit reporting agencies that is being reported to. I wont accept any copies of statements or an itemized piece of paper for validation of this account because that is not enough to validate it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX/mo for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number. At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX. On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required 620. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that Enhanced Recovery had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score XXXX points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a Collection Notice from a different collection company regarding XXXX XXXX XXXX XXXX, account # XXXX in the amount of {$220.00}, reference # XXXX. I disputed the notice and the collection was removed from my account. The collection company has transferred the collection account to ERC and now I have a new letter stating I owe them for XXXX XXXX XXXX collection. I do not owe anyting ; I have never done business with XXXX XXXX. I wish to have this problem corrected and stop receiving threatening letters from. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A