Date Received: 2019-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I dont have the exact date, but I did spoke with someone and they stated that since it was over 90 days since the account was closed it was nothing that they could do since it was turned over to the creditors. The account been was suppose to be in my sister name but they didnt changed it on there end. So when she went in XXXX of 2018 instead of her paying the bill she had gotten another phone. So they just had closed the other account. I didnt know until I received a collection letter in the mail stating I owed them and that's when they told me it was nothing they could of done since they never had put it I her name and that it was already closed. The amount is {$430.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had a open account with XXXX that was fraudulently opened by someone. I submitted the XXXX fraud packet and have not had a response from XXXX. I did not approve the account to be opened and I was charged with an account in my name that I did not open or approve of. I asked that this account be investigated and that it be erased from my record. I did not approve of this account nor did I know that it was open and that is unfair to me and my identity, I have not received a response from XXXX or the erc collection agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have disputed this item on my credit report and won several times. But Enhanced Recovery Company keeps reporting it each time with a newer account opened date. Currently it is XX/XX/XXXX. I have called XXXX, the original credito, r and they gave me an account number. They said it was closed in XX/XX/XXXX, this was the year of my divorce so I assume it was opened by my ex-wife fraudulently. XXXX will not verify any other account info because my info does not match what they have on file. Either way, an eight year debt is too old to show up on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78526
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX, 2019, I received notification via identification/credit monitoring agency of a derogatory item on my XXXX credit report. Upon review of my XXXX credit report, I noticed a report of collection by " XXXX XXXX XXXX XXXX '' ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone ( XXXX ) XXXX ) for the sum of {$130.00}. The original creditor was listed as " XXXX XXXX. '' ( Original CR entry attached. ) On XX/XX/2019, I filed a dispute with XXXX indicating that this is NOT my account. On XX/XX/2019, XXXX issued a letter stating : " After reviewing your dispute, we found the information you disputed does not currently appear on your XXXX credit report. '' Apparently, XXXX XXXX XXXX XXXX had withdrawn their reporting. On XX/XX/2019, I received another notification of another derogatory item on my XXXX credit report. Upon review, I noticed that this was for the same {$130.00} to XXXX XXXX. This time, however, the account was reported by " Enhanced Recovery Co. '' ( XXXX XXXX XXXX, XXXX, FL XXXX and/or XXXX XXXX XXXX, XXXX, FL XXXX. Phone ( XXXX ) XXXX ). It appears that in anticipation of a pending nullification of the account in question, XXXX XXXX XXXX may have sold the disputed account to Enhanced Recovery Co. This seems like an unethical business practice. No honor among thieves, though, I guess. My issues are, first, this is NOT my account. Secondly, how can this account ever be properly addressed if every time it's disputed, it gets sold to another collection company? And finally, how can a collection ever " time out '' if these collection companies keep bouncing them back and forth, resetting the clock. It was sheer luck that I noticed this. Thanks to " XXXX '' for the heads up. I never received any notice from XXXX XXXX XXXX or Enhanced Recovery Co! Without monitoring, this may have followed me forever! And it's not even mine! This seems like fraud to me!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 263XX
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a negative annotation on my credit file/report at the credit bureaus from the collections agency listed as Enhanced Recovery Co, despite not owing this debt. I have contacted this company explaining to the person I spoke with that this debt is not mine, and it is a result of identity theft. I also told this person that I never opened an account with or did business with the company that I am supposed to owe. The drop off date for this debt on my credit file is listed as XX/XX/XXXX, which indicates that I either opened an account or had been delinquent for the account in question in XX/XX/XXXX. I have never had any service from XXXX XXXX, and despite my informing the mentioned Enhanced Recovery Co of all the above statements, with emphasis that this is an account opened fraudulently, I was totally ignored and was told to simply pay the amount of {$520.00}. Not only is company Enhanced Recovery Co disregarding my plea for attention to this matter, they are directly contributing to my being victimized, by asking me to pay this amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They constantly call and when I answer the phone theyll hang up. Im sick of the harassment and if they call me Id like for them to actually say something instead of calling up to 5 times a day. I have blocked the numbers they call on then theyll use a new number. The company is ERC. I *think* the debt is with XXXX XXXX who opened accounts for me without my permission resulting in hundreds of dollars worth of fees Im never going to pay.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94559
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A few months ago two ghost debts appeared on my credit report from Enhanced Recovery Collection. The first debt on my XXXX Report ( Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by " ERC ''. This same debt is being reported on my XXXX report ( Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by Enhanced Recovery Co L. The second debt is being reported on my XXXX report ( Acct : XXXX, Open XX/XX/XXXX, ERC, XXXX XXXX ) and on my XXXX report ( Acct XXXX for XXXX XXXX ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above-named company is reporting inaccurate credit information. Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : { {$1600.00} and XXXX, respectively } dollars on the above-mentioned dates. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. the above named company reports on my XXXX report that Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by " ERC ''. This same debt is being reported on my XXXX report ( Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by Enhanced Recovery Co L. ). Both reports indicate an open date of XX/XX/XXXX, which is consistent with incorrect and false reporting of information. I have no knowledge of this account, but absolutely did not open an account with XXXX or Enhanced Recovery on or about this date. This is reporting a false date in an attempt to reset the statute of limitations. I demand strict written proof of confirmation of opening this account on this date. Further, The second debt is being reported on my XXXX report ( Acct : XXXX, Open XX/XX/XXXX, ERC, XXXX XXXX ) and on my XXXX report ( Acct XXXX for XXXX XXXX ). Both reports indicate an open date of XX/XX/XXXX, which is consistent with incorrect and false reporting of information. I have no knowledge of this account but absolutely did not open an account with XXXX or Enhanced Recovery on or about this date. This is reporting a false date in an attempt to reset the statute of limitations. I demand strict written proof of confirmation of opening this account on this date. 3. The above-named company reports statuses as open then also report as In collections. Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 4. above named company reports two different inaccurate remarks on credit report : a ) that day the debt was opened ; 2 ) that I amount owed. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 5. the above-named company was not the initial company who I allegedly did business with ; 6. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially, the inaccurate information states that I did business with XXXX/XXXX XXXX XXXX and not Enhanced Recovery. 7. The above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent. I have attempted to dispute these accounts with both XXXX and XXXX and the company and as of this date have not been provided any of the debt validation as request. In light of the above, the continued illegal tactics by the Enhanced Recovery, I am demanding within my rights, that both accounts listed above be deleted from my XXXX and XXXX Credit Reports and Enhanced Recovery refrain from attempting to collect a debt from me that does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Company has previously tried to reach out to me with threatening tactics multiple times during the period of XX/XX/XXXX - XX/XX/XXXX regarding this so called debt that is not mind. I have also told the creditor, XXXX, that I was a victim of fraud and identity theft. I do not owe, nor do I know anything about this particular charge, and I've made this clear to this company, who has now tried to call me again earlier today, XX/XX/2019. I do not owe this bill, and I am being negatively affected by this companies repeated threats and contact for a bill that is not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I request that Enhanced Recovery Company {$240.00}, {$530.00} formally substantiate account data Enhanced Recovery Company conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified account. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Enhanced Recovery Company desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Balance : {$1600.00} On XX/XX/2019 I notified Enhanced Recovery in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. Enhanced Recovery refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Enhanced Recovery under the Dodd-Frank Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A