Date Received: 2019-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have been attempting to get an account deleted from my credit history. The collection agency, Enhanced Recovery Company, stated that they needed permission from the original creditor to delete it on XX/XX/XXXX. I talked to the creditor, XXXX and they stated that they would have their solutions department resolve this matter. On XX/XX/XXXX XXXX stated that they no longer have a solutions department. I feel misinformed. I have had several items over the last two years deleted from my credit history without any problem. If you could please do all you can to get this account deleted from my history it would be a major help seeing that I am building my credit and this account is pulling me down. On XX/XX/XXXX the account was paid in full for XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced Recovery Company ( ERC ) did not send me a " Notice of Debt '' before reporting this account onto my credit report. So, I disputed the debt with all 3 credit bureaus, in which they responded back to me and told me that ERC validated each time I disputed the account. So, I sent a validation request to ERC on XX/XX/19 ( see doc 1 ) which they ignored and didn't send me any documentation verifying that I am the correct consumer who they are trying to collect a debt from. Per FDCPA, ERC supposed to do the following and they did not : notify me of the alleged debt, cease reporting & collection until the debt has been verified, 5 days after initial communication send me a document showing the original creditor, the amount owed, and the address of the original creditor with the debt collector statements written on it. My rights as a consumer have been violated several times by ERC and I'm sick and tired of it. This collection account has cost me to lose funding for my home which I needed badly for me and my boys. This entire process has been tiresome and stressful. This is my last resort to get help with this account. My next steps are to file a lawsuit for the multiple violations that have been committed against me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75604
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Enhanced Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31021
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validationof the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate inbringing legal action against you and your client for the following : Violation of the Fair Debt CollectionPractices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must ceaseand desist. Also, during this validation period, if any action is taken which could be considereddetrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70301
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX allowed Enhanced Recovery Company to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to XXXX and Enhanced Recovery Company stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any. My request was simple and of reasonable nature. On XX/XX/2019, I received a letter from XXXX stating the reporting of this debt was verified as accurate. I also received several random bills from Enhanced Recovery with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file. They is no history being reported which means that the information that's being reported in inaccurate and incomplete. Since XXXX has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports. Again, provide me with an original signed contract and a full accounting of his debt. I have attached the letter that I sent to XXXX and to Enhanced Recovery on XX/XX/2019.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36301
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX of 2019 I purchased a phone from XXXX on that same day they allowed someone to purchase a second phone in my name I called XXXX corporate office and the store where he phone was purchased they asked for a police report I gave them that I also contacted XXXX and sent them the police report still nothing. This action is preventing me from moving forward with my plans because its on my credit now
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had service with XXXX XXXX a few years ago. We decided to go with another compan XXXX XXXX which is now spectrum. Myself and My adult daughter took all the equipment to the store at Located in : XXXX Mall Address : XXXX XXXX XXXX, XXXX, OH XXXX Which has now since closed. All the equipment was returned as it was not longer needed. Now something shows up on my credit report almost 4 years later stating I owe this. I do not owe this, all items were turned in. I did a dispute with the credit reporting agency and it came back the company stated I owed this debt. I have contacted XXXX XXXX directly and of course no one can help me. The store is now closed, but this is not a valid collection. I returned everything to the store directly with a witness.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45245
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was contacted by ERC debt collection regarding an alleged unpaid account with " XXXX XXXX XXXX XXXX '' ( per " Enclosure1.pdf '' ). I do not believe I had ever maintained the alleged account, and I replied in writing to request documentation showing that I was responsible for the debt ( per " Enclosure2.pdf '' ). On XX/XX/2019, ERC acknowledged receipt of my reply. ERC stated that it was unable to provide documentation around the account, would cease collection activity, and would request that the account be deleted from any consumer credit reporting files ( per " Enclosure3.pdf '' ). This never occurred and, as of XX/XX/2019, the account is still listed as in collections on my credit report with XXXX ( per " Enclosure4.pdf '' ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is to file a complaint after several writting to this collection agency nothing was resolve I never in my life have spring service now im getting bill for {$1400.00} for spring and this collection company it was report to all my credit I even called the collection company to send me prove that when was this account was open no prove was sent to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: They did not contact me for many years after initial complaint. I had filed a complaint 5 years ago as they threatened me the same way, with a debt that they can not prove or that they did not send me the requested information about the debt they say I owed. XXXX has sold this debt many times, but they have never proved the debt is mine, or sent me requested documentations regarding the debt, which I do not owe. Time and again whenever the sell the debt to a collection the new company sends out the threatening letter to hurt my credit or sue me, this company just threatened to report the debt to a credit agency, and threatened to damage my credit. The debt is not mine, I have not had any contact, other than the collection and have not had an account with XXXX since 2009.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94127
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A