Date Received: 2023-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I did not open an XXXX XXXX XXXX account in XXXX this is not my debt Enhanced XXXX just appeared on my report and they are not providing me address of services will not remove this is not mine. I have filed a dispute with XXXX that came back in less than 20 days.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Report Act XXXX, Account:XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been fixing my credit for a year now and doing well. All of the sudden this enhanced company with XXXX hidden where you can't find. So I assume it's XXXX trying to collect again after I got this taken off twice now. I would.like to know how to take legal action against them. They lowered my credit score by XXXX points for an account.I know nothing about. And enhanced recovery is a predator when it comes to fixing your credit.
Company Response:
State: OH
Zip: 455XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges OF {$30.00} I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : -Account applications made on paper, online, or by telephone -Account statements or invoices -Records of payment or charge slips -Delivery addresses associated with the account -Records of phone numbers used to activate or access the account -Signatures on applications and accounts -Investigators report -Inform the business where the account was opened that the debt is the result of identity theft -Stop collection activities against me -Stop reporting information about the debt to credit reporting agencies -If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft -Provide me with the records I request -If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Thank you for your cooperation. Sincerely, XXXX Enclosures : -FTCIdentity Theft Report -Proof of identity -Notice to Furnishers of Information Please provide me with the records I request
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ERC XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 To whom this may concern, I am disputing the debt XXXX XXXX XXXX XXXX XXXX account with account number XXXX. ERC is trying to collect on is a clerical error. When I discontinues service with XXXX, I returned all equipment. Later I got an email saying I owed XXXX {$110.00} for equipment. I went back to XXXX, spoke to the same comcast representative that I had returned equipment to. He said it was a clerical error and that he would fix the error. I believe XXXX is engaging in unlawful business practices, i.e. ; creating a fictitious debt writing off the debt and selling the debt to third party collections. I am going to send a copy of this letter to www.cfpb.gov/debt-collectionlaw. With a note that says once these practices reach critical mass I want to be included in the class action lawsuit against XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX How do you want to respond? Check all that apply : x I want to dispute the debt because I think : This is not my debt. The amount is wrong. x Other ( please include additional information ). I want you to send me the name and address of the original creditor. I enclosed this amount : $ ____________ Make your check payable to ERC. Include the reference number XXXX. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 79015
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Asked this company several times to send a letter to me. Started with first communication via phone call. Kept telling them I haven't received a letter which they must provide by law. They reported the debt to XXXX.
Company Response:
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced Recovery Company reported debt to the credit bureaus without first contacting me. The date opened is XX/XX/XXXX and the balance is {$120.00}. I received no voice mail, email, or physical mail and have not spoken with anyone on the phone. The debt originated from XXXX XXXX. I have no outstanding charges with them. I canceled my services with them in XXXX. The account was on autopay when it was active, so there is no reason why there should be any debt originating from there.
Company Response:
State: CA
Zip: 92104
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
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: Last 4 of XXXX RE : XXXX Dear ENHANCED RECOVERY CO L : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOD OF CHARGE OFF XXXX : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Enhanced Recovery Co L : Constantly calls on a false debt collection and the amount continually changes with each call. I want this false debt collection off of my credit report.
Company Response:
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'm composing this complaint to XXXX XXXX XXXX XXXXXXXX I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A