Date Received: 2019-05-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX XXXX and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name ENHANCED RECOVERY Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also XXXX and XXXX are reporting new hard credit inquiries from XXXX XXXX XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those enhanced recovery people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In reference to the Merchant : XXXX who has fraudulently been using my Social Security Number to open accounts with them, in which I have not ever authorized. Hello, Please help me with the Merchant : XXXX who has been harassing me into paying a debt I do not owe. They have opened accounts under my name/Social Security number without my authorization and due to Identity Theft. I have personally already addressed this issue with them back in XXXX, confirming this is a fraudulent account with a police report, however, they have been persistent in harassing me with several Collection companies and continually adding negative remarks to my Credit Report even after the fraudulent account already being removed. Merchant : XXXX does not have any accurate details about me other than my name and social security number, which they have used without my authorization due to Identity Theft. I have already disputed this fraudulent account with all 3 Major Credit Bureaus and they have confirmed Merchant : XXXX is a fraud and had been opened without my authorization. Even after all 3 Credit Bureaus have successfully removed this fraudulent account from my Credit Report, Merchant : XXXX has continually used my Social Security Number at their own free will to add another Fraudulent Account under my name and Social Security Number. They have fraudulently added this account to my Credit Report more than 3 times now. The dates disputed were back on XX/XX/XXXX, for : XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report. XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report. In XX/XX/XXXX, Merchant : XXXX has for the third time, added another collection to my Credit Report with Collection Company Name : ENHANCED RECOVERY CO L - even after this account has already been found as Fraud. This is the third time they have used a different Collection Agency to harass me into paying a debt I do not owe. Merchant : XXXX and their Collection company : ENHANCED RECOVERY CO L are requesting I pay them {$3000.00} USD for an account I have not ever had with them and which was opened fraudulently. Thank you for your help with this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: adding debt that is not known to me XXXX and enchance recovery sent the ftc violation
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have disputed this entry for Enhanced Recovery Company several times with no response. I have repeatedly asked them to send me a copy of the signed, exclusive contract between Enhanced Recovery Company and myself for repayment. To this day, I still have not received a response. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I Lose my job and they close my account, since XX/XX/2017 now they said that i own a {$4500.00} to them
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2019-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Several years ago XXXX XXXX XXXX installed two new internet accounts at a service location for me. They sent a third installer through some scheduling error. The third installer was sent away never having installed anything. The two accounts opened were always paid as agreed and eventually closed. XXXX XXXX XXXX never activated the third account but would not close the account because " without activation it did not exist. '' They put the installation fee of {$100.00} on the account balance. I could not " close '' an account i did not have open and they would not remove the balance without " closing '' the account. Eventually they sent the account to a collection company who inflated the amount and tried to collect. All of this information was given to the credit reporting agencies who removed the negative collection account from the record. The collection company then sold the account to ERC collection company. Who put it back on record with the reporting agencies. I repeated the dispute through the reporting agencies who removed it yet again. We are now locked in a cycle where ERC reports it and i dispute it successfully about twice a year. However this constant replacing of the negative collections is now the only negative thing on my report and is affecting my apparent creditworthiness, costing me much money and frustration all over an account that NEVER existed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX has repeatedly called my work place after being told it was my work number. They called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A {$75.00} collection charge from enhance recovery collection company from XXXX XXXX XXXX was charged to me. This was an account that was in my wife 's name and had nothing to do with me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Deliquient mark showed up in XXXX and not XXXX, this proves inaccuracies in their information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A