Date Received: 2019-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC collections is reporting that I owe their company money for a debt that I have no knowledge about, I have no contract with this creditor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
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 was result of identity theft
Consumer Complaint: AFTER OBTAINING MY CREDIT REPORT I NOTICED ENHANCED RECOVERY COMPANY PLACE AN COLLECTIONS ACCOUNT ONTO MY CREDIT REPORT ON XX/XX/XXXX WHICH I HAVE NO IDEA ABOUT I SINGED UP FOR XXXX TO HELP ME GET THIS COLLECTIONS OFF MY REPORT THE DISPUTE DATE IS XX/XX/XXXX I NEVER HEARD FROM THEM AND THIS ACCOUNT IS STILL BEING REPORTED ON MY CREDIT REPORT
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I've been receiving multiple phone calls in regards to an overdue phone bill that was sent to collections from a phone line that I opened more than 3 years ago. I'd like to eliminate the single derogatory mark that I received from a phone bill I had when I was XXXX. The amount is for {$540.00}. I'm starting to learn about credit and would like to improve my credit score for the future.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection is unknown. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My account was settled in full upon termination of the service. The term they are saying they signed me up for is false and inaccurate. I paid my full term of my contract and once it was completed I terminated the service and went with a different service. They continue to say they signed me up for a longer period of time but only AFTER I tried to disconnect the service. My account was fully satisfied and now they are hurting my credit for no reason. I need this removed from my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection is unknown. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10954
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I do not want to recieve calls from this company. They have repeatedly called me after XXXX at night. I have no idea what it is in reference to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter from ERC ( debt collector ) dated XX/XX/2019 for {$410.00} about an an XXXX XXXX Credit Card ( XXXX XXXX ) for an account that I closed more than 2 years ago. I never received any communication about me owing money and this was the first communication on the topic. I paid right away as I didn't want my credit score to suffer. First, this is a charge that I didn't owe. Second, I need this to not impact my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed this with the company as well as asked each credit bureaus to investigate. Nothing has been done about this debt. I have not any knowledge of this debt prior to it being reported. This is not my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2019-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ENHANCED RECOVERY CO is listed under collections on my credit report giving me a negative score. Original creditor is XXXX XXXX, whom I contacted and paid in full my remaining balance {$380.00}. However when I pull up my credit report I see listed under Collections Enhanced Recovery ( account shows Paid and closed with amount owed {$0.00} ). I have called this so called company Enhanced Recovery and both times they say I need to call XXXX XXXX. When I explain to them I have called XXXX. and paid them. They respond again sir call XXXX when I try to get them to explain why I should call XXXX. when the account name on my collection report states Enhanced Recovery not XXXX I can advise any further than stating call XXXX XXXX. These companies like this Enhanced go out of their way to harass you constantly and call you all times of the day wanting their money. Once it's paid for in full and consumer no longer owes them money. They no longer have a clue and play like idiots, I am currently in the market to purchase a new vehicle but with this, still listed and not removed like it should be my credit is lacking a good score. If companies wont remove it why should a consumer even pay a collection just wait 7 years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79705
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A