Date Received: 2019-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Other debt collectors have tried to collect money for this same issue and Ive had it removed. This company keeps refusing and has no proof this debt is mine. I have no recollection of this debt. Please remove this from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was an XXXX customer. I had a complaint filed with the XXXX for unfair sales practices and fraud. ( they added services specifically XXXX XXXX/XXXX XXXX that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, Ms XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX XXXX-XXXX, now Enhanced Recovery Company without communicating via phone or mail has placed this account on my credit file. This account continues to pop up on my credit report from various debt collectors. This is the 4th time and the 2nd time ERC has done this. How do they get away with this? I can only assume that XXXX XXXX XXXX XXXX XXXX is continuing to sell this debt that I do not owe. They made an error in their system, falsely created an account that I did not authorize and now continue to sell this phony erroneous debt. I am requesting that ERC and XXXX clear up their records and remove this from my credit file. ERC has never communicated with me to give me the opportunity to confirm or deny the debt. They just placed the item on my credit report without process. That is wrong. This is the second time ERC has done this!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is EXTREMLY Old, and incorrect information. The orignal company I BELEIVE was XXXX XXXX. Which when I left that company it was in XXXX I beleive. Why on earth they are reporting this in XXXX is beyond me. I do not acknowledge owing them this debt as my bill was paid in full when I moved and all equipment was returned in perfect condition to them at the time I cancelled the service. So I can not imagine what it is even for. I have contacted the company by phone and been given the run around and never gotton any resolution at all. I have written letters and never gotton any responce. It is past time for this to be removed from my credit if they can not even be bothered to respond to inquiries about it and I think the limit for it to be on my credit at all is up at any rate. ENHANCED RECOVERY COMPAN Reported :XX/XX/XXXX OpenedXX/XX/XXXX ( 1 yr, 3 mos ) ( this was most DEFINATELY NOT opened in XXXX ) Account status Open Type Collection Account Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had a old cell phone bill sent to this collection agency I am not sure why it was sent to them in the first place, the bill was settled with XXXX when I switched XXXX paid them the switching fees. I contacted XXXX & they have stated the account is settled and it should never have been placed into collections. I have tried to get this removed from the collection agency and they refuse to acknowledge the problem. Had they of sent me a notice required by law I would have disputed this debt. Now in the days of XXXX XXXX I notice this on my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 52803
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2016, this debt for {$650.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31721
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a debt collection reporting on my credit that is not mines. I do not recognize this account nor the details being reported. This account appears to be frivolous due to a potential identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85301
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a collection on my credit report from Enhanced Recovery Company. They showed an amount of {$640.00} with original creditor XXXX. I closed this account with a {$0.00} balance in XXXX. The date they put on my collection was XX/XX/XXXX. It made my credit score drop 25 points. I called them and asked what this is. They told me that they worked for XXXX and couldnt validate the charges and I would have to call XXXX which I did. I filed a FCC complaint against XXXX only to find out they sold my account and could no longer research or make changes. I asked ERC why they didnt send me anything by mail so I had an opportunity to dispute. They said they didnt have to. They said they attempted to call me but I never received any calls.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX has been mailing me bills for years that is not mine. I have returned to sender items and written that it is not mine as I AM NOT XXXX XXXX. I have moved XXXX times and the debt has followed. They recently reported it to the credit bureaus and negatively effected my credit. I disputed it. The company continues to bill me. This needs to be removed from all three bureaus and they need to cease mailing me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I previously received several correspondences regarding this XXXX debt from several collection agencies I don't owe this debt I've never had a residence in Texas nor have I ever lived in Texas this debt isn't my debt. XXXX XXXX XXXX XXXX continues to transfer the debt to different collection agencies trying to collect. I've advised them several times this isn't my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Never set up accounts with XXXX. In fact never had a XXXX ever in my life. False fraud
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55422
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A