Date Received: 2019-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My credit was used back in 2012 to get XXXX cell phone service I never given any permission to open any account in my name. I resolved this matter 7 years ago
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debt was remove now back on report for what reason I dont m ow it not mines.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I never received any written notification to dispute the validity of this debt and this company violated the fair credit reporting act by not allowing me the opportunity to dispute the validity of this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73119
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I do NOT have a debt problem, nor have I ever had one. Within the last 4 days I have gotten 3 calls from this scam company by the ERC Research ; I received a call on a Wednesday after ( XXXX ; XXXX ) ; another on Saturday ( XXXX ; XXXX ) and Monday ( XXXX ; XXXX ). Their number has been pegged numerous times on XXXX notes. I would appreciate if you could eliminate these aggravating people from calling ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Both Enhanced Recovery Company and XXXX XXXX are attempting to collect on the same debt. Please see the attached letter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2019-03-30
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The home I lived in during this period belonged to a roommate. I had no utilities in my name.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2019 a letter was mailed to me by Enhanced Recovery Company. I received this letter approximately on the XXXX of XXXX. This debt that they are trying to collect is from XXXX for the amount of {$690.00}. The origin date of the account is not listed on my credit report, the date field is blank displaying -- / -- and only displays a XX/XX/2019 date. This is not a current debt of mine and the dates are completely false. The day I received the letter I also received notifications from the credit bureaus saying that a new collection account was added and my score plummeted. I immediately disputed this with the bureaus. They have illegally reported this to my credit report prior to the 30 days that I legally have to dispute this. I have received no validation from this company with any dates and they have tarnished my credit. Everywhere I have read is that this company, as early as a year ago, was not able to report to the bureaus because of previous instances. I would assume it was something along the lines that they are trying to do me. I feel that this is a direct violation of the FCRA and stated in their letter I have 30 days to dispute this which I have and they are still reporting to the bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ID
Zip: 83814
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies Enhanced Recovery and XXXX XXXX. In XX/XX/XXXX I contacted XXXX XXXX and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to Enhanced Recovery in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. Enhanced Recovery responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to XXXX XXXX who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid. Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to Enhanced Recovery who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not. I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report. I ask that you please assistant me with FINALLY resolving this illegal matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt was paid in full total payment received {$140.00} on XX/XX/2019 Creditor XXXX XXXX XXXX XXXX. Collection agency ERC collected {$140.00} Plus theyre over the phone fee of {$1.00} Totaling {$140.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an alert from XXXX, XXXX XXXX and XXXX reporting agency ( s ) on XX/XX/XXXX that reported a collection debt that was added to my credit reports. I called Enhanced Recovery Company on XX/XX/XXXX and was told that they were representing XXXX and collecting a debt, I told the rep that the debt did not belong to me. I filed a complaint to CFPB back on XX/XX/XXXX Ref : XXXX against XXXX XXXX XXXX which resulted with the XXXX account being deleted from my credit files XXXX, XXXX and XXXX. It appears that Enhanced Recovery Company purchased the debt from XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. This account was closed and deleted and now added to my credit file once again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A