Date Received: 2023-11-17
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
Company Response:
State: AL
Zip: 36609
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Many years ago, I contacted AT & T by phone, regarding a collection that appeared on my credit report. I asked the company to provide me with the following information below after advising the representative that I received a receipt of my returned equipment and closed account with no balance owed. The Company was asked to provide me with the list of documents below and the company never complied. ( XXXX ) the name of the original creditor and the last four digits of the original account number ; ( XXXX ) the date of default or charge-off and the amount due at that time; ( XXXX ) the name of the current owner of the debt ; ( XXXX ) the total amount currently due on the debt ; Instead, the false charge in the amount of {$230.00} dollars to a collection company who continues to update a past debt from over several years ago.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I got a collection and I want it removed immediately Im not responsible or I will take legal action against them please have them remove it off my credit report XX/XX/2023 amount {$1400.00}
Company Response:
State: FL
Zip: 33460
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX and I am a XXXX XXXX XXXX XXXX and my credit is my life. beginning of XXXX a collection arised for XXXX but being reported on my credit as Enhanced Recovery Co L. I immediately called XXXX and they stated it was because of a box that wasn't returned. I went to XXXX and returned the box to XXXX on XX/XX/2023 at XXXX XXXX. I also will attached the receipt. I then called and notified them that this was turned in along with the receipt information. They assured me this would be removed from my credit within 15 days. It was not removed 15 days later and I called back again. Then I was told this would be handled immediately and they were truly sorry for what this was doing to my credit as I needed a business loan that the bank wouldn't now give me. well today is XX/XX/2023 and the item is still reporting to all three credit bureaus. This is 60 days later and nothing still has been done or removed. My credit is the only that I have to back me and my business and I have lost out on over {$40000.00} worth of loans and credit opportunity because of this issue that they wont rectify
Company Response:
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: ACCOUNT NAME ENHANCED RECOVERY CO L Account:XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me a i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible enhanced recovery company Account # XXXX amount {$1300.00}
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX I became a victim of identity theft. I have tried to verify debts and payments owed. XX/XX/XXXX I confirmed the alleged debt with the original creditor ( XXXX XXXX XXXX ) but the representative was unable to locate the account. XX/XX/XXXX I submitted a complaint to the Better Business Bureau about Enhanced Credit Recovery ( ERC ) stating that I did not enter into an agreement with the company. XXXX XXXX XXXX XXXX XXXX XXXX adjusted my credit report and removed the collection from my account,. XX/XX/XXXX I submitted a dispute with XXXX about the inaccurate report concerning ERC stating that I did not enter into an agreement with the company. XXXX XXXX XXXX XXXX stated that ERC confirmed the information as XXXX.
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/ I have received a phone call from a debt collector from Florida ( Enhance Recovery Company ( XXXX ) XXXX XXXX ) in regards of an XXXX account with a total balance of {$610.00} that was opened under my personal identity without my consent. I have never opened an account under my XXXX XXXX XXXX cause my current XXXX XXXX XXXX Plan is still under my parents. Its also the same company contacted me from last year XXXX month of XXXX with the same issue. I payed the previous one with the amount of XXXX $ knowing that i have never opened an account on XXXX XXXX XXXX just to avoid any stress due to the collection that was showing on my Credit Report. I also tried to contact XXXX XXXX XXXX but they weren't cooperating. I hope this time somebody will help me cause i have been stressing out of these fraud and scammers. Thank you!
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX Enhanced Recovery Company , LLC, placed am account on my consumer credit report without send me a noticed pursuant to 15 usc 1692g. i called, spoke with a woman she said they only sent me two emails. not one letter was sent. I am entitled to receive accurate and verified documentation that substantiates the validity of the reported debt. Enhanced Recovery Company , LLC has Failed to provide the requested validation within five days after the initial communication with a consumer, it is considered a violation of the FDCPA. I want to emphasize that I am fully aware of my rights as a consumer and my eligibility, as permitted by federal and state law, to file this dispute. I also acknowledge that any knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001, and punishable as perjury under 18 U.S.C. 1621.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A