Date Received: 2023-03-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Debt collector is in violation of the FDCPA. It violated my privacy and parked debt on my credit report ( s ) without my knowledge. Please see attachments.
Company Response:
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On or about XX/XX/2023 ERC, XXXX XXXX XXXX, XXXX FL, made an offer to settle a XXXX debt of {$110.00} for a one-time payment of {$72.00}, however after making the payment they are refusing to honor the terms we agreed to and have been contacting me daily about paying the remaining {$39.00} even though our agreement was to settle the debt. ERC reference # XXXX and XXXX # XXXX
Company Response:
State: CO
Zip: 80524
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The company is called Enhanced Recovery Company. They refuse to verify the accuracy of my information. The debt is for a XXXX phone I returned over 6 years ago that XXXX stated they never received. The debt collector now continues to Re-age my debt so it can look recent and continue to hurt my credit score. The amount is over {$1500.00}
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is the third Company that has tried to receive payment from me about this false account that is not mines. I've had this removed from my credit file two times from all bureaus. This is definitely against the law for even attempting to collect on a debt one. I am so so tired of this.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX the company XXXX XXXX is threatened to sue me I paid on time never late
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Date opened XX/XX/XXXX Last Activity XX/XX/XXXX XXXX this collection was paid off settled- Less than full balance Collection Agency : ERC XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Tis is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency. Same amount same everything just a different collection agency. It keeps on coming up every few month through a different collector. Will it ever end? It was never me I never had anything to do with XXXX. Thank you XXXX XXXX Account nameENHANCED RECOVERY Account XXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updatedXXXX XXXXXXXX Balance {$1600.00} Balance updatedXXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms XXXX XXXX On record untilXXXX XXXX
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company continues to try and collect on invalid debt. Along with this, they have sent deceptive forms to third parties and myself, making false belief that I owe them ( 15 U.S. Code 1692j ). A debt collector also may not use any false, misleading, or deceptive practices in accordance with 15 U.S. Code 1692e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; Committing fraud. The original creditor must not have notified them as well, but a 1099c issued for this debt ( REQUIRED FOR ALL DEBTS OVER {$600.00} ) - THIS DEBT IS $ XXXX and can not be debt and income simultaneously according to bureaus and IRS- this being reported as income removes the debt from my credit report. This business continues to cause a defamation of my character, and immense harm to my reputation, while also violating my federally protecting consumer rights, FDCPA laws, and my right to privacy and confidentiality. I am asking that this account ( XXXX ) be removed from my credit report immediately.Pursuant to 15 USC 1681 ( a ) ( 4 ) -I have the right to privacy.15 USC 1681b ( a ) 2 -you cant furnish a credit report without written consent from the consumer. 15 U.S.Code 1681c ( a ) ( 5 ) -no consumer reporting agency may make consumer report containing the following information- ANY adverse information.This collection is clearly adverse information. Also, Enhanced Recovery NOR XXXX CLEARLY AND CONSPICUOUSLY provided me with outlines of my consumer rights to opt out from credit reporting PRIOR to this account reporting pursuant to -> 15 U.S. Code 6801 each financial institution has obligation to respect the privacy of customers and to protect the confidentiality of their nonpublic personal info. 15U.S. Code 6802 ( a ) may not disclose to a nonaffiliated third party any non-public personal information ( b ) Opt out ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given opportunity to direct that info not be disclosed to such third party ; AND ( C ) the consumer is given an explanation of how they can exercise that option.15 USC 6809 ( 5 ) " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution.Nonaffiliated 3rd party = CREDIT BUREAUS ( XXXX, etc ) 15 USC 6809 ( 5 ) Affiliate means any company that controls, is controlled by, or is under common control-your company and bureaus are not.15 U.S. Code 6809 ( A ) " nonpublic personal information '' means PERSONALLY IDENTIFIABLEFINANCIAL INFORMATION ( ii ) resulting from ANY transaction! ANY transaction= ALL. This was ONLY made available by you reporting this. I did not give this consent and you continue to report this with all disregard to law.I also ask that Enhanced Recovery supplies me promptly with all of the following for my records- 1. a copy of this companys Tennessee Collection Service License so I can make my complaint with license attached. 2.A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the debt amount iscorrect. -This account information is inconsistent and varies across all three bureaus. 3.Documentation that shows I agreed to pay you this debt with my signature and documentation that shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. -No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4.The Agreement that grants you authority to collect on this alleged debt. 5.The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you 6.Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasn't present ) 7. The Original PromissoryNote on this Alleged Debt. Last but not least, this company is participating in FRAUD, in partnership with original creditor if this is not removed immediately.I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek monetary compensation damages for the violations youve already committed ( {$1000.00} per ), and you have 15days from the date of this letter to respond with all items requested. I am also submitting these facts to the CFPB, FTC, and Attorney General while reporting you to the Tennessee Collection Service board immediately as we are preparing legal action for violations you've already committed.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A