Date Received: 2018-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2018 I received a notification from XXXX that my credit report had changed and that a new collection in the amount of XXXX from XXXX XXXX XXXX ( ERC ). I called ERC to find out where this collection came from and after collecting my name and Social Security Number they stated that they could not find it in their system. I was told to send an email with a screenshot of the collection from the credit bureau to them and at that time they could determine the etiology of the debt. I informed them that this was ridiculous since they were the agency reporting me, yet they could not find me in their system. At the same time, I asked them why there had been no attempt to collect this debt as I have not received any correspondence in writing. In fact, I was blindsided with this credit ruining collection. The agent on the phone had no response. After the phone call I attempted to take a screenshot of the collection, but was prohibited by XXXX due to their privacy. Two days later, I called XXXX XXXX on a different phone number to see if they could tell me where this collection was coming from and once again they could not find me in their system from my name and phone number and they informed me to send the credit reporting information to them by email and then they could find the debt. Finally, I am disputing 2 things. The first is that there was no effort to collect this debt. I have not received any correspondence by mail or telephone from ERC with an attempt to collect this debt. If they had made an attempt to collect the debt they would have had my name or phone number in their database. The second, is that I believe that it may be an invasion of privacy to request the debtors information from the credit reporting information as a way to validate the debt. In any event, if this debt is mine, I would like to pay it and since there was no attempt to collect the debt, I want it removed from my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2018-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Enhanced Recovery Company shows on my credit reports with original creditor XXXX XXXX XXXX opened XX/XX/2016in amount of {$510.00} While I recognize XXXX XXXX XXXX I have no knowledge of Enhanced have never had any business with this company. Have never received any communication from either in regards to this alleged debt. The last 4-5 years I have been on someone else 's account with XXXX and XXXX. This is either a mistake or fraud and from all the complaints on XXXX XXXX, # 3 most complaints on CFPB 252 % increase in complaints from one year to next average of 193 a month. Some 13,800 results on XXXX related to lawsuits I would tend toward fraud. I would have to ask at just what point do these companies get shut down and put in prison?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95240
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX has been trying to collect a debt that I do not owe. I recently checked my credit reports and it seems that it was a XXXX account that I had back XX/XX/XXXX. I had a prepaid account and did not have a contract with XXXX. I stopped using XXXX services XX/XX/XXXX. All phones and equipment was paid in full and cash Back XX/XX/XXXX. Now it shows that I have two accounts with XXXX one where I owe {$190.00} and the other states that I opened the account XX/XX/XXXX and owe {$780.00}. I do not owe any moneys to XXXX or XXXX XXXX XXXX for I never had any contracts and paid all my equipment in full.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. The original creditor is listed as XXXX XXXX. I have NEVER had an account with this company. I disputed it and the company said the debt is correct. How can they add something to MY credit report when I have NEVER had an account with them?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77356
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX ( ERC ) placed an account in collection on my XXXX credit report between XX/XX/2018 and XX/XX/2018. ERC placed the account in collection without notifying me. I refute this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2014, this debt for {$100.00} 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: XXXXX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I mailed out a debt validation letter on XX/XX/XXXX to Enhanced Recoveries Company to validate the alleged debt from XXXX that was on my credit report. I stated in the letter that the collection agency has 30 days from the receipt of this notice to respond. They failed to respond to the debt validation letter which I presume the debt was placed on credit as an error and that the matter should be closed permanently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I'm submitting a complaint against Enhanced Recovery Company , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. Proof of unbroken chain of title from ( XXXX ) to ( Enhanced Recovery Company , Inc. ) authorizing ( XXXX XXXX, XXXX ) to collect alleged debt. Show me that you are licensed to collect in my state, and provide licensed number if you are I have yet to receive the requested information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX company will not have their company deleted from all 3 of my credit reports. These debts have been settled and closed. I was told after I settled they would be taking off my credit reports and they have not done so. I've tried calling and disputing to the company it self and the credit bureau 's. Nothing has be done. These accounts are negative on my reports and its hurting my scores. They were placed on my reports on XX/XX/XXXX and XX/XX/XXXX for XXXX and XXXX phone company 's. I have tried everything I can to get these deleted any help would be appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have been contacting Enhanced Recovery for over a year to be ignored. The company has a fraudulent account reporting on my credit report on XX/XX/2015. I have been incarcerated in the Alabama Department of Corrections for the past 10 years and have never lived in XXXX, Michigan. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A