Date Received: 2018-05-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called the debt collection agency which is handling my debt from XXXX XXXX XXXX to settle the debt with monthly payments. The agency tried to charge me a just under {$13.00} per month as a " convenience fee '' for using my debit card. would come out a little under {$150.00} more than owed, which is almost a 28 % increase of the debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have filed an Identity Theft Report with the FTC over this issue, since ERC claims to have no written or verbal communication with me, nor do they have any of my identifying information but wants me to provide them with my driver 's license, proof of address and social security number. This does not seem like a legitimate company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXXXXXX XXXX ( ERC ) for amount of XXXX. I have sent ERC a debt validation and ERC has not responded to my request. I also disputed this with all three credit reporting agency. I have no knowledge of this account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am working on fixing my credit and a collection item from XXXX XXXX XXXX was on there that I could not recall what this was. I filed a dispute with them and per their investigation it was a bill from XX/XX/XXXX. I received a letter back on XX/XX/XXXX that said I had until XX/XX/XXXX to contact the number regarding it or collections would continue. So I called because at this point I am trying to get my credit clear for certain reasons and I was going to settle with them, however they said they didn't have it and sent me to ERC collections. I called both of them on XX/XX/XXXX, I believe or maybe it was on XX/XX/XXXX, the deadline. When I got to ERC, they stated they didn't have the debt and XXXX XXXX XXXX took it back on XX/XX/XXXX. Now here I am trying to get this cleared and nobody can help me. The " alleged '' debt is from XX/XX/XXXX, which we are in XX/XX/XXXX, which seems like that is also past its time. I want to get this cleared and removed off my credit yet I am stuck. I did exactly as requested to no avail.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73703
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I noticed this account from Enhanced Recovery on my credit report and the original creditor is XXXX XXXX for the amount of {$280.00} that they say it was opened on XX/XX/XXXX like it's a new account. This same account and creditor was disputed twice with two prior collection companies XXXX XXXX XXXX sent a removal letter datedXX/XX/XXXX which they removed from my credit reports and the other company XXXX sent me a collection noticeXX/XX/XXXX and the dates did not add up so XXXX removed the account off of my credit report. Now Enhanced Recovery has purchased this account and added it to my credit report like it's a new debt which is not legal because one it has been discharged in my bankruptcy and I no longer owe anything on this account and it's not a new account. This is affecting my credit and I would like Enhanced Recovery to remove this off my credit report with all three credit bureaus
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I recently received a notification from the credit bureau of a collections account from XXXX XXXX XXXX reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate. I fear for my safety.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was looking over my credit report and saw an account that was placed in collection, and was reported to XXXX. I did not opened that account. I contacted the collection agency and told them I know nothing about that account, and I need them to have it removed. They refused to comply with my request. they gave me a name and address of the person who opened the account in my name. I do not know this person. This person lives in another state. This collection agency has damaged my credit by not doing contacting me to verify if I was the person named on the account before reporting to the credit bureau. This is a deliberate act to damage my credit, because they never once called or written to me to collect the account they said I owed. Furthermore, they knew my name was different from the person on the account. So why damage my credit when I didn't opened that account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX I revived a letter stating that I had opened an account with XXXX and that I had a outstanding bill. ( {$420.00} ) in XX/XX/XXXX I received another letter. 2 accounts in Collections Account Name Original Creditor -XXXX Open Date XX/XX/XXXX Balance- {$420.00} Debt- {$420.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This is not my account, I have not opened this and I believe i'm a victim of identity theft..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS BEGAN ON XX/XX/2018 when I pulled my yearly credit report. XXXX XXXX XXXX collecting on the behalf of XXXX for {$610.00}. I have disputed ( via certified 611 letter ) this ONCE WITH XXXX AND XXXX AND IT WAS PROMPTLY REMOVED. I have disputed this ONCE with XXXX. I have disputed THREE TIMES to date with XXXX ... ONCE online and TWICE via TWO CERTIFIED 611 LETTERS. They have removed it TWICE and put it back for a THIRD TIME. XXXX is the ONLY credit reporting agency, STILL reporting this fraudulent account. They also report as XXXX XXXX XXXX HAS ALSO PLACED THIS FRAUDULENT DEBT UNDER " ERC '' ... it's AKA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A