Date Received: 2023-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Several months ago, I was notified that my credit score had been negatively impacted due to a collection filing. My credit score normally hovers around 830-850. Upon investigation, the collection account was for an XXXX & XXXX debt in the amount of {$1200.00}. I have no business with XXXX XXXX XXXX. I called XXXX XXXX XXXX to advise them that this is not my debt. Upon discussion with XXXX XXXX XXXX, they said that someone purchased a phone through credit and then never made any payments. Clearly, this was some sort of scam and XXXX XXXX XXXX was victimized. We agreed that the account was : 1 ) not set up in my name, but in the name of XXXX XXXX, 2 ) the social security numbers did not match and 3 ) the street addresses did not match. They agreed to release the collection and move on. I followed up with all three credit agencies and the collection has been removed. Last week, I received a debt collection notice on behalf of XXXX XXXX XXXX from ERC. It seems they now have my address, which I gave to them on the phone when I originally called to prove they had the wrong " XXXX. '' I will restate the following : 1 ) I am not XXXX XXXX and have never been XXXX XXXX ; 2 ) I do not know who this person is ; 3 ) The XXXX & XXXX account and collection letter is in the name of XXXX XXXX, who is not me ; XXXX ) XXXX XXXX has never lived at my current or prior addresses ( I have lived at my current address for 23 years ) and 4 ) none of the other identifying factors match to me. I have spent a great deal of time already on this issue. I do not know how to get AT & T to cease and desist contacting me directly or indirectly through collection agencies. This is not my debt. I am not this person. Your help in resolving this issue would be greatly appreciated. It is threatening, stressful and time consuming to me. Thank you.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XX/XX/2023 Cfpb Complaint department To ENHANCED RECOVERY COMPANY Amount {$230.00} Dear ENHANCED RECOVERY COMPANY agency manager, I am writing this letter to bring to your notice the following information added to my credit report. The amount {$230.00} along with the name 11 XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I request you to XXXX XXXX case number is XXXX XX/XX/2023 Cfpb Complaint department To ENHANCED RECOVERY COMPANY Amount {$230.00} Dear ENHANCED RECOVERY COMPANY agency manager, I am writing this letter to bring to your notice the following information added to my credit report. The amount {$230.00} along with the name 11 XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I request you to clear my credit report as soon as possible to help me continue business. Please look into this matter and do the needful as soon as possible. Regards, XXXX XXXX
Company Response:
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery is trying to collect on a XXXX debt that is not mine.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Company Response:
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Amount {$5500.00} I have asked to remove off credit reports
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Enhanced Recovery Company is still showing up on my report in the amount of {$290.00}. It also shows the account is open, which is incorrect. It also shows that the account was paid on XX/XX/2021. I paid this balance and the company notified me that they would sent a request for delete to the bureaus automatically after paying the debt to have it removed from all of the bureaus. However, the account continues to show and has not been removed as previously stated by the company.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. ERC failed to validate this alleged debt. I refuse to pay this alleged debt until the proper VALIDATION of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear CFPB, I am writing to file a complaint regarding a debt collection activity that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I received an itemized list of alleged charges from Enhanced Recovery that claims I owe them money. However, this does not meet the Federal Trade Commission 's guidelines for proper debt validation under the FDCPA. I dispute the validity of this debt and demand strict proof and verification of the same, in accordance with 15 U.S.C. 1692g ( b ). I have requested debt validation in writing, and the collection the agency should have ceased its collection efforts immediately upon receiving my request. Despite this, the collection agency proceeded to obtain a default judgment against me on the debt collection claim without first providing verification of the debt, in violation of 15 U.S.C. 1692g ( b ). I am aware that the collection agency is reporting this collection on my credit report, which constitutes a collection activity. This is in violation of the FDCPA, and I am entitled to collect damages of up to {$1000.00}, plus actual damages and attorney 's fees, if I file a claim in small claims court. These collections on my credit report are causing me severe problems and are preventing me from obtaining a home loan, with the potential for damages to reach into the thousands of dollars. Furthermore, I believe that the reporting of this invalidated information to major credit bureaus may also constitute defamation of character. The Fair Credit Reporting Act ( FCRA ) does not allow for the inaccurate reporting of information on my credit report. If the collection agency does not immediately remove this account from my credit report, it is subject to another {$1000.00} fine, plus punitive damages. Your company may also be in violation of the FCRA if it does not comply with this request. I look forward to hearing from you within 15 days regarding this matter. If I do not receive a response, I intend to pursue legal action. Thank you for your prompt attention to this matter. Sincerely,
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account : XXXX XXXX # XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. Account : ENHANCED RECOVERY CO L # XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( XXXX XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the XXXX-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, XXXX.
Company Response:
State: LA
Zip: 71118
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was on a month to month and was unaware of a balance building because my service was shut off. I did not receive anything from the original creditor stating I had this balance or that I had a right to dispute it.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A