Date Received: 2023-01-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: enhanced recovery is reporting a wrong date. They reaged the original account. They do not own the debt. They are reporting late payments. No payment arrangements were ever made. No letter of noticed. They only reported on report before notifying me by mail before hand. I've never given them permission to access my personal information. They are not in any rights to obtain my information. I want the report removed from my credit report.
Company Response:
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I dealt with this company almost 19 years ago and now they are contacting me again. They use the name XXXX, but represent many different collection agencies. They try to collect debts of deceased relatives. A debt of my late husband 's ( deceased 2004 ) keeps getting sold over and over. The debt was from a car he ( not me ) owned at the time of his death. The car had to be sold at auction and the dealer/bank did not get the value they needed. My name, social security number, employment, NONE of my information was used to apply for the loan or purchase the car. The car loan was applied for ONLY by my deceased husband! At one point I had to hire a credit attorney to issue several cease and desist letters. ERC uses threatening language and tell you you have to sell your home and they are going to come and put a For Sale sign in your yard if you do not pay them. They ask what assets you might have that you could sell or borrow money from others or they will begin contacting your children, employer, etc., etc. They are PREDATORS!! PREDATORS!! PREDATORS!!
Company Response:
State: OH
Zip: 455XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: ERC Enhanced Recovery Company was paid a total of {$200.00} for an old XXXX XXXX XXXX account which I paid on XX/XX/2022. I have XXXX letters from ERC showing my payment was received and the account was settled. I am and have requested multiple times for them to removed/delete this from my credit report and they have failed to do so. I have called them and have be redirected to contact XXXX XXXX XXXX which I have and was told they dont handle this since it was given to ERC. I have called ERC back asking for this to be removed they have told me they cant do this and I have to handle this myself reaching out to XXXX which I have but I am still waiting. I really need help with this as I am trying so hard to get approved for a home loan and this XXXX collection that has been taken care of it all comes down to this. Thank you so much.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was getting annoying phone calls at which time I didn't answer since I didn't recognize the numger. Then, a few days later, I received a letter in the mail from a company called ERC XXXX XXXX XXXX XXXX, FL. XXXX Claiming that I had an account with XXXX XXXX XXXX XXXX and as of XXXX today I owed {$920.00}. Upon reading the letter I immediately called ERC to dispute the matter. I only got a response from an automated voice in which they tried to set up some kind of payment. I requested to speak to an agent and was put on hold for XXXX minutes and the was disconnected. I call a second time and was not able to speak with someone and was disconnected again. I have never had an account with XXXX XXXX XXXX XXXX.
Company Response:
State: IN
Zip: 46545
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions.
Company Response:
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ENHANCED RECOVERY ACCOUNT NUMBER # XXXX HOW THIS DEPTH COLLECTOR RECEIVED THIS ACCOUNT AND WHERE THIS {$69.00} DOLLARS COME FROM??? XXXX THIS ACCOUNT DOES NOT SHOW UP ON CREDIT BUREAU SUDDENLY SHOWED UP ON MY REPORT ON XX/XX/XXXX I don't know this account and I don't owed any {$69.00} dollars for this account IT IS UNKNOWN THE ORIGINAL CREDITOR AND ORIGINAL AMOUNT OF THIS ACCOUNT. I AM REQUESTING TO ORIGINAL CREDITOR AND ORIGINAL CONTRACT OF THE OPENING OF THIS ACCOUNT WHRE AND HOW THIS ACCOUNT OPENED????
Company Response:
State: WA
Zip: 99216
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive requested documents from Enhanced Recovery Company and they have yet to respond to me. This a debt that is alleged and i demand more information. I need to know why they are trying to charge me money.
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On this date XXXX company opened a collection. Account # XXXX {$2100.00} that I owe I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureus XXXX XXXX
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXX ENHANCED RECOVERY COMPANY Account -- {$550.00} that I owe I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureus. XXXX XXXX
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ENHANCED RECOVERY has listed on my credit report, the following information : Sprint with the Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX. I have disputed this several times and have had it removed and they continually keep putting it back on my report with a new dates. I have an open an active account with XXXX Acct # XXXX who now owns XXXX and this is the only account that I have or have ever had. I never opened an account with XXXX and any that states otherwise is completely fraudulent. I need Enhanced Recovery to cease from adding this to my account after disputing this and having it removed.
Company Response:
State: CT
Zip: 06604
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A