Date Received: 2017-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a collection statement from ERC for an alleged debt of {$190.00} from XXXX XXXX. I stopped using XXXX XXXX, a company with documented customer complaints, when my internet service no longer worked on my purchased modem. I tried all the methods to reset my modem but with no success, and sent an email to XXXX XXXX telling them that my modem/internet access was not working. They sent return email that they could not send me reset password by internet and that I would have to call them. I am XXXX so that is not an option. I sent email telling them that I was stopping service since they FAILED to provide contracted internet service. They sent me additional billings following months for service NOT provided, and I notified them by mail that they had not provided any internet service per their month to month contract, thus no payment was due. XXXX XXXX does not provide acceptable service to XXXX XXXX customers, and thus is in violation of Americans with Disability Act and has clearly shown a hatred for customers by billing for services not provided. ERC has previously shown that they buy " bad debt '' in effort to shake down customers for debt not owed. I do NOT owe XXXX XXXX, and they wrote this off.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WY
Zip: 825XX
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Company is reporting as a new account for an outdated debt. Collection Company is reporting as derogatory. Company states it is for XXXX. They have marked my debt as 1 year 11 months. I have not had XXXX in over three years and have been a loyal XXXX customer. I mailed the company to let them know of the error. Rather than contact me or work together to figure this out, the company falsely added the amount past due. Report is missing past due amount, date of last payment, monthly payment, and frequency. Please help me get this item removed. I am contesting the time and the vast lack of information, as mentioned above.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85301
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Possible Debt Collector by the name of ERC called my direct line at work at XXXX XXXX XXXX, XXXX. I have not received any mail from debt collector.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed on this with my credit agency almost a year ago and it was removed because it was proven not be mine. The creditor was XXXX in the dollar amount XXXX and it What XXXX did was change the dollar amount and resold this debt to another collection agency which is Enhanced recovery LLC in the amount of XXXX. They ca n't do re sell a debt after it 's been removed from your credit report. XXXX could not verify infomration or it was 7 years up already and removed, not sure which one but I know the debt did not belong to me. I have screenshots to proveit was already removed on XXXX XXXX and before that XXXX without the inc listed it to try once again and removed XXXX, all screenshots provided. Good thing I keep snapshots of everything. I check my reports regualary also. attachments included shows it was removed in XXXX twice because it was not mine and anothe screenshot showing they just relisted it again with anothe creditor
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2017-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: According to Tennessee state licensure verification, Enhanced Recovery is not licensed to collect in the state of Tennessee. I have requested verification to collect a debt in the state of Tennessee. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XX/XX/XXXX. This is also a debt that states it is from XX/XX/XXXX. The amount of the debt is {$740.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37174
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I used to have XXXX. I returned the equipment but was told the charge was from not returning the equipment. I have requested a verification numerous times and have been harassed by repeated phone calls. Please advise.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me ENHANCED RECOVERY CO L XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ERC and XXXX are apparently collecting a debt from me and it is negatively affecting my report. I have n't been contacted by XXXX or ERC and I do not believe I actually owe a debt. I have paid XXXX for every service ever offered to me. I have been with XXXX for over 5 years now. Why does XXXX and ERC believe I owe them money. I have XXXX in my account ... why would I not pay an {$87.00} fee. DOES N'T MAKE SENSE. I could pay this but for some reason this report is false.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This was for a rental modem by XXXX XXXX XXXX. When leaving the landlords we called XXXX XXXX XXXX and worked it out to transfer the rental modem onto his account so he could continue Internet use there at his rental. XXXX XXXX XXXX helped us do this. Then a month later XXXX XXXX XXXX called asking for us to return the modem or we would be billed. I explained that we transferred the modem over to landlords account to keep services at the property. XXXX XXXX XXXX looked into it and said that it was ok no issue now. Over a year later XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX shows up on my credit report dropping my score over 40 points with a claim for XXXX XXXX XXXX for {$110.00} saying we never returned the modem. They are tanking my credit score and need to be held accountable for their error.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76401
Submitted Via: Web
Date Sent: 2017-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-08
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This debt collector is not licensed in my state ( Florida ) therefore they can not collect debt from me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2017-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A