Date Received: 2017-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company called ERC, also know as ENHANCED RECOVERY CORP is contacting me about a bill for {$810.00} that does not belong to me. I have no knowledge of ERC. I have never spoken with this company. I do not have a contract with them. I have already contact the BBB about them and they are continuing to post information on my credit report. I have already asked them to remove it and they refuse. I do n't know what else to do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-11
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Someone named XXXX, with a very thick accent, called and asked me to verify my name, address, phone number, past address, and employment. I refused to do so, asking who he was. All he would say is that he was XXXX ( last name inaudible ) from Enhanced Resource Centers, but he would not give me any additional information. I looked up Enhanced Resource Centers online, and found that they are a debt collector. To the best of my knowledge, I have no outstanding debt that is in collections ; I hung up on XXXX for this reason. However, while I 'm not an expert on the FDCPA, I 'm pretty sure that a debt collector must identify themselves as such. At no point during the two minute conversation, did XXXX every identify himself as a debt collector.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2017-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX RECIEVED ANOTHER LETTER TO MY HOME XXXX XXXX XXXX XXXX XXXXXXXX FLORIDA XXXX ABOUT A DEBT AGAIN FOR THE 18TH TIME WHICH INCLUDES PHONE CALLS STARTING BACK FROM XX/XX/XXXX WHEN I FIRST FILED THE INITIAL COMPLAINT WITH THE FLORIDA OFFICE OF FINANCIAL REGULATION. COMPLAINT ID XXXX SATED TO XXXX A YEAR AGO AND I DO NOT OWE ALSO FROM XXXX XXXX XXXX XXXX AND XXXX THE SAME TACTICS VIOLATION OF THE FEDERAL FAIR DEBT C OLLECTION PRACTICES ACT.
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I Never applied or use this company in anyway
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2017-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have currently been trying to get a loan for a new house, and working hard to get my credit to a good spot. My loan officers transferred me to a credit specialist on XX/XX/2017 and told me about a collection to try and take care of and that would need to be deleted off my account after it was payed. I contacted this company on XX/XX/2017 and asked to pay off this debt but to have it deleted not just to have it shown derogatory payed. The company enhanced recovery told me that would not be possible. So all Im trying to do is pay this off and have it deleted, also this is apparently for XXXX XXXX for equipment that was not returned. I sent that equipment back so I am not sure what I am suppose to do about that either.. in the end though I would just love to have this off my account making it negative.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 498XX
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since, I believe, XXXX 2015, XXXX XXXX has been reporting a collection account on behalf of XXXX for {$1000.00}. When I switched carriers I was careful to make sure no balance was due. I never received a bill from XXXX, nor any collection notices from XXXX XXXX prior to seeing it on my credit reports, I am unaware of what this debt is for. I have attempted to dispute the collection as inaccurate through both the various bureaus AND E.R.C. directly. Each time they have verified the account as accurate. As of yet, I have not received any documents to validate or explain the debt, despite asking for them repeatedly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted Enhance Recovery Center by mail on XX/XX/XXXX it was picked up on XX/XX/XXXX to validate a debt. They did not provide legitimate proof. XX/XX/XXXX I called and asked a customer service agent how my debt was verified she did not have any information correct on this account that is supposedly mine. I was immediately referred to a supervisor even though I did not ask for one. Once I spoke with said supervisor, she did not provide adequate information either how they proved the debt was mine verified and validated and repeatedly threatened to report it negatively on my credit report if I did not pay. Now, according to the Fair Credit Reporting Act " 807. False or misleading representations '' ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed " If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Enhanced Recovery Corp XXXX XXXX XXXX, XXXX, FL SSN # XXXX To Whom It May Concern, I am sending this letter to you in response to a notification I received from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX P.S. Keep in mind XXXX NEVER contacted me to notify me of any debt owed to them and when I called them on XXXX/XXXX/XXXX they said they were n't aware of any debt owed on my account, since I have not been their customer for over a year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Repeated calls at XXXX or XXXX XXXX at night. Said that I have an arrest warrant for me that if i paid the debt they would cancel the warrant.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company by the name of ERC have a attached and erroneous debt to my SSn And name. I requested a validation of debt in which they never provided. This is why the account was removed from my XXXX XXXX and XXXX report. I am on sure as to why XXXX made a decision not to remove the false account .According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify-through the physical verification of the original signed certified consumer contract of any and all accounts request to be posted and/or reported on a credit report. A copy of the verifiable, validated proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A