Date Received: 2017-10-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I phoned XXXX XXXX because the agency is reporting a charge off of {$73.00} that it is also being reported in duplicate by Enhanced Recovery. The representative with XXXX instructed me to call enhanced recovery, when I called enhanced recovery they denied that they were continuing to report it. I believe that this account is being reported in duplicate and that the agency is in advertently reporting it and that the account is too old to be continually reported. Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account XXXX XXXX XXXX ERC XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 5 Years, 1 Months Credit Limit Not Reported Highest Balance {$73.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Enhanced Recovery Corporation reported new collection account to all 3 credit bureaus with a date of XXXX XXXX 2017 for an XXXX XXXX Account. No one from this company attempted to contact me prior to filing the collection account on my credit report to provide me with notice of the debt or to provide me with an opportunity to dispute the debt. 1 ) Correspondence requesting verification of debt previously forwarded to XXXX XXXX XXXX. 2 ) Collection account has been reported as new collection on XXXX XXXX 2017, reporting this as a new collection account which is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I just pulled my credit report XX/XX/XXXX when I noticed a derogatory mark opened on XX/XX/XXXX. I was XXXX at this time and was just released from XXXX on XX/XX/XXXX. I have no knowledge of this collection.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34982
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 2. Failed to provide copy of the original contact bearing my signature. This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2017-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Within the past month ERC has reported an XXXX XXXX XXXX bill to the bureaus, which has in turn been added as a collection account to my credit files. I do not have an XXXX XXXX XXXX account nor do I have an account nor contract with ERC. When ERC sent notice of such alledged debt I requested debt validation. They could not provide appropriate debt validation showing how I owe them for said debt, nor by producing any contract bearing my signature binding me to said debt. A bill from XXXX XXXX XXXX with my name on it does not fit requirements outlined by laws and regulations established via the FCRA. The alledged debt does not belong to me. This debt has previously been disputed and successfully removed from my report and reinserted by ERC who can not validate the debt as outlined by regulations of the FCRA. ERC must immediately cease and desist all collection activities and request removal of the non validated debt from my credit file with each Bureau they has falsely reported it to in order to prevent litagation to the highest extent possible!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2017-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ERC has informed me that they are handling a collection account for XXXX. The issue is that the date this debt became delinquent was before XXXX and they are reporting it now as a XXXX debt so that it will age current and affect my credit for longer than legally required. What they are reporting is false and XXXX is required to furnish truthful information and so is ERC.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After receiving a discharge letter from this company since this was a result of a missed appointment with a company i never signed paperwork with and refused to pay since I was under no contractual obligation to show up the company continues time and time again to place it on mt credit in hopes i will pay it. Extortion for a debt I do not owe. They are ruining peoples lives doing this. Please sanction this company from doing so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ERC has been credit reporting on a debt that I was not notified about. I was never sent a right to dispute letter prior to being credit reported.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A XXXX account was opened in my name and it was not me. I want the account removed off my credit I am not paying a debt that isnt mine. I didnt give anyone permission to use my name and personal information. I have already contacted the company and they are not trying to do anything to remove this account from collections, my name, and my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A