Date Received: 2017-09-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Enhanced recovery, is using threats to make me pay a debt that is not mind. I have contuned to requet for validation and verification of the alleged debt but to know avail. Please remove this false information from my files
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received several notifications from ERC regarding an XXXX XXXX XXXX XXXX account I never obtained with the company. Each time I received a letter from them I sent them a letter asking them to validate not verify that this account, in fact, belongs to me. All they send is a copy of one bill with no signature, no contract, no validation that this is my debt. In the letters I sent to them I have sent them this statement that shows that they ca n't just supply a bill and say that it is mine. Anyone can send a bill but can they validate it? As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have mailed them the last letter dated for X/XX/2017 requesting this information once again. If they fail to produce the contract with my signature then I will take the next steps as they are in non-compliance with federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Account was paid in full ; however, Enhanced Recovery/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2017-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a alert from XXXX stating I had a new collection account. The company never sent me anything to even find out if the debt was mines. On XXXX/XXXX/XXXX XXXX sold the account back to XXXX the original amount was XXXX. Now this new collection agency is reporting XXXX. It is against FRCA to change amount in order to publish on someones credit file. I do not owe this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2017-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 1. XXXX XXXX XXXX 2. ERC 3. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2017-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is the 4th or 5th time XXXX XXXX XXXX Has hired a collection company for a debt I do not even owe. this account is over 5 years old. I am sick and tired of proving I do not owe this debt.This will be the 3rd time I have reported this so called debt to the Federal Trade/CFPB. This new collecting debt company named ERC keeps calling and calling my phone about this debt i do not owe, I received a letter in the mail today from ERC Collections. stating they want me to settle this debt. for the amount of {$140.00} and giving me options on how to pay this so called debt. My account with XXXX XXXX XXXX was closed years ago after they tried to charge me for long distance that I did not use. They could not prove the charge, and I paid my bill with XXXX XXXX XXXX and I terminated their service landline. This is an ongoing problem from a company that is trying to muscle money from me that i do not owe. This letter from ERC is dated XXXX XXXX, 2017. and it say that XXXX XXXX XXXX is the original creditor ... ..And if this debt has been placed on any of my credit reports I will fight to have them removed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44319
Submitted Via: Web
Date Sent: 2017-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a validation of debt letter to the company on XXXX XXXX and they received it on XXXX XXXX. Since I sent that letter I have yet to receive any of the information that I request from them that shows i owe them a debt.. I called in and asked why I have not received anything with the information that I requested and they stated that it is still in dispute mode. According to the FCRA dispute are only suppose to last 30-45 days and i have yet to receive anything from them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2017-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried resolving this matter with Enhanced Recovery Company for over a month via postal mail and have yet to receive any response. I would like this alleged debt removed immediately from all credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been receiving phone calls about 5 per day all of them have a representative that gives me their name then demands that I verify information before they will give me any information. Today XXXX2017 I had to ask the representative twice before the representative said she was from ERC an accounts receivable company but would not tell me what company she was trying to collect with. I told her to mail me info to whatever address they had on file. I refused to give my personal information to them because I do not know who this company is or what they want since they refuse to tell me why they are calling. I want the calls to stop. If I owe money I want something in writing that I can dispute but I wo n't verify anything or give any info to a company that does not identify who they are and why they are calling. ERC is harnessing me and trying to get info under false pretenses by not telling me who they are and what they want.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 61021
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: IN XXXX of XXXX I sent a letter to ERC ( Enhanced Recovery Company DBA ERC/ Enhanced Resource Centers ) requesting a validation of debt reported on my credit report. ERC responded by sending me a unofficial history of payments from an account dated XXXX. There was no payment history sent from the original debtor, XXXX, nor was there any signed original contract to render services as I had initially requested. Further the dates showing services used by XXXX were dates in XXXX when I DID NOT have XXXX as a service provider. Furthermore, the corresponding letter indicates a " link '' to a Customer Service agreement which DOES NOT show my original signature. The information I requested from this creditor was NOT sent and now I am demanding this account be removed from all three credit bureau reports. Clearly they are not able to provide the information to verify this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85119
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A