Date Received: 2017-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I was notified by credit monitoring this debt of {$420.00} by Enhanced Recovery ( XXXX XXXX ) was added to my credit. I already had to file a complaint several months ago against a company that was trying to collect this debt that I had no knowledge of. It was deleted. I have had no contact from Enhanced Recovery in any shape or form just slapped in on my credit and I am about to buy a house. Another collection agency acting illegally and not following FDCPA. I do not owe them or XXXX XXXX any money. They also show this debt is from XX/XX/XXXX and was late 1 month ago. This is the last complaint I will file before I file against them in court
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2017-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I disputed this over the past several year even before the transferred it over to collections and still not taking it off my credit report someone stole all my information and open numerous amount of accounts in my name over the phone and internet I explained this to them
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27549
Submitted Via: Web
Date Sent: 2017-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I previously had a collections account successfully removed from my report due to it being a fraudulent account. Without any notice this same account was put back on to my credit with a different collector name. The only reason I was aware that this account was resubmitted onto my report is because I check it regularly via XXXX XXXX. I disputed the account but did n't have any luck with it being removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 15132
Submitted Via: Web
Date Sent: 2017-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I made an agreement on a pay to deleted with Enhanced Recovery Collection. I paid the debt over two years ago and they were to send all 3 credit bureau a letter to have this account removed from my credit report. As of today is showing as a negative collection on XXXX, which is affecting me trying to fix my credit score and report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2017-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Was told that upon payment ERC would forward to all credit bureaus a letter in regards to deletion from my credit report. Sent a dispute to XXXX and they deleted it however XXXX and XXXX has not done so or have not been notified by the collection company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85303
Submitted Via: Web
Date Sent: 2017-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am in the process of going back to school. Once my credit was pulled I noticed Enhanced Recovery Corporation reported to all three credit bureaus as a collection on behalf of XXXX XXXX. I contacted Enhanced Recovery Corp on XXXX and XX/XX/XXXX, both times the representative was very rude and not helpful. She stated it is my debt and I need to just pay it. I asked to please validate the account and she stated that has already been done. I am not aware of this company. I am in Tennessee and this collection agency is not licensed in the state of Tennessee. School will be starting in XX/XX/XXXX, can someone help me resolve this issue so I may continue applying for my student loan? Reported on XX/XX/XXXX Amount {$250.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXX 2017, I requested verification from this company of the debt that they claim I owe. They never responded to me, nor did they provide me with the requested verification. It has been 88 days since I requested this information and they have yet to respond to me. The alleged amount owed is {$28.00} yet I was never made aware of this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48503
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Today I checked my credit report and discovered that this company has reported that I owe them a debt. I never received a notice from this company that I owed them a debt. My rights under the FDCPA section 809 were viloated
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX has allowed someone to open a debt in my name that does not belong to me. I have submitted all documents to all companies and the credit bureaus. the companies has also forwarded the documents to XXXX XXXX XXXX. I have called XXXX XXXX XXXX and spoken with them personally to verify that they know this is a fraudulent account. XXXX XXXX XXXX continues to resell this account to different collection agencies to have them report this debt to my credit. they have had this debt re reported 3 times wile changing the amounts of the amount owed so that the credit bureaus will re-report. This is against the FCRA rules and i made XXXX XXXX XXXX aware of this and they still have this account re reported
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Spoke with XXXX XXXX Account # XXXX, he stated that this account would be deleted immediately. I informed him that I did not owe XXXX XXXX XXXX any money. The equipment that he was trying to collect on was stolen. Asked him for the phone number to a contact person at XXXX XXXX XXXX, so that I could resolve this issue with them. He refused to give me that information. He stated that he could offer a settlement amount. Not sure how ERC would try to settle on equipment that was stolen. Asked multiple times for information for original creditor, so that we could contact. He refused. He said that he would open a dispute and have this deleted from all 3 credit bureaus immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76111
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A