Date Received: 2017-07-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: i received an alert on my XXXX & XXXX credit report that a collection was added on X/X/2017. The company Enhanced Recovery Co LLC and the amount is XXXX. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit report. I demand this account be removed from my credit reports immediately and be given the opportunity to dispute this alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a call from ERC collections stating that my XXXX XXXX account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. ERC and I came to an agreement of {$1200.00} to settle the debt. I made sure ERC sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my XXXX XXXX account. I called XXXX. They confirmed my account was in collections, that they were waiting on ERC to finish their part and that it usually takes one to two billing cycles to be complete. This was in XXXX and XXXX. It is now XX/XX/XXXX and I 'm still getting letters from XXXX XXXX telling me I have past due payments. This account was settled on XX/XX/XXXX with ERC so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if XXXX has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and XXXX or ERC should be required to fix it.
Company Response: Company believes complaint is the result of an isolated error
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Reviewed my credit reort on XX/XX/XXXX. Found XXXX XXXX XXXX had listed me delinquent for 2 months, never heard from them prior. On XX/XX/XXXX at XXXX called and spoke to XXXX XXXX to ask questions about information. They wanted my current address, I told them no they had my info from credit reporting agency. Was told I had to talk to dispute resolution and got transferred. At XXXX to XXXX XXXX who immediately when told what I was inquiring about advised me I had wrong department, gave me reference number XXXX. Transferred me to XXXX XXXX ( XXXX ) who transferred me to XXXX XXXX ( XXXX ). I asked for details and was told they could not give to me and I would have to write to -ERC XXXX XXXX XXXX XXXX Fl XXXX to get information. I said I would, then XXXX said I had to give her most recent mailing address or they would not respond. I had a XXXX XXXX account several years ago, returned equipment ( shows XX/XX/XXXX returned, but I know it was before then ) and after fighting about return, they listed me as delinquent on credit history. That finally went off my credit report. Now XXXX XXXX appears showing 2 months delinquent and today is first time I spoke to them or had heard from them. They should have to supply a detailed bill of what {$570.00} entails and since no prior business contact with me, I want them removed from my credit report immediately. Is it legal for XXXX XXXX to give my personal info ; including social security number to someone I have no business contact with?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40515
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ERC has suddenly appeared on my credit report. They have never once sent a letter or notice to me. They are unhelpful on the phone and will not verify the debt. I do not know what the matter is.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I DO NOT HAVE/NEVER HAD A CONTRACT WITH XXXX XXXX. I AM NOT LIABLE FOR THE COLLECTION OF THIS DEBT {$380.00} FROM XXXX XXXX.
I AM NOT RESPONSIBLE FOR THIS DEBT. *PLEASE CORRECT AND DELETE FROM CREDIT REPORT* AS SOON AS POSSIBLE!Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2017-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I do not have a contract with this company therefore I am not reliable for this debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2017-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I just received notice from ERC on X/X/17 in regards to an alleged debt owed of {$1100.00} to XXXX. Please produce validation. This would be the 3rd time that I 've requested validation of this debt of which XXXX continues to violate FCRA regulations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted ERC which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XXXX ; the second one was on XX/XX/XXXX, and the last one was made on XX/XX/XXXX. After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send XXXX evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. XXXX sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 00698
Submitted Via: Web
Date Sent: 2017-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced Recovery company failed to notify me in writing wit hin 5 bu siness days of reinserting a deleted collection account that once belonged to XXXX XXXX XXXX in XXXX 2017 . Not only did they break the law in failing to notify me, they reaged the account and changed the amount " owed '' on this collection account that I disputed and was deleted from my credit report. I have no knowledge of this account, please delete this inaccurate information from my CREDIT report it is making it extremely difficult for me to obtain credit. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2017-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX I paid in full {$390.00}, a collection to Enhanced Recovery Company ( ERC ). It was only in collection for a very short time but it was paid in full. ERC has this collection listed on my credit report as paid, but for less than full amount. This is completely incorrect. I paid this account in full. I sent two letters to ERC asking them to validate and change/delete the erroneous information. One on XX/XX/XXXX and the other on XX/XX/XXXX. I have not received any kind of response from them. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A