Date Received: 2017-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2017-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I already submitted a complaint with CFPB - Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 I could not view the response from ERC ( enhanced recovery company ) as CFPB has issues with passwords.
The response was read to me from a CFPB employee. ERC states that : ( 1 ) the debt from XXXX is not owned by them. ( 2 ) they are acting on behalf of the customer - XXXX XXXX ( 3 ) they have put actions on hold until verification of account I contacted XXXX and have confirmed again that : ( 1 ) the account was in error. I had one account that I paid on. The other was made in error but had been already placed in collections AND that they SOLD the rights to the debt to ERC ( ERC claimed that they did not own the debt rights ) XXXX is also in a law suit right now in Idaho for creating accounts to consumers without the consumers knowledge or consent. ( 2 ) XXXX confirmed that they SOLD the rights to the debt to ERC. ERC is NOT acting on behalf of XXXX. ( 3 ) Immediately upon hearing from CFPB, ERC added another Collections hit to XXXX. ERC has been putting multiple hits to my credit reports, changing amounts and originators. They have lied when replying to the CFPB complaint. They DO own the debt rights, are NOT acting on behalf of XXXX and are not putting report on hold until they investigate and verify the information. I DO NOT OWN THE ACCOUNT THEY ARE TRYING TO COLLECT ON.Company Response: Company believes it acted appropriately as authorized by contract or law
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2017-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC contacts me and leaves call-center sounds on my cellular telephone answering service. However, today I was able to answer the telephone before it went to the answering service. The caller did not identify herself other than to ask for " XXXX XXXX, '' whom I promptly informed her was nobody known to me. She then hung up abruptly without explanation. I used a call-tracing service to determine this was ERC and asked them directly and through the Federal Communications Commission to cease and desist calling me as I am not whom they seek.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64119
Submitted Via: Web
Date Sent: 2017-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: So they say I had XXXX in 2015. I know for a fact I did n't so I asked for proof. Never received the proof. Then I dispute on XXXX XXXX and next thing it gets deleted bc I 'm sure they did n't get the proof either. But they changed names and it 's on there again. Now the are enhanced recovery company not ERC that got deleted before. They got away with changing their names and getting back on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2017-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a signed contract nor any contract with Enhanced Recovery Corporation. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX . I am not responsible for this debt with Enhanced Recovery Corporation. I called and spoke to a very rude representative and I requested to speak to a manager. I informed them that I do not owe this debt and asked for removal from all of my credit reports immediately. I was told that they would send me a fraud packet and I would need to send that back before they remove this unauthorized, unverified account that has no validation. They are reporting this account opening as XXXX XXXX , XXXX . I was not aware of this attempt to collect a debt before now, I have not received any notifications from them. They had an address that does not and has never belonged to me in their database. I informed Enhanced Recovery Corp.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I saw Enhanced Recovery Company on my credit report so i called on XXXX XXXX to pay the bill of {$230.00} and have a pay to delete letter sent to the credit reporting agencies. The payment was submitted. After a week i called back because they had still not taken the funds out of my account. I was told everything was fine and that it should be taken out shortly. 3 weeks after that i called back to be told that the payment was n't processed due to insufficient funds when there was more than enough money in the account to process the payment. When i attempted to give the payment information to pay again they refused to take down my payment information or send a letter out to the credit reporting agencies for a pay to delete as previously negotiated.
Company Response: Company believes complaint is the result of an isolated error
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a delinquent phone bill in XXXX, it has been charged off and should be dropping off of my credit soon. ERC/Enhanced Recovery Company continues to illegally re-age my account by closing it and reporting it as a new debt by either of their names. Same company and it keeps closing and re-opening the debt and the age of the account is being improperly represented on my credit report. Currently the debt shows it is only a little over a year old and is actively reporting negatively every month. I believe they are attempting me to bully me into paying a debt that has been charged off for years by purposefully harming my credit with " new debt. '' The first day the account became delinquent should be accurately represented and they should be stopped. This is n't the first time they have done this, last time I caved and paid the debt that was due to drop off and saw no improvement to my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX refuses to get bill off my credit. I have offered to pay but they show an amount of XXXX and only 7 percent paid leaving a balance of XXXX on the collection. Balance is wrong suppose to. Be XXXX dollars from services ended.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2017-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ENHANCED RECOVERY CO XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX The company listed above has placed a collection on my credit report as of XXXX XXXX , 2017 stating that I owe a debt to them in the amount of XXXX . The original debt was to XXXX XXXX and the debt was for less than the amount listed, this company has no legal authority to collect any debt from me and this should be removed from my credit. The original debt is alm ost 7 years old.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: ERC calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48088
Submitted Via: Web
Date Sent: 2017-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A