Date Received: 2017-06-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Upon examination of my credit report I found an item listed to Enhanced Recovery Company in the amount of {$520.00}. I disagree with the item and so sent a letter vi a certified mail on XXXX XXXX requesting validation of the debt bearing my signature. I received no response from this correspondence and so sent a follow up letter on XXXX XXXX , 2017 . To date, I have still not received any response from my request. It is my belief that this failure to provide information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not validate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I 've disputed a collection fro m Enhanced Recovery Company over a year ago, and it was successfully removed from my credit history. The company has recently refiled the collection, with an inaccurate date ( XXXX 2017 ) after it has been absent from my profile for almost a year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2017-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had an account with XXXX for internet services While living in my RV at an RV resort during my move from one state to another. I moved the RV to family estate property and contacted XXXX about the move and asked to transfer services to the new living area. I continued to pay on the account as usual without fail and on time. Then XXXX tells me I owe and an account was delinquent. We ( XXXX and I ) on a phone conversation discover that XXXX created a second account instead of transferring the already existing account to the new town I moved to. Not my fault, not my error. Due to the mishandling of account and poor service quality I terminated my business with XXXX. The one account was paid in full and there was no issue there but XXXX put the account they erroneously made into collections. An account I never used nor had knowledge of. They then wrote off the account and sold it to debt collectors. Not ONE but TWO. XXXX XXXX and ERC ( enhanced recovery company? ) Both reported the negative information on my credit report AND for different amounts. {$120.00} for ERC and {$160.00} for XXXX. I disputed them when I discovered them and the credit burrows had it removed as it was duplicate. That was XX/XX/XXXX. On this day XX/XX/XXXX I get a letter from ERC now asking for {$590.00} or they will report it AGAIN on the credit report.
If XXXX wrote it off and sold it to a debt collector why are there two collectors reporting different amounts and how can a debt collector report a bogus claim multiple times? What is going on here? How is this kind of extortion allowed to take place? How can one item be allowed to be reported multiple times? As a 23yr XXXX XXXX veteran this is what I worked for? So a company that created an error can tell me to pay for a service not used under an account I never knew existed and then it gets reported to multiple debt collectors which in turn hit my credit report multiple times for the exact same thing that should n't exist in the first place?Company Response: Company believes it acted appropriately as authorized by contract or law
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2017-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have contacted XXXX XXXX XXXX over the pas t 3years. I h ave been trying to get the bill they are claiming I owe of {$790.00} taken care of. I contacted them because In XXXX when I had the Debt It was paid off and I returned equipment. XXXX the item is still reporting on my credit report as I have multiple time tried to inform XXXX XXXX I dont owe this debt. The account i s currently with Enhanced Recovery Corp. I hope you are able to help me with this old high amount debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85364
Submitted Via: Web
Date Sent: 2017-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: After closing my cable account with XXXX , they later sent me a bill saying that I did n't return merchandise but I DID. I did n't get a receipt from them when I returned the merchandise. I was n't advised to by the employee that I would or could get a receipt when I returned the merchandise. They later billed an additional {$130.00} the total ended up being {$300.00}, which was paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2017-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY Provide verification of the following : 1. The original Application or contract ; 2 . Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4 . Any and all canceled checks ; 5 . Original date of default and collection activity begin 6 . Whether you purchased the debt, and if so, the amount paid for the debt 7 . The date ( s ) the debt allegedly accrued ; 8 . An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2017-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX has sent me to collections for {$190.00}. The hit to my credit report was placed in XXXX 2017 for {$190.00}. That collection account is also tied to an address that I have never lived at in a city that I have n't lived in for over 20 years. It is erroneous and needs to be removed from all credit reporting agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2017-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i was checking my credit report and there was collection from ERC for a XXXX cellphone company for the amount of XXXX dollar and i never had services with XXXX i am with XXXX i did never go with XXXX how they can do that and they have no information about my birthday or ss number so how they know its mine theses bad
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48203
Submitted Via: Web
Date Sent: 2017-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the pro per steps, 1. notify creditors 2. police report 3. inform ed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. XXXX sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding. These companies disregard laws and dont care whos credit or lives they impact.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2017-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A