Date Received: 2017-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt was settled and closed. It appears that its been resold to ERC to again illegally collect on a zombie debt. I did contact ERC about this issue with no response. Instead it was reported to both XXXX XXXX & XXXX as a derogatory mark on my credit score .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78201
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am appalled after checking my credit report and seeing this account in collections. I have been fighting this debt for over a year. After receiving notification from a previous debt collector of this pursuit being closed, I can not believe that yet again another collection agency is attepting to this collect that is not owed. If this debt can not be validated and a signed agreement sent then this collection needs to be removed from all credit reports. It is negatively effecting my borrowing potential and it is an unlawful practice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XXXX of XXXX I applied for an apartment. I was informed a debt for XXXX XXXX XXXX appeared for an amount of XXXX $ through ERC debt collection. I have n't had any XXXX XXXX XXXX services for a good number of years so I assumed it was fraud since it showed it was placed on my credit XXXX of XXXX . Upon talking to XXXX XXXX XXXX , the debt is from XXXX . It 's 7 years old a nd ERC is attempting to report it as if it were recent. I was never informed via mail of this action and only found out when I nearly became homeless from this credit reporting issue. The situation became extremely stressful as I have XXXX kids, XXXX of which is XXXX and we needed immediate housing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19607
Submitted Via: Web
Date Sent: 2017-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is regarding a {$71.00} XXXX bill from over 3-5 yea rs ago. This collection was paid in cash at a XXXX store in XXXX , XXXX on XXXX XXXX XXXX . This collection has been removed and relisted on my credit score 6 times in the past 2 years. This account continues to be sold, disputed, removed, and resold. My XXXX credit report shows that the current agency is marking my collection as a LATE PAYMENT as well as a COLLECTION. This is unlawful.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14701
Submitted Via: Web
Date Sent: 2017-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had XXXX satellite TV services they were no longer able to provide after I moved to locations the signal was not able to reach. I returned the equipment in the packaging they supplied, confirmed they received it and paid the final amount owed. Since then, XXXX continued to attempt collection, and repeatedly turns the account over for collection. The latest collection agent ENHANCED RECOVERY COMPANY, XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Reference No XXXX. About every 2-3 months, I 'm notified of another collection account and have to dispute it with the credit bureaus, who delete it until the next one pops up.This damages my credit history and scores, and necessitated time and aggravation while I needed to rest and heal while undergoing medical treatments. Please help to remove this incorrect information and hold these companies accountable for their inaccurate, sloppy and damaging practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2017-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced Recovery Corp is unable to collect in Texas. Sectio n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection i n Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. ERC opened a collections account on XXXX / XXXX / 2017 .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 758XX
Submitted Via: Web
Date Sent: 2017-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ERC non-compliance of federal law under the Fair Debt Collection Practices Act. ERC has failed to provide me with a copy of any viable evidence, bearing my signature showing the account is being reported accurately. As per FT C opinion lett er from Attorney XXXX XXXX XXXX , ERC should be aware that a printout of a bill or itemized document does not constitute verification.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received an alert for my XXXX credit report on XXXX / XXXX / 2017 that an account from Erc ( enhanced recovery corporation ) added a colllection account in the amount of XXXX dollars to my credit report. This collection account was added on XXXX / XXXX / 2017 . I was never made aware of this debt and have not received any written documentation concerning this debt or allowing for me to dispute this debt. I have never had a contract or relationship with ERC and believe they used unfair practices in reporting this debt without first providing me written notice allowing me to dispute this said debt. I 'm currently disputing this debt with XXXX .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2017-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX XXXX 2016 I saw a company calling themselves Enhanced Recovery Company come up on my credit report. They say I owe them {$420.00}. I received a phone call from them asking me if I wanted to pay to delete this off of my report. I told them this was not my debt. It 's been a year and it is still on my report messing up my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I do n't owe XXXX any money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2017-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A