Date Received: 2017-05-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a verification and validation letter of debt to both ERC and XXXX , letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another one of their stall tactics. The Collection account from " ENHANCED RECOVERY CORP '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since 2010. So m y question is, how is a collection agency that is not licensed allowed to collect a debt. Enhanced Recovery corp has violated my rights as a consumer, along with XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28304
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: THEY ARE REPORTING ON MY CREDIT REPORT HOWEVER, I WAS NEVER NOTIFIED OF THIS DEBT
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XXXX XXXX XXXX I took subscription for XXXX .Account number XXXX On XXXX XXXX equipment was shipped by XXXX . On XXXX XXXX XXXX send cancellation email. On XXXX XXXX confirmation email received of returned equipment Now I see on my credit report there is a collection filed on XXXX XXXX XXXX by XXXX for {$460.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91762
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On or about XXXX I ended closed my account XXXX . At this time there was a balance due of under ( {$500.00}. ) which I was told I would be billed for. I paid this bill on our about XXXX XXXX . Several month later the account was sent to XXXX collection agencies and this is now th e 4th t ime I have addressed this issue and the 2nd time wit h Enhance Recovery Corp. Th is account was previously removed on all three times from my credit report. I have supplied the documentation and proof of payment each time the last being in XXXX . I am prepared to file a harassment law suit for violation of FDCPA against XXXX and ERC if the account is not immediately removed from my credit report. The harassing phone calls that have begun have impeded on my work. I thought this matter was resolved in XXXX and I no longer have my documentation but ERC should because it was sent directly to them. The XXXX other collection agencies ceased all efforts after having been supplied the information and it appears that XXXX just keeps reassigning this PAID account to different collection agencies or ERC is attempting once again to collect.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Enhanced recovery company is stating I owe a debt of {$1500.00} opene d 2017. I repeatedly disputed this claim several times which was originally through a debt collector named XXXX XXXX system and was deleted from my credit report and 3 months later Enhanced recovery company added it back on. the reported information is incorrect. I 've sent my XXXX balance proof to XXXX XXXX XXXX . I have never received any paperwork from Enhanced recovery company stating I owe the debt or details of the debt. This false new activity from enhanced recovery company have caused m y credit score to d rop over XXXX points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all XXXX bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32909
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: as of XXXX or earlier XXXX was reported a {$570.00} balance, this is after I ended my contract with a XXXX balance in XXXX . I have asked numerous times for proof of the contract agreement and the finally bill and receive d nothing.. XXXX and erc are giving me the run around
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-29
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: I previously had a relationship with XXXX and ended it. They transferred my account to some collection agency, unannounced to me. Me and that prior company had arrangements and they removed it from my credit file. Now fast forwarding, I received an alert t hat Enhanced Recovery Company added ne gative information to my credit file. They never made an effort to send me a notice, call me or make some form of contact prior to adding this to my report. I have called this company 3 times in effort of resolving this and nothing. They simply have no resolution and the the agents that I speak to are rude.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2017-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against ENHANCED RECOVERY for re porting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The Compa ny : Enhanced Recovery Co L address: XXXX XXXX XXXX fl XXXX , placed a collection account for {$300.00} without notifying me that there was even an attempt to collect a debt or even information to dispute the collection. The company is in direct violation of the Fair Debt Collection Practices sect ion 809 ( a ). Validation of debts. The company has placed this negative mark on my credit reports and I would like it removed because it is hindering my chances to gain other credit and tarnishing my name that I have been working to clear in inaccuracies in order to maintain good credit.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2017-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This is bill os for XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action. XXXX removed from credit file company name : Sources XXXX removed XXXX XXXX XXXX removed XXXX XXXX , XXXX XXXX versified XXXX XXXX , XXXX Thank you in advanced
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2017-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A