Date Received: 2017-04-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced Recovery placed a collection account on my credit report prior to giving me a notice of my right to dispute, prior to reporting the debt.
Company Response:
State: NC
Zip: 27514
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: contacted collection agency advised that I never had an account and the didnt do anything. also disputed with XXXX with no results. this account is not mine. asked for validation that I opened the account. XXXX and XXXX has the incorrect birth year for me and I believe this belongs to someone else.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I wrote all XXXX credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing. XXXX wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me. Meanwhile XXXX wrote me and removed the error. XXXX and XXXX have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done! Please help!!
Company Response:
State: NC
Zip: 288XX
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My name is XXXX XXXX , I had a XXXX XXXX account with account number XXXX . My account with XXXX XXXX ended in XXXX of XXXX when I moved to an apartment that did not have a clear view of the southern sky, which per their rules resulted in the contract being canceled without penalty. Per their agreement, I was to send back the XXXX XXXX receiver and XXXX XXXX remote which I did during XXXX of XXXX . There were some issues with XXXX not realizing that I had shipped the box to them already and for some period of time they would call me about it, however in late XXXX or so after repeated conversation with XXXX , they realized that I did in fact shipped the receiver and it was in their possession. My understanding was that the matter was resolved. However I just discovered in XXXX of XXXX , XXXX has turned the account over to collections to Enhanced Recoverey Collections which has reported the collection account of {$290.00} on my credit report. The {$290.00} is for the allegedly unreturned XXXX XXXX receiver, despite the fact that it was returned. This is a debt I do not owe. I 've called both XXXX XXXX and ERC about this, neither are willing to remove it.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a collection on my credit report coming from Enhanced Recovery Group in regards to a XXXX account that I have no knowledge of. They are also not able to produce a contract for the supposed debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 384XX
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX / XXXX / XXXX received call at XXXX XXXX XXXX . Caller refused to give me the name of the company I asked 7 times on the recorded line. I then asked for a manager and caller hung up. I called back to speak to a manager who gave me their address which is misleading and deceptive as they are calling from XXXX a PA number but their address is in Florida. The manager told me that they buy telephone numbers to call people in other areas. I find this to be completely misleading and deceptive. The name of the company is ERC at XXXX XXXX XXXX XXXX Florida
Company Response: Company believes complaint is the result of an isolated error
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection notice from ERC dated XXXX XXXX XXXX for a XXXX account that is not mine. The collection notice is from XXXX account number XXXX . I mailed ERC a debt validation on XXXX XXXX requesting for them to tell me what I owe the bill for, how they calculated what I owe, to send me copies of any documentation that stated I agreed to pay what they say I owe, to give me copies containing my signature, their XXXX license number, and to cease all contact with me until they sent me the above documentation. I disputed the validity of this debt and still have not received any information from ERC regarding this account. ERC also contacted me on XXXX XXXX after they received my letter stating for them to not contact me. According to FCRA 1692g ( b ) If the consumer notified the debt collector in writing within the 30 day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ERC has not done this. ERC has violated the FCRA by not validating the debt as well as attempting to contact me by phone after receipt of my letter stating for them to cease contact unless provided with the information stated above.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I would like to file a complaint against ERC. I received a letter in the mail on XXXX XXXX XXXX from ERC alleging that I had an balance of {$870.00} with XXXX that remains unpaid and therefore my account has been placed with ERC for collection efforts. I was offered 3 different settlement options to settle the debt, unless I dispute the validity of the debt or any portion within 30 days after receipt of the notice or else the debt will be assumed to be valid by them ( ERC ) . I sent a validation of debt request letter XXXX XXXX XXXX by certified mail and the expected date of delivery was XXXX XXXX XXXX within the 30 days of receiving their letter. By law they have 30 days to respond with validation. Today is XXXX XXXX XXXX pass the 30 days I still have no validation as promised and they are still reporting this derogatory mark on my credit as of XXXX XXXX XXXX I have now sent ERC a Sworn Affidavit of Denial by certified mail scheduled to be delivered today XXXX XXXX XXXX also ; but if ERC offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found this is suppose to be Violation of the Fair Debt Collection Practices Act and Defamation of Character. I have had my identity stolen before so that 's why I 'm seeking validation which by law I have a right and by law ERC has a right to provide accurate proof which they have failed to do. Please beware that there are times that the debt is also used as a tax loss by the original creditor in this case ( XXXX ). That means the debt can not be collected at a later time as the collector would then obtain UNJUST ENRICHMENT. If, the debt can not be verified and validated by the debt collector ( ERC ) and the collector ( ERC ) continues collection activity I may have grounds to sue under the FDCP. When collection agencies are buying debt as an investment . Well that is what that little thing called Unjust Enrichment means and can be used in the court of law, if I ever needed to take it that far. An example o f Unjust Enrichment i s when a collection agency like ( ERC ) b uys a {$10000.00} debt for {$200.00} dollars, then conspires to reap benefits by denying consumers validation of debt request in a scheme to artificially inflate the balance due by adding penalties and interest of up to 200 or 300 percent. How can they be entitled to anything over the {$200.00} dollars they spent? How can ( ERC XXXX be entitled to {$870.00} when they more than likely purchased the debt for a lot less maybe even pennies on the dollar. This is a bad business practice, that 's why I need verification and validation. It was an investment to them and they rely on the consumers ignorance, financial distress and lack of legal representation to secure a judgment. The Fair Debt Collection Practices Act supports my right to demand a validation and verification of debt, documentary proof that I owe exactly what is claimed. The Act places this right in such high regard that the collector is prohibited from taking any collection action until the validation and verification is provided which it was n't. So If they do not, I can sue for a violation. To prove this is my debt in the letter I sent said can ( ERC ) please provide ALL of the following : Agreement with your client allegedly ( XXXX ) that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein ( I ) XXXX XXXX agreed to pay the creditor. Any insurance claims that have been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. ERC claim CAN NOT and WILL NOT be considered if ANY portion of the above is NOT COMPLETED and returned with copies of ALL requested documents above. I am not saying this is my debt or denying this is my debt I just want verification and validation. According to Michigan law, your creditor has up to 6 years ( f rom the date of your last payment ) to collect on a debt, including obtaining a judgment on the debt. So if this alleged debt is past 6 years from the last payment with the original creditor and if ALL of the following documents above ca n't be provided proving this debt is valid I would like all collection efforts to cease and desist and this account to be REMOVED from their ( ERC ) system IMMEDIATELY ; and a submitted deletion requests to the appropriate reporting agencies ( national cre dit bureaus ) s o this derogatory mark is removed from my credit report and something in writing sent to me that the deletion has been made.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act. After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Enhanced Recovery Corp. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) t o protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt an d HIPAA author ization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. XXXX XXXX XXXX XXXX needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Dates : XX/XX/2016 amount {$720.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I previously disputed this debt with XXXX XXXX on XXXX XXXX via certified letter to the Credit Bureau and XXXX XXXX . I received the letters from XXXX and XXXX that this debt was DELETED! Now ERC which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!
Company Response: Company believes the complaint is the result of a misunderstanding
State: IL
Zip: 60018
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No