Date Received: 2017-01-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt references an amount owed to XXXX that is completely false. Payments were made to XXXX prior to ending that relationship and starting service with another provider.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-22
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: A company called Enhance Recovery Company supposedly representing XXXX put a collections on my credit report at of XX/XX/XXXX saying they purchased a bill XX/XX/XXXX from XXXX which was allegedly from XX/XX/XXXX I have never received any communications from XXXX with threats of collections for a past due account and I have never received any correspondence from this collection company ERC they have violated section 809a of FDCPA. I still have not received any written or verbal communication from them and XXXX can not find this account that I am supposedly liable for I have had XXXX for 4 years as an individual account so this is ridiculous and has negatively affected my credit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07644
Submitted Via: Web
Date Sent: 2017-01-22
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-22
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: XXXX XXXX NO CONTRACT
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2017-01-25
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery has added a collection from XXXX XXXX to my credit report. The debt is not mine. In addition, I have received no correspondence from Enhanced Recovery validating any debt I owe to XXXX XXXX XXXX or verifying that this is my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2017-01-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Enhanced Recovery Corp. reported a debt in the amount of {$220.00} on behalf of XXXX XXXX XXXX to the XXXX major Credit Bureaus ( XXXX, XXXX, XXXX ). I paid the amount ; however, the delinquency date reported is inaccurate and is affecting my credit score immensely. Enhanced Recovery Corp. is refusing to correct this since they 've already been paid. Prior to Enhanced Recovery Corp. a different collection agency was contracted by XXXX XXXX to collect. This debt has been moved around by numerous collection Agencies. The year of delinquency should be 2013.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2017-01-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-20
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I discovered this collection on my account so I call the agency to ask questions and dispute the collection. So far I have called XXXX twice about the matter to resolve it. They have not done anything to help they said they would send out a fraud packet to fill out and they would remove it. So far all they have done is send me a bill. I sent a written letter asking them for verification of debt and validation of claim but no luck. Please help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 407XX
Submitted Via: Web
Date Sent: 2017-01-30
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-19
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: ERC reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt ERC say I owe you. I am requesting proof that I am indeed the party ERC is asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform ERC that if their offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by ERC or the company you represent, I will not hesitate in bringing legal action against ERC and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put ERC in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to continuing filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If ERC fail to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that ERC and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims 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. Please provide the name and address of the bonding agent for ERC in case legal action becomes necessary. Your 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. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76135
Submitted Via: Web
Date Sent: 2017-01-23
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-19
Issue: Incorrect information on credit report
Subissue: Information is not mine
Consumer Complaint: I checked my credit report and do not know what this debt is on my credit. I did not authorize and have never had service with this company its fraud
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off this bill with XXXX with a XXXX visa gift card in XX/XX/2015. XXXX claimed they never recieved the payment. I emailed and faxed over proof of payment. They continued to ignore and placed it into collections. The collection was FINALLY removed 3 months ago, but now it seems as it has resurfaced. This is damaging my credit. I WILL SUE XXXX!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2017-01-17
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No