Date Received: 2016-12-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery Corporation has reported a collection on my credit report for a bill for service that was never rendered by XXXX XXXX XXXX in the amount of {$590.00}. I was never contacted by this company to have the opportunity to dispute the validity of this debt prior to it being placed on my credit report, which is a clear violation of the FCRA. Also, this bill has been disputed and removed twice each time by the credit reporting agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: ENHANCED RECOVERY CORP XXXX XXXX XXXX years in business Headquarters XXXX XXXX, FL 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 ENHANCED RECOVERY CORP or any company associate with this account 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 XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt XXXX 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 : ENHANCED RECOVERY CORP 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 SOC SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL 32907
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I filed a previous claim with CFPB ( Case # : XXXX and XXXX ) on XX/XX/2016. I have received another letter from a different debt collector regarding the same issue. The debt collector is ERC. The initial claim stated : I agreed to a one year bundle package with XXXX XXXX with a specific guarantee of quality of service. Specifically, I required a specific upload/download speed for my broadband connection in order to connect to a government XXXX connection in order to telework. At no time did I speak with a XXXX person until the technician arrived to install the equipment. The broadband connection routinely fell below the required speed to keep the XXXX connection which jeopardized my ability to telework. XXXX attempted to correct the issue, but all efforts failed. Consequently, I changed the provider of my bundled services. I contacted XXXX and advised them I was cancelling my service due to the above issues. I was informed I would pay an early cancellation penalty since I did not keep the service for the two year period. I informed the Customer Service representative I did not commit to a two year agreement and this was the first I was hearing from them. I did not receive any correspondence from XXXX at the time I agreed to the service with the XXXX representative. I received monthly bills from XXXX. I contacted XXXX several times after I cancelled my service to get an explanation to the charges. I returned the equipment in the prepaid postage container, but was not credited for the equipment. The remainder of the balance was said to be " unpaid charges to XXXX ''. I asked twice for an explanation and received the same explanation. I was then contacted by a debt collector, XXXX XXXX XXXX , XXXX . I explained the situation to them ; however, they persisted with repeated telephone calls and correspondence. I responded to The XXXX XXXX with a letter providing the details and copies of billing statements from XXXX and XXXX. The XXXX billing statement showed no balance due. I received a response from XXXX XXXX along with a letter from XXXX. The letter from XXXX stated the XXXX and XXXX statements were integrated and XXXX and XXXX removed the integrated billing option ( which occurred shortly after XXXX XXXX XXXX acquired XXXX ). The letter when on to state, " The account balance includes XXXX charges which were unpaid by XXXX. '' I sent a subsequent letter to XXXX XXXX stating the collection of unpaid charges in between XXXX and XXXX. I requested XXXX XXXX stop all communication with me and with my address, and record that I dispute having any obligation for this debt. I informed XXXX XXXX that if they stop collection of the debt, and forward or return it to another company, to please indicate to them that the debt is disputed. Additionally, I asked if the debt is reported to a credit bureau, or already has been reported, also report that the debt is disputed. I did n't hear back from XXXX XXXX. About six weeks ago I received a telephone call from XXXX XXXX XXXX. I returned the call and asked what this was in reference to. The agent stated she need personal information from me before I she could tell me what this was about. I refused to provide them with personal information and asked them to forward written correspondence. I continue to receive daily phone calls with voice mail messages. One of which was very personal in nature ( I have a copy of voice mail ). This past week I received written correspondence from XXXX XXXX indicating the debt was with XXXX. In addition to phone calls to my residence, I now receive phone calls to my cell phone. When you answer the call, no one is there, the phone clicks, and you hear dial tone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2016-12-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Enhanced Recovery Corp ( XXXX XXXX ). On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2016-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: At the time a " line was opened '' i was homeless i do have an older brother his XXXX now he had my papers and etc so he opened aline with out me knowing i was sleeping on sofas trains i havw proof of my homelessness.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2016-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-19
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Do not know what they are trying to collect for, have not had XXXX XXXX for years.Did not have them at the time they are trying to collect for.Have cotacted XXXX XXXX and they checked and told me that they have no record of owing them nothing
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2017-01-30
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Possibly a debt from a previous identity theft that has occurred and was handled by the State Attorney Generals office. This debt is not mine and I am not responsible for any part of it. This debt was attempted to be collected by another agency over a year ago. XXXX must give their employees extravagant XXXX gifts because I find myself being harassed by a second company on their behalf again this holiday season. If XXXX finds their coffers to be low they should probably consider bankruptcy or some other solution rather than harassing people who have never, and will never, do business with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2016-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: No knowledge of said debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2016-12-16
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2016-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No