Date Received: 2016-12-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I have no clue to where this collection came from I never had XXXX ever in my life nore did I ever sign up for XXXX and I want this off of my credit report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55105
Submitted Via: Web
Date Sent: 2017-01-03
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-06
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: Sent a certified letter to ERC on XXXX informing them of the Fair Debt Collection Practices Act, 15 USC 1692c, 805 ( c ) The letter was picked up on XXXX. Received another collection letter from them dated XXXX, in direct violation of above.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60156
Submitted Via: Web
Date Sent: 2016-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX agree to disconnected service after they try to raise price I send back their equipment and was told no longer owe anything, but the invoice was sent out by mistake.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2016-12-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, XXXX, FL XXXX Phone : 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 CO or any company associate with this account # XXXX 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 XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. 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 CO 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 SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, AK XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 99508
Submitted Via: Web
Date Sent: 2016-12-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-05
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: In XXXX of 2016 I disputed XXXX debts with ERC. In XXXX 2016 I received 3 letters back stating that they were ceasing collection and requesting that the account be deleted from any consumer reporting agency files. Well it 's now XXXX 2016 and XXXX has refused to comply with this request and even reinvestigated my claim. Their reinvestigation resulted in ERC " verifying '' the accounts, but I have letters stating they were requesting my accounts be deleted. I have not heard anything about the XXXX collection account XXXX which the original creditor was XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2016-12-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : 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 CO 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 : ENHANCED RECOVERY CO 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 DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2016-12-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This delinquent notice appeared on my XXXX account and stated this XXXX acct was opened this past XX/XX/2016. I do n't have a current XXXX acct at my current residence. I have n't received any notices or phone calls regarding the {$170.00} balance owed. I disputed this with XXXX but came back as being " valid '' '. I know for a fact this is not my acct and need this removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2016-12-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-04
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Consumer Complaint: left a message telling me the police would go to my home and my job to arrest me
Company Response: Company can't verify or dispute the facts in the complaint
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2016-12-04
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-03
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I sent Enhanced Recovery a Validation of Debt letter, that was delivered on XX/XX/2016. According the FDRC laws a creditor has 30 days to complete their investigation and respond. Enhanced Recovery has violated the FDRC by not responding to the letter completely. The letter asked for proof the debt belonged to me and a copy of their license showing they are allowed to collect a debt in my state of residence. Non of which was produced.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2016-12-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I had contacted the debt collector on numerous occations and direct disputed it stating that a debt for XXXX was not mine. They were very rude the first 3 times. The last time I contacted them I had XXXX on a recorded line so they could verify that I was not the person they were trying to collect the debt on. I had asked them to get this debt off my credit report because it is not mine and it still is showing up and I am very upset that my credit score is hurting because of debt that is not mine. I want to know why it even showed up on mine. Do they not check SSN or Birth dates. Me and the other girl have similar names but not same birth dates. I am very upset and I would like an apology for the way I was treated by the company. I told them that and I got no response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2016-12-02
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No