Date Received: 2016-10-14
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: Checking my XXXX credit reports, it has been noted a credit collection company by the name, Enhanced Recovery Company, Enhanced Recovery Corporation, and ERC, is reporting a debt bought from ( XXXX XXXX, in the amount of {$170.00}. XXXX, XXXX. ) On XXXX, XXXX, Claims they received said account for collection. I never received any communication or letters from this agency. I have resided at the same address for over 6 years.This account is now Open with XXXX of the credit reporting agency, dated XXXX, XXXX, and XXXX agency as Closed, as of to date. XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX ( open ) collection, XXXX date update : XXXX ( closed ) XXXX date update : XXXX ( open ) collections under ERC XXXX date update : XXXX/XXXX/XXXX ( open ) renewal/installment. XXXX reporting agencies now showing different remarks Collections/charge off Closed Renewal/installments Under the Fair Credit Reporting Act, this is illegal. ( Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer unfair and unjustifiable practices information contained in the files of consumer reporting agencies ). There are multiple inaccuracies in my credit files. Verification of debt must be clear and sent forward or said collection deleted from my files.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2016-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Some used my social security number to get a XXXX account ( fraudulent account ) and did not pay. I contacted ERC informed them it was not my account to remove it from my credit. They requested proof with my credit report, ID and SSN. They informed me via email I would receive a claim packet to complete in order for them to investigate to remove the item from my credit report. After waiting for a week I received no claim packet. I contacted organization again and am given excuses they can not discuss it with me because its not my account. It should be removed from my credit but they refuse to investigate and to remove the item.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: When I got a new home phone number the call started.they are looking for the former owner of the phone number.I explained this to them a number of times, but it has not stopped.in fact they have increased.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18360
Submitted Via: Web
Date Sent: 2016-10-17
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
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 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, XXXX 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: 32907
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A XXXX XXXX XXXX bill was paid in full in XX/XX/XXXX. A collection was put on my credit report to collect the debt in error. This debt has been disputed yearly since it first appeared in roughly XX/XX/XXXX. Each time this has been disputed, it has been found that I am correct and the collection has been deleted. Then, the debt is sold to a different collection agency, which puts another collection on my credit report ( which is disputed and then deleted ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2016-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Im currently in the middle of purchasing a home so Im watching my credit closely XX/XX/XXXX I get a collection account posted to my credit report from a company called ERC in reference to XXXX. I immediately notified the credit bureau to look into this matter because I have n't had any business with XXXX or ERC no phone call or mail stating I owe anything. The credit bureau did there investigations and deleted it from my file. It is now XX/XX/XXXX and I check my report and there 's another collection from the same company this time saying XXXX again in which I never even had business with XXXX or ERC this company is damaging my credit with false information. To my knowledge in the past if you owed an account the creditor will call and send you letters in this case I just been getting false information slammed on my credit with no phone call no mail giving me 30 days to validate the alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2016-10-10
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery Company has posted a fraudulent debt that has affected my credit. I contacted the company after monitoring my credit score. Upon speaking with a representative I was informed that I had an outstanding debt with XXXX XXXX XXXX from the year 2011 that they were now in charge of collecting. Before I paid I decided to call XXXX XXXX. They informed me that I never had any such debt and that I was, in fact, not a customer during this year. I three way called the collection agency with the XXXX XXXX representative. They transferred my call 5 times before hanging up on me. I called the company back and explained that XXXX XXXX had never issued any collection information to them. They insisted that there was a debt. I again contacted XXXX XXXX cable to obtain records showing that I never owed any such debt. I called Enhanced Recovery Company again and was told they would still collect debt even with documentation from XXXX XXXX XXXX stating that I never owed the debt in the first place. I am at an ends as to what my options are.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78216
Submitted Via: Web
Date Sent: 2016-10-10
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: In the matter of : XXXX XXXX XXXX Chapter XXXX Bankruptcy Case No. XXXX Discharge Date : XXXX XXXX, 2014 After reviewing my credit report I have found information, which needs corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. The account ERC is illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, IL XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. I am requesting that the item be deleted to correct the information. Thank you for your assistance with this matter. Here is the contact information for my bankruptcy lawyer XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Arizona XXXX XXXX : XXXX Fax : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85050
Submitted Via: Web
Date Sent: 2016-10-10
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-10
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have been a customer with XXXX and with XXXX since XXXX. I have been on autopay since that time and have been current on my bills. I have recently tried to refinance my home. However when the lender pulled my credit a collection from XXXX pulled up. After a number of calls to XXXX as illustrated below I have come to the conclusion that in XXXX someone from XXXX without my knowledge opened an additional unauthorized account trying to combine my XXXX with XXXX. During that time XXXX continued to bill me from my account # XXXX ( XXXX the XXXX digit # at the end ). Of which I am still current presently on this account. Apparently for the months of XXXX XXXX through XXXX XXXX XXXX opened the additional account to cover XXXX without letting me know. It took an immense amount of calls to find all of this information, each time finding out small tidbits here and there. If I called their billing department and asked for a supervisor they would transfer me to their finance department instead of their supervisor and then the finance department would pressure me into paying the outstanding amount of {$230.00}. However I had to explain on numerous occasions that it would still show as a paid collection on my credit for 7 years which most reps did not understand. I am happy making the payment but am asking for a Payment for Deletion letter as XXXX violated the Fair Debt Collection Practices Act and had an illegal collection. One rep even told me that even though they made the mistake it was my fault for not noticing this. This is not the first time XXXX has done this to me either. In another instance they opened another account without my authorization that included landline phone bill charges, even though I do not have a landline phone setup. However that is another issue and not the reason why I am writing this, simply pointing out the discrepancies of this company. After speaking with XXXX billing and finance reps along with a few managers was finally able to obtain the information for ERC Collections as most reps had no idea what I was referencing since they could not find any additional accounts. When calling ERC they asked me for my address. I provided them my primary address as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. They told me that was not the address they had on file. The letters they had sent out were not even to my address, so again was failed to be notified. All that I am asking if that this be removed from my credit bureau 's and will be happy to provide the payment then. I do not want it to show as a paid collection, it should be removed entirely. XXXX keeps stating it is the responsibility of ERC Collections to do this where as ERC Collections states that XXXX is responsible for this. Please help me get this issued resolved. It will also be a way for XXXX to collect their money and prevent any more time for their reps and mine wasted towards this matter. Even though my account is registered in XXXX and has a XXXX number ( # XXXX ( -XXXX ) ), my cell phone plan is from XXXX. If I call in to their toll free number XXXX after typing in my XXXX area code account number it still groups me with their east coast line which states their call center is only open until XXXX EST and to call back again. I work here in XXXX until XXXX PST and call after I get off of work. If I call the store here in Arizona on PST they can patch me in to their west coast line to be connected. On XXXX I had to call XXXX different stores multiple times to get someone available in order to patch me in with their customer service. I had a total of 24 phone calls for 374 minutes and 1 store visit to resolve this and have not had any assistance to get this done. Please help me. Thank you! XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2016-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: After reviewing my credit report I found information, which needs to be corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am requesting that the item be deleted to correct the information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85050
Submitted Via: Web
Date Sent: 2016-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No