Date Received: 2016-10-07
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I was in the process of trying to get a mortgage and when a new credit report was pulled an account from Enhanced Recovery was reporting. I had a representative contact them because time if so of the essence. I currently have XXXX so I was surprised that they indicated they were collecting for XXXX. I would have paid this had I gotten notified but never did. My representative asked for a number to reach XXXX and was told they would not give the number. I have called several XXXX number and have gotten nowhere. What worries me now is how do I know this is truly mine? Like I said I have XXXX now and if they ca n't give me a phone number to contact the original company how can I know this is a valid account?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53590
Submitted Via: Web
Date Sent: 2016-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Noticed this collection showed up on my credit report end of XXXX. It 's not mine and is a part of my ID theft case. They refuse to remove this. PLease help. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2016-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Never notified me or gave me chance to resolve reported first in 2009 but now just reported it like it just occurred
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On XXXX XXXX, XXXX I received notification from Enhanced Recovery Service ( ERC ) claiming I supposedly owe a debt to them ( Doc A ) ; ERC did not provide me 30 days to dispute the validity of the debt. On XXXX XXXX, XXXX ERC reported that same invalid debt to the Credit Bureaus on my credit report ( Doc B ) to defamed my character and cause me grave financial harm. On XXXX XXXX, XXXX ERC again reported ( Doc C ), or updated the invalid debt to my credit report to cause me grave financial injury. Also per ERC reporting, the statutes of limitation have long been expired on the collection of this invalid debt. ERC reported a balance date of " XXXX XXXX, XXXX ''. There are several inconsistencies with ERC notifications that a reasonable person can not state ERC 's claim is valid. ( Doc A, B, C, D ). ERC is only doing this to cause me financial harm. ERC violated FDCPA and FCRA ( the Acts ) regulations. I will file separate legal action against ERC to recover damages for : defamation of character ; causing me grave financial harm in a Court of law. I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights. ERC violated the statutes of the Acts. This Agency has the authority and jurisdiction under the Acts to recover penalties on my behalf instead of filing legal action on my own.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2016-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-05
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I 've asked for the creditor to validate the debt by providing an itemized bill over a dozen times. During our correspondence they continue to harass and abuse me by calling me repeatedly at all times of the day offering to close said collection to coerce payment for a debt that I ca n't confirm to be true and valid. Despite these predatory and unlawful tactics they have now reported the collection to all three reporting agencies dropping my credit score from the high XXXX to the low XXXX. I have mailed them my rebuttals and their violations of the Fair Debt Collection Practices Act yet they still continue to with their unlawful ways.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I keep on getting calls from EHANCED RECOVERY COMPANY i do not know what debt they are trying to collect
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-05
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: ERC is fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This phone acct was fraud under my name as I did not open this account After numerous attempts with ERC as well as the credit bureaus, they have not provided me with proof such as my actual signature in opening this such account therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2016-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Upon review of my credit report from XXXX I noticed a collection account from Enhanced Recovery Co XXXX stating an amount of {$360.00} is owed. After contacting the listed bureaus I was informed to contact the reporting agency. Enhanced Recovery Co XXXX was contacted via certified mail requesting validity of this account. XXXX XXXX validation letter was signed and delivered on XXXX XXXX, 2016. Enhanced Recovery Co XXXX has yet to respond with proper documents bearing my signature. I have contract with this company nor the company they are representing. I request this collection is DELETED and REMOVED from all reporting credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: A long time ago I switched my phone services from XXXX to XXXX ( who happens to be owned by XXXX ) to lower my cost. XXXX continued to bill me for unknown charges after my switch. I had no legitimate debt owed to XXXX. I have continued my services with XXXX XXXX for more than two years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: There is a false record on my credit report from ENHANCED RECOVERY CORP stating that I owe XXXX DOLLAR to XXXX. I have never received any letter neither from XXXX nor ENHANCED RECOVERY CORP that I owe them money. In fact, my account with XXXX is current and I have always paid my bills on time. Additionally, XXXX has also verified that I do not owe them any money. Surprisingly, this false record on my credit report indicates that since XX/XX/2016, I have an open account with ENHANCED RECOVERY CORP.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No