Date Received: 2022-11-09
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information your company obtained to see if it's legit. I never authorized anyone to share my information especially when it's regarding my medical information so please send me validation and send by attaching them to your response. please note that I don't a verification but a validation containing the information listed in the letter
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I reached out to XXXX on XX/XX/XXXX to inquire about removing an old account from my credit profile. After speaking with the representative via chat, and advising they had this account with a balance due to equipment they failed to accept when I attempted to return. The representative advised they could credit my account for the equipment and would remove from collections. I was advised to wait XXXX weeks. On XX/XX/XXXX, I chatted with another representative to confirm account status. During that chat I specifically asked if they were pulling the credit account from Enhanced Recovery Collections, that representative advised yes and to continue to wait the time period provided. After the XXXX weeks advised passed, I reached out to Enhanced Recovery Collections to inquire if they received notification to remove from my credit profile, they did not have any note on file from XXXX. This interaction occurred on XX/XX/XXXX. After call with collection agency, I went back to chat with XXXX during this conversation he advised no note was placed on my account, and agent was not able to locate information and advised they could not assist. We had the same issue with my husband on they pulled his account from the same collection agency within a week. I have attached copies of chat transcripts and chat IDs to this case along with proof, with approval from my spouse, a copy of his report showing they do in-fact delete from the credit profile.
Company Response:
State: WI
Zip: 542XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC is the company that sent the collection notice, dated XX/XX/2022. My family does have a XXXX account but we pay it as family and each of our phones are under my husband 's name. The bill is for {$340.00}. I called the collection company on XX/XX/2022, and let ERC know this is not me and I am not going to pay it. The customer service gentleman said okay I will update the records. Thank you.
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are 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
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Enhanced Recovery Company has harassed me for over a year due to an amount of {$280.00} owed to XXXX XXXX XXXX. My mother put the services in my name and my consent was not given. I've told the company multiple times that I in fact did not know anything about this account but they are still expecting me to pay. They call almost every hour XXXX which interrupts my work day and as a military member, it has gotten me in trouble on a few occasions. I hope there is a way to resolve this to ease my growing stress.
Company Response:
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: The creditor violating my rights I have the right to privacy, a consumer reporting agency, can not furnish my accounts without my written consent
Company Response:
State: TX
Zip: 77020
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This a non existing company that report one month collection to the credit agencies is a fake company never ever had any debt, credit card, loan or any type of business with this company ENHANCED RECOVERY CO L Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Enhanced Recovery Company ( ERC ) has since proceeded to demand further amounts above XXXX fees. On XX/XX/20 I had called XXXX XXXX to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: ERC placed an unknown debt on my credit report. They have sent no dunning letters that I have received at my address. I do not prefer to speak with Collection Agencies on the phone as I know they will violate my rights. this is unfair and illegal. The debt in question was more than likely discharged in a bankruptcy and without basic information how can I get the correct documentation to them.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: You are also reporting a open status on a account that is closed please validate this information and DELETE IMMEDIATELY Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 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 legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A