Date Received: 2016-05-19
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Recently reviewed my credit report an observed a collection account for the amount of {$200.00} from ERC in regards to a XXXX account. Contacted ERC and they stated that I owed a balance of {$200.00} for a past account. Informed ERC that I cancelled XXXX service in XXXX and ported my phone number to XXXX XXXX with my husband. My balance was paid in full and the last statement I from XXXX was a XXXX balance. Informed ERC that I am a current XXXX customer and began service with XXXX again in XXXX XXXX. My account is current a payment was submitted to XXXX on XXXX/XXXX/XXXX for the amount of {$180.00}. Also informed ERC that XXXX never sent a notice for payment of {$200.00}. Disputed the validity of the account with ERC and requested documentation of charges. ERC has failed to provide any documentation regarding account as of XXXX/XXXX/XXXX. I have contacted XXXX and they have no knowledge of a past due account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2016-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to XXXX. This account was documented in the Identity Theft report that was provided to XXXX on XXXX XXXX, XXXX. The account in question was for a collection company called XXXX XXXX XXXX for an XXXX account. On XXXX XXXX, XXXX XXXX removed this account. On XXXX XXXX, XXXX, XXXX added a collection account from a collection company called Enhanced Recovery Company. Enhanced Recovery Company is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police report. Enhanced Recovery Company has never sent me any notification of the debt for me to verify or dispute. I learned the collection through a credit monitoring service. I googled their contact information and called them on XXXX XXXX, XXXX. They claimed to have mailed a collection letter to an address that I have not lived at since XXXX. Enhanced Recovery Company also claims to have called me on several occasions but said Enhanced Recovery Company never left a message.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2016-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-17
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Consumer Complaint: I have been cursed and threatened by the agents with this collection agency and this has been investigated twice before and been removed from my credit report and I am tired of the harassing phone calls and annoying letters from a debt that I do not owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-17
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: ERC collection services, sent a collection notice to my parent 's address. I believe this was an attempt to avoid the mandatory validation period. My current address has been the same for 6 years and it can be verified on my credit reports. My mother just sent forward this notice to me on XXXX XXXX, 2016. This letter was sent to my parent 's house on XXXX XXXX, 2016. This was an obvious attempt to circumnavigate the validation process, by sending it to my parent 's address. Derogatory marks concerning this notice has appeared on my credit report. This is in violation of the Fair Debt Practices Act, because I never had an opportunity to seek debt validation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2016-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-13
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have noticed that Enhanced Recovery Corp has inserted a collection item on my XXXX credit report. It has an opened date of XXXX XXXX, 2016 and a last reported date of XXXX XXXX, 2016. I have never received any communication, written or otherwise, from this alleged creditor and have not received notice of my right to dispute. Their failure to send dunning notice within the 5 day period set forth in FDCPA 809 ( a ) is a violation of that section. I do not know this company, I do not believe I owe them anything, I dispute their claim on my credit report, and I demand that they stop all collection activity pursuant to the FDCPA, including illegally furnishing information to the credit bureaus. I have never agreed to do business with them, and they are not mentioned on any contract I 've ever signed with anyone. I demand full validation from them, including : 1. A copy of a contract between Enhanced Recovery Corp and myself with my true signature on it, 2. A full accounting of the alleged debt and the dates these events occurred, 3. Proof of assignment or ownership and a full chain of assignment, including what they have paid for this alleged debt, 4. A copy of the contract between me and the original creditor with Enhanced Recovery Corp mentioned showing that they had some interest to protect, 5. Proof that the alleged debt is not outside the statute of limitations, and 6. Proof that they have my consent to slander me on my credit reports, which has to be in writing with my signature on it. Without this proof, they must remove all traces of their slander from my credit reports. Under NO circumstances do I authorize or give any consent to Enhanced Recovery Corp to furnish any information to my credit reports, nor to take any actions that would result in an inquiry on my credit reports from their company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 499XX
Submitted Via: Web
Date Sent: 2016-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have talked to the first collection agency XXXX XXXX XXXX about this same debt and I have sent proof and documents that this account does not belong to me and its is not me debt, and they have since remove the account. Now I see on my credit report that another collection agency Enhanced Recovery Company or ( ERC ) sent me a notice in the mail on XXXX XXXX 2016 stating that I owe this debt. I am sending a letter along with this complaint to the CFPB and the FTC to say that this debt is not my debt and I never authorized any debt from XXXX nor ERC. This letter to ( ERC ) in response to an unauthorized traded on my Credit Reports. Be advised, this is a refusal to pay, because I never authorized or open any trade with your company or the original creditor, this is 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. I am starting to notice the deceptive practices that these collection agencies continue to mislead and deceive consumers and how nothing is being do n't to stop it. This is a violation of my rights under the FCRA and needs to stop.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2016-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Please have this removed from my account. the date i am showing it was opened is XXXX 2016 Balance : {$1200.00} Collection / Charge-off Open Account Negative Account As of : XXXX XXXX, 2016 Account Details Payment History Contact Info Account Number : XXXX Account Type : Collection Account Amount Past Due : -- Scheduled Payment : -- Owner : Individual Opened Date : XXXX XXXX, 2016 Original Balance : {$1200.00} Original Creditor : XXXX XXXX Creditor Type : Account in Dispute No that is all the info showing on my credit report. I was not with XXXX in 2016. I have been with XXXX since XX/XX/2016 and before that was an a friends account with XXXX. I believe this to be incorrect information and not something i should have effecting my credit report. please have this reviewed and please remove from my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97230
Submitted Via: Web
Date Sent: 2016-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Enhanced Recovery Corp. has bought a debt from XXXX XXXX. XXXX has reviewed my ID Theft Report and has seen I was a victim of Identity theft. XXXX XXXX. removed the account from my credit. Enhanced Recovery continues to report the account as mine
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2016-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In XX/XX/XXXX, I tried out a XXXX cell phone for a week, and returned it as per XXXX 's new customer agreement, and paid a {$35.00} return fee. In the next few months, I was called by this agency with a request for {$660.00} for the value of the phone and a month 's service. I explained the situation to them and called XXXX corporate and the store I got the phone at. The collection disappeared from my credit report, only to return XX/XX/XXXX as showing a month 's service, which I never had, having possessed the phone for one week only. I have tried to call XXXX corporate on three different occasions requesting a copy of said statement, and each time being assured one would be sent, but never having received a statement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2016-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-12
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Never had this service period
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2016-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No