Date Received: 2016-02-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I HEREBY DECLARE MY INTENT TO SUE. Despite my previous mail correspondence, your institution has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California XXXX. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. INCORRECT TRADELINES : 1. Enhanced Recovery Company ( ERC ) -- -Ac # XXXX # XXXX ... This item is inaccurate because the creditor nor ERC furnished proof that this debt is mine. I am requesting that the item be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report. I intend to file a suit against Enhanced Recovery Company and XXXX XXXX XXXX in small claims for removal of erroneous information on my credit report. In your investigation, I respectfully request that you forward to me a description of the procedure used to determine the completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2016-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-19
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Contacted company requesting debt verification but company did not respond to request. I did not have an outstanding debt with XXXX. XXXX went into my account and took money and ended up having to give me a credit. They solicited me to get service back and I refused. Had no knowledge of debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I receive several automated phone calls a week from Enhanced Recovery debt collectors. They do not name the person who owes the money. I do not have any overdue debts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95060
Submitted Via: Web
Date Sent: 2016-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I had opened a cell phone account and all my information was stolen due to my purse getting stolen. I had found out that the cell phone bill had been accessed by someone pretending to be me. They had changed the address on the account and began making insurance claims on the account and also made a PIN so I was unable to access the account. I had filed a police report and went to a store to prove I was the real owner of the account. I had did everything I could as well as provided the name of the purse who stole my things and the creditor still went after me. I had disputed this information on my credit reports last year and everything was removed and then XX/XX/2015 the creditor had added it back onto my credit again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60174
Submitted Via: Web
Date Sent: 2016-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-02-15
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: When checking my credit report I discovered a collection account for an old XXXX XXXX account through Enhanced Recovery Corp. in the amount of {$790.00}. I am a former XXXX customer. I switched service providers in XXXX of 2013. My records indicate that I notified XXXX of my decision to switch provides in late XXXX 2013. There is no way I owe XXXX over {$700.00}. I paid my bill up until then. Please note that I am disputing this collection and I am requesting ERC to cease and desist with any further collections on this account. Have ERC contact XXXX the original creditor and make them aware that I disagree with this collection. I have not received nor have I spoken with anyone from ERC or XXXX regarding this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2016-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-14
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Several years ago I started receiving notices from a debt collector for a {$9.00} charge to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX for this amount. My first step, as is typical when the first notice I receive that I owe any amounts is from a debt collector, was to send a letter to the debt collector asking for proof that I owe the money. I indicated, as is true, that I was happy to pay the {$9.00} provided they could prove that I actually owed the debt. I also explained that this was the first notice I had received that I owned XXXX XXXX XXXX {$9.00}. Apparently this is for long distance service, which I have no recollection of ever having long distance with XXXX XXXX XXXX and, since I have had a cell phone for more than 15 years, it has been at least that long since I have needed long distance service. I received no response from that debt collector but in a few months I got another letter from a different debt collector for the same amounts. I did the same thing with this debt collector that I did with the first and sent a letter asking for proof, committing to pay the {$9.00} provided it was actually my debt and they could satisfactorily prove it was mine. That debt collector sent a response that only indicated that the amount I owed was some much larger amount. No copy of a statement from XXXX XXXX XXXX, no XXXX XXXX XXXX ledger indicating a total amount owed and a payment made that was {$9.00} short, nothing. After that I heard nothing for a long time. But now, I have recently gotten a bill from XXXX debt collector. Additionally, I have noticed on my credit report that they have reported to credit bureaus that I am behind on a payment. Apparently I am going to have to get the CFPB involved to get this resolved. I reiterate, I am happy to pay the {$9.00} if they can prove that I owe it. I wo n't pay any other fees since no one ever bothered to provide me with a bill that shows I actually owe the money. I also want my credit report cleaned up. I never neglected this payment or any request for payment. XXXX XXXX XXXX neglected to bill me for it and XXXX different debt collectors neglected to respond to my request for proof. That does n't make me behind in my payments. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2016-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: To whom it may concern, I 'm being improperly sent to a collections department by XXXX in regards to a case that dates back to 2012. I have sent numerous E-mails and placed numerous phone calls to XXXX with no response or resolution with my concerns. The issue at hand is that they are attempting to charge me over {$800.00} for a phone that was under warranty and sent back to them. As I refused to pay their felonious charges they sent me to collections. I successuflly had the first XXXX or XXXX collection companies removed from my credit as I contested their collections and stated my case to the various credit agencies. Low and behold the account has been sent to another collections company. I never received anything in writing from the new collections company and only found out when I applied for a refinance on my mortgage. The collection agency is Enhanced Recovery Company and has numerous complaints against them for similar tactics. A simple google search of their company and XXXX will find that there are numerous other people who have experienced the same issues that I have.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60102
Submitted Via: Web
Date Sent: 2016-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Recent monitoring of my credit reports shows an account XXXX listed by enhanced recovery collection agent in the amount of {$1700.00}, from a original creditor, t mobile, i hereby dispute that this account is in error, unverifiable and inaccurate and should not been reported to the my credit reports, i have not receive any correspondence about this debt from XXXX or the collection agency verifying this debt and providing contractual agreement bearing my wet signature and identification. Reporting of inaccurate information from debt collectors to credit report is against the fair credit reporting act and i demand that this issue be addressed immediately, i demand that such report be removed from my credit reports immediately, i also demand verification of debt from the collection agent providing with the contract with the said creditor bearing my wet signature and identification and itemization that amounted to said amount reported on my credit reports, failure to do so will warrant a legal action for defamation of my credit report and unscrupulous means of collecting debt. The items reported to XXXX and any other credit reporting agency should be removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2016-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX is saying no is no past due balance on my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2016-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have called several times, I 'm trying to get a mortgage and XXXX of the credit companies show this debt as paid and XXXX does not. First lady I spoke to said she would have a letter sent out showing the debt paid. I waited a week and called back. The guy I talked to was so manipulative, trying to get me to say I did n't pay it. Then he told me he did n't know what the status was but he could n't collect the money so I repeated I do not owe you any money because you do n't have an account for me. He knows he 's being recorded so he would not say anything. Although at the beginning of the conversation he told me it shows its been paid off. All I wanted was a letter showing it was paid off, now I feel like they are going to do something and try to get more money from me. Completely unprofessional and predatory.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98664
Submitted Via: Web
Date Sent: 2016-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No