Date Received: 2015-12-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: ENHANCED RECOVERY CORP, was disputed and removed off all my credit report only to show back up with misleading information. This account with XXXX was opened up by another person using my information fraudulently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-27
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Enhanced Recovery Co LLC had placed this negative items on my credit reports without notifying me. I would like Enhanced Recovery Co LLC to provide a copy of the document for which they had notified me by mail that was addressed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX before this negative mark was placed on my credit reports. Should this time sensitive document not be available, the trade line should be immediately deleted off the CRA. Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Lastly, it is disturbing that Enhanced Recovery Co LLC, placed this negative mark on my credit reports without notifying me by mail of my rights while I was disputing with XXXX in referrence to the same XXXX bill for {$1200.00}. XXXX collection company can not be collecting for the same debt, which it is in this case. I have enclosed copy of the document I received from XXXX dated XXXX/XXXX/2015, and Enhanced Recovery Co, LLC on my partial XXXX report dated XXXX/XXXX/2015 with Enhanced Recovery Co, LLC Date open XX/XX/2015.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2015-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I 'm showing on my credit report that I owe a balance to XXXX XXXX XXXX XXXX, but I never had phone service with this company. I do n't recall them notifying me about this situation. There is also no evidence to prove that I had service with this company. No billing statements or anything.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2015-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call from various numbers. When I answer they hang up. Once when I did talk to someone I was told they would be filing a lawsuit against me. So I asked them to send me something in writing and the have yet to do so. But, I keep getting these calls with no one at the other end. Here are the numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a XXXX account and the account was in barging with FTC which a complaint was submitted and responded to and so was the XXXX alerted and complaint was responded too. Which at that point due to sprint negligence with the FTC and XXXX this account needs to be removed. Documentation and proof is provided.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2015-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received a letter of collection from ERC, this past week, stating I have an outstanding balance with XXXX XXXX XXXX of {$820.00}. I have NOT received a bill from XXXX, for ANY balance. Because of a prior complaint, I filed with CFPB XX/XX/2015 with XXXX and XXXX, I have taken a look at my credit report, I do not at this time see any collection attached from XXXX or ERC. collection. XX/XX/XXXX, I did have to file a complaint with CFPB against XXXX and XXXX XXXX, XXXX who had placed a collection of over {$400.00} dollars on my credit report. I did not receive any bill from XXXX. after receiving explanation back from diversified thru CFPB, this was recently removed in XX/XX/2015, from my credit. I had spoken with XXXX XX/XX/XXXX, prior to the other problem filed about XXXX and was told I have " No balance with them. '' I do not have XXXX or any XXXX, listed in my name that I am aware of. Also due to the breech with the XXXX my social security number or other personal information may have been compromised. I would like CFPB to look into this with XXXX and ERC. I do not feel this is my bill. I have NOT contacted ERC because I am concerned, as too their legitimacy. I Do not want to continue to be harrassed by XXXX or any of their collection agencies. This is not my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40504
Submitted Via: Web
Date Sent: 2016-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: ERC Debt Collection agency is trying to collect on a debt that I no longer owe and they are threaten to place this debt on my credit report and is demanding I make a payment with them and I never establish a contract with this company at all, also they have been calling my work phone number and sending a bill to an address I never live at before. I feel like that is breaking the FCRA law and defaming my character.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2015-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I had XXXX cable service. I decided that I did not want to have their service anymore. I want into XXXX of their stores. I turned in all pieces of equipment. XXXX actually owed me money from me over paying my bill. However they somehow lost this piece of equipment. Failed to notify me of this issue and referred me to a third party collections agency enhanced resolution center. They have been harrassing me. Calling me eight times a day over an issue I 've spoken about to XXXX. They 're " researching '' the situation but yet I 'm still getting calls. Now XXXX is calling my roommate who nowhere in my contract with time warner is she listed or named or phone number provided. I worked as a collector for over a year. I know the laws this is harassment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78230
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-18
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: On XXXX XXXX, 2015 I sent a debt verification letter to the collection agency ERC. The agency answer the letter and sent me XXXX billings statements provide by Dish. The charge is for early termination plus state tax. ERC report the account to XXXX major credit bureau XXXX. I sent copy of debt verification letter, the answer of ERC and the bills.
Company Response:
State: PR
Zip: 00777
Submitted Via: Web
Date Sent: 2015-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-17
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX I verbally filed a complaint about daily harassment calls with FTC Consumer Fraud Division File XXXX XXXX XXXX XXXX on ERC Debt Collection Agency. A recorded message asking for " XXXX XXXX re claim XXXX XXXX. If I am not XXXX XXXX disregard this call if I am call XXXX XXXX XXXX. '' On XXXX XXXX I talked with a ERC rep and told them I am not XXXX XXXX and to stop calling. ERC continues to call daily. Times : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This is to update you with more info re my complaint # XXXX XXXX XXXX XXXX
Company Response: Company disputes the facts presented in the complaint
State: VA
Zip: 22032
Submitted Via: Web
Date Sent: 2015-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes