Date Received: 2022-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I filed a complaint with CFPB on XX/XX/XXXX I have recieved 2 letters from Collections companies who were unable to send me written verificaion stating the account belongs to me. Ive called XXXX and tried tp upload documents so these accounts can be removed but they have put a time frame on it so if you dont upload it in the small time they give you it kicks you out the system. Once i knew that i finally got it thru. I ve also called XXXX and the representative told me they had no way of uploading the documents and i would have to send out another certified letter which all these letters are costing me. I asked the representative i know they dont open all the letters and that was the reason for my call to get it handled over the phone so my letter wouldnt just be sitting there. He was unable to help me. Im uploading the letters from Enhanced Recovery and XXXX. XXXX, there did not send me any of the documentation i asked to prove these accounts belonged to me. XXXX sent me a letter that i dont even have an account with. Also enhanced recovery sent me a letter asking that i send them my personal information!
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I mailed the debt collector ( Enhanced Recovery LLC ) a debt validation letter. I have not yet received any communication from them. They are still reporting the debt to the credit Bureaus. On XX/XX/XXXX which is the deadline for Their 30-day validation window. If I do not receive a proper debt validation that proves they are legitimate owners of the debt along with a signed contract or official document where I stated I am taking on the debt. Then I would like the collection taken off all credit reports and stopped being pursued in my name as is my right under the Fair Debt Collections Practices Act ( FDCPA ).
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: According to the Fair Credit Reporting Act, ENHANCED RECOVERY CO has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The statement dated XX/XX/22 has a settlement amount due of {$300.00} to settle for less, the amount of payments on that statement is {$280.00}, which is incorrect I paid XXXX ( which you can see with the portal paid to date ) with the last payment made XX/XX/22 which should have settled the debt. Now XXXX they are saying the new settlement amount is {$400.00} to settle. This should have been settled with the {$330.00} that has been paid.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery is reporting a fraudulent collection account to XXXX, XXXX, and XXXX. I have never had any past service with XXXX XXXX XXXX XXXX XXXX Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake. I filed a fraud report previously to FTC regarding this account and it was removed from my credit report with all 3 credit bureaus previously. XXXX XXXX FTC Report # XXXX Submitted : XX/XX/2022
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX have disputed this debt on my credit report with the company enhanced recovery company. The company went through the investigation and promised to remove debt from credit report & did remove the debt from my report however the debt has returned and this is not my debt.
Company Response:
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instuctions
Company Response:
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery COL - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under XXXX XXXXXXXX of the FCRA. This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A