Date Received: 2015-12-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Reported a collection item on my credit for XXXX from 2014 ... I did not have XXXX service in 2014 and have not for at least 7 years. I believe I have disputed this before and gotten it removed but have not seen it in several years. Popped up again this month.
Company Response: Company believes the complaint is the result of a misunderstanding
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2015-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery Company is once again reporting on my credit profile for a debt that I do not believe to be my debt. If this debt were mine once again I need to be served with a dunning notice before a debt appears on my credit profile. I have not received a dunning notice nor have I received any verifiable proof of this debt linking this debt to me. It seems as if this company simply creates their own rules and do not follow federal or state guidelines. By law I can not have accounts on my credit profile that do not belong to me nor should I have debts on my credit profile that can not be verified. If this continues to happen I will be forced to take this process a step further in regards to the law and seek legal counsel about this company ruining my credit.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2015-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-10
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: This will be second time I have filed a complaint regarding a collection account that originated from an account with XXXX. The first complaint yielded the removal of the collection account. There are currently XXXX collections agencies attempting to collect this deal all reporting on my credit report. The amount they are attempting to collect is twice the amount that I allegedly owe. All of the agencies are refusing to speak with me other than to say that the amount owed is correct. With my name being unisex they dont beleive that I am XXXX XXXX. I have attached my final bill from XXXX {$1000.00}. All of the agencies are attempting to collect over {$2000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33990
Submitted Via: Web
Date Sent: 2015-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was just made aware by a credit monitoring alert that ERC or Enhanced Resource Centers, which shows up on my credit as Enhanced Recovery, has put a collection on my account for {$1100.00} on XXXX/XXXX/15. I have never been contacted by this company! And in fact this collection used to be owned by XXXX as a XXXX collections and they removed it from my credit in XXXX 2015 due to the fact that it is not a valid debt and the correspondence had been sent to an address I have n't lived at for 10 years, which is 6 years before I ever had XXXX. Not to mention what they claimed I owed was for receivers I sent back through the company 's mailing process and 2 months of service which I could n't have used since I cancelled it and I did n't have the receivers because I had moved from the service address.
Company Response: Company disputes the facts presented in the complaint
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2015-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On my credit report, Enhanced Recovery Company has a collection from XXXX XXXX XXXX for the amount of {$510.00} as of XX/XX/2015. I called and they said there is no information that they can give me besides the account holder 's name and address. The name is not my name and the address is not mine either. I have called XXXX XXXX XXXX and all their affiliates, they confirmed that there is no current or past account holder with my name, address or SSN.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2015-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Enhanced Recovery is reporting a Fraudulent XXXX account to my credit reports, this account was setup as a result of ID Theft and I have notified them of it and they continue to report the fraudulent info even after I requested they remove it under FCRA Section 605B and 623 ( a ) ( 6 ). I also gave them the case info for the lady that the Feds arrested that was selling all my info and fraudulent id documents as well! I am in the process of a home loan and if this remains it will stop me from getting a home and I will be forced to take civil action to get this removed right away!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 347XX
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-09
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I received a letter on XXXX XXXX, 2015 from XXXX XXXX to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. XXXX responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, ERC, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, ERC has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; XXXX day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had made a payment with my credit card to settle the debt owed. I have sent a copy of my credit card statement to ERC Collections showing my payment but they say their system shows no payment. They have wrongfully reported this to the credit bureau even though I have paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2015-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: Cable service was established in XXXX, Pa. using my mother 's I.D ... We have never lived in Pa. We are just now discovering this matter. We received a debt collection notice from a collection agency on behalf of the cable provider. This is truly a case of I.D . fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2015-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: We constantly receive voice messages from ERC, early in the morning, late in the evenings, during the weekends, for collecting debts we do not have. The voicemail give a reference number and we have been advised not to contact them as they would do anything to make us pay something we do n't owe. We are non-residents in the US and have no credits, no debts anywhere.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2016-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No