Date Received: 2015-07-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am currently attempting to purchase a home. Upon review of my credit report my loan officer contacted me informing me of a charge from XXXX that had been sent to a collection agency ( enhanced recovery ). To the best of my knowledge I have never had a contract with XXXX. I stopped by a local XXXX store to see if i could get more information on the account. The manager of the store assisted me by entering my social and drivers license numbers. He informed me that there was an account that had been sent to collections with my social but the names did not match up, the name that he was showing was XXXX XXXX. Afterwards I contacted the collection agency ( enhanced recovery ). I told the representative the situation and he was asking was there anyone with the information needed to take out an account in my name. I responded yes and he said that he would start a fraud investigation. My loan officer contacted me on XXXX/XXXX/2015 and informed me that enhanced recovery had determined the account listed under my name was mine because the name and social on the account matched mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28601
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX put me in collections after they agreed to cancel my contract because of bad service in the XXXX Fl area and it is now appearing on my credit report XXXX years after the issue was resolved.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: FL
Zip: 34990
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery Company is attempting to collect a debt on behalf of XXXX that : a ) is not a valid debt of mine because I cancelled service with them when they bought out XXXX XXXX XXXX and paid my final bill to XXXX XXXX XXXX ) is a debt that is XXXX years oldc ) re-aging the debt onto all XXXX major credit reports with an incorrect " place for collection '' date
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On XXXX XXXX, 2015 I received a notice in the mail from Enhanced Recovery Company , LLC stating that they were collecting a balance of {$710.00} that I owed on a XXXX account. I called this company at XXXX and spoke to XXXX XXXX, who verified my demographic information and social security number. I told her that I never had a XXXX account. She then told me I needed to complete a fraud package which she mailed to me. I went to the police to file a report on this. The PA state police called XXXX and verified that I never had a XXXX account. The Officer informed me that this collection agency is a fraud as the XXXX logo on the paperwork they sent me was counterfeit. I was advised to report this incident to FTC who referred me to this web site.
Company Response: Company believes the complaint is the result of a misunderstanding
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX XXXX claims I owe a debt of {$99.00}. XXXX XXXX XXXX originally sent this debt in XX/XX/XXXX to XXXX, a debt collections agency, and it appeared on my credit report at that time. When I contacted XXXX XXXX XXXX about the debt they reviewed my file and stated it was an accident on their behalf and that my account was paid in full and was at a {$0.00} balance. XXXX XXXX XXXX wrote me a statement which I sent to XXXX and they erased the debt and it came off my credit report in XX/XX/XXXX. Recently, in XX/XX/XXXX, the same debt of {$99.00} from XXXX XXXX XXXX showed up AGAIN on my credit report although it was with a different collections agency, Enhanced Recovery Company. I contacted XXXX again about this situation and they claimed they could n't help me because they never sent the debt to any collections agency. So I called Enhanced Recovery Company and they claim they can not find the debt in relation to me, not even with my social security number, so there was nothing they could do! But, the debt still appears on my credit report and is still bringing down my score! XXXX XXXX XXXX has sold a fraudulent debt to collections agencies and I am the one being punished!
Company Response: Company believes the complaint is the result of a misunderstanding
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hi, My name is XXXX XXXX XXXX XXXX - Original Account # XXXX had an account with XXXX XXXX XXXX for a mobile line, back in 2011. They started raising their prices so I closed the account and paid off what I was told. Four years later, XXXX XXXX XXXX reported this account as none paid, to a collection company named " Enhance Recovery company '' ; which reported this account to the major credit bureaus as none paid and damaged my credit in a greatly manner! ERC did not contact me by phone or mail. When I recently contact them ( ERC ), they told me that they were trying to contact me to the phone number that was given by XXXX XXXX XXXX, which I closed back in 2011, so would they contact me? Now, that BAD account will be in my credit report for many years. Just this pass week, I called them and I settled a payment in full to get rid of this account. However, they said ( XXXX XXXX XXXX and ERC ) that they can not erase it form my credit account. Is there any way that I could do that? I would appreciate if any company could get in touch with them and inform them that is not right just to damage someone 's credit with out any contact with them. Below, is ERC information:XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX Toll XXXX Hours ( Eastern Time ) :XXXX XXXX XXXX advance, thank you so much for your time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2015-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery Company, LLCFind a LocationPhone : ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXXXXXXXXXX : //www.erccollections.comFax ( XXXX ) XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Enhanced Recovery Company , LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. Sincerely, XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2015-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-28
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer Complaint: ERC is the company, first they say, I owe for this debt that I have no idea or clue what it is or if I even did it. then the debt is about 8 years old, and also threaten take me to court if I do n't pay.
Company Response: Company disputes the facts presented in the complaint
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-28
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I recently pulled all three of my credit reports sometime in XXXX. I noticed a collection account for Enhanced Recovery Corporation. I sent a debt validation letter on XXXX/XXXX/2015 and as of today I have received nothing to validate the debt. I disputed with all of the credit bureaus but they say its been validated. How is this possible if I ca n't get basic information such as a last billing statement or contracts signed by me for this account. I have had my bank account compromised twice in the last two years and need to know if this is legit or not.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: TX
Zip: 77365
Submitted Via: Web
Date Sent: 2015-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-27
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: I keep receiving calls about a debt I have no clue about
Company Response: Company can't verify or dispute the facts in the complaint
State: SC
Zip: 29720
Submitted Via: Web
Date Sent: 2015-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No