Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by ENHANCED RECOVERY CO LLC. While checking my credit report, it came to my notice that ENHANCED RECOVERY CO LLC has furnished an account XXXX on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by ENHANCED RECOVERY CO LLC will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or ENHANCED RECOVERY CO LLC, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: ERC has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX I had XXXX and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX I had already with my XXXX XXXX. Please remove this debt and stop calling me.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have had a so called debt with XXXX XXXX for over two years now. I returned their equipment, which they can't seem to locate. I then asked XXXX for a itemized bill showing what I owe them. After repeated calls a lot of wasted time they never provided me a detailed itemized bill. I am sure the company has a record of the many calls into them to resolve this issue. I gave up on resolving this issue, but I refuse to pay for something I don't owe. Now, the " so-called '' debt has been added to my credit report by a collection agency ( ERC ) ERC sent me a letter after I submitted a dispute to the Credit reporting agencies. Basically, ERC is telling me they can not find any evidence or specific facts to support my dispute. Which of course they ( ERC ) wouldn't since XXXX can't even provide me with any facts to support their claim. I am sick and tired of dealing with this and it's becoming a form of harassment. Please help. Thank you
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Fake company calling with with threats of legal action attempting to collect fake debt Enhanced Rec Co XXXX
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 a section 2also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Company Response:
State: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted Enhanced Recovery Service on XX/XX/22 and asked for a settlement amount and the representative told me they would settle for {$590.00}. I paid the amount quoted to me by the ERC representative. One week later I requested a payoff letter, instead of sending me a payoff letter showing that I have paid the debt in full or satisfied the debt I received a vague correspondence stating that I still owe them {$190.00}. The correspondence letter also reads as if the company has not received the payment of {$590.00}, in which I know it has because the automated system tells me that the debt is paid in full. Bottom line the company will not send me a proper payoff letter.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I called the company on XX/XX/2022 and settled the debt and I never received a letter in the mail. I was treated very poorly via phone when I called on XX/XX/2022. I was told that I can either receive the settlement letter by mail or email. I never received the email and called the company back on XX/XX/2022 to let them know I did not receive it. I requested to speak with a Supervisor and was verifying my mailing address. They had the wrong mailing address and I provided that to them the day I set up the payment arrangement to set up the debt. To this day I never received the letter via mail. They would say anything just to get me off of the phone. I called back one last time on XX/XX/2022. I asked if the debt would be deleted off of my credit and I was told that it will not be deleted even though the debt was settled.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC # XXXX XX/XX/XXXX {$270.00} XXXX # XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX # XXXX {$240.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX {$2400.00} THE FOLLOWING ACCOUNTSARE FRAUDULENT PLEASE DELETE
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 Account Enhanced Recovery Company XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A