Date Received: 2022-09-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have never heard of or done ANY business with ENHANCED RECOVERY COMPANY They have no right to report anything on my credit report. If so then they should have validated the debt showing that I have an account with ERC that is in default. Further more, this issue is fraud and now in litigation to have the item removed
Company Response:
State: WI
Zip: 54130
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from ERC that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. ERC Original creditor : Balance details 0 % of this account is paid off Balance {$780.00} Balance updated XX/XX/XXXX Original balance {$780.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX
Company Response:
State: IL
Zip: 60124
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please see attached and provide the information listed below : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt. 4 ) The Agreement that grants you authority to collect on this alleged debt. Compliance with the request is required under both federal and state law.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Enhanced Recovery Co L and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX ERC collection agent I requested documentation from ERC about an Account that they are reporting on my credit report, this is my second time requesting information. ERC send me a copy of some agreement with a signature that does not belong to me. I dispute this with the credit bureaus and the claim it was verified. However, this account doesn't belong to me.
Company Response:
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Delete Collections from Enhanced Recovery Co L from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Best Regards, XXXX XXXX
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XX/XX/2022, I received a letter from ERC stating that I owe XXXX XXXX XXXX {$170.00}. I called on XXXXXXXX XXXX @ approx. XXXX and spoke with XXXX XXXX ( name given to me ) and clearly stated that I have never has XXXX XXXX XXXX. I informed her that I have never lived at the address in question and that wasn't my the SSN. Additionally, she stated that I would NOT get anymore notices. Well today, XXXX XX/XX/2022, I received another notice stating that I owe {$200.00}. I called and spoke with XXXX XXXX ( I think he said XXXX ) @ XXXX and he gave the same address and last four of the SSN, which I have never lived at the address in question and the SSN was incorrect, not belonging to me. How can I stop ERC from sending me this info? I have proven on two occasions that the bill does not belong to me. As I mentioned to both representatives, I have a common name and i assume that someone in the company looked in the phone bill and found a that name under XXXX, Ga, which there are about three of us with the same names but different SSN. Thanks, XXXX
Company Response:
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. The following account is not mine ENHANCED RECOVERY CO L Account Number : XXXX Date : XX/XX/XXXX Please remove it from my credit report. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the Description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. Thank you,
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit act ENHANCED RECOVERY COMPANY Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Enhanced Recovery has reported a deogatory account to my credit report that has also been reported by XXXX XXXX. I have asked both agencies for proof of debt and neither could provide.
Company Response:
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A