Date Received: 2015-05-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In XXXX, XXXX I was temporary leaving in XXXX, Where I was a customer for XXXX for the period of XXXX month by the end of XXXX I closed the account and sent their equipment back in the XXXX mailer they provided. I move to my present address on XXXX XXXX, XXXX. On XXXX XXXX XXXX through XXXX XXXX XXXX went into my XXXX Consumer Report and report this account as collection for the amount of {$420.00}. I called XXXX and after speaking with XXXX customer services person XXXX XXXX XXXX, who stated that I own this amount from the services address XXXX XXXX XXXX XXXX, NY and the account was set on XXXX, XXXX with a last payment XXXX on XXXX, XXXX. I informed her that never leave in XXXX XXXX XXXX XXXX, NY. On the month of XXXX I placed a disputed with XXXX Consumer Report base on the information stated above was not requested by me nor leave in XXXX XXXX XXXX XXXX, NY as they indicated. The account was delete from my XXXX credit report on XXXX, XXXX as conclusion of the disputed. On XXXX XXXX, XXXX I receive a letter from XXXX XXXX XXXX where state the account was remove base on statute of limitations. On XXXX XXXX, Enhanced Recovery CO LLC report this account on my XXXX Consumer Report and XXXX Consumer Report making my FICO score to drop dramatically. Immediately I sent a certify letter requesting debt validation and informing that base on the Fair Debt Collection Practices Act this type of debt has Time-Barred. Therefore let this letter serve as notification that I do not wish to be contacted about this debt since a violation of the Fair Debt Collection Practices Act apply. Enhanced Recovery Company continue to ignore my request in this matter. Both XXXX XXXX and XXXX need to be examined for these bogus activities. My credit is good enough that I will not take the " hit '' of {$420.00} nonpayment with a notation that I dispute the charge. I am requesting an investigation on this matter and order to stop XXXX and XXXX in this spurious business conduct.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2015-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I was originally contacted by a XXXX debt collection agency in the fall of XX/XX/XXXX for payment of phones, services, etc for approximately {$1400.00}. I opened Case number : XXXX and thought the issue was resolved until a received another notice from a different collection agency used by XXXX today, XX/XX/XXXX ( a year and a half later ). I have never done business with XXXX and need your help to make them stop hiring companies to harass and threaten me with bad credit, etc. It is unfortunate that they sold devices to persons unknown but my suggestion is that they vastly improve their vetting/authentication process before giving phones to strangers. Thank you, XXXXP.S. I do n't really view this as " identity theft ''. I view this as XXXX making a foolish sales decision.
Company Response:
State: MI
Zip: 48067
Submitted Via: Web
Date Sent: 2015-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-04
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: On XXXX XXXX, 2015 I sent a certified letter to Enhanced Recovery Company to verify a negative tradline entered on my credut profile by this company. The certified receipt was signed on XXXX XXXX, 2015. Today is XXXX XXXX, 2015 and I have yet to receive any information to verify that this erroneous account being reported in a negative way to the credit bureaus under my credit profile. I was under the impression that a company is given 30 days to verify this information or it should be removed from my credit profile.
Company Response:
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Collection under a person with similar but different name was requested under my name. I have received the original invoice from the collection company ( Enhanced Recovery Company , LLC ) to confirm that this collection is forwarded to the wrong person. I have requested to dispute the collection company as well as XXXX on early XXXX 2015, however, no action is taken.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97124
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery Company , LLC has reported a debt in collections that is not mine on my credit report. I had it removed 3 years ago by XXXX, and on XX/XX/XXXX they reported it on my credit report again. I attempted to contact them to remove the collections account and they informed me that I should email them with a copy of my credit report because they could not locate the account. I emailed them a copy of my credit report on XX/XX/XXXX. They responded on XX/XX/XXXX stating they could still not locate the account and to provide additional information. I provided this information and they responded again on XX/XX/XXXX stating that they located the account and provided payment details. I then telephoned their location and they stated that I did not send any emails and needed to send an email. After stating that I had already did this, they hung up on me. I called back and talked to another representative and she stated that they had no record of any of my emails and could not help me with the matter. In addition to only being able to tell me how to pay the debt that was n't mine, they also stated they could not discuss the debt with me since I was not the debtor.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a notification that I owed a balance for XXXX from a collection agency, Enhanced Recovery Company , LLC. I called and paid the amount requested and asked the representative if this would be reported to my credit report. She stated NO because I paid it within 30 days. A few days later, the collection appeared on my credit report for all XXXX major reporting agencies. I called the agency again and spoke with a supervisor that told me the collection would be removed from my credit report. After another month, it was still reporting and I called the agency again. This time the supervisor I spoke with said they would need to listen to the previous calls and if I was told that it would not appear and be removed, they would take it off. He also promised to call back within XXXX hours which did not occur. This collection is still reporting on my credit file after being told XXXX times that it would not be added and would be removed. This collection needs to be removed from all XXXX major credit bureaus as promised by this company.
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I had a contract with XXXX back 2013 and quit the contract 2013 and paid off all my debt, ever since then i never had anything again to do with XXXX, only for me to see this year a collection agent sent me a note of debt from XXXX, then am preparing for deployment which i am now on deployment, the collectors threatened to report it to credit report, as i check my credit report i notice a negative report from the collectors about a debt with XXXX. I never knew this collectors and am not owing XXXX
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2015-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2015-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I contacted the collection agency and original creditor who have contacted me last year, in good faith, to inform them that they are attempting to collect from the incorrect person with a similar name. I checked my credit report yesterday and I noticed that this collection agency has placed this debt on my report as well as false information to the credit reporting agencies. I have never had an account with this agency or the original creditor. This here is a XXXX and last attempt for this company to remove all personal information including, false name, phone number ( s ), address ( es ) and debt they have furnished from all credit reporting agencies. This agency is in violation of of the Fair Debt Collection Practices Act Section 807. False or misleading representations [ 15 USC 1692e ] Section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Any attempt from this agency to contact me other than to apologize for ruining my credit and to remove their false information from my credit reports, will be seen and used as false statements of their misrepresentation that I owe them as well as false information provided to the credit reporting agencies. This agency has 30 business days to remove all information they have furnished to all three credit reporting agencies including, name ( s ), address ( es ), phone number ( s ) and false debt. If this agency does not comply with the law, I see no other option but to file legal action against them. Further, this agency has violated the of the Fair Debt Collection Practices Act Section 805. Communication in connection with debt collection [ 15 USC 1692c ] ( b ) COMMUNICATION WITH XXXX PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Due to their violation of the law, I, a third party, now have the consumer 's information including their debt, phone number, name and address. These violations need to be corrected immediately.
Company Response:
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2015-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I applied for a loan from XXXX different banks and found out that there was a charge off to my credit from Enhanced Recovery Co. XXXX , XXXX in the amount of {$93.00}. They were the XXXX co. that was hired by XXXX to collect a balance of a bill that I do not owe. I applied to XXXX XXXX on XXXX/XXXX/XXXX, to XXXX XXXX XXXX on XXXX/XXXX/XXXX, and to XXXX XXXX XXXX XXXX/XXXX/XXXX. The first XXXX were unsecured loans, with a 7 % interest rate as long as I scored a XXXX or better. The latter was a HELOC with an interest rate of 4.5 %. My credit score came in at XXXX and all XXXX said this charge off hurt my score. XXXX went to 8.9 %, and XXXX XXXX went to 9.4 % from 7 % specifically because of that charge off. XXXX XXXX XXXX denied my loan all together, sighting too many inquiries, most recent account opening too short, amount owed on revolving accounts is too high ( I 'm building XXXX homes and I use my cards as much as I can to finance construction till I can take draws ), and the charge off from Enhanced Recovery Co. On XXXX/XXXX/XXXX I returned to XXXX all their equipment in person to one of their centers. I handed XXXX in XXXX XXXX, XXXX a hand written letter and I verbally told her I wanted my service terminated as of that very moment. She took my equipment, handed me a receipt, and said it was done. I was under NO contract obligation. On XXXX/XXXX/XXXX, I get a bill in the amount of {$450.00}. I call right away ( I have all the dates names and times ) and dispute the fact that my service was to have been shut off. On XXXX/XXXX/XXXX, I get bill in the amount of {$650.00}. I finally got to speak to XXXX on XXXX/XXXX/XXXX who understood what was happening. His reason for the XXXX was that I still was using my comcast.net e-mail account and that was why I was being billed. I have XXXX other XXXX accounts that are still active today and were at that same time. My email is linked to XXXX of those accounts. I went back to the XXXX/XXXX/XXXX bill with the amount being {$250.00}. XXXX bills for next months services the prior month. I made a work sheet based on their billing on what I used up to XXXX/XXXX/XXXX. I added for taxes and all the other fees and I came up with {$150.00}. I sent them a check, and the next month I got a bill from them for {$92.00}. I refuse to pay for services I did not receive, including rental for equipment that I had previously returned. XXXX sent this to XXXX prior collection agencies, I spoke to them on the phone, and I mailed them copies of all my documents. I thought this was over with, and in XXXX of XXXX, I get another collection letter from Enhanced Recovery Co. I copy the same documents and send them to them. Evidently they discarded my documents and decided to put this mark against me on my credit report. Let me mind you I am XXXX yrs old and I have never mad a late payment to any one in my life. I sent them an e-mail over a month ago and followed up with a phone call and was told to wait XXXX days. It 's been XXXX weeks and it is still there.
Company Response:
State: PA
Zip: 19002
Submitted Via: Web
Date Sent: 2015-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No