Date Received: 2015-04-30
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received a letter on XXXX XXXX, 2015 about a collection account from XXXX that was placed with Enhanced REcovery and I 've never had XXXX so after speaking to a representative she stated she would be sending the account back to XXXX office as a fraudulent account and once there had been an outcome, I would be notified. I never heard anything from XXXX nor Enhanced Recovery so I assumed the account had been resolved through the fraud department of XXXX. I never lived at the address on file for this account nor did i ever give anyone permission to use my social security number to obtain services in my name. This account was originally with XXXX XXXX 2 or 3 years ago and I disputed it and it was deleted immediately due to the account not being mine. I tried to refinance my vehicle and because there was a brand new collection reporting with this company I was denied for my loan and they they wo n't pull my credit again for another 60 days. I want this account deleted immediately due to never being notified of the ressolution of my fraud dispute before randomly reporting the accountto the credit bureaus. Also after speaking with Enhanced Recovery today I notified that it was no longer with their office and had been sent back to XXXX XXXX so there is no reson for it to be on my report as of today
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 754XX
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: 2015-04-30
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I checked my credit reports and see an item from a debt collector called Enhanced Recovery Company for the amount of {$450.00}. They list the initial owner of the debt as XXXX XXXX XXXX whom I have not been in contact with for 7 years. I contacted Enhanced Recovery by mail and asked them to verify the debt, who was owed, original date, their right to collect. Instead of responding to me they put the " open date '' on my credit reports as XX/XX/XXXX suggesting that 's the age of the supposed delinquency instead of my last contact with XXXX XXXX XXXX in XX/XX/XXXX. I want them to follow the FCRA and remove that line item on my credit report ( from all XXXX CRA ).
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2015-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-30
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I lived in South Carolina XXXX years ago and had XXXX cable. I paid my final bill and then never heard another word from them. Now, XXXX years later in another state that does n't even offer XXXX, I am getting hounded to pay a debt not only that I do not owe, but they are now reporting this debt on my credit report. I do not know how to make this stop or go away, Enhanced Recovery Services seems to have a habit of buying off bad debts and trying to collect on them. Please, please, please help me resolve this so I can buy the home of my dreams!!
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2015-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-30
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: It was told I have this phone account and I have never had XXXX services and I have had another provider for over 15 years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22193
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: 2015-04-30
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Enhanced Recovery located at XXXX XXXX XXXX, XXXX FL. XXXX states that a Debt from XXXX and XXXX XXXX. I never received any Debt Validation letter FDCPA XXXX - XXXX - XXXX XXXX, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Enhanced Recovery as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2015-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery Corp is reporting XXXX accounts on my credit report that do not belong to me. I have disputed these items several times. I have submitted fraud affidavits. In dealing with other companies I became aware that I must have been the victim of identity theft. A look-up of my names generates several different name and social security number combinations. I am requesting that Enhanced Recovery Corp delete accounts XXXX for {$1500.00} and XXXX for {$200.00} from my credit reports with all of the national credit reporting agencies. I would like this company to also cease all contact with me regarding these accounts that do not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
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: 2015-04-28
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have sent XXXX debt validation letters to XXXX Corporation. They have failed to respond to my requests. I do not recognize this debt and I would like to see verification of my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2015-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have sent letters to the company ( Enhanced Recovery Co ) as well as my credit reports but they said that it was verified to be mine. IT IS NOT!! I never opened this and also it is falsely reported since this account was reported a few years ago by XXXX XXXX XXXX for XXXX XXXX and was removed from my reports after I disputed in XXXX ( I submitted proof of removal ) now that XXXX XXXX was bought out this company is trying to say I owe this XXXX account- I do not. I NEVER opened either.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced Recovery inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from Enhanced Recovery has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2015-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been monitoring my credit report and scores continuously for the last two years. I noticed in XX/XX/XXXX that XXXX accounts XXXX under ENHANCED RECOVERY COMPANY ( XXXX from XXXX XXXX XXXX and the other from XXXX XXXX ) were on all XXXX of my credit report in collection status. This has dramatically declined my credit, so I started to investigate these alleged accounts. They claim the first account XXXX XXXX XXXX XXXX ) was placed for collecton on XX/XX/XXXX. They claim the second account ( XXXX XXXX ) was placed for collection on XX/XX/XXXX. I have lived with relatives, and have NOT opened any cable/cellular accounts in over 7 years. So I started the dispute process with all the credit bureaus.I disputed in XX/XX/XXXX, no changes were made. I disputed again, I got the next results on XX/XX/XXXX, still ENHANCED RECOVERY COMPANY did not remove or validate these alleged accounts The only change made was the DATE UPDATED date was updated to the day they received the dispute. Next I started working with a credit repair company, they sent out another round of disputes, I recieved the dispute results on XX/XX/XXXX. Unfortunately, ENHANCED RECOVERY COMPANY still did not validate the accounts or remove them and no changes were made. Now I am taking it a step farther. I am sending a certified debt validation letter to their company, of which I will keep the receipt. I will also be attaching the debt validation letter, and also the copies of the dispute investigation results over the past few months. I have also contacted the XXXX and your organization as of now. Please assist me with this matter. Thank you for your time.
Company Response:
State: TN
Zip: 37355
Submitted Via: Web
Date Sent: 2015-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes