Date Received: 2015-04-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: A collection account from XXXX XXXX has been placed on my credit report erroneously. This account does not belong to me and I have been disputing the account for several weeks to no avail. The debt is being handled by Enhanced Recovery Company , LLC which has repeatedly provided me with incorrect information in regards to the steps to take to get the incorrect information removed from my credit report and they have not been helpful during this entire process. At this point my credit score has been affected as this incorrect information remains on my credit report.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2015-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Back in XXXX I was looking at my credit report and noticed there were some accounts that did not belong to me. XXXX of the accounts on my credit report that is n't mine is being reported by Enhanced Recovery Corporation. It is for an XXXX XXXX XXXX account. I disputed the account with the credit bureaus as not belonging to me because I currently have and have had XXXX XXXX XXXX for the last 7 years! I am a current client of theirs and do not owe them any money! Well I was shocked when the account came back as verified. When the account came back as verified, I called Enhanced Recovery to figure out how they were verifying the account. I spoke with a XXXX XXXX and asked for documentation on this supposed debt as well as an itemization of the supposed charges. I was told that " media '' would be requested and I would be provided with an itemization of these charges. 33 days later I still have n't been provided with any documentation and now I ca n't even get a straight answer as to what is going on as I am being transferred from XXXX office to another since they claim they have XXXX offices. I am no expert on the law, but I have done research on this type of thing and from the Federal Trade Commission 's own link to the Fair Debt Collection Practices Act, a collection agency has 30 days to provide validation of the debt or stop collecting the debt as it is not a legitimate debt. Enhanced Recovery has failed to validate this debt yet still refuse to remove it from my report. Furthermore, they ca n't even give me an excuse as to why they ca n't validate it or remove it. Actually, they do n't even talk to me much because they keep trying to transfer me to supposed supervisors who are always busy. They even went as far as to say they would give me the information to the president 's office and put me on hold for XXXX minutes before the line was disconnected. I may not have perfect credit, but I should not have to suffer illegal credit reporting for something that is not mine. I am a current customer of XXXX XXXX XXXX and have been for 7 years so how could I have a collection that XXXX XXXX XXXX themselves have not contacted me about? Enhanced Recovery is making my credit worse without proving that the debt is mine or even legitimate. Because they refuse to even talk to me, I am contacting you so you can investigate them as I am sure that I am not the only person they are doing this to. If I do not get a resolution on this I will be forced to sue them as I will not tolerate being treated like this. There are laws and just because they are collection agency does not mean they get to ignore the law.
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: I received a call from XXXX. On my caller ID on my Cell Phone, it showed as XXXX XXXX. I answered the phone to see who was calling. If it was XXXX, which I have never done business with that I can recall, I wanted to make sure I was on their XXXX list. The rep came on the line asking to speak to me. I said she was speaking to me. She wanted to verify my address " for security purposes. '' She never identified herself as being a debt collector, that she was attempting to collect a debt, or what company she was from. She only advised that the call was monitored and/or recorded. I do not recall the name. I did not have anything to write it down. I advised that without knowing the company she was calling from, I would not give any other information. She said she would notate and hung up. I called back the number to learn they are ERC. They are trying to collect on a debt that I owe to XXXX. When I asked if they are masking numbers, explaining that I got a call that was coming from " XXXX '' she said they have many numbers they use. Problems with initial call I received:1. Deceptive phone number usage. 2. Not identifying as a debt collector3. Refusal to provide company name when asked directly for it. I know for a fact that debt collectors have to identify they are attempting to collect a debt ( when I called back, the only way I knew they were attempting to collect a debt was when the person told me the company name ). I also know that they *have* to provide the company name when asked.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2015-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: From a cell phone account that I was added to as a user, but not the primary account holder. I was not the person that opened the account, or signed the agreement. XXXX attempted to extort me back in XXXX 2014, but when they realized that I was not the party responsible, they stopped. Apparently Enhanced Recovery has ties to XXXX in some way, because my score has dropped XXXX points while trying to dispute this. I was told that every time XXXX talks to Enhanced to try to straighten it out, Enhance refuses, and XXXX refreshes the debt and lowers my score. Enhanced has never attempted to contact me to resolve this issue. I call them, and they know that it is now my information, but they still wish to extort me. My score is so low now that I have begun suffering losses because of it.
Company Response:
State: CA
Zip: 90815
Submitted Via: Web
Date Sent: 2015-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Back in XXXX I reviewed my credit report because I was interested in purchasing a home and noticed there were several inaccuracies that needed to be addresses. XXXX of the inaccuracies was an XXXX collection that was being reported by Enhanced Recovery Corporation. It said there was a {$350.00} balance on an account that was opened in XXXX 2014 and reported as a collection in XXXX 2014. Because I did not owe XXXX any money since I did n't have service through them I disputed the account with the XXXX credit bureaus. The bureaus responded to me saying that this account was " verified '' and would be remaining on my report. Because of this so called verification done trough the credit bureaus and me not knowing what the next step to take was, I hired a company to call the collection agency directly and obtain this so called proof. I was present during the call to Enhanced Recovery Corporation and heard everything that was said through the speakerphone. Enhanced Recovery stated that it was an XXXX XXXX XXXX that was opened in 2014 and that a bill was left unpaid. I notified them trough my representative that I in fact did hire XXXX to provide me with XXXX XXXX. The very same day that I received the equipment and it was installed, I was told by their service technician that it was not going to work because XXXX was not able to provide a signal and therefore there was no service in my area. That very same day I returned my equipment and cancelled service with XXXX because they could not provide me with Service. I Have never been notified of any bills or collections by neither XXXX nor Enhanced Recovery Corporation nor have I received any phone calls about this debt. Because of this I notified Enhanced Recovery that I was disputing this account and that under the F.D.C.P.A. they had 30 days to provide validation of the debt as well as itemization on the charges. They have failed to provide any documentation and neither me or my representative have received any communication on this whatsoever. After the 30 days my representative spoke with ERC and their collector by the name of XXXX XXXX. Not only did they not provide us with any documentation, they wanted us to re-dispute the account to receive any documentation. When my representative informed her that under the F.D.C.P.A. the 30 days was already up and they either had to provide documentation or stop collecting the account for failure to validate she said this verbatim, " I am a debt collector and I do n't know about the F.D.C.P.A. '' At that point my representative asked for their supervisor and spoke with an XXXX XXXX. XXXX XXXX seemed reasonable and understood the situation. he gave us instructions to e-mail their compliance department at XXXXXXXXXXXX. He stated that we would get notified within 72 hours about getting thsi removed from the report. 72 hours later we do n't get a response ... My representative called in after the 72 hours and now we are being transferred around and getting hung up on. They are claiming that they have XXXX offices and therefore they do n't know what 's going on or who needs to be spoken to about this. Worse it 's been 7 days since the e-mail and I still have not received any documentation or phone calls regarding this debt but they are still collecting it and credit reporting it which is against the F.D.C.P.A. and F.C.R.A. At this point you are my last chance of resolving this amicably before I file a lawsuit against them for their multiple willful violations and fraud. Please assist me in getting them to do their job properly and stop collecting invalid debts.
Company Response:
State: CA
Zip: 93215
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Matter of fact there is no debt at all. After researching blogs online I came across, this company is a scam. My credit report is showing collection requested by XXXX. I called the XXXX and they very well confirmed that I 've no dues at all since I closed an account. My question to Bureau is, despite XXXX of similar complaints, how come this company is in existence. How to dispute and remove such disaster that has no roots ( base of claiming collection ). This is the company I am talking about. XXXX Why do they exist? Are they legit? And only combination ( pattern ) is with cable company only. That even is XXXX. This needs to stop. It took years to sharpen credit number and all of a sudden this disaster damaged number like anything. I never received any reminder or follow up letters as per law that tells that I owe any amount to XXXX. XXXX I paid it on time. This collection has came after a year and a half I discharged services from XXXX. Please do needful and please reply to my email, how can I remove this from my credit report. Thanks
Company Response:
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64152
Submitted Via: Web
Date Sent: 2015-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2015-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On XX/XX/XXXX Enhanced Recovery Company , LLC called me several times and sent a notice that I owed {$690.00} to XXXX XXXX XXXX. I had no responsibility for the debt and disputed via mail. I received another debt notice from Enhanced Recovery Company , LLC for {$330.00} on XX/XX/XXXX. Again, I have no responsibility for this debt and am disputing it. Obviously, the company is fishing for victims who will pay the debt for whatever reason. Can something be done to stop them? Thank you in advance for any help you can provide. XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2015-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-17
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I received a letter from Enhanced recovery regarding an alleged debt dated on XXXX. I responded to the letter asking for validation of the debt, I have attached the letter and copy of the tracking receipt. I have not received any validation to date but today I received notification on my credit report that the debt was reported. This is clearly a violation of federal law and a blatant of the Texas XXXX code. I will also file a complain with the Texas State attorney general 's office.
Company Response:
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2015-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes