Date Received: 2015-04-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhance collection company is showing in my credit report as representatives of XXXX. This account is not mine and when I call the collection agency they ca n't found records of it. Their phone number is XXXX XXXX XXXX XXXX XXXX. Enhanced recovery. So I want a letter from this company say that I have not debts with them and remove all the damaged they have done to my credit. An act to amend the Federal deposit insurance act to require insured banks to maintain certain records, to require that certain transactions in USA. The Fair Credit Reporting Act ( FCRA ) code section 1681 along with the Fair Debts. Please respond in the XXXX days period. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2015-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: received collections notice that company was collecting a debt for XXXX XXXX XXXX, offering me XXXX payment options, none of which equaled the amount I " owed ''. i called XXXX XXXX XXXX and verified that my account was completely up to date.
Company Response:
State: NV
Zip: 89408
Submitted Via: Web
Date Sent: 2015-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this charge in a XXXX store when closing my line. They claim they never got the payment and now added this debt to my credit report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-14
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: An erroneous entry has been made on my credit files with XXXX, XXXX, and XXXX by : Enhanced XXXX. XXXX XXXX, FL XXXX original creditor was XXXX. I had an account with XXXX until approximately XXXX XXXX. I cancelled the account due to billing errors that had existed Since XXXX. When the billing errors were initially discovered, I contacted XXXX customer service, and each time I was assured that the proper credits would be issued. The bill was supposed to be approximately {$110.00} per month, but each month I had to call XXXX customer service for credits and adjustments. I have notated conversations with XXXX on my bills, and I have digital recordings of XXXX telephone calls to XXXX. In these notes and calls XXXX Representatives acknowledge the billing errors, and agree to write the proper credits to correct the billing. However the credits were not issued as agreed. I cancelled the XXXX service and continued to pay {$10.00} per month as a goodwill gesture to give them time to correct their erroneous billing. I was never contacted by Enhanced Recovery with notice of my right to dispute this bill, even though a forwarding address was available to them. I discovered the alleged debt when it was reported on my credit files. On XXXX XXXX, XXXX, I sent a dispute to Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. IT was sent by XXXX mail, registered mail # XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX stamped received by XXXX. XXXX. I have received no reply to my request for records and verification of the alleged debt, or any answer whatsoever. On XXXX XXXX, XXXX, I sent another request for information and verification of the debt to Enhanced Recovery at the same address. This request for validation and investigation of the alleged debt was sent by XXXX mail, registered mail # XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX and was signed with an illegible signature. I have also received no response on this inquiry. Similarly, letters requesting verification of the alleged debt, along with details of the investigation process were requested of XXXX, XXXX, and XXXX by XXXX Delivery Confirmation on XXXX XXXX, XXXX. I received no replies. I am asking that as required by the Fair Credit Reporting Act, that Enhanced Recovery XXXX XXXX be directed to remove all information regarding their reporting of this from all credit reporting agency files as listed above. I am also requesting that due to their inability or unwillingness to respond to my inquiries that any and all reporting to any agencies including credit reporting agencies, Enhanced Recovery XXXX be directed to remove all reports regarding any transactions between XXXX and myself. Should Enhanced Recovery not furnish the Federal Trade Commission with proof of delivery, showing my Signature of replies within the time prescirbed by law that the Federal Trade Commission direct the removal of the reports as requested above and that they be fined according to the FCRA according to it 's stipulations. Thank you very much for your consideration.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2015-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-14
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Enhanced Recovery Debt collector re-aged a debt that had been placed over 8 years ago and lists it as new. XXXX rejected the complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2015-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced recovery placed a new collection account on my credit report. The original account was settled thrust XXXX on XXXX. XXXX telephone number is XXXX address XXXX XXXX XXXX XXXX Nebraska XXXX. Per my credit report the file states closed and paid with a, XXXX balance
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2015-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: When I was moving from XXXX to XXXX, I packed up the XXXX boxes, Once I moved in my new house, I called them and they sent me boxes to return the equipment. They received the equipment and never removed this from my credit report. They have used several agencies to collect money from me when I sent back all of their equipment. This is fraud and no one would listen to me.
Company Response:
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2015-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: The debt being reported on my credit report is a corporate debt. My name is XXXX XXXX XXXX, I once owned a XXXX with a separate tax ID known as XXXX XXXX XXXX, XXXX. I opened a XXXX account in the corporations name, with NO PERSONAL GUARANTY. I did not provide my personal information. XXXX had tried through several collection companies to collect this debt against the company that I no longer own and was out of business years ago. This new company, ERC Collections, is reporting it on my PERSONAL credit file as a delinquent account collection. This has caused XXXX account to be closed already, and several to be placed under review and I was declined for something as well. ERC Collections can see the Tax ID on file, and STILL reports on my credit file. I have disputed with ALL of the credit bureaus but ERC Collections STILL says it is my debt. I have verified with XXXX this was a BUSINESS account in a corporate name with NO PERSONAL SSN OR GUARANTY ON FILE, only the business credit Tax ID. I have given all of this to ERC yet they STILL have not removed it.XXXXNot to mention when I first got the letter from them I called the very next day and disputed as well as sent a letter advising the valididty of this debt was disputed and listed the reasons why. Yet without verifying or reaching back out to me, they simply reported it to my credit report as if I had not dispouted it at all.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2015-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Enhanced Recovery Company submitted a collection on all XXXX of my credit reports stating I owe {$670.00} from a XXXX Cable/Cellular bill. I knew I did n't owe XXXX anything and called them to verify and they verified I was all clear of any debt. They were not aware of sending anything to ERC as a collection on my account. I have called ERC and they could n't find anything on me with what information I was giving them. Which proves its not me that the debt belongs to. I have disputed it with all credit bureaus and have not heard of anything. I have since applied for credit and have been denied due to Severe delinquency and debt collection on my credit reports. I have always had good payment history never late on my bills. This is affecting my credit score and is becoming a big nucense. I have read other customer complaints dealing with this same issue and it looks like it could be a scam. I am not getting anywhere with the credit bureaus and need this removed from my credit reports. Please help.
Company Response:
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2015-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My wife and I were never able to see our credit scores, for years we would try to check them and we were told that we must have had the wrong information because the information that we provided was not linked to anyone 's credit. Since it was XXXX of us having the issue, bankers usually just concluded that it was because we were young and had never really built our credit so it must just be that we had no credit at all, and that was why our findings were so inconclusive. So my wife worked on her credit where she could, and I helped where I could. Once her credit score was good we looked into buying our XXXX home. She had established a credit score through small student loans initially and then on to a {$200.00} in-store credit card. So we could see that her credit was a XXXX which we were very impressed by, but I still had no credit score at all. I checked back often on credit sites and was never given a number, just an error message that I must have the wrong information. So in XXXX of this year ( XXXX ), we spoke with a mortgage broker about buying a home. He had me check my credit again at which time I found that I had a derogatory mark on my credit that had been posted years prior from a phone bill that had went to collections. I was previously unaware that I had had any outstanding fees of any kind, as I had never gotten this bill, in the mail, via email, or even received a phone call about it. The initial bill is from XXXX and we moved in XXXX of XXXX, and forwarded our mail accordingly and immediately changing our address on file with any and all financial institutions. We never received a bill to our old address or our new XXXX in XXXX. I had no idea that I owed any money to anyone and thought everything was fine. So in the beginning of this year when we had worked on our credit and were trying to buy a home, I suddenly had this old derogatory mark on my credit that had never come up before and it said it had been posted in XXXX. As soon as I saw it I immediately ( within 24 hours of discovering it ) called the company that it said I owed and paid it in full, asking that it be removed. They complied and took the charge off, leaving the derogatory mark on my credit. I have called the collection company time and time again, trying to have it removed, as it was so many years ago, it should n't even be there.I pay my bills and the XXXX I found out that this XXXX existed, I paid it. Despite all of my efforts to have this mark removed from my credit I was told by Enhanced Recovery Company , LLC. that they would not remove it as that is not something they do. I paid the bill two months ago and the original date XXXX gave me over the phone tonight was well over six years ago in XXXX so it is my understanding that the debt has expired long ago. I am not asking for money back I am just asking for this to not be on my credit as it should not have been able to go on in the XXXX place having been expired. This is something I hope to get resolved soon as the impact it is having on my credit is severe and preventing my family from buying our XXXX home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2015-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No