Date Received: 2015-04-07
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: On XXXX XXXX, XX/XX/2015 I filed a complaint against Enhanced Recovery Company , LLC with CFBP case No. XXXX and they submitted a letter Via E-mail to CFBP on XXXX XXXX, XX/XX/2015 in response to my complaint and promised to request a deletion of the collection they placed on all XXXX major Credit Bureau 's from my credit Bureau Reports. As of today, XXXX XXXX, XX/XX/2015 Enhanced Recovery Company , LLC have not request a deletion on any of the XXXX major Credit Bureaus ( XXXX ) this action might constitute fraud under both Federal and State Laws. On XXXX XXXX, XX/XX/2015 as a response to my complaint your Agency made the following statement : " In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015 Please allow up to XXXX days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX ''. Also as of today your Agency are unable to provide the proper documentation as requested in the following Declaration. Copies of the original application for this account Signatures associated with this account Billing statements associated with this account Any payment history associated with this accountDue to this fact negative mark is found on my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I am requesting Enhanced Recovery Company , LLC collection to immediately remove all negative remarks of all XXXX major Credit Bureaus and cease any collection activity for failure to validate this debt as promised in the letter forwarded to CFBP and if not I will consult with my legal counsel for suit.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2015-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I 'm getting things put on my credit report that i dont owe at all.and its really ruinning my credit all up
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2015-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: HERE GO ANOTHER PLACE THAT I HAVENT GOT A CLUE WHERE IT FROM. I SENT THESE PEOPLE A LETTER TOO BUT THEY PUT IT ON MY REPORT AND KEEP ON CALLING. IT NEEDS TO STOP
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2015-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: After doing a routine check on my credit report, I noticed a collection on my report from Enhanced Recovery Company, LLC., for a debt that does not belong to me. A certified letter was mailed to Enhanced Recovery Company on XXXX/XXXX/2015 notifying the company of the false debt and the immediate deletion of the debt from my credit history from all credit reporting agencies. Enhanced Recovery Company received the letter on XXXX/XXXX/2015. Enhanced Recovery Company continues to ignore the certified letter and continues to report a false debt to all credit reporting agencies.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-05
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Enhanced Recovery has put XXXX different collection accounts on my XXXX profile. All of the Debts show different amounts and have been re-aged which is illegal. I would like to have this removed from my credit file. According to the law reaging is illegal under Creditors, collection agencies, or credit bureaus, if they try and " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. Consumer protection afforded by the FCRA FCRA Section 605 ( c ) {$1000.00}. Open Date N/A N/A XXXX, XXXX {$0.00} {$0.00} $ XXXX Utilization Ratio 0 % 0 % 0 % Last Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX N/A N/A N/AThanks,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2015-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-03
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I noticed a debt on my credit report, so I contacted the company and wrote a letter disputing the debt as not a valid debt. I waited the 45 days they stated it could take to resolve or investigate the debt, but never received any media from the company and has now taken almost XXXX as long as they company stated and still have not received any letters nor have they removed this debt.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2015-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-03
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: The representative stated I had no right to dispute : only that I had to pay a 7 year old {$84.00} bill
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2015-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: We repeatedly receive computerized phone calls from Enhanced Debt Recoveryphone # XXXX even though we have no debts and are on the no-call list.
Company Response: Company can't verify or dispute the facts in the complaint
State: FL
Zip: 32128
Submitted Via: Web
Date Sent: 2015-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: Enhanced Recovery keeps billing for an old XXXX account that was discharged with a bankruptcy. XXXX used XXXX collection agencies, the other XXXX removed the information from my credit report after receiving my letters - Enhanced Recovery has not. I am attaching letter I sent to XXXX and to Enhanced Recovery requesting they remove this negative collections information from all XXXX credit bureaus. I have also made numerous, numerous phone calls both to XXXX and to Enhanced Recovery and I 'm always told the account will be removed from my credit report but it never gets done. Enhanced Recovery has violated the law by continuing to report this debt. I think the account # is XXXX ; however, Enhanced Recovery is using a different number that begins with XXXX.
Company Response:
State: TX
Zip: 784XX
Submitted Via: Web
Date Sent: 2015-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do this!!??
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2015-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No