Date Received: 2022-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2018 XXXX Enhanced Recovery Co L , Reported a balance of {$910.00} for a fraudulent account that was opened with my information. I have exhausted all resources with getting the creditor to remove this fraudulent account as it is not mines.
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted off my consumer report. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me as the consumer ; XXXX XXXX Enhanced Recovery Co L, XXXX. XXXX, XXXX, XXXX XXXX XXXX.
Company Response:
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This debt was reported in XXXX. The date was recently changed to XXXX. The debt was scheduled to be removed this year. Ive contacted XXXX, a dispute has been opened, again. XXXX stated that it had been changed and it would come off XX/XX/XXXX. It didnt. I contacted them again and was told, the original debt was XXXX and not Enhanced Recovery. This is not true. I have seen it under Enhanced Recovery this entire time. Enhanced Recovery is intentionally, illegally effecting my credit. I would like this removed and Enhanced Recovery fined for bad business practices. I have stated repeatedly, I have no knowledge or recollection of this debt.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent ( 2 ) Letters in XX/XX/2022 and XX/XX/2022 to Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' who is reporting fraudulent & unvalidated information. " ENHANCED RECOVERY COMPANY '' are allegedly stating I have alleged debt of {$230.00} but I never contracted to do business with them ; The Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' provided insufficient validation that did not follow my request. " ENHANCED RECOVERY COMPANY '' had ( 15 ) days to provide the correct request to validate the debt which they did not ; It has been more than ( 60 ) days ; I requested the following from Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' as I was never notified of this alleged debt collection. I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. I am requiring the following exactly as instructed : An explanation of what this alleged account balance is for. A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. Documentation that shows I agreed to pay this debt with my signature ; documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft which you will be reported for such. The Agreement that grants you authority to collect on this alleged debt. A copy of your state license, including license number that give you rights to collect in my state. The purchase agreement Any Executive Officer to Swear under penalty of perjury you were present during the alleged debt Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' has to understand reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' have committed the following FDCPA Violations as they are sending deceptive forms making false belief that I owe them anything. 15 USC 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile and furnish any form knowing that such form would be used to create false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. Stop contacting me about this or any other matter you have. Cease and Desist ASAP and delete this account from these Credit Reporting Agencies ( XXXX and XXXX ) except to provide me with accurate validation of this debt by US mail only not the same insufficient document you already sent. I have also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX State Attorney General and The XXXX XXXX XXXX to have confirmation of proof. You have another ( 15 ) days from the date of this letter to respond with all items requested and I demand these items to be removed immediately from Credit Reporting Agencies ( XXXX ) and 3rd parties or I will seek Monetary compensation damages for all the violations you already committed. I do not know this Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' and never signed any contract with them. The Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' illegally received my personal information without my permission which is Identity Theft a violation of my federally protected consumer rights.
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The identified transactions are not information related to any transaction by me as the consumer :
Company Response:
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ). Additionally, the aforementioned customer REQUIRES the subsequent : ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) XXXX
Company Response:
State: IL
Zip: 60139
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have received notifications and bad marks on my credit report from at least XXXX different collection agencies related to an XXXX XXXX XXXX Debt that was reported to XXXX XXXX XXXX and a report filed with the FTC that it was a result of identity fraud and someone else opening this account under my maiden name " XXXX ''. I gave XXXX XXXX XXXX the proper reporting and they acknowledged that it was Fraud, however, they continue to circulate this collection through various collection agencies STILL. This has been going on for over a year and half and about every XXXX months, I get yet another notification from yet another credit collection agency that I have a debt collection. I have NEVER even had an account with XXXX XXXX XXXX. The most recent debt collection agency just sent me another letter, titled " ERC ''. The reference # for this new collection is : XXXX I have sent thru a dispute to this company, but I would like XXXX XXXX XXXX to STOP circulating this debt that was already deemed fraudulent through collection agencies. The account # that is associated with this debt is : XXXX. The address associated with this account is XXXX in XXXX, which is a state I have NEVER lived in, nor known anyone who has.
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have tried disputing this charge with several debt collectors through the last couple of years. Now, I have received a letter from ERC saying that I owe XXXX XXXX XXXX {$6300.00}. I have never had an account with XXXX XXXX XXXX, do not currently have an account or plan to have an account with them in the future. I wrote a letter to ERC telling them that my identity was stolen in 2018, that I have been disputing all the charges that accumulated by the person who used my identity and for this to be removed from my name and not pursued for this debt that I did NOT do and ensure that it not be on my credit. I sent in a copy of my original FTC report and copy of my drivers license with all my current contact information. No one responded and when I spoke to the last company, they were accusatory and did not accept any of the information I was offering.
Company Response:
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Around XXXX on XX/XX/XXXX I contacted Enhanced Recovery Co LLC to inquire about a debt I owed them. I specifically asked if the amount could be settled for less and paid to be deleted from my credit report. I was told if I settled the account for {$590.00}, the account would be considered " settled for less than full amount '' and I was told that the collection would be removed from my credit report within " 24 hours to 45 days ''. I repeated my question and was ensured that the collection would be removed from my credit report if I paid. I agreed and paid the {$590.00}. Payment was taken out of bank account XX/XX/2022. Saturday XX/XX/XXXX, I called and requested a paid confirmation letter, which I was emailed. Monday XX/XX/XXXX at XXXXXXXX XXXX, collection is not removed from my credit report. I called Enhanced Recovery to ask for an estimated date of when collection would be removed from my credit report and was informed that even though I paid off the collection, they would not be removing the collection. I informed the staff member on the phone that I was told by their company that the collection would be removed if I paid, and she told me " enhanced recovery will not delete collections from credit reports ''. Enhanced Recovery misrepresented themselves in telling me they would remove the collection after payment is successfully processed, and then refusing to remove collection after receiving payment.
Company Response:
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX was the company I had a planned with from XXXX. Once my contract was up. I decided to go else where. Their phones was paid for and the ones that needed return was done so. They sent me to collections to a company named Enhanced Recovery on XX/XX/2021 Account number XXXX that's when they said I have to paid {$1100.00} this was never owed and should not be on my credit report.
Company Response:
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A