Date Received: 2022-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced recovery out is in collections for {$240.00} on XXXX XXXX XXXX XXXX XXXX XXXX debt. This is for equipment that was returned and we have receipts showing it was returned
Company Response:
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This complaint is being sent to ENHANCED RECOVERY CO XXXX in response to a computer-generated, unsigned letter dated XX/XX/XXXX, letter received by Claimant from their offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was recently made aware of Enhanced Recovery Company , LLC " ERC '' violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the CEO XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that ERC has been harming my financial reputation for over 5 years until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The FBPA was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. As ERC has been in business longer than 10 years, there is no excuse for their actions. Further, several court cases support XXXX XXXX non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. ERC never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.
Company Response:
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ENHANCED RECOVERY CO LLC refused to address my concern after I disputed the debt. The company violated my rights under FDCP by not clearly stating that the debt is disputed. I filed a dispute with XXXX that the company need to validate the debt and instead ENHANCED RECOVERY CO LLC told XXXX that the debt was verified. That is not what I disputed and how do you verified when it took less then 24 hours. There was no investigation and Both XXXX and ERC violated my right under Fair Debt collection act.
Company Response:
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit Reporting act ENHANCED RECOVERY CO L. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This is my XXXXrd time trying to get this debt removed from my credit report. On XXXX XXXX. Enhanced Recovery CO L was removed from my XXXX report without it being also removed from my XXXX Report. Attached is an Identity Theft FTC Report and well as your removal from XXXX. Please remove this from my XXXXXXXX Report Immediately.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt collection is trying to collect {$67.00} for my utilities of WiFi through XXXX XXXX when I know that all of my bills has been paid off when I returned the WiFi equipments. I asked the company if I owed anything at the time of cancellation and equipment return if I owed anything and they said no.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX I got a bill from Erc a debt collector I responded and told them I never did business with at & t I filled a police report reported it it XXXX I looked through my credit report and found an address that wasn't mine so I flagged it I received a letter from Erc that said they didn't find fraud the address is XXXX XXXX XXXXXXXX XXXX XXXX nc XXXX I live in XXXX NC don't know where XXXX XXXX is had to look it up never visited this place in my life
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, ERC and XXXX XXXX are illegally attempting to collect a debt that does not belong to me. I received a debt collection notice from ERC on XX/XX/XXXX. I was confused as to why I received this letter, but I opened it because it was addressed to me. I opened the letter to discover that I somehow owe a debt to XXXX XXXX in the amount of {$340.00}. I had never done business with XXXX XXXX in my life, ever! Confused, I decided to contact ERC, the debt collectors. They never answered their phone. After contacting them through email and explaining the mistaken collection, they told me I needed to contact XXXX I contacted XXXX XXXX on XX/XX/XXXX to get to the bottom of this. I was able to speak with someone, and after sharing with them the information on the notice which had the account number on it, they were able to see who the account belonged to as well as a starting date for service. The XXXX XXXX representative informed me that the account was made in XXXX, XXXX. They could not locate my information anywhere even after providing my social security number. The woman on the phone literally stated they have no record of me as a customer. I suspect the name on the account was from the previous owner of the home of which I became the owner of in XX/XX/XXXX. I suspect this because they had my current address on file and relayed that the account was created in XXXX of XXXX, but provided no name. I was also XXXX XXXX XXXX in XXXX living with my parents. After relaying these facts to the representative, she directed me to fill out an identity theft form provided through XXXX 's fraud portal on their website. I filled out the forms and provided the necessary documents to the best of my ability. They required Proof of residency from the past 8 years. In addition to providing my living history, I provided proof of purchase of my current home from XXXX, XXXX. After I submitted all the required information I received an email from XXXX on XX/XX/XXXX stating I need to provide proof of residency from XX/XX/XXXX. To my knowledge, I can not provide this proof because it does not exist. I was a minor at that time and can not provide proof of residency from 20 years ago because I was a XXXX, in school, with no bills, job or identification. After receiving this response I decided to submit a complaint to the CFPB. I also notified ERC of this problem and they put the collection notice on hold until this gets sorted out. I'm at a loss and I don't know what else to do. Please help me. I have attached all the documents I sent to XXXX XXXX for your review as well as their email response and the collection notice from ERC. I will be more than happy to cooperate with you in order to resolve this issue. Thank you
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: After careful consideration your firm that you represent " Enhanced Recovery Group has been practicing illegal credit acts. Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. First thing, You do not have any lawful right to be in possession of my identifying information. Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ). Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years. The last thing Enhanced Recovery Group need to understand this is also aggravated identity theft 18 USC 1028A
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A