Date Received: 2022-07-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I checked my XXXX credit report today and noticed a collection agency listed on my report for a transaction of {$2400.00} from AT & T on XXXX XXXX for an account that I did not open. I called the collection agency Enhanced Recovery in XXXX, FL to find out who opened this acct and spoke with a XXXX XXXX. He wanted my e mail address which I gave to him, and then wanted my date of birth, and asked me if XX/XX/1956 was my birthdate, and I said no, and I did not give him my birthdate. Also he said he was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX? a service to correct bad credit, which I dont need. Is this a SCAM to make your credit look bad, so you buy services from XXXX XXXX? thanks
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I do not recognize having any agreement with enhanced recovery and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with enhanced recovery .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Company Response:
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ERC is sending a bill for {$43.00} for an outstanding balance when this was paid to full to XXXX back in 2019.
Company Response:
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They are threatening to add this to my credit report in a month. I know for a fact this is illegal & completely unfair. This is identity theft & I want it removed from all credit bureaus as a soon as possible please
Company Response:
State: AZ
Zip: 85006
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC, they are being completely unfair and I dont know how to get ahold of them. The creditor failed to close the account properly and kept on billing after account closure. Credit failed to provide the action of adverse credit reporting. The Creditor made billing errors and was charging for a plan that I never agreed to. There were also unconscionable rate hikes without prior notice or agreement. The Creditor failed to process the auto payments that I had set up.
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XXXX of 2019 I was called by a collection company stating I owed {$320.00} for what was a XXXX XXXX bill. I had never received a bill from XXXX stating I owed any balance, and when I received the call from the collection company they were very rude and threating on the phone. I would've paid the bill if I had received one from XXXX but I never did. When I got the call from the collection company I had asked them to prove that I was the one who owed the debt. They refused to do so, saying they did not have to prove it and that I owed it. Anyways, I paid them that same day so I wouldn't have to deal with them any longer. Now I am trying to buy a home and this paid collection is hurting my scores.
Company Response:
State: MI
Zip: 48430
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has reported an account to my credit report that is not mine.
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I don't recall ever receiving any information from this company before seeing it on my credit report.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: on XX/XX/XXXX i received a bill from a debt collector name ( ERC ) Enhanced Recovery company trying to collect a debt of XXXX as XX/XX/XXXX between XX/XX/XXXX they said they bought the debt from XXXX XXXX XXXX my credit report has been damaged because of this they open it as a new account collection in my credit report. i call them on XX/XX/XXXX to ask them for the original contract agreement from this account and the representative denied my request because i refused to give her my address and also threatened with damage to my credit report she hang up on me, I called one more time i to get my request i was forced to give my address even though I didn't want i, then i received a mail with the verification and it was only a piece of bill from XXXX and XXXX, no contracts no payments history and signature. i called them back again on XX/XX/XXXX and had another altercation and they insist and damage my credit and threatened me with legal batters.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC, a collection agency, is alleging I owe {$560.00} for a delinquent XXXX XXXX XXXX account. I have never had an XXXX XXXX XXXX account. In addition, I have never received any statements from XXXX XXXX XXXX, nor any past due statements. According to XXXX XXXX XXXX it's a valid account number. I filed a complaint with XXXX XXXX XXXX XXXX fraud department. They responded with, " XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. '' I disputed the bill with ERC and received a " statement '' that showed the amount due, {$560.00}. However, it showed no details about what constitutes that amount, nor any information about when the charges incurred.
Company Response:
State: AZ
Zip: 85743
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A