Date Received: 2022-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX, I noticed a collection in the amount of {$410.00} on my XXXX account. I looked up the company and emailed there support line providing documentation that not only had this bill ever gone to collections, but that I had paid in full and on time, in accordance with the payment plan XXXX and I created. I am very curious about the legality of this debt collection, because I had already received a collection on my credit report in all XXXX bureaus about 12 months prior, all of which were successfully disputed. Additionally, this payment was made in full to XXXX on XXXX. ERC ( Enhanced Recovery Company ) has refused to remove this collection in the face of the documentation I have provided them, citing that they will need to hear from XXXX themselves about an account that has long been closed.
Company Response:
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XX/XX/2017 I have requested several times for documentation of any contract or written agreement containing my signature from XXXX XXXX of the alleged debt of {$170.00} they say I owe them, and their response is they have no documentation as the account is too old and was charged off. So XXXX XXXX sold this alleged debt to ERC collection company in XXXX, FL.. So I requested the same information from ERC collections and they don't have any and continue to report this alleged debt to the credit reporting agencies. What's funny is I am a customer still with XXXX XXXX which is now just XXXX XXXX as XXXX XXXX XXXX XXXX.
Company Response:
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We cancelled our XXXX account XX/XX/2019 and mailed back the equipment through XXXX drop off, within a week, as directed by the customer service representative at XXXX. XXXX claims they never received it and XXXX claims there is no way to track it anymore. I called XXXX on multiple occasions regarding this matter and the agent assured me that the receiver would turn up in warehouse and that this type of thing happens alot ... and not to worry about our account. NOW, a collection company ERC is sending threatening letters to my XXXX old parents ' house, three years later over this receiver. THIS is unacceptable. I am livid I am still dealing with XXXX and their ridiculousness.
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The credit collection company has not proved Iown the debt and continue to " reage '' said debt on my credit report by adding or misusing a dollar to update the debt.
Company Response:
State: CO
Zip: 80504
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There was no accurate button to press. I paid off this debt collection from XXXX, original creditor- Debt collector Enhanced Recovery Collections. I was advised when I paid in full that it would be removed entirely from my credit report once they received the check. It has not since been removed from my credit report.
Company Response:
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: THIS ACCOUNT IS NOT MINES. they reported on my credit and I end up having two of my creditors close my account because this was on my credit report.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This is a formal complaint against Enhanced Recovery Company located in XXXX, FLORIDA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Enhanced Recovery Company has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To whom it may concern, I am writing to delete the following information in my file : ENHANCED RECOVERY CO L XXXX It shows that this account was opened in 2018. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: OH
Zip: 45242
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A