Date Received: 2023-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: TX
Zip: 77662
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2023 Enhanced Recovery Company reported to credit bureau 's that I owed them a debt. I am disputing this claim. According to the Fair Debt Collections Practices Act and Fair Credit Reporting Act, Enhanced Recovery is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. Under the FCRA, unverified accounts must be removed and if Enhanced Recovery is unable to provide me a copy of verifiable proof, they must stop reporting this fraudulent information to credit bureau 's.
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ENHANCED RECOVERY COMPANY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX charged for services that weren't working. I only have cable for hockey games and their XXXX XXXX app wasn't working for weeks and I was offered no credit or refund. Now I'm being reported to credit agencies by am aggressive debt collector ERC for refusing to pay the entire amount for their service.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was told their company is called XXXX and it stands for Enhanced Resource Center. They say they are looking for XXXX XXXX. XXXX their various phone numbers shows the calls are all coming from a debt collection agency. Every single week for months now, I get calls from their male or female employees asking for XXXX. I keep telling them I do not know this woman, I am not this woman and I have registered the phone number they are calling me on with the Do Not Call registry. I've repeatedly instructed them to stop contacting me. I told them I would begin reporting them to the FCC. Apparently, they aren't worried. Their calls are disruptive. They call me while I'm bathing my elder parent ; they call while I'm in the cemetery ; They call while I'm preparing meals throughout the day. Irregardless what phone number they call me from, all calls from them should have stopped after I informed them I am not XXXX and I want them to stop contacting me. I would like to see them fined for every single call they have placed since I registered my phone number with the DNC registry. I should not be pestered for someone else 's debt. Legislation needs to be enacted so consumers can penalize these rogue companies that flaunt consumer protection laws. Please make them stop calling me.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Charter communications said that the equipment was not returned. They turned it over to a collection company called XXXX group eport Number XXXX It was disputed with XXXX and they found that I did in fact return the equipment. They deleted it off the credit report. On XX/XX/XXXX. I am a XXXX XXXX XXXX getting ready to pcs move XXXX and they sold whatever information they had to ENHANCED RECOVERY. They now put this back on my credit report XXXX. XXXX after it was already settled with the previous company. This is not a debt that is owed. I now can not rent and I have a wife with XXXX XXXX XXXX and an XXXX child.
Company Response:
State: MN
Zip: 55372
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not liable for this debt with XXXXXXXX XXXX XXXX I do not have a contract with Enhanced Recovery. They did not provide me with the original contract or signatures. I demand this account be removed from my credit report.
Company Response:
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I hit a brick wall in my attempt to establish a contractual duty of my person to ERC COLLECTIONS. Moreover, with the intention to case harm, the entity is knowingly damaging my public reputation by reporting inaccurate and or falsified information.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have received an updated letter from ERC Collection Company in regard to the XXXX XXXX account , with an updated balance. Previously I have been disputing the amount of the interest that was reflected on the collection notices without explanation or any statements provided. This interest had been added after the account was charged off, the dispute lasted over 6 months and I have not involved CFPB. During the dispute, XXXX XXXX and ERC cashed half of the checks that I kept sending every month and the other half was not cashed. However, ERC and XXXX XXXX in the updated letter increased the balance owed. After almost a year of complaints and disputes, the interest of {$400.00} that was charged illegally has finally been removed from the balance owed. Now they are showing that the amount paid off to this date is slightly over {$500.00}, how is it possible if their own statement from XX/XX/22 a year back showed a balance paid to date of {$780.00}? Yes, back then it was also showing an interest of {$400.00} as a part of the amount owed and that was reflected in the higher amount owed. Now, after the interest was removed and I made payments along the time they reviewed the dispute, the balance owed decreased drastically. But, no!!! I have copies of the cashed checks by XXXX Bank for XX/XX/22, XX/XX/22,XX/XX/22,XX/XX/22,XX/XX/22 all in the amount of {$50.00} which totals {$250.00}, I also mailed 4 other checks but during the previous dispute they were never cashed and I had to stop payment on them. Using the following numbers of the previous statements provided, if the balance owed is {$2500.00} and interest of {$400.00} is taken away, it would make the amount owed {$2100.00} then minus the cashed checks listed above in the amount of {$250.00}, it should bring the amount presently owed to {$1800.00}. It seems they are trying to remove the disputed interest, which they can't explain, from the statement visually but quietly adding it to the amount owed on purpose to collect more. Isn't it a violation of the FDCPA? Please I have reached out multiple times offering to settle this debt, but neither ERC nor XXXX XXXX are cooperative, and there is always that is done to increase the amount owed, missing payments, an interest without proper explanation or statements provided showing how it was calculated, inaccuracies that when I am trying to bring them to their attention or asking to review takes months or responded in formal, ordinary letters saying that no error was found which is exhausting and simply disrespectful, unfair and harassing.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have paid off the car balance but creditor still reporting a balance
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A