Date Received: 2022-04-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery Company at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company.
Company Response:
State: IL
Zip: 62526
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A collections debt was opened on my credit report XXXX from a debt collection company named Enhanced recovery COXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) phones number ( XXXX ) XXXX. Claiming I owed {$380.00} to XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) But, I have never had either company. I got the debt removed once before from my credit report due to it being a fraudulently attempt from this company to collect money from me. However, it keeps reappearing and disappearing from my report. Causing serious credit damage.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have had a tXXXX credit card and paid my bill using a debit card. I set up auto pay for future payments. I did not realize until I called, after receiving a letter in the mail, that my bills were not being paid. When I called XXXX XXXX XXXX they said auto pay was not set up and they were sending EMAILS only to notify me. I DID NOT receive the emails or I would have known and paid. I have worked very hard and have great credit. I then received a letter from ERC a debt collector. When I received this in the mail, I called and began to sort this all out. I paid off the bill in full immediately. However, this is also affecting my credit score negatively. When I looked up my credit score it was lowered by XXXX points and also showed that XXXX reduced my credit limit from {$1500.00} to {$300.00}! I have never not paid a bill I owe and I was not receiving the emails they claimed to be sending, and I believe this is unfair. I have paid the entire bill off including late fee but do not think it is fair. I would like somehow to have my credit adjusted through the XXXX main credit reporting agencies ( XXXX, XXXXXXXX XXXX XXXXXXXX ).
Company Response:
State: FL
Zip: 32720
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Enhanced recovery is failing to respond to my correspondence. I have mailed them several times inquiring about their account they are reporting on my credit. When I satisfied the balance in 2020 I clearly remember the representative stating that they would delete this account from my credit. Now Enhanced Recovery ghosted me after they took my money. Please delete this account from my credit.
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I got mail from XXXX XXXX XXXX XXXX attempting to collect a debt of {$4500.00}. I have never in my life had XXXX XXXX XXXX so this is obviously a mistake or fraud.
Company Response:
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Below is the statement was received : ERC received an account in their office on XX/XX/2017 in the amount of {$240.00} placed for collection by our client, XXXX XXXX XXXX XXXX I sent a payment ( {$240.00} ). My last payment was received in ERC office on XX/XX/2017 paid directly to XXXX XXXX XXXX. They have been reporting this on my credit report as open since 2017 after payment was received.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( Enhanced Recovery Company ) for committing identity theft. I have never given ( Enhanced Recovery Company ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from ( Enhanced Recovery Company ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Enhanced Recovery Company ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovery Company ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Enhanced Recovery Company ) continues its collection efforts, I will file for litigation for actual damages caused and ( Enhanced Recovery Company ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: TN
Zip: 38104
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is ( XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against ( Enhanced Recovery Company ) for committing identity theft. I have never given ( Enhanced Recovery Company ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from ( Enhanced Recovery Company ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Enhanced Recovery Company ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovery Company ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Enhanced Recovery Company ) continues its collection efforts, I will file for litigation for actual damages caused and ( Enhanced Recovery Company ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: TN
Zip: 38104
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX fraudulently sent me to collections after a dispute over a charge was awarded in my favor by my credit card company. In XXXX of XXXX, I sent my phone in to XXXX XXXX XXXX to be replaced under a manufacturer 's warranty and they sent me a replacement. Then on XX/XX/XXXX, XXXX XXXX XXXX sent me back my original phone with a cracked screen ( I have a pictures of the phone before they were sent and it shows that it is not cracked ), charged me {$700.00}, and then refused to take the replacement phone back. On XX/XX/XXXX of XXXX, I disputed the charge with my credit card company XXXX. On XX/XX/XXXX, XXXX ruled in my favor, and XXXX XXXX XXXX permanently refunded the money. THEN on XX/XX/XXXX, XXXX XXXX XXXX charged me {$700.00} AGAIN on the next month 's bill. On XX/XX/XXXX of XXXX, I disputed it again, quit XXXX XXXX XXXX, and joined XXXX XXXX under their " We'll buy you out of your old contract '' plan. At this point, XXXX XXXX worked with XXXX XXXX XXXX directly to switch my phone over to their XXXX and shore up any outstanding debts. On XX/XX/XXXX, XXXX ruled in my favor AGAIN and permanently refunded the {$700.00} charge. MEANWHILE, on XX/XX/XXXXXXXX XXXX XXXX XXXX sent me to collections ( XXXX XXXX XXXX, telephone XXXX ) and added an additional {$400.00} charge for " services! '' On XX/XX/XXXX, I sent XXXX XXXX XXXX a letter by certified return receipt asking for proof of debt which they received on XX/XX/XXXX. They did NOT reply with the request. THEN in XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX. contacts about me about my debt with XXXXXXXX XXXX XXXX. On XX/XX/XXXX, I send XXXX XXXX XXXX XXXX XXXX. a certified return receipt letter requesting proof of debt which they received and signed for on XX/XX/XXXX. They did NOT comply with my request. On XX/XX/XXXX, ERC XXXX Enhanced Recovery Company , LLC. ) contacted me about the debt. On XX/XX/XXXX, I sent them a certified return receipt letter requesting proof of debt, which they received and signed for on the XXXX. On XX/XX/XXXX, ERC complied with my request and sent me a copy of a bill from XXXX & t with the fraudulent charges on the bill. Then on XX/XX/XXXX, I was sent a collections letter from XXXX, XXXX. They would send four more on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I check my XXXX credit report to find that ERC XXXX Enhanced Recovery Company , LLC. ) is trying to collect this debt again! I immediately disputed this directly with XXXX on the same day. On XX/XX/XXXX, I called ERC at XXXX XXXX and spoke with XXXX XXXX He said he would pull all claims to the debt off of the Credit Agencies, and that they were a third-party collecting on behalf of XXXXXXXX XXXX XXXX XXXX I asked for contact info from XXXX XXXX XXXX, which he declined to give me. At XXXX, I called XXXX XXXX XXXX to get the contact information of whoever is in charge of collections at XXXXXXXX XXXX XXXX and specifically asked for an address to send a Cease and Desist Letter. The customer representative gave me a phone number, XXXX, which I called at XXXX XXXX only to find out that it was the number for ERC XXXX Enhanced Recovery Company , LLC XXXX ). At XXXX, I called another XXXX XXXX XXXX number ( XXXX ) and spoke with a customer service representative who told me that I would have to fix this at an XXXX XXXX XXXX store, then promptly found the store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, and told me to go there. At XXXX, I called the XXXX XXXX XXXX XXXX XXXX number at XXXX. The stores manager told me that they couldnt help me, especially since the account was closed five years ago. At XXXX, I called the listed phone number for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), only to find that it was disconnected and was owned by XXXX XXXX Thus brings us to today. It has been five years since this dispute with XXXXXXXX XXXX XXXX began, settled with XXXX, and then fraudulently sent to collections. My patience has been exhausted.
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A