Date Received: 2022-03-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wrote ERC a debt validation letter for them to prove that the alleged debt belongs to me, they have not sent me any documents that I requetrd for them to send to me, further there based out of Florida and Im based in XXXX ga. They dont have the right to collect in my state, furthermore there in violation because I sent them I cease and desist letter and they still contacts me.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ENHANCED RECOVERY CO L IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND ENHANCED RECOVERY CO L IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. ENHANCED RECOVERY CO L is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Company Response:
State: CA
Zip: 90062
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: amount of XXXX from enhanced recovery co. has put a collection amount on my credit report and it was never validated. i reached out to this company a year ago and it still shows on my report.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As of XX/XX/XXXX, I received a letter for someone named " XXXX XXXX XXXX '' from XXXX at my old address concerning a reference to a bill for service and the demand to return XXXX equipment. Seeing as my name is not " XXXX XXXX XXXX '' and I've never had XXXX, this was a rather big problem. Also, the fact that they mentioned an email with no connection to me tipped me off as well. I ignored it and continued with my life as usual, believing it to be spam. This was a mistake. On XX/XX/XXXX, I received another letter ( also for XXXX XXXX XXXX ) from XXXX XXXXXXXX XXXX on behalf of XXXX XXXX concerning a balance of {$780.00} that I was expected I pay. I called them at the number provided and filed a fraudulence claim and was told they would rectify it. I heard nothing for two years and assumed it had been resolved. On XX/XX/XXXX, I received another letter ( for XXXX XXXX ) concerning the supposed debt to XXXX via a different debt collection service called ERC. ( see attached ) Please help me conclude this issue.
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: DE
Zip: 19803
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Company ERC called at XXXX EST and refused to identify themselves as a debt collector. Refused to identify themselves at all. I asked " what is erc? '' They wouldn't say. I asked " what kind of company is ERC? What do you do? '' Again they refused. I then asked- are you a debt collector? Again they refused. Called from Number XXXX
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2018, Enhanced Recovery CO L., added a derogatory remark on my credit report per XXXX XXXX and XXXX. Upon further research this account was transferred/sold, and I am no longer responsible for this account. Debtors ' creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA Enhanced Recovery CO L, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ERC has reported information to my consumer report. ERC did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging ERC to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Any referral that subjects me, the consumer to any prohibited under the FDCPA is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand ERC to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to ERC stating all facts which includes each violation and the damages that you have caused me.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was in the process of trying to get a condominium when I notice a new negative account appear on my credit report the name of the company is enhance recovery company llc a company I have never done business with before. I did some research to find out who this company was and realize there are a lot of complaint against this company. So I wrote different letters and sent it to each of the leadership team members of the company 1. XXXX XXXX XXXX, Chief Compliance Officer 2. XXXX XXXX XXXX, Co-Founder/Exec. Chairman 3. XXXX XXXX XXXX, CFO 4. XXXX XXXX, CEO These letters was mailed certified mail with tracking. It was mailed XX/XX/2022 and it arrived at enhance recovery company llc facilities XX/XX/2022. To date I have not receive a response from them.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A