Date Received: 2022-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I don't owe anything to ERC ( Original Creditor : XXXX XXXX ) with account number XXXX They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted Enhanced Recovery and XXXX about a debt on my credit report that does not belong to me. The debt is listed on my credit report as XXXX. I have sent numerous correspondence requesting validation of the debt that includes my signature and authorization. XXXX has not provided me with the requested information. Therefore, I am demanding the account be removed from my credit report. The dates that I sent certified letters to XXXX pertaining to this debt are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: ERC ( enhanced recovery company ) has been calling me from spoofed numbers. They are trying to collect a debt from XXXX that I Incurred in XXXX and that was discharged in bankruptcy in XXXX. The collections agent named XXXX told me that it was impossible for the debt to be discharged in bankruptcy because it went delinquent in XXXX. He threatened to put the item on my credit report. Again the debt was discharged in bankruptcy. I have since opened an account with XXXX for cell service that is in good standing. If I had bad debt with att I would not have been able to open cell service with them on XX/XX/XXXX.
Company Response:
State: MS
Zip: 39452
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Enhanced Recovery Company had contacted me numerous times indicating they were acting on behalf of XXXX in an attempt to collect an outstanding account balance. However, as I repeatedly told them I have NEVER had a XXXX account. My phone service has always been by a different provider. In addition, my phone for the past 15 years has been supplied by my employer with service through another provider. Despite my repeated explanations, today my XXXX Credit report showed a major decline ( 92 points ) because Enhanced Recovery Company apparently did not inform XXXX that I had disputed this account. I have spoken today with both a representative of Enhanced Recovery Company and XXXX to inform them of the error and requesting that it be registered as disputed if not removed.from the report. The twoother credit reporting agencies do not show any such information. I believe Enhanced Recovery Company and XXXX both acted in bad faith in this situation, to my personal detriment.
Company Response:
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of 2020 I disputed XXXX XXXX with XXXX XXXX and the account was deleted. The amount owed is wrong since the collection is apparently a contract penalty for canceling. I never had a contract with the company. I never received any collection info in writing from this company it just appeared on my credit report.
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Good day. Company ERC continues to contact me via phone and mail attempting to collect debt that is not mine. I have asked for proof to ensure the debt is mine. I demanded the original contract that was signed for the items listed also proof that this company is able to collect debt on behalf of original credit. ERC has sent me documentation that does not look original nor has any hard information. The company also does not have my social so i am curious to know how they can threaten to place a collection of an unknown debt on my account. The statement they sent via mail is not descriptive at all. Its a repeat amount of prices for unknown services. Please have ERC stop harassing me for debt that is not owned by me.
Company Response:
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had XXXX DSL modems through XXXX XXXX ( now XXXX ) at a house I was renting. When we moved I canceled both accounts with 1 phone call. They canceled one of them and then billed the other account the next day. I called them and explained this and they said it was valid and sent it to collections. I have to explain this to debt collector after debt collector. Once I explain it they just sell the debt and the process starts over. This amounts to simple harassment. I explained it to XXXX and they removed the debt but I have to go do that at the other XXXX credit reporting agencies. I have to write and mail a certified letter to ERC and after doing this multiple times I would pay more than the balance. The original balance was only {$44.00} per modem and one they canceled so originally I was asked for that amount. Now they are claiming that the original amount was {$73.00} and that they are willing to " resolve '' my account for " less '' than the original amount. They clearly understand that if they harass me enough I will pay them just so they go away. They never have proof and when asked for it they just send it on down the road.
Company Response:
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I was contacted by ERC about a debt owed to them for another company XXXX XXXX. When I spoke with the representative I was told once collection was paid they will update and remove collection from credit. Instead it shows a charge off the negative reporting is affecting my credit score preventing me from loans
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ENHANCED RECOVERY COMPANY plus they did not provide me with the original application like I asked. Account XXXX Amount Disputed : {$660.00}
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ENHANCED RECOVERY COMPAN Last reported XX/XX/XXXX {$510.00} Open balance XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX copied from my XXXX XXXX account but never personally open this account myself and shouldn't be on my account and is violating the fair credit act law.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A