Date Received: 2022-02-11
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I tried to have all these companies that are showing on my XXXX credit report remove. I tried to dispute it with the companies and also XXXX but unsuccessful there are third party collections agency that have 2 of my accounts that are paid in full for XXXX and XXXX. My personal information is showing up on the Dark Web which social security number and and all my personal information I was notify by XXXX XXXX on XXXX XXXX. I have been trying to get help regarding this matter. The list of companies I want remove from my XXXX account XXXX XXXXXXXX XXXX XXXX, Enhanced Recovery Company, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020, There was an account opened with XXXX XXXX XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX debt was sold to ERC collection company on XX/XX/XXXX. Settlment offer made from ERC to pay {$540.00} and this was paid on XX/XX/XXXX. XXXX was removed by XXXX and has since within the last few months had a balance of XXXX added back on. Trying to figure out what happened I made several calls to attempt to resolve. I finally spoke to XXXX XXXX whom is the Senior Manager at XXXX XXXX office of the president, his employee ID is XXXX. He outright refused to help me but did offer me a settlement to pay the already paid balance at half of the amount owed to make it go away. I paid it and this is unfair to misrepresent a debt being settled then having the original creditor come back around to collect on the balance between the original debt amount and the settlement offered.
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I went to review my credit report as I periodically do through XXXX and XXXX XXXX. I noticed that I had a new collection account for {$90.00} that I wasn't aware of which had negatively affected my credit. It looked like it was from XXXX, but I have been and am current on all of my XXXX payments. I contacted XXXX, and after doing some research, they discovered that it was a past due payment from XXXX although on my report it stated that it was opened XX/XX/XXXX. I asked XXXX why they had never mentioned a past due amount since I have current accounts with them, but the representative wasn't sure. She was able to tell me that the collection was through a company called Enhanced Recovery Company or Enhanced Resource Centers ( ERC ), and she gave me their number. I contacted them and made the payment through an automated service. Upon further investigation, I realized I had never received any notification of this debt. When I went through the automated service they had the wrong address on file. I never received a phone call or letter regarding this matter or I would have addressed it. In addition, the information on my report was wrong because it stated that it had been opened on XX/XX/XXXX, and listed it as one month old instead of 12 years. I called ERC back to explain this, and they disputed what I was trying to explain to them. I filed a dispute with XXXX and XXXX ( it didn't appear on XXXX ), and the dispute has been granted and the collection item has been removed. My complaint is the unfair and inaccurate tactics used by ERC, and I am hoping that they do not continue this practice of reporting old debts as new debts on credit reports, especially without any notification to the alleged person that owes the debt.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I dont recognized that debt with recovery collection. Dont know even what or from who it is and its Florida no communication nor debt in florida XXXX Erase that dont mine
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$100.00} Original Creditor XXXX XXXX Past Due {$100.00} Pay Status XXXX This just showed on credit report XXXX. Have not had att acount for 7 years, and do not have an active account or past due amount. This past due amount and account status is not correct, and requesting to be removed.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX XXXX XXXX / OVER, Has a charge-off listed under my name on my Credit Report and this was reported as Identity theft. I never gave authorization for usage and when me and my seen this error on my report we contacted them to remove/ correct the error. First they told me payments were being made so don't worry about. I told them I don't care if payments are being made It is not my account. This all started around XX/XX/XXXX. Instead they asked me several questions that they did not have answers to on the phone and when I gave it to them they stated that the information that I provided to them they will now use it to indicate I was the user of the account Altough it is a charge off I am a Retired XXXX Veteran and I take my credit seriously and this company should not be allowed to create undue stress and manipulate consumers. Enhanced Recovery- Has a collection on my Report for {$280.00} for XXXX and I have never used XXXX services. I have told them that this is IDentity Fraud and that this should not be reported as my account. XXXX XXXX XXXX is falsely reporting that I had a collection for {$320.00}. I sold my House in KY in XXXX of XXXX and settled my outstanding balance with KY Utilities. The reprensentative at XXXX did not change the name or cut off the utility and I had to pay the debt. I paid it but it is appearing on my report as a collection which is NOT accurate. Any assistance will be of great help. Thanks in advance!
Company Response:
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The debt of XXXX was paid on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called Enhanced Recovery Co. to dispute the claim. They told me I have to call XXXX XXXX where it was forwarded. I have already paid off the debt on XX/XX/XXXX, so there is XXXX balance on the particular event that is on my credit history. They are trying to get me to keep paying more money when it is already paid off. I called ( XXXX ). The man on the phone is named " XXXX '' who is from Enhanced Recovery who claims he is a supervisor when he's the original person that answered, he may or may not be. He keeps trying to get me to pay more money for an already paid due. My financial advisor is guiding me and says this is illegal to keep trying to collect money for a debt that was already paid years ago. This guy went from saying I need to pay {$190.00} and is now saying I only have to pay {$140.00} because he is giving me a discount but that's the lowest he can go, and I feel like I'm negotiating in a flea market in a third world country and this whole thing doesn't feel right and seems illegal. Please help me get this deleted off my credit! Thank you for your time. Kind regards, XXXX
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Enhanced Recovery Company is in federal violation of 15 USC 1681, violation 15 USC 1692b. ( 2 ) and violation 15 USC 1692d
Company Response:
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a debt with XXXX in which they doubled my bill and charged for a month of service I didnt use. I settled with XXXX in XXXX of 2020 for {$53.00} dollars, and that I was told made it paid in full. I paid and my credit score went up in response. Now, 6 months later, they decide to bill me for the same amount I settled for in XX/XX/2020. I do not owe XXXX anything. How can I trust a company that does this? If I paid again, would they wait another 6 months and bill me again? XXXX is a horrible company that gouges their customers at every turn.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A