Date Received: 2022-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced Recovery Services has reported this paid debt to my credit report without notifying me of the debt. They have an incorrect mailing address and will not send me notification of the debt despite me contacting the company to provide my correct address. I have paid the debt and submitted verification of this to them and the previous debt collector on this account, XXXX XXXX XXXX. XXXX XXXX XXXX knowingly sold a paid debt to another debt collector!
Company Response:
State: UT
Zip: 84116
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a collection account on my consumer report from the company ERC I have disputed this account several times to no prevail. They are fraudulently saying I owe them when I never had any contract or anything. This company need to pay for negligence compensation and remove from report. This company has been on my report for 4 years now
Company Response:
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Accounts Requiring Immediate Removal : Enhanced Recovery with for a debt you claim I owe of {$880.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX, XXXX, XXXX is reporting a fraudulent account. I file a report with identity theft .gov. Report number XXXX and XXXX Enhanced Recovery Company {$450.00} date opened XXXX XXXX
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Under the FCRA, I request an investigation on the responsibility and the amount of this collection ( ENHANCED RECOVERY COMPANY ( XXXX : XXXX XXXX ) XXXX Opened : XXXX. XXXX, 2021 Balance {$990.00} ). It was already paid off to the original creditor. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Accounts Requiring Immediate Removal : Enhanced Recovery Company with for a debt you claim I owe of {$1400.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC, or Enhaced Recovery Company, XXXX, is collecting an unverified debt from XXXX XXXX XXXX that m XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were not able to verify not too long ago. XXXX XXXX XXXX assigned XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to collect account # XXXX with a balance of {$2600.00} before I submitted a debt verification letter to both companies. They couldnt verify the debt, so they stopped all collections attempts, but XXXX XXXX XXXX continued selling this account to different collections agencies violating the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2021, I received a letter from XXXX XXXX XXXX XXXX XXXX when they were representinXXXX XXXX XXXX XXXX with the following statements in regards to my debt verification and dispute ; the letter is attached as evidence XXXX received the within XXXX complaint the next day, which was promptly forwarded to the creditor. We are pleased to report that in response, the creditor issued credit adjustments to zero the balance on XX/XX/2021. The matter appears to be resolved in favor of XXXX XXXX. XXXX can confirm that it did not report to the credit bureaus regarding the account. The documents requested have been mailed directly to the consumer in keeping with his request ( XXXX XXXX XXXX, XX/XX/2021 ). XXXX XXXX XXXX continues selling this debt to different collection agencies defiantly to harm me without verifying this account or providing the information that I have requested many times before : -CREDITOR/DEBT COLLECTOR DECLARATION Agreement with your client grants you the authority to collect on this alleged debt. - Agreement that bears the signature of the alleged debtor wherein they agreed to pay the creditor. -Any creditor regarding this account has made any insurance claims. -Any Judgments obtained by any creditor regarding this account. -Name and address of the alleged creditor. -Name on the file of the alleged debtor. - Alleged account number. -Address on file for the alleged debtor. -Amount of alleged debt. -Date this alleged debt became payable. - Date of original charge off or delinquency. -Verification that this debt was assigned or sold to the collector. -Complete accounting of alleged debt. -Commission for debt collector if collection efforts are successful. CLEAR ATTENTION TO THIS REQUEST : This is NOT a request for " verification '' or proof of my mailing address, a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Because XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was not able to comply with FDCPA per letter that XXXX XXXX XXXX XXXX XXXX XXXXGeneral Counsel sent to XXXX XXXX XXXX XXXX XXXX employee in XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX, NY, XXXX ) on XX/XX/2021, Letter is attached to this complaint. The complaint about that issue is XXXX Complaint # XXXX. I have also attached a copy of the debt verification letter sent to XXXX XXXX XXXX XXXX.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: The credit bureaus are allowing the below actions from Enhanced Recovery Company to take place illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then Enhanced Recovery Company continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt XXXXollectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.. ENHANCED RECOVERY COMPANY Last reported XX/XX/XXXX {$80.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Company Response:
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had a debt with XXXX I believe in XXXX or XXXX. It ended up going to collections. I have tried to dispute that it has been on my credit too long to still be valid. Also, it has been sold and resold by debt collectors, which I believe is making it difficult to have it removed, because everytime it is resold, it makes it look as if the debt is new. This is way too old to be on my credit and needs to be removed ASAP! The company sent me a letter stating there wasnt enough information to support my claim to have them removed from my credit.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi today is XX/XX/2022 and I received a notice from my credit report stating I have a new open account. I called the company and explained to them that, that was not my account. I had no clue what it was about they explained to me and they asked for me to provide my information to pull up the account but they could only pull it up with my name. The social security number they had on file didnt even match my social security number. Now they said they will flag that account as it isnt mine. I asked if they can remove it they said they cant. I tried my best to see if they would be able to provide me with an email at least stating its incorrect and they said they cant. Im in the process of closing for my first home and this may really affect me now. I currently dont owe any debt to anyone so now this popped up on my credit report. My credit will be ran again the day before closing and this one huge mistake will make me lose the house Ive been working so hard on purchasing.
Company Response:
State: NJ
Zip: 08105
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A