Date Received: 2022-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ENHANCED RECOVERY COMPANy XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2022 To : The Office of Registered Agent for ENHANCED RECOVERY COMPANY From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. XXXX ) Documentation that shows I agreed to pay this debt with my signature. XXXX ) The Agreement that grants you authority to collect on this alleged debt. XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. You will forthwith return and transmit your written evidences of your delegated authority to represent that you XXXX and is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX I, XXXX XXXX XXXX, is submitting this complaint without any assistance from a third party.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2022-01-29
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 was result of identity theft
Consumer Complaint: Enhanced Recovery Company put a collection on my credit report preventing me from getting access to credit. Enhanced Recovery Company placed a collection of {$170.00} with no payment history on my credit report XX/XX/2019. Enhanced Recovery Company ( XXXX ) XXXX
Company Response:
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Robo Calls everyday, sometimes 2x a day from phone # XXXX ERC unknown caller about debit collection ( robotic messages ) My phone # is on DO NOT CALL registry This is an unknown debit, that I know nothing of
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt was paid and they promised to remove it from my report but its still showing on my report.
Company Response:
State: FL
Zip: 33901
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ERC Enhanced Recovery Company had tried to collect {$5300.00} from me in XXXX of 2019. I informed them that this debt didn't belong to me and that I had been a victim of identity theft and if they could provide me any documentation with my signature on it. they removed the account due to no evidence within 30 calendar days from XXXX, XXXX and XXXX. I took a look of my credit reports and seen that they inserted this debt back on my credit reports. I do know that once a debt is removed with the same account number it can not be inserted back on your credit report. But they broke the law by adding this back on my reports and I am wondering how did the 3 credit bureau 's let them do this illegal transaction.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: do not owe anything to XXXX XXXX XXXX or XXXX XXXX
Company Response:
State: AZ
Zip: 85206
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To Whom It May Concern : This complaint is against Enhanced Recovery Company , LLC. Name : XXXX XXXX Creditor : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX : XXXX Original Account # : XXXX Reference Number : XXXX Status : Closed Original Balance : {$320.00} Paid to Date : {$530.00} Current Balance : {$0.00} I am requesting that this debt be removed from my credit report with all three credit bureaus. I am requesting this on the grounds that I was never notified of it and thus had no opportunity to repay it. First, this account refers to a charge on a XXXX XXXX XXXX account I closed 12 years ago, in XXXX. XXXX XXXX XXXX, does not exist anymore. It has become XXXX XXXX XXXX which I have never done business with and have never had an account with. In XXXX, I left my address at XXXX XXXX XXXX in XXXX permanently. In XXXX, after which I moved to my parents residence at XXXX XXXX XXXX XXXX, XXXX, and in XXXX, I moved abroad and changed my primary residence to XXXX XXXX, XXXX, XXXX XXXX XXXX, while my US mailing address remains XXXX XXXX XXXX XXXX. Thus, I have not lived at XXXX XXXX XXXX in 12 years. According to information listed in my account on ERC.com, the creditor made only two attempts to communicate with me about this debt, once on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. Both were letters addressed to me XXXX XXXX XXXX, an address which, at the time the first letter was sent, I had not lived for 9 years. It is a violation of the Fair Credit Reporting Act to send the only notification of this debt to an address at which I have not lived for 9 years. Consequently, I only found out about this debt in XX/XX/XXXX ( this month ) when I logged into my credit report.I do not consider this adequate notice to dispute the debt. Furthermore, by the time the first contact was attempted with me in XXXX, this debt had already passed the statue of limitations for collection in New York State. Furthermore, I will note that XXXX XXXX XXXX, the original creditor, no longer exists. It has become XXXX XXXX XXXX which I have never done business with and have never had an account with. I have never received any communication about this debt from XXXX XXXX XXXX or XXXX XXXX. The original date given on my credit report, for this debt is XX/XX/XXXX, which is extremely misleading and implies that the debt was recent. It is not recent. It is 12 years old and from a company that no longer exists. Had it been added to the report 12 years ago when it actually originated, the statute of limitations in New York State would have required it to be removed from my credit report already. Thus, it is unreasonable that it is still there. It is inaccurate and is severely harming my credit and I am requesting that it be removed immediately. As a show of goodwill, I repaid the debt in full on XXXX XXXX. I have attached a photo ID card from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which proves that my primary residence has been in the XXXX XXXX XXXX since XXXX XXXX, XXXX, long before your letters were sent. I have also attached the two letters that were only methods of communication about the debt, according to the ERC 's own website, and which I never received until I logged into the site this year after being informed about the debt due to its inclusion on my credit report. I do not wish to escalate this matter further, so again, I am requesting that this debt, which is now fully paid, be promptly and completely removed from my credit report with all three credit bureaus. Thank you for your prompt cooperation in this matter.
Company Response:
State: MN
Zip: 55082
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of my dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have 15 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of this letter will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A