Date Received: 2022-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a natural living and breathing person ; consumer by the name of XXXX XXXX XXXX. I am submitting this information with my own free will and I am not being coerced by any third party or agency. As of XX/XX/2022 I reviewed my consumer report and noticed that you are in violation of my rights by committing fraud, reporting that I owe an alleged debt that I have no knowledge of. I hereby refuse this alleged debt. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I am requesting a DEBT VALIDATION. I demand documentary evidence which shows that I legally owe you an alleged debt. I am also aware that you are violating my rights Pursuant to the Fair Credit Reporting Act,15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report.
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello ENHANCED RECOVERY ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this 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 correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Filed Complaint # XXXX against XXXX which was referred to CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and closed. In addition, Complaint # XXXX was filed against XXXX XXXX XXXX XXXX XXXX. Per the company 's response, to CFPB : " The account has been placed in a disputed status and verification of the debt will be requested from our client and mailed the address on file. There will be no further communication until the dispute investigation is completed. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this may have caused you. Thank You, XXXX XXXX Compliance XXXX XXXX XXXX XXXX XXXX XXXX '' As of today 's date, I have not received any further communication from XXXX XXXX OR XXXX with regards to the dispute. However, today, XX/XX/XXXX. I received a new collection letter from ERC requesting payment of the same {$170.00}
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I paid off a debt I owed XXXX XXXX XXXX years ago for a past due phone bill. Enhanced Recovery has sought to get me to pay this debt on several occasions. They have tried on several occasions to get me to pay the debt.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX kept the bill and when the debt collection timeline passed, they sold the debt to another collection agency and restarted the debt collection timeline. Then, while trying to apply for a mortgage, I settled with ERC ( enhanced recovery company ) for {$390.00} which was less than the original debt, but I was told that I could settle for less than the total debt owed and this would take care of the problem. However, after I settled with ERC, they would not provide the correct documentation to show that the debt was settled and I no longer owed any money on that account. They would only provide the correct documentation when my mortgage loan officer did a 3 way call with them and informed them that she would be contacting the president of the company to report that they were violating the following law : Here is what the law says : Since they report to at least 1 bureau they must follow FCRA reporting rules and provide non contingent invoice/confirmation of the acct being a zero balance either via snail mail, email, fax upon request. Beyond that, the " supervisor '', XXXX XXXX, was incredibly rude, condescending, and seemed to take pride in being difficult and not providing what I needed.
Company Response:
State: WA
Zip: 98684
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I already items already deleted off my credit report camelback under a different creditor I would like this removed this is illegal
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I keep disputing a debt with the credit bureaus about a so called XXXX account. Enhanced Recovery Systems is the collection agency reporting this debt but have not provided written proof of the original contract. XXXX has ignored my requests to provide proof of the original contract as well as ERS. I have disputed this debt multiple years including 2021. Please ask them to provide proof of the original signed contract. I know my rights as a consumer and I know they have 30 days to provide proof of debt or delete it. They have not been in compliance. Enhanced Recovery Systems Account XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response:
State: TX
Zip: 78210
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am currently trying to fight this due to the fact that I am never late on this account for whatever reason they did not process the payment for that month and as a result they have sent it to collections but I still have the credit with the company.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: As of XX/XX/XXXX I have informed Enhanced Recovery Collection of identity fraud and have provided them with an identity fraud filing with FTC IdentityTheft.gov on an idem they have reported to XXXX, and yet knowingly they kept additional fraudulent account information that they had under my name and Social Security Number from in in an attempt to harm my credit report in future as they did in XXXX of XXXX. The attached document shows that Enhanced Recovery collection had knowledge of a fraudulent account opened under mu name & SSN with XXXX XXXX XXXX in XXXX of XXXX, and when I notified them with FTC Identitytheft.gov informing them of fraudulent account they reported for charges with XXXX XXXXXXXX, they failed to notify me of the other collection account they had at the time under my name & SSN with XXXX XXXX XXXX and as a result waited for an opportunity on XXXX of XXXX to knowingly hurt my credit rating with Credit Reporting Bureaus. I have attached both Identity Theft report as well as a screenshot of my XXXX Credit Report showing XXXX XXXX XXXX fraudulent account was with Enhanced Recovery Collection on XX/XX/XXXX.
Company Response:
State: CA
Zip: 90601
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A