Date Received: 2022-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Under 16 CFR 433.1- Definitions 15 USC 1684-Civil Liability 15 USC 1692 ( b ) -Permissible purpose The Company/Seller disclosed my account information without my written permission and/or consent ; There is no Contract andor Business Arrangement ; According to the status of the collection account, it is in one or more places " assigned to an attorney, collection agency, or credit grantor 's internal collection department. '' -There is no plain writing, clear and concise to direct which one of the entities it has delivered the security/instrument/account to ; Created an adverse action affecting my credit file in a negative way ; Testifying false and misleading formation, which I did not give nor gave any permission written or oral to make a report for my file. I seek all refunds, damages, and remedies applicable to this issue.
Company Response:
State: OK
Zip: 74074
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The vehicle was stolen and never late. When I called the creditor agreed to clear the late payments for excellent pay history and good will. Since the vehicle was stolen and this was the end of the loan period.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Enhanced Recovery Company contacted me attempting to collecting on a debt that I have never contracted or agreed to pay them. The rep stated I owed them the debt even tho I had not contracted to pay them because they purchased the debt from another company. I told the rep I would not be paying on a debt that doesn't belong to me and I think he/she may be calling the wrong person. I also told that rep I would be sending in a debt validation letter to validate this debt. The rep continued to call me everyday for the next couple weeks, leaving horrible threats on my voicemail. They began to contact me by mail shortly after the first call I had with that rep. After them harassing me for this debt they started to report negative and defaming information on my consumers report about this account.Upon checking this account I noticed Enhanced Recovery Company reported multiple inaccuracies on this account to the three main credit reporting agencies, which is now hurting my score/consumers report. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. When I noticed the account on my consumers report I sent Enhanced Recovery Company a debt validation letter which I have attached to this complaint. Enhanced Recovery Company never responded to the letter. I proceeded to dispute this account with XXXX, XXXX, and XXXX and they failed to provide me with the a solution to this problem while knowing there are many inaccuracies reporting within this account. They did not thoroughly investigate this account which has prompted me to make this complaint. Since Enhanced Recovery Company have never responded to the debt validation letter or supplied me with sufficient information in order to validate this debt, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies within this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity as 12 CFR 1022.41 states they should be. As you can see For account XXXX there are inaccurate account numbers, date opened, balance, high credit, last reported, and date last active reporting to the three main credit bureaus. These inaccurate reporting across three major credit agencies are affecting my consumers report. Please remove this account from my consumers report. Due to the inaccuracies of this account reporting to three credit reporting agencies incorrect information I have been denied loans I would have been approved for had this account been handled with accuracy and integrity.I have been denied employment, essential housing etc due to this company reporting inaccurately on my consumers report. This has caused me so much stress I am having XXXX everyday due to the inaccuracies reporting on this account all while knowing the debt is not mines! I will continue to be denied loans, housing etc if this inaccurate Information continues to report on my consumers report, remove this account from my consumers report as I the consumer am the one suffering for something that's not mines. Enhanced Recovery Company account # XXXX
Company Response:
State: CA
Zip: 93725
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ( Enhanced Recovery Company ) at ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) has been sending me collection notices in the amount of ( {$130.00} ) the collection opened XX/XX/2021 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: End of XXXX of XXXX I cancelled my service with XXXX XXXX to be shut off on XX/XX/XXXX, as I was moving. They said they would send mailing kit so I could send back receiver, it didn't get to me. XX/XX/XXXX asked again for kit never got it. XX/XX/XXXX I talked to XXXX XXXX XXXX for collection. I was told I needed to give back the reciever or pay {$140.00}. I told them I have been waiting for a mailing kit. I was told I could go to a UPS and they would send it for me. I did that in XXXX, MI the return reference # XXXX. XX/XX/XXXX spoke to rep from XXXX XXXX said they had not received anything. They transferred me back to collections to speak with them because at this point it in collections and they couldn't do anything. After speaking with several reps I was told it takes 2 billing cycles to make adjustments. As of XX/XX/XXXX they had no information. XX/XX/XXXX received letter XXXX. XXXX collections, told me they would register a complaint. XXXX XXXX a collection agency sent letter dated XX/XX/XXXX. I was told to file a written complaint. I wrote a letter, sent copies of bill and all collection notices, sent out XX/XX/XXXX. I received a letter from ERC a debt collector dated XX/XX/XXXX, XXXXtrying to collect. I called them and the rep said it was for services rendered not equipment. This is crazy I have been told for all this time it was for a reciever now this agency is telling me something different. I know this is incorrect. I did not owe anything as I had an auto debit come from my account monthly. I had cancelled service early enough so there would not be anything owed. They said they had no record of any calls that I've made or my dispute. But asked if I wanted to pay {$94.00} and they would clear the account. I said absolutely not. I do not know where else to turn. My name on there accounts is XXXX XXXX reference # XXXX as of the last debt collector. My email address is XXXX my address is XXXX XXXX XXXX, XXXX MI XXXX. My hope is that they will recognize my attempts to resolve this matter. Sincerely XXXX XXXX
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: please remove all accounts listed my information was compromised in a data breach.this has not been validated.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not an attorney or third party rep and I have a legal right to dispute anything on my credit report. I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. I have been informed by ENHANCED RECOVERY CO L # XXXX. was/were deleted PERMANENTLY from my credit report. Now, I have discovered the item ( s ) have been REINSERTED on my credit file.
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: When I pulled my consumer report, I seen that Enhanced Recovery Company reported an account for the amount of {$170.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never entered into a contract agreement with this organization and I challenge Enhanced Recovery Company to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.
Company Response:
State: TN
Zip: 382XX
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I CHECKED MY CREDIT REPORT AND FOUND ITEMS THAT DONT BELONG TO THAT ARE NEGATIVELY AFFECTING MY XXXX SCORE. I WANT THESE ITEMS REMOVED.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A