Date Received: 2021-12-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX, is the consumer in fact and I am asserting all rights. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( 2 ). I, the consumer, am contacting the CFPB about an alleged debt from Enhanced Recovery Company. On XX/XX/XXXX, I received copies of my consumer reports from the three major reporting agencies to find that Enhanced Recovery Company reported the alleged debt to the consumer agencies without providing proper notice pursuant to 15 U.S. Code 6802 ( a ). The debt collector also violated 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) ( C ) of the Gramm Leach Bliley Act by not giving I, the consumer, the option to opt out of disclosures to third parties. I sent a validation letter to the ERC and I asked for the company to provide documentary evidence and a contract to provide that I owe the alleged debt. The debt collector failed to supply the evidence. On XX/XX/2021, I produced a cease and desist pursuant to 15 U.S. Code 1692c ( c ). I am currently awaiting a response.
Company Response:
State: TN
Zip: 382XX
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX services is refusing to remove fraudulent information From my consumer report. I have requested matter several times with XXXX XXXX and XXXX XXXX
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. I AM NOT LIABLE TO ANY OF THESE TRANSACTIONS.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX XXXX XXXX I received my first debt collection notice from the company ERC ( original creditor being XXXX ) dated XX/XX/2021 with my UPDATED XXXX, IA address at that address location. I contacted ERC on XX/XX/2021 disputing the collection in question and requesting validation of the debt, at this time the company advised me they had an old XXXX XXXX, IA address on file so I gave them the updated XXXX, IA address that they had mailed the collection notice to. On XX/XX/2021 I called ERC again to check on the validation request, I was again advised they only had my old XXXX XXXX, IA address and I again advised of the XXXX, IA address. I was also advised that they had not received anything from XXXX at that time in regards to the validation of the debt. I followed up again with ERC on XX/XX/2021 twice due to the first representative disconnecting my call, and both representatives still only had my old XXXX XXXX, IA address. I was advised that they had still not received from XXXX not sent me validation of the debt in question. Since it was now passed 30 days from my initial dispute/request and they failed to provide validation I requested the debt be removed/closed. After escalation I was transferred to speak with the " Office of the President '' of ERC but received their voicemail. I left a message and when I heard nothing back a few days later I called the " Office of the President '' again complained about the call center not being able to update my address and that I wanted this debt closed since they could not provide me proof/validation. I was told I would need to speak with XXXX about having the debt closed and why they were failing to provide validation. On XX/XX/2021 after receiving nothing from either company since XXXX 's discussions I contacted XXXX. I explained the situation and was just advised that I would need to contact ERC and work with them only. I called ERC on XX/XX/2021 and was advised they still only had my XXXX XXXX, IA address and that they did try to send me the validation in XXXX, but I never received anything from either company, I am speculating it would have been sent to the bad address they could not seem to change/update. I do want to add that this company, ERC kept advising me that they are not a collection agency and therefor couldn't close the debt. I find this hard to believe since their disclosure on the phone and on their Collection notice letter states " This is a debt collector attempting to collect a debt... ''
Company Response:
State: IA
Zip: 50208
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. ERC & {$6300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have 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.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Company , LLC sent a dunning notice dated XX/XX/2021 addressed to me. The notice stated that I owe them an alleged debt of {$270.00} for Account # XXXX. Enhanced Recovery Company , LLC sent the notice to an address where I do not reside. This account is identity theft, I filed a FTC report with the consumer reporting agencies when XXXX XXXX XXXX sold the alleged debt to XXXX, XXXX debt collection agency, their account number for this alleged debt was Account number # XXXX for {$270.00} ( notice both account numbers are different for each debt collection agency ). XXXX terminated collection efforts due to identity theft. I find it strange that Enhanced Recovery Company LLC is collecting XXXX cent more than XXXX, please be know it is against federal law for a debt collection agency to add fees on to a debt balance. Also in order for a debt to be a in fact a debt there must be a transaction involved, I have no relationship with Enhanced Recovery Company LLC so there is no voluntary transaction, I am also not contractually included in the business transaction between Enhanced Recovery Company , LLC and XXXX XXXX XXXX. And from reading my consumer report XXXX XXXX XXXX has charged off this alleged debt which means the alleged debt is not collectable, therefore there is no longer a transaction. If Enhanced Recovery Company , LLC decides to pursue to place this alleged debt that resulted from identity theft on my consumer report, let it be known that I sent Enhanced Recovery Company , LLC a Notice of Dispute ; Demand for Validation and Proof of Claim letter detailing the documentary evidence I will need to validate this alleged debt pursuant to federal law, if I don't receive such documentary evidence in XXXX days your claims of me owing you {$270.00} will be invalid and dismissed.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ERC & {$100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXXXXXX XXXX was notified of identity theft in XXXX and has sent this debt to a collection agency. I have responded to the collection agency before and told them this debt is invalid.
Company Response:
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate named XXXX XXXX. THE COMPANY, ENHANCED RRECOVERY CO, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, ENHANCED RRECOVERY CO, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX ON THE PUBLIC AND PRIVATE SIDE. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A