Date Received: 2021-10-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced Recovery Comp at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collections notices in the amount of {$630.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, Debt Declaration Letter, and cease and desist. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?
Company Response:
State: CA
Zip: 95824
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted ERC about a collection account on XX/XX/2021. I disputed the amount owed and requested a detail copy of the bill. I also contacted the original creditor and there is no record of the collection account. I was informed by ERC I would receive the account detail within 24 to 48 hours. I did not receive the account detail. I called back 2 weeks later and was informed the account was in dispute status. I called again on XX/XX/2021 and was advised the account detail was not available and would be requested again. I also was informed the account would be escalated. I have been asked by several individual what do I believe I owe? My response is XXXX but I really do not know that is why I am requesting account details.. I have never received an itemized bill from the collection agency or the original creditor XXXX. I have never received a collection letter from ERC.
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC ( Original Creditor : 11 XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 I sent a letter to ENHANCED RECOVERY COMPANY. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Company Response:
State: IA
Zip: 507XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: ERC a third party collection agency violated my rights by contacting me through mail, In the letter sent to me there was a logo that belongs to this company, in 15 USC 1692b ( 5 ) states that use of any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt is a violation. ERC also violated my rights by claiming I owe a debt, violating 15 USC 1692b ( 2 ). In the letter ERC used obscene and profane language violating 15 USC 1692d ( 2 ), and threatened to report me to the credit agencies, this action ruins my reputation and is defamation of character and it is a violation according to 15 USC 1692d ( 1 ). ERC also used false and misleading communication violating 15 USC 1692e ( 5 ) Threatening to take any action that can not legally be taken or that is not intended to be taken, and again stating they will attempt to ruin my reputation and character violation of 1692d ( 1 ). ACTIONS I TOOK : *wrote out an itemized list of every violation, labeling them exhibits ( a ), ( b ), etc. *highlighted and wrote in red ink every violation on the original piece of mail I received. *wrote an affidavit of Truth with all exhibits clearly itemized. *in the affidavit stated that I am sure the removal of my information from ERC website, company records, or any and all derivatives therefore, of, and / or with any affiliates will ensure my privacy right won't be violated again due to my lack of consent. *stated that I do not accept their offer to contract. *stated that I do not consent to these proceedings. *stated that I do require subrogation of the bond to settle the charge *I typed out all factual violations in an affidavit of truth which was then notarized. *sent the affidavit of truth to ERC response address listed via Certified Mail.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was a XXXX XXXX subscriber. XXXX XXXX offered a hardware device to make internet calls from your cell phone while at home. It did not appear to work. I returned the hardware device to a XXXX XXXX store on XXXX XXXX, in XXXX, NY. Several years later, XXXX XXXX began contacting me about an alleged owed debt of {$35.00}. I explained that I had returned the hardware device. I spent hours on the phone with no resolution. I was told by XXXX XXXX to go to the XXXX XXXX store I returned it to. I did, on several occasions, again spending ~ 1 hour in person. The store personnel were very nice, explained this happened a lot, that I shouldn't owe it if I returned it, but that they didn't keep good records and didn't have any record of my return. I again tried XXXX XXXX. I communicated in writing with XXXX XXXX. The issue appeared to be resolved. XXXX XXXX then, apparently, sold the debt to Enhanced Recovery. Enhance Recovery called me. I explained I did not owe the debt. Enhanced Recovery kept call, at times demanding that I provide personal identifying information prior to them ( a ) agreeing to explain why they were calling, ( b ) providing information about the alleged debt or ( c ) providing me a basis to dispute the debt. Enhanced Recovery and XXXX XXXX have now reported a {$130.00} debt to credit reporting agencies which is showing up on my credit report with all 3 credit bureaus and negatively affecting my credit score. My credit has always been exceptional. Please investigate and take appropriate action action against XXXX XXXX and Enhanced Recovery. Enhanced Recovery Account # XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Company Response:
State: NY
Zip: 14216
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Good Evening. I am reaching out because I received a letter from Enhanced Recovery Company LLC. They are contacting me about a debt that does not belong to me at all. This account was previously with XXXX XXXX XXXX around XX/XX/2020. I disputed it and provided them with a police report. They removed it. Now it appears that it was sold to ERC LLC. I don't appreciate being contacted about a dept that doesn't belong to me and that is fraudulent. I have disputed the validity of this debt and now I am submitting a complaint in regards to this issue. I do not owe anyone XXXX with a reference number of XXXX. This debt does not belong to me.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC is reporting inaccurate, erroneous, unverfied/unvalidated information on my credit report. On XX/XX/2021 I sent a certified letter to XXXX regarding inaccurate and unvalidated information on my credit report being reported by ERC- account # XXXX see letter attached. I received a letter from XXXX stating that they verified the account as accurate. I also informed them of certified letters sent to ERC for validation of the account and they have been ignored. I have enclosed letters sent to ERC along with certified receipts showing that ERC is not Signing for Certified Letters. I also enclosed a screenshot of my credit report from XXXX dated XXXX where the account is not marked disputed, and a screen shot dated XX/XX/2021 account is marked disputed which could only mean ERC is receiving the letters and is refusing to validate this debt. Since this account was not verified by a human, I want this account remove from my credit file immediately, I do not have the money to keeping sending certified letters that not get answered.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A