| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX, NC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPT OF DE XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
ENHANCED RECOVERY CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.
B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ).
Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( XXXX ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., XXXX, XXXX XXXX at XXXX ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. XXXX ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ).
The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections.
Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB XXXX Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. XXXX ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. XXXX ) ( per curiam ) ( unpublished table decision ) ( citing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 11/27/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Office of the President CC : Enhanced Recovery Company DBA : ERC XXXX. XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX OFFICE OF THE PRESIDENT AFFADAVIT OF TRUTH Reference # XXXX Dear Executive Office, Pursuant to Federal Law 15 U.S Code 1692g Validation of Debts, Enhance Recovery Company XXXX XXXX XXXX XXXX the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. I am XXXX XXXX a natural person in flesh, the consumer, demanding the name and address of the original creditor of this alleged debt owed. This alleged debt is assumed to be valid, which it is not valid per my rights pursuant to Federal Law. The continuance of the debt collector Enhanced Recovery Company & XXXX XXXX XXXX reporting this alleged debt on my alleged consumer report is a violation of my rights pursuant to Federal Law.
15 USC 1692A 803 Definitions ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
15 U.S Code 1692g Validation of Debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Pursuant to Federal Law 15 USC 1602 the term creditor refers only to a person, banks can not extend credit pursuant to Truth and Lending Act only a person. A creditor must incur something which means take liability. These acts on behalf of your company are unfair credit practices and or reporting that undermines the public trust. Banks are debt collectors.
Pursuant to Federal Law 15 USC 1602 the term bureau refers to only the Bureau of Consumer Financial Protection. It is a willful noncompliance and violation of my federal rights of privacy as a consumer to share personal information to 3rd party organizations such as XXXX, XXXX, and XXXX without my written consent.
15 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) BUREAU.
The term Bureau means the Bureau of Consumer Financial Protection.
( c ) The term Board refers to the Board of Governors of the Federal Reserve System.
( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
( e ) The term person means a natural person or an organization.
( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.
( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract.
( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.
( k XXXX The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.
( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person.
( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card.
A national bank has no power to lend its credit to any person or corporation.
... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.
There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. National Bank of Commerce v. Atkinson, 55 E 471.
Pursuant to Federal 15 USC 1681i any and all inaccurate or unverifiable information must be promptly deleted from the consumer file. I have contacted XXXX, XXXX, and XXXX in reference to the inaccurate information and these organizations continue to violate my Federal Rights willfully.
Pursuant to Federal Law USC 1681s-2 ( b ) provides a private remedy to injured consumers. Thus, a consumer can sue a company for furnishing inaccurate and/or incomplete information. In this case, the furnisher allegedly failed to take prompt and appropriate corrective action once it was notified that it had reported inaccurate information.
Toby D. NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORP., Defendant-Appellee.
Philbin v. Trans Union Corp., 101 F.3d 957, 962 ( 3d Cir.1996 ) ( quoting 15 U.S.C. 1681 ( b ) and Guimond v. Trans Union Credit Information Co., 45 F.3d 1329, 1333 ( 9th Cir.1995 ) ) ( citations omitted ).
Title 15 U.S.C. 1681i ( a ) provides in relevant part : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Sections 1681n and 1681o of Title 15 respectively provide private rights of action for willful and negligent noncompliance with any duty imposed by the FCRA and allow recovery for actual damages and attorneys ' fees and costs, as well as punitive damages in the case of willful noncompliance. 1 Pursuant to Federal Law USC 1681 A, a consumer report does not include any authorization or approval of an extension of credit or any communication among persons affiliated by corporate control. The alleged debt owed that the debt collector Enhanced Recovery Company & XXXX XXXX XXXX is reporting on my alleged consumer report is a blatant violation of my rights pursuant to Federal Law.
15 USC 1681a Definitions ; rules of construction Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) CONSUMER REPORT.
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; Pursuant to Federal Law 15 USC 1681 B My personal information is not to be furnished on any consumer report or with anyone without my written instruction. This is a willful violation of my Federal Rights as a consumer.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Pursuant to Federal Law 15 USC 1692 C, the debt collector Enhanced Recovery Company & XXXX XXXX XXXX must cease collection, and communication of in reference to the alleged debt owed that I am refusing to pay. This inaccurate collection is an inconvenience to me and my future as a consumer. Sharing my personal address with other organizations to furnish on a consumer report without my permission willfully is a violation. Enhanced Recovery Company & XXXX XXXX XXXX has violated my rights pursuant to Federal Law by communicating with a third party about an alleged debt owed.
15 USC 1692 Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLYWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
15 USC 1692b 804. Acquisition of location information Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use 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 ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector Pursuant to 15 USC 1692E ( 11 ) Enhanced Recovery Company & XXXX XXXX XXXX initial communication with a consumer must be disclosed that they are a debt collector and there is an attempt to collect a debt. I the consumer have not received disclosure written or oral stating that Enhanced Recovery Company OR XXXX XXXX XXXX had the intent to collect a debt or that they are debt collectors. This is a willful violation of FEDERAL LAW and my rights as a consumer. This alleged debt is now null and void. A debt collector may not use any false, deceptive or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.
15 USC 1692E False or Misleading Representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
Pursuant to 15 USC 1692E ( 3 ) Any communication from an attorney on behalf of Ehanced Recovery Company or XXXX XXXX XXXX is a violation of FEDERAL LAW. The letter sent to me from XXXX XXXX is signed by a legal assistant. As a consumer this is willful violation of my rights pursuant to FEDERAL LAW.
15 USC 1692E ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) I am invoking specified remedy as a consumer. I am demanding monetary relief of {$100000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. I am also demanding any balance for any alleged debt owed reported on my alleged consumer report to be zeroed out and report as paid in full.
15 U.S. Code 1692g - Validation of debts ( c ) ADMISSION OF LIABILITY The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
15 USC 1681 ( n ) ( a ) any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of damages sustained by me the consumer of {$1000.00} per violation.
I certify under penalty of perjury that the foregoing is true and correct.
Respectfully, XXXX XXXX
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| 03/05/2022 |
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- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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NOTICE From : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX Hereinafter collectively referred to as Claimant To : Enhanced Recovery Company , LLC XXXX XXXX XXXX XXXX, FL XXXX Hereinafter collectively referred to as RESPONDENT, you, your company RE : Alleged account # XXXX XX/XX/2022 NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/2022 ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.
Provide under Rule 1002. Requirement of the Original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise.
Furthermore, you shall cease all verbal communication. No phone calls, no text messages, no social media contact, no ringless voicemail contact, no email contact, the only communication must be through the UNITED STATES POST OFFICE, to the Claimant.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Consumer reporting agencies, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant consumer reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant consumer reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a consumer reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition.
In conjunction with the above request, upon further investigation I did not receive All MY TRUTH IN LENDING DISCLOSURES.
Provide me with my truth in lending disclosures 15 usc 1635 ( a ) The information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter.
The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section.
The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information You failed to prove me with the Required disclosures to OPT out of having my information reported.
The law is very clear and before you reported my information to any nonaffiliated 3rd party ( Consumer Reporting Agencies ) you should have given me the following disclosures and you did not.
Provide me with the following ; ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : a. Fails to provide VALIDATION 15 usc 1692gb and PROOF OF CLAIM within thirty ( 30 ) days ; b. All disclosures listed in this this correspondence c. Makes a false representation of the character of the herein above-referenced alleged debt ; d. Makes a false representation of the legal status of the herein above-referenced alleged debt ; e. Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : f. Voluntarily report this account to all consumer reporting agencies as paid as agreed ; and, g. Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, h. The matter regarding the alleged debt is finally and totally settled ; and, i. Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice.
Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I. One Thousand Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II. Fifty Thousand Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III. Five Thousand Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV. RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent; and, V. Three times the alleged claim amount of one hundred sixty-five thousand nine hundred seven dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI. Five Thousand Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the abovereferenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent.
This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.
Equality under the Law is XXXX and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this 1st day of XX/XX/2022 by, __________________________________ XXXX XXXX XXXX for XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX Bank, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received...
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration XXXX, XXXX prospectus, XXXX & XXXX call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
15. Provide verification from the stated creditor that you are authorized to act for them.
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt,
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| 05/23/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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ERC > XXXX XXXX XXXX claims i owe them something? can they show services I have accepted or a contract with my wet blue ink signature with a required obligation to perform??, If not then they are using my personal and private information without my consent which is a 2nd degree felony, also there are 2 counts on this letter posted in the pdf attachment, using fictitious names wich is another felony on a more serious measure, the fine is XXXX XXXX dollars and or 15 years imprisonment per violation, there are 2 violations showing on their letter!!! NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS ) in a private individuals name, or a ZIP CODE, against the individuals wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. Title XLVI CRIMES Chapter 817 FRAUDULENT PRACTICES View Entire Chapter 817.568Criminal use of personal identification information. ( 1 ) As used in this section, the term : ( a ) Access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds, other than a transfer originated solely by paper instrument. ( b ) Authorization means empowerment, permission, or competence to act. ( c ) Harass means to engage in conduct directed at a specific person that is intended to cause substantial emotional distress to such person and serves no legitimate purpose. Harass does not mean to use personal identification information for accepted commercial purposes. The term does not include constitutionally protected conduct such as organized protests or the use of personal identification information for accepted commercial purposes. ( d ) Individual means a single human being and does not mean a firm, association of individuals, corporation, partnership, joint venture, sole proprietorship, or any other entity. ( e ) Person means a person as defined in s. 1.01 ( 3 ). ( f ) Personal identification information means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any : 1.Name, postal or electronic mail address, telephone number, social security number, date of birth, mothers maiden name, official state-issued or United States-issued driver license or identification number, alien registration number, government passport number, employer or taxpayer identification number, XXXX or food assistance account number, bank account number, credit or debit card number, or personal identification number or code assigned to the holder of a debit card by the issuer to permit authorized electronic use of such card ; 2.Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; 3.Unique electronic identification number, address, or routing code ; 4.Medical records ; 5.Telecommunication identifying information or access device ; or 6.Other number or information that can be used to access a persons financial resources. ( g ) Counterfeit or fictitious personal identification information means any counterfeit, fictitious, or fabricated information in the similitude of the data outlined in paragraph ( f ) that, although not truthful or accurate, would in context lead a reasonably prudent person to credit its truthfulness and accuracy. ( 2 ) ( a ) Any person who willfully and without authorization fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning an individual without first obtaining that individuals consent, commits the offense of fraudulent use of personal identification information, which is a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. ( b ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual without first obtaining that individuals consent commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$5000.00} or more or if the person fraudulently uses the personal identification information of 10 or more individuals, but fewer than 20 individuals, without their consent. Notwithstanding any other provision oflaw, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 3 years imprisonment. ( c ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual without first obtaining that individuals consent commits a felony of the first degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$50000.00} or more or if the person fraudulently uses the personal identification information of 20 or more individuals, but fewer than 30 individuals, without their consent. Notwithstanding any other provision of law, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 5 years imprisonment. If the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$100000.00} or more, or if the person fraudulently uses the personal identification information of 30 or more individuals without their consent, notwithstanding any other provision of law, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 10 years imprisonment. ( 3 ) Neither paragraph ( 2 ) ( b ) nor paragraph ( 2 ) ( c ) prevents a court from imposing a greater sentence of incarceration as authorized by law. If the minimum mandatory terms of imprisonment imposed under paragraph ( 2 ) ( b ) or paragraph ( 2 ) ( c ) exceed the maximum sentences authorized under s. 775.082, s. 775.084, or the Criminal Punishment Code under chapter 921, the mandatory minimum sentence must be imposed. If the mandatory minimum terms of imprisonment under paragraph ( 2 ) ( b ) or paragraph ( 2 ) ( c ) are less than the sentence that could be imposed under s. 775.082, s. 775.084, or the Criminal Punishment Code under chapter 921, the sentence imposed by the court must include the mandatory minimum term of imprisonment as required by paragraph ( 2 ) ( b ) or paragraph ( 2 ) ( c ).
( 4 ) Any person who willfully and without authorization possesses, uses, or attempts to use personal identification information concerning an individual without first obtaining that individuals consent, and who does so for the purpose of harassing that individual, commits the offense of harassment by use of personal identification information, which is a misdemeanor of the first degree, punishable as provided in s. 775.082 or s. 775.083.
( 5 ) If an offense prohibited under this section was facilitated or furthered by the use of a public record, as defined in s. 119.011, the offense is reclassified to the next higher degree as follows : ( a ) A misdemeanor of the first degree is reclassified as a felony of the third degree. ( b ) A felony of the third degree is reclassified as a felony of the second degree.
( c ) A felony of the second degree is reclassified as a felony of the first degree.
For purposes of sentencing under chapter 921 and incentive gain-time eligibility under chapter 944, a felony offense that is reclassified under this subsection is ranked one level above the ranking under s.921.0022 of the felony offense committed, and a misdemeanor offense that is reclassified under this subsection is ranked in level 2 of the offense severity ranking chart in s. 921.0022. ( 6 ) Any person who willfully and without authorization fraudulently uses personal identification information concerning an individual who is younger than XXXX XXXX of age or XXXX XXXX of age or older without first obtaining the consent of that individual or of his or her legal guardian commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. ( 7 ) Any person who is in the relationship of parent or legal guardian, or who otherwise exercises custodial authority over an individual who is younger than XXXX XXXX of age or XXXX XXXX of age or older, who willfully and fraudulently uses personal identification information of that individual commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s.775.084. ( 8 ) ( a ) Any person who willfully and fraudulently uses, or possesses with intent to fraudulently use, personal identification information concerning a deceased individual commits the offense of fraudulent use or possession with intent to use personal identification information of a deceased individual, a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s.775.084.
( b ) Any person who willfully and fraudulently uses personal identification information concerning a deceased individual commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of injury or fraud perpetrated is {$5000.00} or more, or if the person fraudulently uses the personal identification information of 10 or more but fewer than 20 deceased individuals. Notwithstanding any other provision of law, the court shall sentence any person convicted of committing the offense described in this paragraph to a mandatory minimum sentence of 3 years imprisonment. ( c ) Any person who willfully and fraudulently uses personal identification information concerning a deceased individual commits the offense of aggravated fraudulent use of the personal identification information of multiple deceased individuals, a felony of the first degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084, if the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of injury or fraud perpetrated is {$50000.00} or more, or if the person fraudulently uses the personal identification information of 20 or more but fewer than 30 deceased individuals. Notwithstanding any other provision of law, the court shall sentence any person convicted of the offense described in this paragraph to a minimum mandatory sentence of 5 years imprisonment. If the pecuniary benefit, the value of the services received, the payment sought to be avoided, or the amount of the injury or fraud perpetrated is {$100000.00} or more, or if the person fraudulently uses the personal identification information of 30 or more deceased individuals, notwithstanding any other provision of law, the court shall sentence any person convicted of an offense described in this paragraph to a mandatory minimum sentence of 10 years imprisonment. ( 9 ) Any person who willfully and fraudulently creates or uses, or possesses with intent to fraudulently use, counterfeit or fictitious personal identification information concerning a fictitious individual, or concerning a real individual without first obtaining that real individuals consent, with intent to use such counterfeit or fictitious personal identification information for the purpose of committing or facilitating the commission of a fraud on another person, commits the offense of fraudulent creation or use, or possession with intent to fraudulently use, counterfeit or fictitious personal identification information, a felony of the third degree, punishable as provided in s.775.082, s. 775.083, or s. 775.084.
( 10 ) Any person who commits an offense described in this section and for the purpose of obtaining or using personal identification information misrepresents himself or herself to be a law enforcement officer ; an employee or representative of a bank, credit card company, credit counseling company, or credit reporting agency ; or any person who wrongfully represents that he or she is seeking to assist the victim with a problem with the victims credit history shall have the offense reclassified as follows : ( a ) In the case of a misdemeanor, the offense is reclassified as a felony of the third degree. ( b ) In the case of a felony of the third degree, the offense is reclassified as a felony of the second degree.
( c ) In the case of a felony of the second degree, the offense is reclassified as a felony of the first degree.
( d ) In the case of a felony of the first degree or a felony of the first degree punishable by a term of imprisonment not exceeding life, the offense is reclassified as a life felony.
For purposes of sentencing under chapter 921, a felony offense that is reclassified under this subsection is ranked one level above the ranking under s. 921.0022 or s. 921.0023 of the felony offense committed, and a misdemeanor offense that is reclassified under this subsection is ranked in level 2 of the offense severity ranking chart.
( 11 ) A person who willfully and without authorization fraudulently uses personal identification information concerning an individual who is XXXX years of age or older ; a XXXX adult as defined in s.825.101 ; a public servant as defined in s. 838.014 ; a veteran as defined in s. 1.01 ; a first responder as defined in s. 125.01045 ; an individual who is employed by the State of Florida ; or an individual who is employed by the Federal Government without first obtaining the consent of that individual commits a felony of the second degree, punishable as provided in s. 775.082, s. 775.083, or s.775.084.
( 12 ) In addition to any sanction imposed when a person pleads guilty or nolo contendere to, or is found guilty of, regardless of adjudication, a violation of this section, the court shall impose a surcharge of {$1000.00}. ( a ) The sum of {$500.00} of the surcharge shall be deposited into the Department of Law Enforcement Operating Trust Fund for the department to provide grants to local law enforcement agencies to investigate offenses related to the criminal use of personal identification information as provided in s. 943.0412.
( b ) The sum of {$250.00} of the surcharge shall be deposited into the State Attorneys Revenue Trust Fund for the purpose of funding prosecutions of offenses relating to the criminal use of personal identification information. The sum of {$250.00} of the surcharge shall be deposited into the Public Defenders Revenue Trust Fund for the purposes of indigent criminal defense related to the criminal use of personal identification information.
( c ) The clerk of the court shall retain {$1.00} of each {$1000.00} surcharge that he or she collects as a service charge of the clerks office. ( d ) The surcharge may not be waived by the court. In the event that the person has been ordered to pay restitution in accordance with s. 775.089, the surcharge shall be included in a judgment.
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| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : //codes.findlaw.com/ca/code-of-civil-procedure/ccp-sect-1250-150.html # sthash.edZyWein.dpuf ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by you or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX cc Federal Trade Commission
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| 05/26/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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so frustrating i have sent ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX, FL XXXX EIGHT letters asking for validation of this debt because i was never notified about this account from the start it just appeared on my credit profile, I sent in 8 debt validation letters via certified mail & I received no response & I have no knowledge of this debt.This Company is in violation of my rights by law They are required to validate this debt if you dispute a debt because you dont think you owe the money or the amount is incorrect. I sent along with the letters a cease and decease of calling me that was ignored also by this company. This is my next step is to file a lawsuit against.
ENHANCED RECOVERY COMPANY HAS VIOLATED MY CONSUMER RIGHTS, THIS IS THE DEBT VALIDATION REQUEST I SENT THEM 8 TIMES THAT THEY HAVE IGNORED AND FAILED TO PROVIDE ANY INFORMATION.
You are hereby ordered to CEASE AND DESIST any/all phone You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER.
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions : Condition # 1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your firm now claims is owed.
Condition # 2. Provide me with a sworn and notarized Affidavit, signed under Penalty of Perjury as follows : a. That your client is the bonafide party in interest and Holder in Due Course of the aforementioned Contract, and that they can and will further produce said ORIGINAL WET INK SIGNED CONTRACT in Condition # 1 above.
b. The names, addresses, dates and duration 's of time during which any and all persons, Corporations, associations, legal firms or any other parties and/or entities who may have had or presently now have any interest in the collection or legal proceedings regarding this alleged obligation.
c. That as a claimed debt collector, you have not purchased evidence of this alleged debt and are proceeding solely in the name of the original contracting party or parties.
d. That you know, understand and agree that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause.
e. That both you and your firm have taken reasonable and prudent due diligence to verify that the amount claimed as owed is, in fact, a legitimate and bonafide debt, prior to instigating this action and making said claim, and that all relevant correspondence, challenges, denials and counter claims by me have been fully and thoroughly reviewed by and adequately answered by your firm both prior to and since initiating this claim.
f. That since initiating this claim, your firm, or associates under your employ, did not contact me at my residence more than three times in any given week or at any other unreasonable time or in any unreasonable manner.
g. That you, your firm or associates under your employ, did not fail to identify themselves as a debt collector in any manner or at any time pertaining to this alleged claim.
Condition # 3. Provide written verification in the form of a signed, sworn and Notarized Affidavit from the stated creditor that you are authorized to act on their behalf in this alleged debt collection action.
Condition # 4. Provide the total account and general ledger statement showing the full and complete Accounting of the alleged obligation you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to same under oath to that effect.
Condition # 5.Provide Certified and Notarized copies of documents showing that you are or represent a bonafide creditor in a collection process to include : a. A notarized copy of certified documents evidencing that you are allowed to conduct business in the State of LOUISIANA as a collection agency.
b. A notarized copy of the Bond on file with the State of LOUISIANA allowing your firm to operate as a collection agency.
c. A notarized copy of the assignment letter including production of the signatures and status showing your firm as holders in due course of the alleged claim.
Condition # 6.Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt.
Condition # 7.Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt.
Condition # 8.Provide proof that your Notice of Debt Collection, is authorized by such Statutes and enforcing Regulations.
Condition # 9.Provide proof of all relevant signatures and your status as Holders in Due Course of this alleged claim.
Condition # 10. Provide the name ( s ), address ( es ) and telephone number ( s ) of the bonafide creditor ( s ) pertaining to this alleged debt.
Condition # 11. If you are acting as an Agent, provide certified copies of the registered claim upon which you are collecting, showing the name ( s ) of any and all debtors and the respective bonafide creditor ( s ) as the secured party ( s ).
Condition # 12. Provide the national and regional credit and debit card network Rules and Regulations governing electronic payments and ATM transactions ; specifically the production of all versions of the manual in each case for each service/ buyer/ successor/ transference regarding this alleged claim.
Condition # 13. Provide a sworn and Notarized Affidavit, signed under Penalty of Perjury, that all the Rules and Regulations of the National and Regional credit and debit card network Rules and Regulations were never, at any time, violated or circumvented to the detriment of the Affiance pertaining to this alleged claim.
Condition # 14. Provide verifiable proof that any actual money was ever created or loaned to me by the named creditor ( s ) whom you claim to represent, and not mere bookkeeping entries that were made by them in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on their part, as well as now yours.
NOTICE : Contacting me again without first properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number, after Verifiable Receipt of this Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or disability where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communication, what you have heretofore attempted to do was, and is, false and therefore unlawful. Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and assure you that you do so at your own peril and risk.
You have twenty one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain.
Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, or in the alternative, sending me written withdrawal of your claim, ( summary judgment ), will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection.
Be advised that notice to any agent in your firm or under your employ regarding this Conditional .Offer of Acceptance in considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by you or your firm to secure payment with a Write of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to XXXX XXXX as compensating damages.Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207.I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
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| 04/06/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 METRO 2 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 ( 1 ) 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 ( 2 ) 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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. ENHANCED RECOVERY COMPAN bal. {$150.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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 METRO 2 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 , 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 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 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 ( 1 ) 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 ( 2 ) 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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. ENHANCED RECOVERY COMPAN bal. {$330.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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 METRO 2 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 , 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 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 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 ( 1 ) 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 ( 2 ) 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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. ENHANCED RECOVERY COMPAN bal. {$420.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 03/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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 METRO 2 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 , 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 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 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 ( 1 ) 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 ( 2 ) 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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. ENHANCED RECOVERY CO L bal. {$1600.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 06/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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 METRO 2 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, 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 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 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 ( 1 ) 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 ( 2 ) 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ENHANCED RECOVERY COMPAN bal. { {$330.00} XXXX 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MO XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX,
|
| 06/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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 METRO 2 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, 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 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 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 ( 1 ) 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 ( 2 ) 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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ENHANCED RECOVERY COMPAN bal. { {$330.00} } 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MO XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX,
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| 07/09/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XX/XX/XXXX I cancelled my account with XXXX wireless. On XX/XX/XXXX I received an email from XXXX regarding my remaining balance {$1400.00} ( see attached # 3 ).
On XX/XX/XXXX I communicated with XXXX via their online chat system ( see attached # 3 ) and asked if I would be allowed to return the phones, and was told I could return the phones to a XXXX store for credit to my account. On XX/XX/XXXX I returned 3 phones to the XXXX store and I called XXXX as directed to verify the return was credited ; I was told only 2 phones showed as returned in their system. I provided XXXX with the receipt number for verification and was told they would have to do an investigation into the credit for the 3rd phone. I was also informed that I would still be responsible for paying the {$1400.00} because I terminated my contract early. I informed them I would be able to make a partial payment of {$1000.00} as soon as I received the prepaid refund card from my new wireless provider, which could take up to 60 days to receive. I was told as long as monthly payments were made my account would remain in good standing and would not be sent to a collection agency.
On XX/XX/XXXX I paid {$400.00} to XXXX via their online system ( which is shown in the bills sent by ERC ) and on XX/XX/XXXX I paid XXXX {$1000.00} via telephone confirmation # XXXX ( also see attached # 3 ), and was told my remaining account balance of {$38.00} for the 3rd phone would remain in Sprints collection dept until refund was credited to account for the 3rd phone. I was assured the account would not be sent to a collection agency. In XX/XX/XXXX and XX/XX/XXXX I called to check the status of the investigation and was told I only owed for the wireless charging pad that I had financed for a total of {$57.00}. I paid the {$57.00} during that call for the charging pad and I was told that payment satisfied the remaining balance on my account. In total I paid {$1500.00}, which was {$19.00} more than the total amount I was told I originally owed. I did not receive any further bills/notices from XXXX after the payment I made on XX/XX/XXXX except for the {$1000.00} payment confirmation email I received on XX/XX/XXXX ( see attached # 2 ).
In XX/XX/XXXX I received a collection notice from XXXX XXXX for {$600.00}. On XX/XX/XXXX I disputed the collection via CFPB and on XX/XX/XXXX XXXX XXXX deleted the collection account from my credit reports and stopped collection activity. However, on XX/XX/XXXX XXXX XXXX XXXXransferred the account to Enhanced Recovery Company , LLC ( ERC ). ERC began reporting this debt as a collection account in the amount of {$600.00} on my credit reports on XX/XX/XXXX. XXXX XXXX had no right to transfer/sell the debt to ERC because the debt is not valid, they were not able to validate or substantiate the debt, and they admitted such when they responded to my complaint against them. I am again disputing this debt, with ERC. ERC is also reporting two different addresses as theirs on my credit reports.
On XX/XX/XXXX I submitted a compliant via CFPB regarding ERC 's attempts to collect the invalid debt from me. I had never received a notice/bill from ERC, and I also never received any phone calls regarding the invalid debt. I was notified via my credit monitoring service that ERC had reported the invalid debt on my credit reports in XX/XX/XXXX. After submitting my compliant to CFPB, ERC sent me several bills ( see attched # 1 ) and 2 lease agreements from XXXX. However, the documentation does not verify/validate the debt. It also does not reference the payment I made on XX/XX/XXXX in the amount of {$1000.00}. ERC submitted a response to my complaint with CFPB claiming their documentation validates the debt but it does not.
The bills reflect accurate accounting until the bills marked " Bill Period : XXXX XXXX, XXXX '' and " Bill Period : Jul XX/XX/XXXX. '' The bill marked " Bill Period : XXXX XXXX, XXXX '' reflects a total amount owed {$2100.00} and states on pg. XXXX of 6 that the purchase option amounts of {$890.00} and {$590.00} XXXX {$1400.00} XXXX would be credited to my account once the devices were returned in good working condition. The devices had already been returned in excellent working condition in XX/XX/XXXX and the amount was deducted from the total amount owed on the final bill provided by ERC/XXXX. However, in the documentation provided by ERC/XXXX, an additional amount of {$600.00} was being claimed by XXXX on the bill marked " Bill Period : XXXX XXXX XXXX. ". This amount is inaccurate and does not reflect the amount shown on the previous bill or in the emailed bill I received on XX/XX/XXXX ( see attched # 3 ). The total amount owed, {$2100.00} minus the total amount due for the remaining monthly lease payments and purchase option price in the amount of {$1400.00} XXXX credited after the phones were returned ), should have resulted in a difference of {$620.00}. Once my payments of {$1000.00} on XX/XX/XXXX and {$32.00} on XX/XX/XXXX were applied I would have over paid XXXX by {$440.00}.
ERC also claimed in their response that they mailed documentation to me on XX/XX/XXXX ; however, the only documentation they ever sent was on XX/XX/XXXX which was their response to my CFPB complaint. ERC also claims that on XX/XX/XXXX XXXX attempted to collect a payment of {$620.00} from me that was declined which is false. XXXX attempted to charge my bank account on XX/XX/XXXX in the amount of {$1600.00} and it was declined by my bank as a fraudulent charge ( see attched # XXXX XXXX. ERC claims XXXX wrote off the account on XX/XX/XXXX ; however, the final bill provided by ERC/XXXX shows they accepted a payment from me on XX/XX/XXXX and there is no mention of the account being written off/charged off. Finally, ERC claims the total amount due reflects all charges and fees through the port-out date of XX/XX/XXXX. This proves my payment amounts were after the cancellation date. ERC and XXXX did not provide any documentation that reflects my payment on XX/XX/XXXX. And the amounts shown on the final bill provided by ERC/Sprint show an inaccurate amount.
My account was never delinquent with XXXX and they continued to accept payments from me after XX/XX/XXXX, which is the delinquency date being reported on my credit reports. I do not owe the {$600.00} or any other amount to XXXX or ERC because my debt to XXXX was paid in full in XX/XX/XXXX. In addition, I do not owe ERC for the invalid debt. Also, XXXX no longer owns the account as ERC claimed in their response because it was written off/charged off by them in XX/XX/XXXX according to ERC. ERC is attempting to collect an invalid debt from me.
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| 11/04/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This company as do many collection companies buys debt that they've not verified has been disputed in the past with the debtor. The debtor is just trying to clear their books for XXXX to end in the black rather than red. They just think that they can buy it, start making harassing robo calls to the debtee & they'll scare the person into paying. Well they called the wrong person because that doesn't fly with me! I've been repeatedly getting calls from XXXX area code numbers that are in CA. Each time I didn't answer because I don't know anyone that answers calls for numbers they don't recognize. I've blocked all of them including the one that called today. When you try to call them back it says the number isn't valid. That tells me it's a scammer so it gets blocked. I spoke to XXXX XXXX today who was very nice. We went through the verification process & she was able to tell me it was XXXX XXXX XXXX. I told her not very nicely unfortunately, that I don't owe them the amount they claim ( more than {$400.00} ), I endlessly disputed the debt with them because one of their foreign reps with limited English comprehension skills lied to me about an email I received warning me my contract plan was up & to call for new rates. She said to ignore it that my rate didn't expire for another month. Turned out she didn't know what the heck she was talking about, it expired the month I received it, then I received a bill for above {$200.00}! I tried numerous times to resolve this including complaining to several managers. Not 1 tried to help. I complained to the FCC & their corp. office contacted me. That was a disaster in itself. None of them were helpful just rude! They never tried to call me when I was available even though I told them when I would be available ( obviously I was trying to resolve it ), they kept making calls to me when I wasn't able to answer my phone leaving XXXX messages to cover their rear ends. I told them numerous times if they called me after a certain time I'd be at work & would not be answering my phone because my employer doesn't pay me to handle personal business on their time! They tried to make me feel guilty, which I didn't because that pay check was paying their bills!!! I left some pretty tart messages for them. They all finally admitted they have a lot of people to call ( no surprise due to their terrible customer service & error riddled billing system ) & only have until XXXX XXXX to do it. Why couldn't they say that in the beginning?! Because it's XXXX XXXX XXXX & thinking is not their strong suit. I got into an argument with with 1 who kept calling me. She nor any of them really tried to help. Each time she was more annoyed & I reciprocated. She wasn't going to belittle me under any circumstances! I don't tolerate that behavior from anyone. Eventually I quit taking their calls, we weren't accomplishing anything just getting into arguments. They just wasted my time to cover their XXXX because they never had any intentions of helping. Around XX/XX/19 they cut off my service, then billed me for a full month service which I didn't have! I fought with them about that too. One of their managers in the XXXX lied to me saying she would credit the bill & adjust it to the few days which amounted to {$75.00} or so. She gave me her extension telling me to call her back, I did numerous times but she was conveniently never available or no one knew who she was. Again, standard practice for XXXX XXXX XXXX! I got tired of trying to fix the problem. This went on for more than a month. I was in the process of moving & didn't have time to deal with them anymore. So when a collection person called me I briefed them on what happened, how I was treated & that until they corrected that bill to the right amount they would NEVER be paid! I maintain my stance on that to date! That's what I relayed in a shorter version to XXXX XXXX today. I told her to tell XXXX XXXX XXXX to XXXX what I XXXX because it was never getting paid! If ERC thinks because they now own the debt that I'll pay them, WRONG!!! The bill is wrong & I REFUSE to pay an incorrect bill! I don't care who bought it! That's a them not a me problem. I told XXXX XXXX that if they even attempted to damage my credit with this that I would not hesitate to sue them & I will for quadruple the amount + legal fees! ERC should've made sure the debt wasn't in dispute prior to purchasing it. I doubt XXXX XXXX XXXX would've told them the truth but it goes back to what I said, standard practice for XXXX XXXX XXXX. XXXX XXXX XXXX had more than ample time to resolve this with me, & it wasn't like I didn't stress myself out trying, but they refused, blew me off, cut off my service & I returned their attitude without hesitation! Until they fix the bill I will never ever pay it! Like I said let ERC damage my credit & I won't just sue them I'm going after XXXX XXXX XXXX too! I did my part, XXXX XXXX XXXX refused to assist & now it's coming down to a law suit or ERC returning the debt to XXXX XXXX XXXX. They would be smart to send it back! I told XXXX XXXX not to call again & I mean it. If I get another unauthorized call from ERC I will go to the FTC XXXX FCC & report them for harassing robo calls & I'll keep blocking the numbers. If it gets too bad I'll call my carrier & report the issue to them as well! So ERC you lost by purchasing a debt you never verified is actually legitimate. If XXXX XXXX XXXX had worked with me this would be a non issue because I would've happily paid them directly. I'm not trying to skirt debt but I'm also not going to pay something I know is inaccurate either! It's the principal. By the way ERC has YET to send me any written communication! I never received any notification from them just a call. So what makes these idiots think I would begin to consider paying something for which I have NOTHING in writing confirming the legitimacy of their company, or the debt itself?????? Not sure what they're getting XXXX on at that company but they are DEFINITELY XXXX!!!!! Since I never got anything in writing - ever, I have no account number to reference. So tell them to look for it! I used the address they have on file to assist them.
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| 05/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Background : This account was set up in my name by a former associate using identity theft. I have disputed this account for years including recent certified/notarized disputes to the credit bureaus that ERC didn't respond to for over 4 month ( I will be filing a CFPB complaint on that immediately after this one as well ). However, due to an upcoming potential career change ( with an accompanying credit reporting investigation as part of my background check for my new employer ), I have decided to pay this account in full versus continuing the damage on my credit. -On XX/XX/XXXX @ XXXX, I contacted ERC and spoke with representative XXXX XXXX ( ID : XXXX ) in regards to making a payment arrangement on this account. XXXX asked if I was admitting to the debt and I advised I was not. I verified the address on file was incorrect ( as the debt was never mine to begin with ) and I also declined her settlement offer but opted to pay the balance in full with arranged payments. She asked if I would be putting a card or checking account on file for automatic payments. I advised I would rather call in and pay by phone. We agreed and XXXX then emailed me the terms ( due dates and payment schedule included ) of said payment arrangement on ERC 's official letterhead. On Friday XX/XX/XXXX, I called and spoke to rep XXXX XXXX to make my first payment. I advised I wanted to make 3 payments ( totaling around $ XXXX+ a {$4.00} processing fee ). He said I needed to speak with his supervisor as he didnt know how to take 3 payments. The supervisor then made a huge unnecessary production that I was paying more than the arranged payments. Eventually after an utterly banal and irritating conversation, she finally took my payment but when I asked to be emailed a receipt, she agreed to do so in a huff and hung up on me. However, she never actually sent me a receipt but instead a statement showing I made NO payments. When I immediately called back, another representative apologized on behalf of ERC that the supervisor didnt tell me that their system couldnt generate a receipt until Tuesday XX/XX/XXXX. However, she said ( several times in the conversation ) that ERC updates the Credit Reporting Agencies weekly and my credit report should reflect the decreased balance by then as well. On Tuesday XX/XX/XXXX, just as the last representative advised, I received an alert from my credit monitoring ( set up directly through FICO ) that my overall collections balance had decreased by {$170.00} and my FICO 8 score went up 17 points. On Saturday XX/XX/XXXX at XXXX, I called ERC to get my official receipt and spoke with representative XXXX . I also inquired as to the current balance/status of my payment arrangement as I started receiving collection calls a few days before. XXXX then told me that I no longer had a payment arrangement in place and that was due to the fact that I paid MORE than the arranged amount the week before. She then transferred me to the supervisor I spoke to before. When I asked why my payment arrangement would be cancelled for making MORE than what was required ( which is what XXXX told me just a couple minutes prior ), the supervisor stated I was completely incorrect and that the arrangement was actually cancelled because I didnt give them any auto draft banking information. Mind you, I already had the conversation about not leaving a debit/credit card on file when I set up the arrangement in the first place. When I brought this to the supervisors attention, she told me that I was wrong again and that the arrangement wasn't cancelled but I NEVER had a payment arrangement on file. When I told her I literally had the terms of my payment arrangement IN WRITING, I was basically told I was wrong in understanding the language of the payment arrangement. Mind you, the payment arrangement document CLEARLY reads If you have agreed to a payment arrangement, the summary page will reflect that arrangement, otherwise it will state no payment arrangements currently on file. Guess whats on the summary page? The terms of the arrangement. Ill admit at that point it was a contentious call as nothing she was saying made any common sense. After disconnecting, she then sent me a document nearly IDENTICAL to the prior payment arrangement reflecting my new lowered balance but instead of due dates, it was now marked no payment arrangements currently on file in the summary page where the arrangement was reflected previously. It also showed I was actually charged a {$9.00} processing fee for paying over the phone instead of the agreed upon {$4.00}. Chalking it up to a scorned collector on a power trip I decided to let it go and carried on with my day. That was until I got ANOTHER real time FICO alert just a few hours later. However, this time it stated my collection balance had now INCREASED {$170.00} and the balance was changed to reflect the previously HIGHER amount. I called ERC and the representative assured me that " the supervisor was really such a nice lady once you got to know her '' and she didnt think the supervisor was capable. As I am literally in the process of a credit and background check for a new job, any recent/increasing collection debt can have real and immediate damages/consequences for me. I was the one that took it upon myself to initiate the calls to ERC to set up and make payments, not the other way around. Me cleaning up my credit is of the utmost importance. It's so incredibly important to me that I'm paying debt that I personally never incurred in the first place. Low level customer service representatives with a bad attitude should not be able to use consumer credit reporting as their own personal way of 'getting the last word ' on customers that challenge them ( regardless of how nice they are to their coworkers ). I have attached all corroborating documents to show the timeline of what happened here and will be filing a complaint with the XXXX and contacting ERCS office of the President on tomorrow. This is a huge deal and will be treated accordingly.
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| 08/29/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX Legal Department XXXX I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone 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 files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all 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 with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.
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.
XXXX. 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 an alleged identity-theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. 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 ( XXXX ) 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 Items FTC Notice to Furnishers
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| 07/21/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX terminated my cellular account & service on XX/XX/XXXX. The termination was executed by a XXXX employee/agent during the course of a telephone call I made to complain about lack of coverage. XXXX has misrepresented cellular service coverage in XXXX prior inquiries I made. The XXXX agent acknowledged XXXX 's lack of service coverage in the area, offered to terminate my account & service, & advised me that I would be sent a return reauthorization number & shipping label to return the XXXX XXXX that I had leased from XXXX ( when I opened the account in XX/XX/XXXX ). I never received the return authorization number or shipping label. Furthermore, notwithstanding my repeated calls to XXXX to have the return authorization & shipping label sent to me so that I could return the XXXX, I never received either -- & was never contacted by XXXX with other instructions. I also attempted several times to return XXXX 's XXXX XXXX to three different XXXX ( brick- & -mortar ) stores. None of the XXXX XXXX XXXX stores or their employees, including store managers, would accept the phone for return. Rather, on every occasion I was directed by XXXX stores & employees to contact XXXX XXXX & to return the XXXX XXXX to XXXX XXXX. Months went by. I called XXXX repeatedly in XX/XX/XXXX & again in XX/XX/XXXX. In my conversations with various XXXX employees, including self-designated managers, I was advised that my account was closed & that I woudl be contacted ... again ... with instructions for returning the XXXX XXXX. I never received any instruction, return authorization number or shipping label. During the period from XX/XX/XXXXthroughXX/XX/XXXX XXXX, notwithstanding the fact that it has terminated my account & cellular service, was stiull assessing cellular service charges against my account in the amount of {$50.00} per month & assessing the XXXX lease charge of {$23.00} per month. After XX/XX/XXXX, I called XXXX to demand that it stop assessing service & leasing charges against my account & that it send me the return reauthorization & shipping label to return the XXXX XXXX. On XX/XX/XXXX, I called XXXX yet again & spoke with, XXXX, an Account Manager in its Financial Care Division, who advised me that he was submitting an OCA form to XXXX 's Cash Apps Team to have the XXXX Return Reauthorization executed & to have my terminated account updated to reflect the return of the XXXX XXXX, & to have the illegal cellular service & leasing charges assessed from XX/XX/XXXX through XX/XX/XXXX & XX/XX/XXXX. XXXX promised me during the recorded ( by XXXX ) telephone conversation that he or someone else from XXXX XXXX XXXX would contact me within 7 days to follow up on the status of the XXXX return authorization & corrections to the billing records reflecting the removal of the illegal cellular service & XXXX leasing charges. XXXX never contacted me. On Monday, XX/XX/XXXX, I pulled my XXXX Credit Report in advance of my plans to purchase a new car later that day. I pulled the XXXX XXXX Credit Report because I planned on financing the purchase of the new car with an auto-purchase loan. The XXXX XXXX Credit Report revealed that XXXX had assigned a {$550.00} debt collection to a debt collection agency named Enhanced Recovery Corporation ( XXXX, FL ). As a result of the adverse credit report & debt collection assignment by XXXX to Enhanced Recovery Corporation, my FICO credit score dropped from XXXX to XXXX. I contacted XXXX again & spoke with two different Account Managers, XXXX XXXX XXXX, in the XXXX XXXX XXXX Division. Both advised me that on XX/XX/XXXX, XXXX had designated my account, including the XXXX XXXX -- which is still in my possession ( in perfect condition, boxed, & ready to return to XXXX ), as a ... '' 'write-off '' & that on XX/XX/XXXX XXXX had assigned the write-off in the amount of {$550.00} to Enhanced Recovery Corporation . On thhe same day, XX/XX/XXXX, I called & spoke with XXXX at Enhanced Recovery Corporation. I explained all of the above to her & that I still had the XXXX XXXX & that I was perfectly willing to return it to XXXX or to Enhanced Recovery Corporation. In the debt collection write-up, Enhanced Recovery Corporation advised me that XXXX had charged me {$270.00} for the XXXX XXXX & aprpoximately {$280.00} for cellular service from XX/XX/XXXX through XX/XX/XXXX& for the monthly XXXX leasing costs of {$23.00} for the same period, & {$32.00} for the debt-collection assignment fee. XXXX & Enhanced Recovery Corporation refused to accept return of the XXXX & advised me that even if I made payment of {$550.00} to Enhanced Recovery Corporation that same day -- or had XXXX contact Enhanced Recovery Corporation to terminate the debt-collection action, Enhanced Recovery Corporation ... would NOT remove the debt-collection report against me ( to the credit reporting bureaus!!! As my other car was totaled in an accident, yesterday I had no choice but to proceed with the purchase of a new car. Because of the adverse credit reporting by XXXX & Enhanced Recovery Corporation, which resulted in my FCIO score dropping to XXXX, I was forced to agree to an auto-purchase loan with XXXX XXXX at an interest of ... .7.99 %!!! That 's nearly 4.5 % more than the interest rate I would have qualified for with my prior FICO score!!! And furthermore, I had to accept a 72 month amortization level to get my monthly auto-loan payment to an affordable amount, {$370.00}, which is {$65.00} per month more than I would have paid with a 3.5 % auto loan over a 60 month amortization period. I ask that XXXX & Enhanced Recovery Corporation remove the debt -- collection action against me, advise all the credit reporting bureaus of the removal, & that XXXX & Enhanced Recovery Corporation send me a reauthorization & shipping label to return the XXXX XXXX. I also seek compensation for the damages caused by XXXX & Enhanced Recovery Corporation for the escalated finance costs that I was forced to assume in the auto-purchase loan agreement.
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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
|
| 01/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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There is an account with a collection agency named XXXX XXXX XXXX. They are collecting for XXXX. They are collecting over {$1400.00}. The problem is, I don't owe it ....
I want to be truthful right from the beginning so you can understand my problem. It's not that I never had an account with XXXX. It's not even that i didn't owe them money. The problem is that I don't owe anywhere near what they are attempting to collect from me. They are attempting to collect almost triple what I owed. I have had a problem with it for years and now I've had it. Well I finally have proof that they are attempting to extort and racketeer an illegal amount and I will no longer stand for it.
Back In XXXX I went to purchase a home with XXXX XXXX XXXX. XXXX pulled a credit report and I saw there was accounts that never belonged to me. Because there were so many, I assumed this was a identity theft case and filled out a notarized ID theft affidavit along with a police report. I submitted the fraud packet to all the credit bureaus so that the accounts that did not belong to me would get removed. It mostly worked. All the accounts on my credit report that were fraudulent were deleted from my report and an extended security alert was placed on my credit report. The only account that did not get deleted was the ERC collection for XXXX.
I received a letter from ERC dated XX/XX/XXXX. In that letter, I received an itemization from XXXX showing a total balance of {$1400.00} for a bill of XX/XX/XXXX - XX/XX/XXXX and a bill date of XX/XX/XXXX. It had a XXXX account number which you have asked me not to place on this complaint. I'm sure ERC thought this account was now valid as they had handed me a detailed itemization with my name, address, account number, and balance due. What i'm sure they didn't expect is that this account ledger was proof that XXXX has been racketeering charges illegally and I am now close to filing a lawsuit against XXXX and ERC as a result. I hope they don't take this threat idly because I am dead serious. To show you, ERC, and XXXX that I am serious, I will provide you with the same document I provided to ERC on my complaint to them via e-mail on XXXX.
I happen to have a collection notice from a collection agency named XXXX XXXX. It is for a XXXX collection for the amount of {$520.00}. It has the exact same account number as the XXXX itemization of XX/XX/XXXX. Here is the kicker however. The collection notice for XXXX XXXX is for a date of XX/XX/XXXX ... Not to sound insulting, but let that sink in for a moment. Just in case however, I will describe the situation in detail.
ERC is attempting to collect an account for XXXX with a final billing cycle of XX/XX/XXXX for {$1400.00} +. The problem is that the same XXXX account was closed off and sent to collection back in XX/XX/XXXX for only {$520.00} ... How can an account that was already closed and sent to collection in XX/XX/XXXX still be racking up charges until XX/XX/XXXX? If that doesn't prove the charges on this account are erroneous and fraudulent then I don't know what does. But it gets even worse from here.
Since I didn't seem to be having any luck, and ERC was supposedly being verified at the credit bureau level, I decided to hire an old friend of mine to help me in fighting this. he called ERC on XX/XX/XXXX explaining the situation. he spoke with a collector named XXXX XXXX. In that conversation, he was transferred to a team lead named XXXX. XXXX asked that he submit an e-mail with the proof I had about the fraudulent account. he did so on XX/XX/XXXX with a full explanation as well as the requested documents. In that e-mail he was very specific in that I was demanding that they deem this account as fraudulent and cancel the account back to XXXX. He even warned them of the impending complaints I would be filing and the lawsuits I would be bringing up should they fail to comply. Well guess what? They didn't comply.
On XX/XX/XXXX, my friend called ERC because we noticed the account was still on my credit report. He spoke with an XXXX XXXX. XXXX told him that they did in fact receive our documents but that the account was never placed under fraud nor was XXXX ever contacted. In the e-mail I will provide you a copy of, you will note that the first sentence in the second paragraph mentions this account as being disputed as fraud. Why would they not place this account as fraud? Why would they simply place this account as a disputed account wen they were given evidence that the itemization they provided was faulty and erroneous? I'll tell you why. because ERC does not care about the Fair Debt Collection Practices Act. They are simply attempting to feign ignorance by claiming they don't have any power to change anything. My friend asked to speak to a supervisor and was able to do so but I don't have his name. That conversation pretty much went the same way. They aren't going to do anything but ask their client if this is a fraudulent account ...
I had to read the Fair Debt Collection Practices Act because this account has been preventing me from buying a home since XXXX. I learned that under 809. Validation of Debts, if I dispute a debt, they have 30 days to provide proof that the debt is valid or cease collecting the debt. Well when ERC received the dispute on XX/XX/XXXX, they had until XX/XX/XXXX to fix this account or get proof. They never did. In fact, XXXX and the supervisor stated they would begin their investigation with XXXX on XX/XX/XXXX ... well past the 30 day mark. They were just THEN beginning the investigation. I won't stand for it. I am filing this complaint not just for me but so you can look into their practices and operations as I am sure I am not the only person they are trying to take advantage of.
|
| 12/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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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 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 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 ( 1 ) 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 ( 2 ) 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. 1. ENHANCED RECOVERY CO L XXXX 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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
|
| 12/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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 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 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 ( 1 ) 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 ( 2 ) 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. 1. ERC bal. {$530.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
|
| 11/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Please see attached for entire letter of fraud and fault by this collection company Thank You XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ERC ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX Toll Free : ( XXXX ) XXXX Tel : ( XXXX ) XXXX XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : I AM RESPONDING TO A COLLECTIONS ACCOUNT ON MY 3 CREDIT REPORTS. This letter is regarding a negative inaccurate account which you claim I owe your company {$280.00}.
I have never entered into any payment obligation with ERC ( ENHANCED RECOVERY SYSTEMS ). The negative remark is not coming from XXXX XXXX XXXX/XXXX XXXX, but from your company. I also have no contractual obligation to ERC either. The original charge off from XXXX XXXX XXXX/XXXX XXXX, was never validated and was removed from my credit reports in XXXX as being inaccurately reported.
HERE ARE THE INNACURATE AND FRAUDULENT CLAIMNS YOU HAVE MADE ABOUT ME TO THE 3 BUREUAS THAT I AM NOW REPORTING TO THE FTC, CFPB AND XXXX, XXXX AND XXXX : The date or the charge off was XXXX over 10 years ago making the original debt even if it was mine too old to report.
This debt is too old and far past the statue of limitations in California to attempt to legally collect on.
I have noticed you are claiming that I am in collections with you for 2 years? This is impossible as I was never mailed any info claiming this. The debt was too old even 2 years ago to have an active open collections on me I never entered into any payment, business or contractual agreement with your company You are a 3rd party debt collector, who purchased an invalid debt that was already named inaccurate by all three bureaus and previously removed from my reports.
You have sent false, fraudulent statements to the bureaus and are back dating these claims for 2 years that is 48 months with 3-5 reporting errors I am now owed compensation for in accordance with the laws regulating companies like yours. The FTC, FCRA and FDCPA along with the CFPB are receiving copy of this.
This is a formal notice that your erroneous claim IS now disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Please provide me with the following : 1. PROOF OF PAYMENT AGREEMENT I MADE WITH YOU ERC NOT XXXX/XXXX XXXX which I have no knowledge of anyways. I want a wet ink signature between myself and your company proving I owe YOU this or any debt you have in my name.
2. What the money you say I owe is for?
3. Explain and show me how you calculated what you say I owe?
4. Provide me with copies of any papers that show I agreed to pay what you say I owe : 5. Provide a verification or copy of any judgment if applicable : 6. Identify the original creditor : 7. Prove the statute of Limitations has not expired on this account 8. Show me that you are licensed to collect in my state 9. Provide me with you license numbers and Registered Agent 10. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you 11. Provide Me The names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof TO ME.
12. Provide the documented proof that you ever gave me notice of the charge off per FCRA LAW 623 ( A ) ( 4 ), 13. Provide the actual charge off date and as stated you must in FCRA LAW 623 ( A ) ( 5 ) A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action 14. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature?
Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 5 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.
I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : 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.
My Contact Info is as follows : XXXX XXXX
|
| 11/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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 XXXX XXXX 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 ( 1 ) 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 ( 2 ) 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. 1. ERC bal. {$380.00} 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
|
| 12/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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 ( 1 ) 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 ( 2 ) 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. 1. ERC XXXX 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
| 11/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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 METRO 2 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 , 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 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 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 ( 1 ) 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 ( 2 ) 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. 1. ERC bal. {$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 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 Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 01/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal : Enhanced Recovery Company with for a debt you claim I owe of {$1400.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account.
Grant me my title lien free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal : Enhanced Recovery with for a debt you claim I owe of {$880.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account.
Grant me my title lien free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor.
2. Name on File of alleged debtor.
3. Alleged account # 4. Address on file for alleged debtor.
5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ).
8. Date of original charge or delinquency.
9. Was this debt assigned to a debt collector or purchased?
10. Amount paid if debt was purchased.
11. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
|
| 04/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Accounts Requiring Immediate Removal from All 3 Credit Bureaus XXXX, XXXX and XXXX : Enhanced Recovery for a debt you claim I owed of {$150.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
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| 04/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I would like to file a complaint against ERC. I received a letter in the mail on XXXX XXXX XXXX from ERC alleging that I had an balance of {$870.00} with XXXX that remains unpaid and therefore my account has been placed with ERC for collection efforts. I was offered 3 different settlement options to settle the debt, unless I dispute the validity of the debt or any portion within 30 days after receipt of the notice or else the debt will be assumed to be valid by them ( ERC ) . I sent a validation of debt request letter XXXX XXXX XXXX by certified mail and the expected date of delivery was XXXX XXXX XXXX within the 30 days of receiving their letter. By law they have 30 days to respond with validation. Today is XXXX XXXX XXXX pass the 30 days I still have no validation as promised and they are still reporting this derogatory mark on my credit as of XXXX XXXX XXXX I have now sent ERC a Sworn Affidavit of Denial by certified mail scheduled to be delivered today XXXX XXXX XXXX also ; but if ERC offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found this is suppose to be Violation of the Fair Debt Collection Practices Act and Defamation of Character. I have had my identity stolen before so that 's why I 'm seeking validation which by law I have a right and by law ERC has a right to provide accurate proof which they have failed to do. Please beware that there are times that the debt is also used as a tax loss by the original creditor in this case ( XXXX ). That means the debt can not be collected at a later time as the collector would then obtain UNJUST ENRICHMENT. If, the debt can not be verified and validated by the debt collector ( ERC ) and the collector ( ERC ) continues collection activity I may have grounds to sue under the FDCP. When collection agencies are buying debt as an investment . Well that is what that little thing called Unjust Enrichment means and can be used in the court of law, if I ever needed to take it that far. An example o f Unjust Enrichment i s when a collection agency like ( ERC ) b uys a {$10000.00} debt for {$200.00} dollars, then conspires to reap benefits by denying consumers validation of debt request in a scheme to artificially inflate the balance due by adding penalties and interest of up to 200 or 300 percent. How can they be entitled to anything over the {$200.00} dollars they spent? How can ( ERC XXXX be entitled to {$870.00} when they more than likely purchased the debt for a lot less maybe even pennies on the dollar. This is a bad business practice, that 's why I need verification and validation. It was an investment to them and they rely on the consumers ignorance, financial distress and lack of legal representation to secure a judgment. The Fair Debt Collection Practices Act supports my right to demand a validation and verification of debt, documentary proof that I owe exactly what is claimed. The Act places this right in such high regard that the collector is prohibited from taking any collection action until the validation and verification is provided which it was n't. So If they do not, I can sue for a violation. To prove this is my debt in the letter I sent said can ( ERC ) please provide ALL of the following : Agreement with your client allegedly ( XXXX ) that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein ( I ) XXXX XXXX agreed to pay the creditor. Any insurance claims that have been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. ERC claim CAN NOT and WILL NOT be considered if ANY portion of the above is NOT COMPLETED and returned with copies of ALL requested documents above. I am not saying this is my debt or denying this is my debt I just want verification and validation. According to Michigan law, your creditor has up to 6 years ( f rom the date of your last payment ) to collect on a debt, including obtaining a judgment on the debt. So if this alleged debt is past 6 years from the last payment with the original creditor and if ALL of the following documents above ca n't be provided proving this debt is valid I would like all collection efforts to cease and desist and this account to be REMOVED from their ( ERC ) system IMMEDIATELY ; and a submitted deletion requests to the appropriate reporting agencies ( national cre dit bureaus ) s o this derogatory mark is removed from my credit report and something in writing sent to me that the deletion has been made.
|
| 07/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Good Afternoon, For the last 6-12 months I been fighting with different creditors and especially an unknown XXXX and collection companies for an account that was open due to Identity Theft. Again, I am a victim of identity theft. I learned that my personal information was used to open an account at your company XXXX. I did not open or authorize this account, and I, therefore, request that it be closed immediately and DELETED from my credit report. This letter is regarding the account shown above, which you claimed to the credit bureaus ( XXXX, XXXX, and XXXX ) that I owed you money and it was charged-off in collection status. This is a formal notice that your claim is disputed.
Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request torVALIDATIONmade pursuant to the above-named Title and Section. I aggressively request that your companyprovide me with physical evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's, XXXX, XXXX or XXXX, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any derogatory mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with meMUST be done in writing and sent to the address noted in this letter by USPS.
In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the XXXX XXXX XXXX 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.
6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy.
You have30 daysupon 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 immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
|
| 03/01/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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This company continues to try and collect on invalid debt. Along with this, they have sent deceptive forms to third parties and myself, making false belief that I owe them ( 15 U.S. Code 1692j ). A debt collector also may not use any false, misleading, or deceptive practices in accordance with 15 U.S. Code 1692e ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; Committing fraud. The original creditor must not have notified them as well, but a 1099c issued for this debt ( REQUIRED FOR ALL DEBTS OVER {$600.00} ) - THIS DEBT IS $ XXXX and can not be debt and income simultaneously according to bureaus and IRS- this being reported as income removes the debt from my credit report. This business continues to cause a defamation of my character, and immense harm to my reputation, while also violating my federally protecting consumer rights, FDCPA laws, and my right to privacy and confidentiality. I am asking that this account ( XXXX ) be removed from my credit report immediately.Pursuant to 15 USC 1681 ( a ) ( 4 ) -I have the right to privacy.15 USC 1681b ( a ) 2 -you cant furnish a credit report without written consent from the consumer. 15 U.S.Code 1681c ( a ) ( 5 ) -no consumer reporting agency may make consumer report containing the following information- ANY adverse information.This collection is clearly adverse information. Also, Enhanced Recovery NOR XXXX CLEARLY AND CONSPICUOUSLY provided me with outlines of my consumer rights to opt out from credit reporting PRIOR to this account reporting pursuant to -> 15 U.S. Code 6801 each financial institution has obligation to respect the privacy of customers and to protect the confidentiality of their nonpublic personal info. 15U.S. Code 6802 ( a ) may not disclose to a nonaffiliated third party any non-public personal information ( b ) Opt out ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given opportunity to direct that info not be disclosed to such third party ; AND ( C ) the consumer is given an explanation of how they can exercise that option.15 USC 6809 ( 5 ) " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution.Nonaffiliated 3rd party = CREDIT BUREAUS ( XXXX, etc ) 15 USC 6809 ( 5 ) Affiliate means any company that controls, is controlled by, or is under common control-your company and bureaus are not.15 U.S. Code 6809 ( A ) " nonpublic personal information '' means PERSONALLY IDENTIFIABLEFINANCIAL INFORMATION ( ii ) resulting from ANY transaction! ANY transaction= ALL. This was ONLY made available by you reporting this. I did not give this consent and you continue to report this with all disregard to law.I also ask that Enhanced Recovery supplies me promptly with all of the following for my records- 1. a copy of this companys Tennessee Collection Service License so I can make my complaint with license attached. 2.A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the debt amount iscorrect. -This account information is inconsistent and varies across all three bureaus. 3.Documentation that shows I agreed to pay you this debt with my signature and documentation that shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. -No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4.The Agreement that grants you authority to collect on this alleged debt. 5.The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you 6.Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasn't present ) 7. The Original PromissoryNote on this Alleged Debt.
Last but not least, this company is participating in FRAUD, in partnership with original creditor if this is not removed immediately.I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek monetary compensation damages for the violations youve already committed ( {$1000.00} per ), and you have 15days from the date of this letter to respond with all items requested. I am also submitting these facts to the CFPB, FTC, and Attorney General while reporting you to the Tennessee Collection Service board immediately as we are preparing legal action for violations you've already committed.
|
| 09/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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**Please see my dispute letter information to XXXX below. This so collection agency illegally re-aged the money that I didnt even owe to XXXX XXXX, XXXX my consumer/service provider relationship with this consumer was in XXXX about three years before this XXXX XXXX, XXXX illegally re-aged collection action, and no 30 days notice was given to me before going to report it to my credit file/report thus violating the requisite 30 days due process before illegally reporting to it to the credit reporting agencies. I have disputed it with three times with credit report agencies and have not gotten any relief nor was any document provided to me to justify the collection action. Meanwhile I have credit applications denied because of it, eventhough that is only " collection '' that shows up on my credit and I respectfully request that it be deleted from my credit reports as they did not comply with the requisite 30 days advance notice/ due process to have the so called validated with the so called original debt owner before they start a third party debt collection actions.
Please see also, the XXXX customer service email of XX/XX/XXXX. This bill resulted from service not used as I was oversea for mothers burial at the contested time and XXXX cell phone/ service did not work while I was oversea.
As their email made clear, it was not equipped to work overseas XX/XX/XXXX : XXXX has processed the following transaction ( s ) today : Reviewed international roaming options available from XXXX XXXX XXXX XXXX voice plan for {$4.00} per month. By this time they returned my inquiry I had already switched to XXXX so this there transaction was moot and dead on arrival " XXXX Customer Account Number Bill Period Bill Date xxxx XXXX XXXX XX/XX/XXXX XX/XX/XXXX Payment on XX/XX/XXXX- Thank you! - {$100.00} '' XXXX, XXXX XXXX XXXXXXXX, XXXX, TX XXXX.
Dear XXXX RE : ENHANCED RECOVERY CO L ( ORIGINAL creditor : XXXX Account Info Account XXXX Collection opened XXXX XXXX, XXXX, Account type Collection ENHANCED RECOVERY CO L Original creditor : XXXX {$270.00} Balance updated XX/XX/XXXX I have disputed this erroneous and illegal collection activity on my credit record with you twice and you have refused to remove it from my credit record My next action will be : www.consumerfinance.gov/Complaint As the attached record evidence shows and demonstrate on Monday, XX/XX/XXXX XXXX, the so called Original Creditor sent me the email excerpted below with the original copy of the email attached as Exhibit # 1 demanding that I make my total payment due of {$100.00} on XX/XX/XXXX otherwise my service will be interrupted in six days as the payment of {$100.00} was made on XX/XX/XXXX beyond the six days @ Exhibit # 2 my service was disconnected on XX/XX/XXXX And as I had moved out from XXXX that I got the area code of XXXX. I switched to my local service provider here in Washington D.C and was assigned a XXXX area code by local service provider.
I have no record of my service been restored by XXXX after it was disconnected on XX/XX/XXXX, after XXXX was paid in full for the {$100.00}, they claimed was owed to them as of XX/XX/XXXX. And it is preposterous of you and this collection agency to claim that XXXX waited about more than three years from XXXX to assigned account to collection on XXXX XXXX, XXXX. You folks and the so called Debt Collection agency simply re-aged the so called debt, to damage my credit rating.
Lastly, this so called debt Collection never issued any notice about existence of any debt but rushed to put it on my credit report, which was the first place I became aware of it.
Per XXXX on XX/XX/XXXX : Avoid service interruption Make a payment today account. You are a valued XXXX customer, and we want to work with you to ensure you continue to receive XXXX services. You must pay the total amount due, which includes your past due balance AND your current charges, for your account to be current and to avoid future collection activities. This amount is reflected below : Account number : XXXX Account name : XXXX Address : XXXX XXXX, MD XXXX Amount due : {$100.00} Due date : Today My account was never reconnected, after paying the above referenced amount with XXXX XX/XX/XXXX and I disputed it with XXXX about charges for a service that was more than a projected service utilization that was not used. You dont disconnect a customer and expect them to pay service they didnt use, especially, when they have moved to another service provider. Please delete this erroneous Collection from my credit record that was illegally re-aged for a money that I didnt even owe, and no 30 days notice was given to me before going to report it to my credit file/report Respectfully,
|
| 01/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On the morning of XXXX XX/XX/XXXX, I received a notice from my credit reporting site that a negative mark was placed on my credit. Upon review, I found a collection account dated XXXX XXXX XXXX had been placed by a collection company entitled ERC XXXX Enhanced RecoveryCompany ) in the amount of {$3200.00}. I immediately contacted the company and was told there was an outstanding balance with a telecommunications provider in a different amount XXXX {$3100.00} ) than listed via two credit bureaus through an address unassociated with me or my family.
The collections agent verified my name and the last four digits of my social, but I told the person I had no business with that company and I never lived at the address or used their services. I inquired if the debt the collection agency, ERC, was attempting to collect was purchased as debt or did the company represent the telecommunications company. I asked so I would know who to request proof of contract/account and a fraud packet to fill out. The telephone collections agent stated that ERC is not the owner of the debt, that ERC " merely acts as a collector for XXXX XXXX XXXX, but we do not own the paper [ debt ] ''. The agent did give me the account information with which I contacted the telecommunications company ( XXXX XXXX XXXX ). They had no record of the debt and generally could not pinpoint an account. Due to this I contacted ERC again and asked for additional details and requested a fraud packet again, and again was denied. With the information, I called back to XXXX XXXX XXXX and was told there was an " open '' account and that someone was still using the account eventhough ERC stated it was closed for non-payment in XXXX.
I then called back to ERC still requesting a fraud packet, still being denied. I then contacted XXXX XXXX XXXX 's fraud department and was told there was a closed account for non-payment with yet again different address, amount and close date. As well, the collections division at XXXX XXXX XXXX informed me that the account was 'sold ' to ERC. I asked the agent to verify that statement of the collection being sold and it was verified twice more that the 'paper ' had been sold " directly '' to ERC.
Four hours after going back and forth between ERC XXXX whose parent company is one of the the top 10 debt purchasing companies in the country ) and XXXX XXXX XXXX, I demanded to speak with a supervisor to request a fraud packet from ERC since they placed the account on my credit as a collection. This caused my credit to drastically fall. When I identified the information was false and that I had been prevented numerous times from receiving verification of debt as well as a fraud package since I have not done business with this company and therefore owe nothing, the supervisor read the debt collection disclaimer and stated he was going to send me to escalations so that I could be sent a fraud packet by email ( which I also requested in earlier calls ). Moments later, during transfer, I was disconnected from the call. I was never sent a fraud packet, eventhough ERC stated they were returning the item, they lied numerous times to avoid allowing me fair process to defend my credit by exposing the fraud they are committing in baiting and switching the information by address, account number, amount, open and close dates and active or inactive account information. We have never received ANY demand from XXXX XXXX XXXX and obviously couldn't because it's not a debt that is collectible!
I still have no fraud packet, the item is still on my credit and I am still being footballed around! I've asked repeatedly to have the reporting business ( ERC ) to send proof of signature/contract/acknowledgement or anything. They ( 4 collection agents and 1 supervisor + 5 hours of talk ) lied about who owned the account in its current position. When verifying the information, ERC stated they would return the account so that XXXX XXXX XXXX could " research '' the account, but I asked for a fraud packet so that I could prove debt/bad account wasn't mine. XXXX XXXX XXXX can't have ERC 's collection removed from my credit. Only ERC can do that. Yet, everyone refused and then refused for 2 entire hours to let me speak to an ERC supervisor. When the supervisor finally got on the line, he acknowledged that ERC purchased the debt from XXXX XXXX XXXX and that I could request a fraud packet be emailed to me to expedite the removal from the credit, but then disconnected the call. That was in the 5th and final hour. The item remains on my credit. Their intentions are to discourage and prevent me from accessing the fraud packet to have this hoaxed collection removed from my credit!
|
| 02/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I'm not an attorney. I'm speaking on my own experiences. See Complaint ID XXXX for proof of documentation.
ERC 's response is mischaracterized hearsay and is inadequate. My desired resolution includes monetary relief of which ERC did not acknowledge whatsoever. In fact, most of the violations described in my Affidavit of Truth were not acknowledged. If their account of events were true, they would have responded to my Affidavit of Truth in a timely manner, yet they refused to respond to it at all. I sent proof of my documentation, yet ERC makes claims of sending documentation that they fail to provide proof for. How can they be trusted?
I never once received any documentation in response to my validation letter. I never received a notification that they would cease collection activity. I find it unlikely ERC removed my information from their accounts precisely 1 day before I submitted my CFPB complaint and about 160 days after their alleged validation of the referenced debt, I'd like to be shown proof. I demand that ERC show proof that I received their documentation, as I have provided, otherwise their account should be considered to be untrue in light of my Affidavit of Truth. At this point, I consider their ethics to be unconscionable, and if ERC 'S hearsay is to be considered truth without proof, I consider that to be unfair. These are violations of 15 USC 1692f and 15 USC 1692d.
In Definitions 15 USC 1602 ( e ) the word " person '' is defined for the entire section as " A natural person OR an organization ''. Definitions in 15 USC 1692a ( 6 ) defines a debt collector as " ANY PERSON... who regularly collects or attempts to collect, directly, or indirectly, debts owed, or due, or asserted to be owed or due another ... '' therefore ERC must follow the FDCPA guidelines as a debt collector.
I have the recorded phone call that I was given permission to record. Around the 9 minute mark, the initial representative 's superior ( XXXX ) is stating that they do not follow FDCPA guidelines and are unfamiliar with them in their entirety. As well as her statement that they didn't require my permission to furnish items on my consumer report, and that they regularly conduct business by disregarding permissible cause. The initial representative ( XXXX XXXX ) also stated that ERC did not require my permission to furnish negative items on my consumer report stating, " That's not how credit works '' earlier in the call. This call took place around XXXX and lasted over 12 minutes. During this time I told them how they were violating my federally protected rights as a consumer, the documentation they would receive, and that I expected my invoice to be paid within 30 days, as to avoid late fees. ERC was not attempting to " help '' me in any way, they wanted to strongarm me into paying a debt which they've confirmed was not validated. This call took place at a highly inconvenient time for me, which is another violation pursuant to 15 USC 1692c ( a ) ( 1 ), as I continuously stated. This entire call is a shining showcase of ERC 'S blatant disregard for the FDCPA and I have no problem providing it for everyone to hear since they believe they were so exemplary.
ERC failed to fulfill my specified remedy, as the original creditor, outlined in my Cease and Desist letter. Pursuant to 15 USC 1692c ( c ) ( 2 ) I expressed that if any portion of the form i provided was not completed and returned with copies of all requested documents within 30 days upon their receipt that their claim can not and would not be considered. ERC, until now, failed to respond altogether.
ERC 's claims to furnish negative and false items on my consumer report to defame my character and inevitably create unnecessary hurdles throughout my livelihood is considered by me to be a threat. I also consider any threat to be obscene language, which you will find in my recorded phone call. These are both direct violations of 15 USC 1692d ( 1 ) & ( 2 ). In their response, ERC verifies that they are a 3rd party entity that I have no contract with that obtained my location information by communicating with another person other than the consumer that has contacted me without my permission to attempt to collect an alleged debt they say I owe without any proof. The way ERC procured my location information is a violation of 15 USC 1692c ( b ), 15 USC 1692b, 15USC 1692b ( 2 ), ( 3 ) & ( 5 ). These are violations of my rights and I am demanding they pay the invoice they received immediately. If ERC would like to contact me to come to an agreement on what they owe me for violating my federally protected consumer rights, they can do that as well.
|
| 01/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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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
|
| 01/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Amt : {$170.00} Company : XXXX XXXX XXXX ( On my credit report ) I never had an account with XXXX XXXX XXXX or XXXX ( I've received a letter from ERC stating I owe {$170.00} to XXXX.
I have NEVER had an account with XXXX XXXX or XXXX, and I notified ERC, but they won't take it off my credit report and continue sending me letters.
I had an account with XXXX XXXX XXXX for my business, XXXX XXXX XXXX XXXX XXXX. I was talking to a woman from their Corporate Office, and she talked me into having a phone. She said the technician would be out to hook it up. No technician ever came out. I never went online due to worrying about breaking confidentiality, and I just starting going online about a year and a half ago while attending XXXX College. Anyway I switched to XXXX because I needed a phone. Once I finally had a phone line ( through XXXX ), I called the Corporate Office of XXXX, and I explained my situation ( that a woman said a technician would be out to connect the telephone, but no one came out ). A man on the phone told me that they never turned on the phone in the office ( I had the impression the way he spoke that they never turned on a switch, but I'm not sure how they turn on phones ), but i knew no technician ever came out. I explained to the man that I was upset because I received a bill and was going to contact a lawyer because I had to reprint all of my letterhead, business cards, advertising with pens that had my business information on it, essentially everything that had my business information on it. I was irate because three weeks without a phone can kill a business, and it basically killed mine because no one could find me. The man on the phone assured me that my account would be taken care of and I owe nothing. I never heard anything about this debt until about six months ago.
I am assuming that XXXX XXXX XXXX was bought out by XXXX XXXX because that is who ERC says I owe, but I never had an account with XXXX XXXX. XXXX XXXX must of been bought by XXXX because I had a letter from ERC stating I owe XXXX {$170.00}. I have never had an account with XXXX. I did have a lady come by asking if I wanted cable through XXXX, and I thought it was interesting that she said I did not have to pay a deposit ( which if I truly owed XXXX they would of asked for a deposit ). I was going to get cable through XXXX, but I called and spoke to a gentleman ( who I believe was in the Corporate Office, or may be Collections ), and he notified me that I do owe them {$170.00} and I have to pay it because they will not forgive this, even though I explained my situation and was told my balance was XXXX when I spoke to XXXX.
My account for XXXX XXXX XXXX was XXXX XXXX dba XXXX ' XXXX XXXX XXXX. If I felt I owed this debt, I would pay it, but I do not feel that I owe it. The phone was never turned on, and no technician ever came out to my address. XXXX cost me a lot of money when they never turned on the phone and people couldn't find me if they needed me. I was going to hire a lawyer at that time, and now I wish I would have because the matter would of been settled! I told the man from the Corporate Office that I was going to hire a lawyer, and he said he was sorry for all of my trouble and he satisfied my debt, and I owe nothing.
I do not want each time the account is sold to another company that I will owe this debt. It has been in three different company names now, but I only had an account with XXXX. Please investigate this to the fullest! There is no account with my name dba XXXX XXXX XXXX XXXX XXXX in XXXX XXXX ' or XXXX ' names. I switched to XXXX when XXXX never connected my phone, and I am still with them today! Please investigate because if it is sold to another company, that new company is going to say I owe them when I truly do not! I don't know if the XXXX Corporate Office knew they were being bought and just told me that to pacify me, but I never heard anything about it until years later by different companies. I wish I would of gotten a lawyer like I wanted to when I switched to XXXX because it did cost me a lot of time and money having to change everything, not to mention the stress of not having a working phone but having bills of a business ( which is a lot more expensive than residential-personal bills ) and no client can find me because I had no phone. Please investigate? Any questions, please contact me at ( XXXX ) XXXX.
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
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| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This collection agency is violating by rights as per the FCRA, they continue to answer XXXX disputes INCORRECTLY. I can provide ALL of the supporting documentation if needed, as I have given this to XXXX and they continue to believe the collection company even though I am providing all the receipts and status of my collection! The intention of me reaching out to CFBP is for my collection to be ACCURATELY reported as PAID IN FULL and status as CLOSED.
Here is the timeline : On XX/XX/XXXX, I paid a collection in FULL in the amount of {$1000.00} to ERC Collection ( ercbpo.com ). I logged in to ercbpo.com and verified that the collection is displaying " Paid in full '' and " Closed ''.
On XX/XX/XXXX, The collection was updated in XXXX as Paid and status is Closed ( which is what I expected ). I checked my XXXX report and it was still displaying as status " Open '' and " Unpaid ''.
XXXX Dispute Attempt # 1 - Dispute Date : XX/XX/XXXX I disputed ERC Collection as the incorrect amount and status. On XX/XX/XXXX, I received a response from XXXX stating that the account was " verified as accurate ''. Account is listed as " Open '' and " Unpaid '' which is INACCURATE. This dispute was completed on XX/XX/XXXX.
XXXX Dispute Attempt # 2 - Dispute Date : XX/XX/XXXX I disputed ERC Collection as the incorrect amount and status, with RECEIPTS and PROOF showing that the collection in ERC is PAID and status is CLOSED. On XX/XX/XXXX, I received a response from XXXX stating that the " disputed information updated ''. Account is now listed as status " Open '' and " Paid '' which is INACCURATE. The account should be listed as PAID and status CLOSED just like it is in XXXX and in the erc portal itself.
XXXX XXXX XXXX # XXXX - Dispute Date : XX/XX/XXXX On XX/XX/XXXX, I decided to CALL XXXX and ask them why the status is open when I sent them proof that it should be closed - directly from the debt collector. The agent said that the collection agency didnt update the status so we will need to file ANOTHER dispute. Via this call, I disputed ERC Collection as the incorrect amount and status, AGAIN with RECEIPTS and PROOF showing that the collection in ERC is PAID and status is CLOSED. I have yet to receive a response- the response should be done by XX/XX/XXXX.
Attempt to contact XXXX via call - XX/XX/XXXX I called XXXX again - very frustrated asking them how long its going to take as I am trying to purchase a home and this information is incorrect. the representative told me that there is nothing they can do - that ERC has not responded to them yet on the dispute. The representative suggested that I call the collection agency.
Attempt to call ERC # XXXX - XX/XX/XXXX I called ERC at XXXX. I went through their automated system, which was transferring me to a representative. As soon as that call went through, the representative hung up the call so I had to dial again.
Attempt to call ERC # XXXX - XX/XX/XXXX I called ERC at XXXX. I went through their automated system, which was transferring me to a representative. As soon as that call went through, the representative hung up the call so I had to dial again.
Attempt to call ERC # XXXX - XX/XX/XXXX I called ERC at XXXX. I went through their automated system, which was transferring me to a representative. As soon as that call went through, FINALLY the representative answered and as soon as I told him its about a dispute, he routed me to the SAME automated system where I was hung up on.
Attempt to EMAIL ERC # XXXX - XX/XX/XXXX I emailed ERC explaining the same issue I am explaining here and they responded with " we can not delete an account from your credit '' - which I AM NOT ASKING THEM TO DO THAT, I AM ASKING THEM TO UPDATE THE STATUS. We went back and forth a few times, I told them that I have tried calling them NUMEROUS times, in which XXXX XXXX ( the manager ) gave me a new number : XXXX.
Attempt to CALL ERC # XXXX, # XXXX, # XXXX, # XXXX - XX/XX/XXXX I called the number : XXXX. The phone would ring XXXX then be sent to voicemail, which I left a voice message.
Attempt to EMAIL ERC # XXXX - XX/XX/XXXX I emailed ERC again letting them know that I only get sent to voice message in which they responded again that I need to call.
I have not received a call back from them nor have I been able to talk to someone as they are asking me to do. I need this fixed on my credit, please help!
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| 05/20/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have never conducted business with XXXX. My phone service provider is XXXX and has been XXXX for nearly a decade. After being repeatedly harassed by the representatives at Enhanced Recovery, I mailed them 3 separate cease and desist letters to both XXXX XXXX XXXX, XXXX, FL XXXX AND to XXXX XXXX XXXX XXXX, FL XXXX. Along with those letters, I included requests for Enhanced Recovery to remove their collection account from my XXXX report because I have not conducted business with XXXX. I also sent 2 letters to XXXX at XXXX XXXX XXXX XXXX XXXX KS XXXX containing copies of the notices I sent Enhanced Recovery and letting them know as well that I had never opened nor authorized any XXXX account to be opened using my social security or personal information. In fact, I do not have ANY XXXX accounts listed on ANY of my credit reports which leads me to believe that the account was either opened fraudulently, or whatever debt being claimed by Enhanced Recovery is over 7 years old and they are aggressively reporting a fraudulent zombie debt erroneously as a brand new debt on my credit report. When I have been contacted by their representatives, they do not identify who they are or what company they are calling from. Reverse look ups of the phone numbers they dial from reflect their company due to a litany of other people who share similar experiences to mine with their company. Their collection agents demand personal information from me like my address and social security number. When I refuse to give my social security number to strangers, I have been yelled at and called a liar, deadbeat and most of their calls end up with them cursing at me and hanging up in my face. When request to speak to a supervisor to get more information on their company and explain that I am not familiar with any XXXX credit obligation because I dont do business with that company, the representatives refuse to connect me to a supervisor or manager. The agents who have contacted me tell me that they have never received any letters of any kind from me. They continue to harass me, tell me that they have obtained judgements in court against me and that I am required by order of the judge who gave us the judgement to pay them immediately in full for a debt that I dont have knowledge of and on several occasions I have explained this to them. They say that the debt will never be taken off my credit report and that it will report forever. I am afraid of their representatives saying that they can come collect in person if I refuse to make a payment with them over the phone. One of their very rude and profane male representatives told me that this debt is verified to you, quit lying about it and just pay it off and that they collect debts and will get the money by any means necessary. I know that if this is how they are threatening me, then this is how they as a company train their collection agents to berate and harass any person with a valid or invalid account being held by their offices. I am requesting a full investigation into Enhanced Recovery, including a full review of their business practices and audit of other customer complaints like mine against their company. They can not be allowed to continue operating beyond the scope of required business practices for a debt collection agency. I have exhausted all avenues to get them to stop harassing me using my personal information, work information and family contacts. I have advised Enhanced Recovery several times to discontinue their harassing communications with me and to cease their reporting of a debt that I do not own to XXXX ( and any other credit reporting agencies ). I submitted multiple written requests for Enhanced Recovery to remove their collection account from my XXXX report because I have not conducted business with XXXX. Now, after consulting with a legal advocate attorney who is handling other complaints against Enhanced Recovery, I intend to seek all options including any compensation available to me based on the evidence that documents in full detail their continued aggressive harassment, their collection agents notices of lawsuits and judgements obtained against me, and a conscious refusal to abide multiple cease and desist letters barring them from harassing me, my employers and family regarding a debt that I never authorized and have no knowledge of.
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| 06/04/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that ENHANCED RECOVERY had illegally posted an alleged collection account to my credit report. I have never heard of nor had an account with this company. My report shows that ENHANCED RECOVERY open account was opened on XX/XX/2023 with a balance of {$400.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. ENHANCED RECOVERY CO, XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX
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| 01/14/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX I had a receiver stop working and when I called to try and have the problem fixed I was told that I would have to either pay to have a technician come out or agree to a new two-year contract to get new equipment. Having been a loyal customer for five years I did not like the two options that were given to me and decided to cancel my service as I was knew I was not bound to any contract at that point. I was then sent a box to return two receivers. I actually had three receivers at the time and decided to return all three. After this, I told my wife to shop around for a new TV service and she did and ended up signing up for XXXX again.
A few weeks later I received a bill in the mail saying that I did not return my receivers so I gave you guys a call to clear up the matter. I spoke with an extremely nice man from Arizona that said that the bill had been sent out before the receivers had been received and that it would be resolved no problem. At this time he noticed that my account had been deactivated and that another one had been opened in my wifes name. He said that since I had been such a good customer that he would be able to merge our accounts together in order to get us some really good deals so I agreed. He got most everything set up and then said he had to transfer me to what I believe was an account specialist and this is when everything turned south and where I believe this whole problem is stemming from. I was then transferred to and incredibly rude young man that said merging accounts was not possible. So I told him thats what I was just told by the previous employee and he refused to look into it. Because of this I told him to cancel everything the previous employee set up if he wasnt going to do what I was quoted. After this I was under the belief that things were just going to be like what my wife set up.
About a month after this ordeal I received another bill. I called again and eventually talked to a very helpful woman and she supposedly got to the bottom of it when I explained the whole situation. She also told me that merging accounts was in fact possible and that the rude young man I spoke to was in the wrong. I spent over an hour on the phone and she told me that she had it all figured out and that I would be receiving another bill but to just disregard it. Once again I figured this matter would be taken care of.
About another month later I received another bill. Once again I had to waist a considerable amount of time explaining the exact same situation to multiple people. Once again I was told that this matter would be resolved but I was reluctant to believe it so I asked for a phone number that I could call if not and so she gave me the number XXXX and a pin of XXXX.
I just received a letter from collections in the amount for the bill I have been receiving ( {$150.00} ). I called today to figure out what was going on and tried using the phone and pin number I was given but it did not work and I was told that the bill was for an early termination fee and that the only way to deal with the matter was to send a hand written letter to the XXXX disputes address. I dont know how could possibly receive a bill for early termination when I was with the company for 5 years and no longer under contract and now that my wife is signed up and still paying her bill. The phone number that was on this account ( XXXX ) that was supposedly terminated early wasnt even correct so I dont know how it got created in the first place. I then gave the correct phone number and I was told that I would receive a call back from a supervisor, which not surprisingly did not happen.
I sent the letter as well as filed the complaint. The dispute went through for the collection company but it did not for XXXX. Now ( XX/XX/XXXX ) I just received another collection notice for the same amount from ERC. I was never contacted from XXXX about the letter I had to write so I assumed the debt had been cleared. I will be disputing this again as I do not know how I could get an early termination fee when I was with the company for 5 years and was no longer under contract. After being assured by managers of the company that this would not be an issue I would really like an explanation and proof of why I am being charged this debt.
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| 07/12/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I HAD MOBILE SERVICE WITH XXXX A COUPLE YEARS BACK THE ACCOUNT WAS SENT TO COLLECTIONS I HAVE NEVER RECIEVED ANY CORRESPONDANCE FROM THE COLLECTION AGENCY THE FIRST PROBLEM ALSO THEY CAN NEVER VERIFY THE DEBT WITH ME.SECOND PROBLEM IS THE COLLECTION AGENCY DESTROYED MY CREDIT STATED ON MY CREDIT REPORT I OWED A HIGH BALANCE OF XXXX DOLLARS I WAS NEVER CONTACTED NOR NOTIFIED THROUGH MAIL ONCE AGAIN. I CALLED AND PAID THE SETTLEMENT AMOUNTXXXX WITH DEBIT CARD ENDING IN XXXX ON XX/XX/XXXX FROM MY UNDERSTANDING WHICH I WAS INFORMED BY ENHANCED RECOVERY CORP ON RECORDED LINE MY BUSINESS WITH XXXX AND THE COLLECTION AGENCY WAS DONE AND OWED THEM NO MORE MONEY. ON MY CREDIT REPORT IT WAS REPORTED XX/XX/XXXX AS CLOSED SETTLED LESS THAN FULL BALANCE. THIRD PROBLEM I INQUIRED ON GETTING A MORTGAGE TO PURCHASE A HOME THE YEAR OF XXXX BUT COULDNT DUE TO THE FACT I HAD ONE COLLECTION ON MY CREDIT REPORT FROM ERC SO I CALLED THEM AND THEY WERE VERY RUDE AND NOT WILLING TO HELP AND RUSHED ME OFF THE PHONE AND TOLD ME THEY CAN NOT HELP ME AND I HAVE TO CALL THE ORIGINAL CREDITOR SPRINT. SO I CALLED XXXX AND XXXX AND THIS WHEN THINGS GET WORSE I FOUND OUT FROM XXXX ERC DID NOT REPORT I PAID OR SETTLED THE ACT WITH THEM AND THIS IS YEARS LATER XXXX ADVISED ME I STILL OWE THEM A BALANCE OF XXXX AND I WAS DISTRAUGHT AND WAS HURT AND WAS EMBARRASED DUE TO THE FACT I FELT LIKE I WAS BEING MADE A FOOL OUT OF BECAUSE I WAS ADVISED MY BUSINESS WAS DONE WITH THE BOTH PARTIES. SO I DID A 3 WAY CALL WITH XXXX AND THE COLLECTIONS AGENCY AND WE CAME TO THE CONCLUSION NO ONE KNOWS WHAT THEY ARE DOING AND THE BOTH PARTIES HAVE NO COMMUNICATION SKILLS WITH EACH OTHER. THEY COLLECTIONS ADVISED XXXX BALANCE WAS XXXX AND XXXX ADVISED THEM I STILL OWE MONEY ON A RECORDED LINE SO I CONTINUE TO TALK TO XXXX AND THEY AGREED ON A RECORDED LINE TO ME THAT THEY WILL SEND ME CONFIRNMATION EMAIL THAT THEY ARE REMOVING THE DEBT FROM MY CREDIT REPORT BY SUBMITTING THE REQUEST TO ENHANCED RECOVERY CORP IN XXXX, FL TO REMOVE IT OFF DUE TO THE INCONVIENCE AND THE LACK OF COMMUNICATION BETWEEN BOTH PARTIES SO THIS IS THE SECOND TIME IVE BEEN A VICTIM OF NO COMMUNICATION BY THESE PARTIES. XXXX ADVISED ME GIVE IT 2 WEEKS FOR IT TO BE REMOVED AND GIVE THEM TIME TO UPDATE TO CREDIT REPORTS I WAS HAPPY AND I HAVE THEM A MONTH I CHECKED MY EMAIL EVERY DAY AND I NEVER EVER RECIEVED CONFIRNMATION FROM XXXX AT ALL ABOUT THE CONVERSATION NOR DID THIS SITIUATION GET HANDLED OR GET THIS OFF MY CREDIT REPORT SO I CALLED XXXX AGAIN AND THEY TOLD ME THE LAST REP I SPOKE WITH GAVE ME FALSE INFORMATION. NOW IM JUST BEING HAUNTED ALL OVER AGAIN. THIS REP ADVISED ME HIS NAME WAS XXXX THAT IF I PAID THE BILL XXXX WITH XXXX THEY WILL REMOVE IT OUT OF COLLECTION AND MAKE SURE IT GETS TAKEN OFF MY CREDIT REPORT WITHEN 48 HRS DATE THIS CALLED TO OK PLACE WAS XX/XX/XXXX AND I ASKED HIM WHAT HAPPENED TO THE LAST REPS INFO HE TOLD ME I DIDNT HAVE TO PAY HE WILL HANDLE THE SITUATION AND THAT I DONT NEED TO PAY ANYTHING BECAUSE THE ACCOUNT WAS SETTLED AND PAID FOR ALREADY I OWE XXXX NO MONEY XXXX BALANCE HE ADVISED ME THE AGENT WAS UNEXPERIENCED AND DIDNT KNOW WHAT HE WAS TALKING ABOUT AND XXXX POLICY WE ARE TALKING ABOUT XXXX LEGAL PRIVACY AGREEMENT THAT IF I PAID THE XXXX WITH HIM ON XX/XX/XXXX THE ACT WILL BE CLOSED AND REMOVED FROM COLLECTION AND HE WILL NOTIFY THE COLLECTION AGENCY DIRECTLY. SO NOW THE COLLCTION AGENCY STILL HASNT REPORTED TO XXXX THAT THE BILL HAS BEEN PAID AND IT IS XXXX SO IM BACK TO STEP 1. I JUST WANT THE DEROGATORY TO BE REMOVED OFF MY CREDIT AT THIS POINT BETWEEN THE PARTIES AND I HAVE HAD THE WORSE EXPERIENCE IN MY LIFE I AM ALSO SEEKING LEGAL ACTION AGAINST BOTH PARTIES BECAUSE ITS UNFAIR AND VERY UNETHICAL. I FEEL AS IF IM BEING SCAMMED AND ITS NOT RIGHT IM BEING TOSSED BACK AND FORTH AND I AM LOST NOW. DUE TO THE FACT ALL THIS TOOK PLACE I AM XXXX AND SLEEPING OUT OF MY CAR DUE TO THE FACT I COULDNT MEET DEADLINES AND XXXX AND ENHANCED RECOVERY CORP INCONVIENCE AND UNETHICAL BEHAVIOR AND LACK OF COMMUNICATIONS I AM HERE BEGGING AND PLEADING TO THE CFPB YOU ARE MY LAST HOPE TO PLEASE HELP ME IM BEGGING. THIS ISNT RIGHT AT ALL AND ITNEEDS TO STOP BEFORE IT HAPPENS TO MORE CONSUMERS XXXX FORBID HOW MANY PEOPLE HAVE BEEN AFFECTED ALREADY.
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| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
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| 08/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
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| 06/23/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ENHANCED RECOVERY COMPANY XXXX. XXXX XXXX, FL XXXX XXXX : Account # XXXX XXXX XXXX {$2200.00} ) To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the XXXXederal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On November 12, 1996, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act XXXX FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, Best Regards, XXXX XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
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| 06/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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InXX/XX/XXXXXX/XX/XXXX I opened a XXXX account at the XXXX XXXX Location to buy a set of Cribs for my Sister in Laws ' baby shower for her XXXX. I opened this account because they sent me a {$1000.00} credit limit credit card in the mail. We spent about {$390.00} for the 2 cribs and one other item. We agreed to pay about {$94.00} a month for 4 months. We never recieved a paper copy of this contract. On Friday XX/XX/XXXX I called to make a payment. I asked the person how much was owed and he informed me that one of the payments was passed due but not 30 days past due. He told me that 2 payments were due. I asked him to take one payment, on a recorded line, on my debit card and that I would call the following week to bring the account current. When the charge came through my bank, I realized he had in fact charged us 2 payments and the amount taken was {$190.00}. I called back the very same day and explained to the person I spoke with that I authorized them to charge me only one payment and not 2 payments and the representative charged us 2 payments. He assured me that he would issue a refund and that the refund would come back to us the following week 3-5 business days later. He then informed me that because he issued a refund the account would be passed due unless I paid an additional payment. So I paid an additional payment with the understanding that the refund would be issued the following week. He also informed me that my bank account would not show the new charge until Monday XX/XX/XXXX because the business day had closed by then. So Monday, XX/XX/XXXX the third charge of {$100.00} was taken out of our ccount. No refund was ever issued for these 3 payments. I called the company on a weekly and sometimes daily frequency to get the refund issued and was passed from representative to representative over the course of the next several months and the refund was still never issued. Because of this triple charge other things on the account were not able to be paid and there were overdraft fees and a whole bunch of problems with our bank because of these charges that were never authorized. I eventually had to contact XXXX XXXX XXXX XXXX ( my bank ) and ask them to pursue the company for the triple charge. A dispute was filed, and eventually XXXX was forced to issue the refund. Once they finally issued the refund several months later at the end of XX/XX/XXXX, the dipute was lifted and I paid the account to current in 2 payments of {$210.00} on XX/XX/XXXX, and XX/XX/XXXX to close the account. Once the dispute was complete, they penalized me by reporting to all 3 credit bureaus that my account was 90 days, and 60 days past due even though there was an active dipuste ( This is account FTC laws as I understand them ). This has prevented us from being able to get a mortgage and highly impacted my credit scores. However, this was not the end of the issue. We were unaware that they reported this account 90-60 days past due as this showed up on our credit later, and we got another account with them. They had to run our credit again and gave us a different credit limit and opened a new account on our credit reports. This new account was paid earlier than agreed and closed in XX/XX/XXXX, yet it is still reporting open and with late payments. The current account that is reporting that it was 90 days and 60 days late was in fact opened in XX/XX/XXXX. How is it possible for it to have been 90 days late and 60 days late in XXXX, XXXX, XXXX, and XX/XX/XXXX if it wasn't opened in XX/XX/XXXX? I have approached the company asking them to coorect these various issues. Each time I call I am given a different answer, I called once they told me it would be deleted within 3-5 business days, then I was told they can't delete it because it was in fact late even though there was an open dispute, then they told me they would escalate it and return my call, and each time the account remains the same and now when I call they transfer me directly to a voicemail and my call is never returned. I have disputed this account on the credit beruaes to no avail.
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| 08/08/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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A few months ago two ghost debts appeared on my credit report from Enhanced Recovery Collection.
The first debt on my XXXX Report ( Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by " ERC ''. This same debt is being reported on my XXXX report ( Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by Enhanced Recovery Co L.
The second debt is being reported on my XXXX report ( Acct : XXXX, Open XX/XX/XXXX, ERC, XXXX XXXX ) and on my XXXX report ( Acct XXXX for XXXX XXXX ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above-named company is reporting inaccurate credit information. Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : { {$1600.00} and XXXX, respectively } dollars on the above-mentioned dates. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. the above named company reports on my XXXX report that Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by " ERC ''. This same debt is being reported on my XXXX report ( Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by Enhanced Recovery Co L. ). Both reports indicate an open date of XX/XX/XXXX, which is consistent with incorrect and false reporting of information. I have no knowledge of this account, but absolutely did not open an account with XXXX or Enhanced Recovery on or about this date. This is reporting a false date in an attempt to reset the statute of limitations. I demand strict written proof of confirmation of opening this account on this date.
Further, The second debt is being reported on my XXXX report ( Acct : XXXX, Open XX/XX/XXXX, ERC, XXXX XXXX ) and on my XXXX report ( Acct XXXX for XXXX XXXX ). Both reports indicate an open date of XX/XX/XXXX, which is consistent with incorrect and false reporting of information. I have no knowledge of this account but absolutely did not open an account with XXXX or Enhanced Recovery on or about this date. This is reporting a false date in an attempt to reset the statute of limitations. I demand strict written proof of confirmation of opening this account on this date.
3. The above-named company reports statuses as open then also report as In collections.
Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 4. above named company reports two different inaccurate remarks on credit report : a ) that day the debt was opened ; 2 ) that I amount owed. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 5. the above-named company was not the initial company who I allegedly did business with ; 6. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially, the inaccurate information states that I did business with XXXX/XXXX XXXX XXXX and not Enhanced Recovery.
7. The above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent.
I have attempted to dispute these accounts with both XXXX and XXXX and the company and as of this date have not been provided any of the debt validation as request.
In light of the above, the continued illegal tactics by the Enhanced Recovery, I am demanding within my rights, that both accounts listed above be deleted from my XXXX and XXXX Credit Reports and Enhanced Recovery refrain from attempting to collect a debt from me that does not belong to me.
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| 12/15/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Enhanced Recovery XXXX XXXX XXXX.
XXXX, FL XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Reference # XXXX You have still yet to properly address my statements as outlined and reiterated below in response to your CFPB unsatisfactory response.
ERC Statement : Please note our agency is not a debt purchaser. Our client maintains ownership of their account ; therefore, we service the account on their behalf.
Please advise : Who provided ERC with authorization to obtain my information and collect on behalf of XXXX? Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer which I did not provide so therefore whether you are collecting on their behalf of not you have no right without my consent.
Closing the account does not negate the violations and they need to be addressed as such.
ERC Statement : By that time, ERC had already ceased collection activities due to disputes that were forwarded to our offices from the credit reporting agencies and obtained verification of the debt, or the name and address of the original creditor, and a copy of such verification as defined by 15 U.S.C.A. 1692g ( FDCPA ) ; as well as 623. ( a ) ( 8 ) ( e ) ( i ) of the Fair Credit Reporting Act ( FCRA ) was provided to XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, respectively. Please note that the FDCPA and the FCRA does not define verification beyond the above language. It also does not require the debt collector to obtain a copy of the original contract.
Consumer Response : Please provide proof of receipt of said documents you indicate were provided on XX/XX/XXXX and XX/XX/XXXX as I never received in order to dispute based on 15USC 1692g.
ERC Statement : Furthermore, XXXX XXXX was advised, the telephone calls associated with the above-referenced account were reviewed and it was found, she was advised that ERC reports the true and accurate status of the account.
Consumer Response : The Consumer, never gave ERC consent to furnish this on my consumer report. Pursuant to Corresponding Violation : 15 USC Code 1681b indicates that unless requested by federal grand jury or submitted in writing by myself the consumer you do not have consent to furnish information. Who gave you authorization?
There is no federal law that indicates you must furnish anything on my consumer report without my consent.
Per my previous response ERC reflected that my consumer report reflects that my disputes were reinvestigated in XX/XX/XXXX. Per my last request, Please provide proof with steps taken to investigate. Corresponding Violation : 15 USC Code 1681a defines an investigation by performance of interview with either neighbors, friends, or associates of the consumer. Please provide written response with whom you performed interviews with in order to investigate debt. Included copy of consumer report showing investigation comment.
ERC Statement : A delinquent XXXX account with number XXXX was placed with our office for collection on XX/XX/XXXX, in the amount of {$460.00}. Please note our agency is not a debt purchaser. Our client maintains ownership of their account ; therefore, we service the account on their behalf.
Consumer Response : If ERC was not the debt purchaser your communication sent out to me is also in further violation and misleading and further justifies my point. If ERC only works on behalf of client, why is all information listed on my consumer report reflect ERC?
Also the attached communication that was submitted to me by ERC is a direct violation pursuant to 15 USC 1692 ( b ) ( 2 ) which states that your communication should not state that consumer owes any debt. Please see your communication dated XXXX.
My request is that be removed from my consumer report due to the violations stated, and refund the {$200.00} or I will be forced to move forward based on violations which will be more costly than what is being requested.
Thank you in Advance for your cooperation
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| 02/01/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I received a notification from the Credit Reporting agencies that Enhanced recovery company an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who Enhanced Recovery is.
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| 07/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
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| 03/27/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX fraudulently sent me to collections after a dispute over a charge was awarded in my favor by my credit card company.
In XXXX of XXXX, I sent my phone in to XXXX XXXX XXXX to be replaced under a manufacturer 's warranty and they sent me a replacement. Then on XX/XX/XXXX, XXXX XXXX XXXX sent me back my original phone with a cracked screen ( I have a pictures of the phone before they were sent and it shows that it is not cracked ), charged me {$700.00}, and then refused to take the replacement phone back. On XX/XX/XXXX of XXXX, I disputed the charge with my credit card company XXXX. On XX/XX/XXXX, XXXX ruled in my favor, and XXXX XXXX XXXX permanently refunded the money. THEN on XX/XX/XXXX, XXXX XXXX XXXX charged me {$700.00} AGAIN on the next month 's bill. On XX/XX/XXXX of XXXX, I disputed it again, quit XXXX XXXX XXXX, and joined XXXX XXXX under their " We'll buy you out of your old contract '' plan. At this point, XXXX XXXX worked with XXXX XXXX XXXX directly to switch my phone over to their XXXX and shore up any outstanding debts. On XX/XX/XXXX, XXXX ruled in my favor AGAIN and permanently refunded the {$700.00} charge.
MEANWHILE, on XX/XX/XXXXXXXX XXXX XXXX XXXX sent me to collections ( XXXX XXXX XXXX, telephone XXXX ) and added an additional {$400.00} charge for " services! '' On XX/XX/XXXX, I sent XXXX XXXX XXXX a letter by certified return receipt asking for proof of debt which they received on XX/XX/XXXX. They did NOT reply with the request. THEN in XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX. contacts about me about my debt with XXXXXXXX XXXX XXXX. On XX/XX/XXXX, I send XXXX XXXX XXXX XXXX XXXX. a certified return receipt letter requesting proof of debt which they received and signed for on XX/XX/XXXX. They did NOT comply with my request.
On XX/XX/XXXX, ERC XXXX Enhanced Recovery Company , LLC. ) contacted me about the debt. On XX/XX/XXXX, I sent them a certified return receipt letter requesting proof of debt, which they received and signed for on the XXXX. On XX/XX/XXXX, ERC complied with my request and sent me a copy of a bill from XXXX & t with the fraudulent charges on the bill. Then on XX/XX/XXXX, I was sent a collections letter from XXXX, XXXX. They would send four more on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
On XX/XX/XXXX, I check my XXXX credit report to find that ERC XXXX Enhanced Recovery Company , LLC. ) is trying to collect this debt again! I immediately disputed this directly with XXXX on the same day. On XX/XX/XXXX, I called ERC at XXXX XXXX and spoke with XXXX XXXX He said he would pull all claims to the debt off of the Credit Agencies, and that they were a third-party collecting on behalf of XXXXXXXX XXXX XXXX XXXX I asked for contact info from XXXX XXXX XXXX, which he declined to give me. At XXXX, I called XXXX XXXX XXXX to get the contact information of whoever is in charge of collections at XXXXXXXX XXXX XXXX and specifically asked for an address to send a Cease and Desist Letter. The customer representative gave me a phone number, XXXX, which I called at XXXX XXXX only to find out that it was the number for ERC XXXX Enhanced Recovery Company , LLC XXXX ). At XXXX, I called another XXXX XXXX XXXX number ( XXXX ) and spoke with a customer service representative who told me that I would have to fix this at an XXXX XXXX XXXX store, then promptly found the store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, and told me to go there. At XXXX, I called the XXXX XXXX XXXX XXXX XXXX number at XXXX. The stores manager told me that they couldnt help me, especially since the account was closed five years ago. At XXXX, I called the listed phone number for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), only to find that it was disconnected and was owned by XXXX XXXX
Thus brings us to today. It has been five years since this dispute with XXXXXXXX XXXX XXXX began, settled with XXXX, and then fraudulently sent to collections. My patience has been exhausted.
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| 07/17/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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A company called Enhanced Recovery Company ( " ERC '' ) has been attempting to collect a disputed debt. The alleged debt is for {$110.00}, which originated from XXXX XXXX XXXX ( " XXXX '' ). I first disputed the alleged debt with XXXX in XX/XX/XXXX.
Sometime thereafter, XXXX sold the alleged debt to a collection agency in Texas called XXXX XXXX. XXXX XXXX engaged in harassment and other unlawful collection attempts. I twice disputed the alleged debt with XXXX XXXX, in writing, on XX/XX/XXXX, and XX/XX/XXXX. I never heard back from XXXX XXXX after my second letter.
It appears that ERC ( the company that is the subject of this complaint ) acquired my account from XXXX XXXX. Because I previously disputed the alleged debt in writing with both XXXX and XXXX XXXX multiple times, ERC very likely knew, or at least, should have known when it bought my account from XXXX XXXX that the debt had already been disputed.
Despite ERC being on notice of my prior dispute, ERC, on XX/XX/XXXX, reported my account as Collections to XXXX and XXXX. Additionally, ERC reported such negative status to these credit agencies without first providing me with any notice that it acquired my account. The first I learned that ERC acquired this account from XXXX XXXX was when I received notice on XX/XX/XXXX from XXXX and XXXX that ERC had negatively flagged my credit report.
Apart from ERC failing to provide me any notice before providing a negative " collections '' report to XXXX and XXXX, which is the main part of this complaint, given past events, I'm very concerned that this problem may never go away. In other words, each time I dispute this exact same alleged debt originating from XXXX, the collection agency apparently just sells it to another collection agency, and that subsequent collection agency once again tries to ding my credit report. It's a never ending cycle. I.e., an alleged debt, once disputed, can apparently be sold to another collection agency, which then resets the clock, requiring me to start the dispute process all over again. How will this problem ever go away, unless I just succumb to what is essentially extorsion?
I would like my complaint to apply equally to XXXX, as they breached the internet service contract in the first place by raising my rate during a 12-month fixed price contract. More specifically, about halfway through the contract, XXXX contacted me, claiming that the sales rep misquoted the price. Thus, according to XXXX, they had to raise my monthly fee, despite that the 12 month service contract had already been in effect for about 6 months. I decided to cancel the contract when XXXX refused to honor the contract price. However, XXXX continued to bill me at the increased rate. XXXX made it exceedingly difficult to cancel the contract. Each time I called, they would transfer me around to various departments, putting me on hold for literally hours. Sometimes they would simply disconnect the call. I finally sent a written request to cancel service. Only then did they cancel, but it took them two months to shut off service, and they billed me for that extra time.
This entire ordeal has been over-the-top unethical, and likely unlawful. Starting with : 1. XXXX trying to overbill me and breaching the 12 month guaranteed fixed rate contact.
2. XXXX not timely cancelling my service.
3. XXXX selling the alleged debt to XXXX XXXX.
4. XXXX XXXX repeatedly harassed me, and ignored my initial requests to stop contacting me.
5. XXXX then sold the collection account to ERC.
6. ERC reported my account as a " Collection '' on my XXXX and XXXX credit report, before notifying me that they bought the account from XXXX XXXX. ERC only sent me a " Notice of Rights '' letter AFTER I disputed the negative collection report that it made to XXXX and XXXX.
ERC and XXXX ( and any other collection agency that buys this bogus debt account ) should be sanctioned. Thank you.
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| 01/14/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I cancelled mobile phone services with XXXX and ported my phone numbers over to XXXX XXXX. XXXX informed me that my mobile devices would need to be returned and if not fee associated with the devices will be added to the final statement. XXXX also stated that they would be sending postage boxes for the return of the devices. My state came from XXXX in XXXX which reflected the fees associated with non-return of the devices. We received the postage boxes from XXXX at the end of XX/XX/XXXX and returned the devices. XXXX send a statement in XXXX which reflected that the devices were still no received and an associated fee was added. We contacted XXXX who confirmed that the devices had been returned and that an updated final statement would be sent to our address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX. We waited approximately two months but no bill came. We contacted XXXX who stated that they sent a bill but when they confirmed the address they forgot the apartment number. The address was updated and XXXX state another bill would be processed. They requested that we go into a XXXX store which I did and they were unable to assist me in locating my account be my account was over 200 days old and was in an internal collection status. I attempted to log into my online portal for XXXX and it would not provide me a copy of the bill and it just stated that I owe a balance of {$1700.00} which was the previous balance with device fees. I contacted XXXX again in XXXX to request and itemized statement and again they stated that it would be mailed. After waiting 30 days I called XXXX again because I did not get a bill and I was informed that they could not find my account and stated that a statement was sent to my address. Again XXXX had the incorrect address and it had to be updated again so that the statement could be sent again. While waiting on the statement I received a phone call from a third party collection agency who stated that XXXX contracted them to collect on the account. I explained the situation and all collection efforts were stopped. I contacted XXXX to inquire about the bill at which time no request was found for a final statement to mailed. XXXX them made another ticket order to get my statement to me and halted all collection efforts. On XX/XX/XXXX I received a phone call from XXXX and when I picked up no one answered and the caller hung up. I called the number back and was transferred to ERC Collections who stated that XXXX has contracted them to collect on my account. I attempted to explain to them the situation and they stated that they were the legal owners of the account and payment would need to be made. I requested validation and made a dispute for the total balance due. I also asked that all collections effort cease until they can confirm with XXXX whats going on with the account but they did not want to assist and demanded payment. I contacted XXXX internal collections on XX/XX/XXXX at approximately XXXX hrs and spoke with XXXX who at first stated my balance was XXXX and then stated that she saw additional charges which raised the balance to XXXX. I made another request for an itemized statement which was granted and I was provided the Interaction Number # XXXX. She confirmed my address and observed that the address on field was missing the apartment number which could have been the reason why I did not get the statement from the previous request. I also confirmed with XXXX that XXXX was still the legal owner of the account and the ERC was on contracted to collect on the account. I was then instructed by XXXX to reach out to ERC and informed them of the status of the account and the account statement. I reached back out to ERC and informed them that XXXX is working on updating the the final statement and providing me with and itemized statement. ERC stated that the account was in a dispute and has been returned to XXXX for review.
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| 07/24/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Enhanced recovery has added an account showing me as being delinquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I just sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.
For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount.
In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated.
Please explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who they are.
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| 09/28/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XXXX XXXX, we moved and cancelled cable and internet with XXXX and XXXX XXXX XXXX. They sent us a box and USPS return label for equipment. We currently have XXXX as our cable and internet provider in the new house and had no need for hardware from XXXX XXXX XXXX. We placed all items in the box and gave it to our mail carrier at the curb of our house. XXXX XXXX, XXXX we received a {$160.00} bill for equipment that was not received. We found it hard to believe, so we called. They confirmed receiving our first box but said a certain part was missing. After going through our moving boxes, I found that last piece of equipment. On XXXX/XXXX/XXXX, I went to XXXX and received a return receipt confirming that package was sent. After being accused of not sending everything, I was wise enough to do it in person and receive a receipt. ( see attached XXXX A {$160.00} was received XXXX XXXX, XXXX, now from XXXX XXXX XXXX XXXX XXXX now threatening that the balance would be reported to the credit bureaus if it was not satisfied. We called XXXX XXXX XXXX again. The operator confirmed that the paperwork is lagging, second box was received and account now shows XXXX BALANCE. XXXX, another bill from XXXX XXXX XXXX arrived and my husband began receiving collection calls. He explained the story of the debt with XXXX XXXX XXXX. They asked what they could do to help, and he said to get the debt cleared as it should n't exist in the first place. My husband has literally spent hours on the phone with XXXX XXXX XXXX and XXXX XXXX XXXX trying to get this matter remedied. He asks for supervisors, is put on hold, given the same song and dance that it 'll be taken care of. Now this collection item is being reported to the credit bureaus. In XXXX XXXX, my husbands credit scores were all above 800. We have never missed a payment on any of the loans we have. No other negative information has EVER been reported against my husband. We assumed based on the collection agency 's threats, that this matter would be reported to the credit bureaus. They were not going to scare us into paying a debt that should not have existed in the first place. My husband just purchased a new car, for the first time in 12 years! We did n't like the idea of taking on a car payment, but he works so hard for our family and deserved it. Our youngest child started XXXX last week, so his daycare expenses that we do not have any longer have now become my husband 's car payment. We figured the collection item would cause a dip in his score. With the formulas for credit scorXXXX calculation being a complete secret, we had no idea the exact consequences. We were confident he would still meet the 720+ threshold for the best rate offered for the auto loan. The finance manager pulled my husband 's XXXX report to discover his XXXX XXXX is now XXXX due to this FALSE collection item. He was quoted 3.09 % for his auto loan, and we are instead paying 5.24 %. Because of a fraudulent item on his credit report. I have already filed a complaint with XXXX today. This matter must be resolved so that we can refinance this car. We have the money to satisfy the payment, but are being robbed out of over 2 % of interest.
I filed this complaint originally against XXXX XXXX XXXX. They informed us that after my husband explained the situation, they returned the file back to XXXX XXXX XXXX. Now a second collection agency is being utilized to attempt to collect on this false balance. XXXX XXXX has not even attempted to call my husband and no new collection noticies have been mailed.They are reporting this on my husband 's credit report and have trashed his credit score and impacted personal finances, as stated above.
XXXX XXXX responded that file has been returned to XXXX XXXX XXXX. XXXX XXXX, XXXX, I received a collection notice from a THIRD collection agency ( ERC ) now attempting to collect on this bogus debt!!
Sincerely, XXXX XXXX XXXX
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| 06/02/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XX/XX/XXXX I submitted a complaint with the CFPB regarding an attempt by XXXX XXXX to collect an invalid debt, which they reported on my credit report. Although my complaint was resolved on XX/XX/XXXX and the collection account was removed from my credit report and recalled on XX/XX/XXXX, XXXX XXXX apparently re-sold the inaccurate, invalid, unverified, and unsubstantiated debt to Enhanced Recovery Company ( ERC ). ERC began reporting this debt as a collection account in the amount of {$600.00} on my credit report on XX/XX/XXXX. XXXX XXXX had no right to sell the debt to ERC because the debt is not valid, they were not able to validate or substantiate the debt, and they admitted such when they responded to my complaint against them. I am again disputing this debt, with ERC. ERC is also reporting two different addresses as theirs on my credit reports.
The following is my original explanation regarding why the debt is invalid : On XX/XX/XXXX I cancelled my account with XXXX XXXX. On XX/XX/XXXX I received an email from XXXX regarding my remaining balance {$1400.00} ( see attached ). On XX/XX/XXXX I communicated with XXXX via their online chat system ( see attached ) and asked if I would be allowed to return the phones, and was told I could return the phones to a XXXX store for credit. On XX/XX/XXXX I returned 3 phones to the XXXX store and I called XXXX as directed to verify the return was credited ; I was told only 2 phones showed as returned in their system. I provided XXXX with the receipt number for verification and was told they would have to do an investigation into the credit for the 3rd phone. I was also informed that I would still be responsible for paying the {$1400.00} because I terminated my contract early. I informed them I would be able to make a partial payment of {$1000.00} as soon as I received the prepaid refund card from my new wireless provider, which could take up to 60 days to receive. I was told as long as monthly payments were made my account would remain in good standing and would not be sent to a collection agency. On XX/XX/XXXX I paid {$400.00} to XXXX via their online system. On XX/XX/XXXX I paid XXXX {$1000.00} via telephone and was told my remaining account balance of {$38.00} for the 3rd phone would remain in XXXX collection dept until refund was credited to account for the 3rd phone. I was assured the account would not be sent to a collection agency. On XX/XX/XXXX I called to check the status of the investigation and was told I only owed for the wireless charging pad that I had financed for a total of {$57.00}. I paid the {$57.00} during that call for the charging pad and I was told that payment satisfied the remaining balance on my account. In total I paid {$1500.00}, which was {$19.00} more than the total amount I was told I originally owed. I did not receive any further bills/notices from XXXX after the final payment I made on XX/XX/XXXX. I also did not receive any notice from the collection agency XXXX XXXX until XX/XX/XXXX, which is months after it was reported on my credit report in XX/XX/XXXX and the dates on my credit reports are also discrepant. The amount being reported on my credit report is {$600.00} with XXXX with an assigned date of XX/XX/XXXX and a delinquent date of XX/XX/XXXX ; {$600.00} with XXXX with an assigned date of XX/XX/XXXX and delinquent date of XX/XX/XXXX ; and {$600.00} with XXXX with a placed for collection date of XX/XX/XXXX. My account was never delinquent with XXXX and they continued to accept payments from me after XX/XX/XXXX, which is the delinquency date being reported on my XXXX report. I do not owe the {$600.00} or any other amount to XXXX or XXXX XXXX because my debt to XXXX was paid in full on XX/XX/XXXX. I disputed the collection/debt on all 3 of my credit reports in XX/XX/XXXX and XXXX XXXX refused to remove the collection/debt from any of my reports.
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| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Upon checking my report I came across XXXX inquiry I did not recognize. From a company named ERC who I have never conducted a transaction or business with .They have pulled my report for the second year in a row and the same month without my permission. I contacted the company and they were making claims of me to owe an alleged debt. I disagreed and asked to send me proof of such debt pursuant 15 usc 1692 G .I have not gotten proof of the alleged date to date but the inquiry was unauthorized and I would like to know how they were able to obtain my consumer report without my permission. They have also violated XXXX XXXX XXXX for obtaining my social to use to pull my consumer report .I have attached all exhibits including a demand for payment. I am go to copy and past letter and attach as well .I did not give ERC to Obtain my consumer report this will mark the second time as they ignored all demands first time on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.H XXXX
Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$2000.00} Settlement.
To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my " XXXX '' consumer report on XX/XX/XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
" A person shall not use or obtain a consumer report for any purpose unless ; XXXX. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.
XXXXThe purpose is certified in accordance with section XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ).
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
I have not initiated any transaction with ENHANCED RECOVERY MANAGEMENT '', Further, I do not have an " account '' as defined under 15 U.S.C. 1693a ( XXXX ) with Credit for review or collection.
Furthermore, under the FCRA, " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both, 15 U, S.C. 1681n ( a ).
15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both.
XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified, Remedy : Please send payment Via Check Payable to XXXX XXXX to the address ( XXXX XXXX XXXX XXXX XXXX, XXXX, N.H. XXXX } Yours Sincerely, XXXX XXXX
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| 04/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
Servicemember |
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I was contacted by this Company XXXX XXXX concerning a XXXX $ debt from XXXX. I called the company and asked them what was the statue of limitations of this debt and followed up with a mailed correspondence letter The exact same day dated XXXX/XXXX/XXXX ( attached ) I requested them to validate the debt and that I wish to deal with the original creditor Informing them that I have disputed this debt in writing within XXXX days of receipt of their dunning notice, and they must obtain verification of the debt or a copy of the judgment against me and mail these items to me at their expense in which they never did .On XXXX XXXX They reported this negative debt information from XXXX on my Credit report, and never followed up with me with any of the information my correspondence letter requested. On XXXX/XXXX/XXXX I spoke to two representatives XXXX XXXX and XXXX XXXX And I was told that they report all debt regardless if the statue of limitations has pass and their required to report based on the date they acquire the debt. They also said that they will now 4 months later send me the information I requested after they already posted their derogatory remarks on my previous perfect credit report which I worked the past XXXX years to clean up any pay and debt owed.My credit was perfect around XXXX This XXXX negative remark has prevented me from getting credit Given the fact its showing as an unpaid recent collection. this is what i wrote to them. Dear Enhanced Recovery Company , LLC, I am writing in response to your letter dated XXXX/XXXX/XXXX, ( copy enclosed ) because I do not owe what you say I owe. This is the XXXX I 've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt and the date the alleged debt occurred ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in the state of Virginia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, you can not add interest or fees except those allowedyou do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. should you pursue a judgment without validating this debt,
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| 12/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I financed an Iphone 5 with XXXX back in XXXX and I had full coverage insurance. The phone was stolen around the end of XXXX and i put in for an insurance claim. XXXX said I needed to file a police report and give them a copy of it. I faxed it in, I mailed it in and then I faxed it again. The first two times I called to see if they got it they said they did n't. The third time I was told they did have it. In about XXXX or XXXX of XXXX the investigator sent me a letter saying that they found the phone. I asked him if it had been wiped clean, as I had lots of pictures of my daughter and my dad who had passed away on that phone. I really just wanted the pictures and did n't think I had really any right to the phone since the insurance covered it. So I called XXXX and told them about the letter and that the phone was at the XXXX Police Dept and did they want the phone back. They told me no, and then they proceed to tell me that they did n't get the report in time to do the insurance claim. It takes 2-3 weeks min to get the report and i sent it a few times to them. The problem is back then XXXX 's customer service was horrible, no one knew what they were doing and I got conflicting infomation about everything whether is be a billing inquiry, or complaints about service. I traded in my old Iphone and they told me in the store I was to get {$200.00} credit toward the new one, and when it never showed up on my statement- I finaced the phone for like {$20.00} a month, customer service told me that I never traded in a phone and there is no record of it. Finally after hours on the phone and going back and forth to the store, talking to managers, they finally gave me {$50.00} for the phone and that their employee made a mistake by telling me i was to get {$200.00}. So now they have sent this to collections. I dispute it with the credit bureaus and it gets removed from my credit file, then the collection company sells the debt to another collection agency and the process starts over again. This last time my dispute was finalized XX/XX/XXXX and this new account was opened on XX/XX/XXXX. I never know when it will show back up. And unfortunately for me, I am a single mom with XXXX kids, im on public assistance, I work but only make about {$1200.00} a month take home. My car just broke down and it going to cost more to fix it than it worth. I wanted to go get a {$5000.00} loan for a car and was planning on paying most of it off when I got my taxes. Other wise on the train and bus it takes me almost 4 hours to get the kids to school and daycare, then I go to work for a few hours and it takes another 4 hours to get home. I need a car other wise my kids do n't get homework done in time and when we arent home til XXXX its time for bed, they have to get bathed and eat and they will be going to bed too late and not getting the proper sleep, and spending all day on a bus and train is not cool. And of course that day the collection shows back up again. There must be something I can do, the credit bureaus said it is legal for them to do this and they can continue to do it til they can not report it. I am afraid to call them because I do n't want the statue of limitations to start over, I do n't trust them. Is there any recourse I can take to resolve this once and for all. If an emergency happens and I dont make much money, I need my credit to fall back on, and was finally getting good again. Other wise my kids wo n't eat or rent wo n't get paid and we will be back on the street again. It happened before when my credit was bad. They should not be able to do this especially if it has been disputed and removed after I furnished the proof of everything, what should I do?? I still have the letter from the police investigator, I have ordered another report because I lost it. Let me know if I should submit that when I get it.
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| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I purchased UNDER XXXX XXXX WRITTEN CONTRACT ... a NEW PHONE ... & with a BUNDLING package deal ... .aka ... XXXX / XXXX XXXX COMBINED CONTRACT! WHEN XXXX CHECKED MY PAST HISTORY, an outstanding account showed up ... ..UNDER A FALSE NAME OF XXXX XXXX ... NOT ME! XXXX CHARGED ME A {$350.00} DEPOSIT UNTIL XXXX XXXX DID A IDENITY INVESTIGATION .. . 3-4 da ys later, XXXX CONTACTED ME & stated that IDENITY was proven inaccurate & they LIFTED THE TEMPORARY HOLD ... . XXXX XXXX WOULD BE OUT TO INSTALL UNDER CONTRACTUAL BUNDLING PUTCHASED & THAT I WOULD RECIEVE MY {$350.00} back in 72 hours!!!!! THIS HAS NEVER HAPPENED ... .WHEN I DIDNT RECIEVE MY DEPOSIT BACK & XXXX XXXX BILLED ME ... .with NOTHING RVER RECEIVED FROM MY XXXX CONTRACT!!!! I contacted Store manager, Corporate Headquarters, spoke numerous times to XXXX & XXXX . Got to the point of contacting XXXX XXXX Legal Dept, requesting Arbitration!!!! I was told by XXXX AT THIS POINT TO RETURN ALL EQUIPMENT, which I did!!! They turned me over to XXXX XXXX for non-receipt of equipment!!! AFTER CALLING & sending them my return tracking # .... The dispute was removed from my credit reporting agencies ... ..Investigated & settled! Now in the midst of refinancing my home, a new charge from XXXX XXXX -ENHANCED RECOVERY COLLECTIONS TURNS ME OVER AGAIN FOR {$480.00} for BREAKING MY CONTRACT " Early Termination '' FEE!!!!! I called Enchanced RECOVERY ... & Again disputed XXXX XXXX . I was not given a reference # from them, explained that XXXX FAILRD TO BUNDLE, I did not order XXXX XXXX TO INSTALL, that XXXX DID AFYER LIFT IFF MY IDENITY ISSU E IN 2015! I CONTINUE TO CALL XXXX " Originator '' & have Gotten numourous apologies, BUT IT HAS NEVER BEEN CORRECTED!!!!! I have been mis-lead, harassed by collection agencies upon my credit reporting agencies, BUT HAVE NEVER BEEN CONTACTED BY XXXX OR XXXX BY MAIL THAT THIS WAS HAPPENING!!!!! This is pure fraud! I have not received my {$350.00} deposit back, never BUNDLED, NEVER GOT CONTRACTED BUNDLING PACKAGE & have been through XXXX XXXX legal!!!!! This is against the law! I just called XXXX XXXX AGAIN ... They tell me they ca n't tell me anything because I Do not have a reference # from Enhanced Recovery. I again try to contact Enhanced Recovery & they tell me it 's been sent back to XXXX SINCE ORIGINAL DIDPUTE WAS SETTLED & Released after filing dispute with prior collection agency & after investigating, Was closed & deleted???????? They would not give me any additional info!!!! Therefore, XXXX TELLS ME I CANT PROCEED WITH MY CLAIM AGAINST THEM " Originator of Bundling Contract '' Without # of reference from Enhanced Recovery!!!!! What in the heck am I supposed to do to get my deposit back from XXXX XXXX that was supposed to be released in 2015 & How the heck can XXXX GET AWAY WITH THIS!!! M y credit score has dropped, myI am XXXX XXXX XXXX , I have made numerous trips to Corp XXXX stores & numerous phone calls!!!!!! XXXX HAS NOT TAKEN RESPONSIBILITY FOR " FAILURE TO HONOR ORIGINAL BUNDLE AGREEMENT ". I have suffered FINANCIALLY, emotionally & physically!!! I am under Medical care & their error ... .which they ADMIT!!!!! .., continues ON!!!!! Please, help This mis-leading, null & voided contract, my {$350.00} to be refunded & once & for all, XXXX aka XXXX STOP THIS!!!! I did not authorize Installation of XXXX XXXX WITHOUT RECEIVING HOLD LIFTED ... Identoty fraud ... .as well as hand writing thin on XXXX XXXX 's INSTALLERS PAPERWORK!!!!!!! They ar e RESPONSIBLE!!!! !!! Please, before civil action under FCDPA, HELP THEM TO CLEAR MY ACCOUNT UP IN FULL & maybe save another VICTIM TO THEIR BLAME GAME BUNDLING CONTRACT!! Thank you & I so appreciate & look forward to your response.
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| 08/04/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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on XX/XX/2019 a collection was placed ion my consumer credit file by the company ENHANCED RECOVERY COLLECTION for the amount of {$200.00}, i never received no proper documents when i asked for this company to validate this date, they have violated my rights as a consumer under fair debt collection practices & fair credit reporting act ..the list below is where this company has violated my consumers rights 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
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| 08/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I had a phone contract with XXXX. When I signed up for services in store XX/XX/XXXX I was told by the customer service representative in the store that I had 30 days in which to cancel my contract if I was unhappy with service. By the end of the first week it was clear that the very costly services ( around {$350.00} a month for XXXX phones ) were not providing good reception, the internet did not even WORK on the phones ( these were brand new models!!! ) and even when calling between the XXXX XXXX lines or sending texts there were often delays of XXXX minutes or more. I called on day XXXX after giving their services a chance, feeling I was well within the time limit of 30 days. I was told, I am sorry you only have ten days to cancel. I went into the store to try to talk to someone, they apologized that I was given incorrect information by the sales representative but told me that indeed I had ten days to cancel NO EXCEPTIONS. So now I was locked into a horrible cell phone service that barely worked and I did not want. We did not even use one of the phones because the internet service on it was so poor ( even when on a Wifi connection! ) that it was rendered worthless. We had to buy another phone with a different ( and much cheaper! ) provider that worked great. I continued to pay the outrageous $ 350+ monthly charges ( keep in mind this is for only XXXX phones with minimum packages ) for six months. In early XXXX of XXXX my house was robbed, my car was stolen, and XXXX of the phones was stolen. I called and reported the phone stolen and requested to cancel service on that phone. A few days later the other phone was broken beyond repair and I did not have the funds ( after being robbed of nearly all my belongings ) to purchase a new phone through XXXX. I requested they terminate my account. My father offered to call and pay via credit card because I could not afford termination fees. He did this in early XXXX XXXX. A year and a half later and I am getting letters and calls from a collection agency ( including XXXX calls after XXXX on a weeknight which I have reported them for ) asking for {$930.00} that they say I owe to XXXX. XXXX says my father never completed payment, even though when I called them to confirm the accounts were closed and everything was settled I was told, " Yes everything has been taken care of and you have nothing to worry about and will not be getting a bill from XXXX in the future. '' They are requesting a whopping {$580.00} for termination fees, despite the fact that I was duped into a contract and had made their outrageous payments each month for non-working cell phones and had been robbed and was therefore not at fault for the need to cancel contract. I am currently expecting my first child any day now, and I am single and a student with no income. I do not have the time to deal with XXXX and the collection agency harassment as I try to finish my degree and move forward in my life. These charges are beyond excessive, and XXXX has already lost a court case in XXXX County ( where I was residing ) in XX/XX/XXXX for excessive termination fees, and recently lost a nationwide case for bill cramming that occurred during the time I had service with them. Furthermore, my father paid these charges in XXXX XXXX and I was told by a representative that my account was closed, no more billing, no problems. Now I am being harassed by XXXX and their collection agency with calls being placed at XXXX on XXXX XXXX, XXXX and XXXX on XXXX XXXX, XXXX in an attempt to collect this so-called debt. XXXX customer service lies and says they want to speak with me to resolve and address my issues then claim they never got payment from my father and yell that I owe them money and they will send me the bill. A total waste of my time and harassment on all levels!
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| 01/28/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO XXXX XXXX XXXX XXXX XXXX, FLXX/XX/XXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$550.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXXXXXX XXXX XXXXXXXX
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| 08/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Older American |
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Re : Request for Investigation " Cramming '' & " Slamming '' - Unauthorized Charges Creditor : Enhanced Recovery/XXXX XXXX, XXXX - ( See Enclosed ) To Whom It May Concern : - Enhanced Recovery Company, LLCI am sending this letter to you in response to ( See attached ) notice I received from Enhanced Recovery Company , LLC on XXXX XXXX ( date of letter ).
Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. This is a Re-Aged Account.
Collection Agencies and Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed items from consumer 's credit reports without notifying a consumer. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable deceptive practice.
I AM IN DISPUTE OF THIS INACCURATE ACCOUNT. The practice of including unauthorized, misleading, or deceptive charges on this XXXX ( Account Number XXXX ) Billing Summary is called " cramming. '' Your investigation will determine '' Third-party charges may appear on XXXX XXXX telephone bill as a " service fee, '' " service charge, '' " monthly fee, '' " other fees, '' " voice mail, '' " mail server, '' or " membership. '' Companies that cram charges and fees onto telephone and credit card bills can make substantial profits from this practice because many consumers either do not closely review their bills or do not know who to contact to dispute the charges.
Numerous unauthorized charges appeared on this billing summary ( XXXX ) Without any explanation ; From a company with a fake business nameFOR YOUR REVIEW A BILLING SUMMARY OF THIRD PARTY CHARGES AND CREDITSThis Refund Program was for current and former XXXX customers who may have incurred unauthorized charges for third-party Premium SMS ( Text Message ) services. The deadline to submit a claim to the XXXX XXXX Refund Program was XXXX XXXX, 2015. The program has now closed. If you submitted a claim online before the XXXX XXXX, 2015 deadline you can review the status of your claim with your registration number and password. If you submitted a claim form before the XXXX XXXX, 2015 deadline by mail or email you can contact the Refund Administrator.
Therefore, please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe for unauthorized third-party billing disputed charges on this Re-aged disputed account.
Provide a verification or copy of any judgment if applicable ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Report
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| 08/19/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Collections opened on XX/XX/XXXX - I have not received on notice or any correspondence of this account. It is now XX/XX/XXXX and I just now get notice thru email because of XXXX. They posted it to my Credit Report on XX/XX/XXXX.
On XX/XX/XXXX I received an email alert from my XXXX account. I contacted Enhanced Rocovery to request information on this account. I have never received one call nor a one letter of correspondance on this matter. The address they are saying this is in connection to is my old address I shared with my ex husband and I have not lived at the residence since XX/XX/XXXX. I was told by the person I spoke to at ERC said it was most likely a cell phone debt but I have had a prepaid cell phone plan since XXXX.
ERC, collections for XXXX XXXX, I have never received any correspondence from XXXX XXXX or ERC.
I have never heard of ERC and I am not certain what or who XXXX XXXX is.
XX/XX/XXXX Is the first time I had seen or heard of any account in my name. I was alerted in my email account due to the collections updating to my XXXX account.
XX/XX/XXXX at XXXX XXXX I contacted ERC to get as much information as possible on this issue of the {$450.00} that is in collections.
I spoke with two ladies. The first lady offered a payoff amount {$370.00}, I wanted to know exactly who and what this account is and for. The first lady said it would most likely be a cell phone account. I informed her I have had a prepaid cell phone since XXXX and that I should not have a collection for a cell phone. I was then placed on hold to wait for a supervisor.
The supervisor came on the line and offered me to pay off the entire debt for XXXX.
I asked again who the account was for, she said cable, telecommunications companies and that this was for the residence of XXXX XXXX XXXX.
I moved out of XXXX XXXX XXXX in XXXX of XXXX which I shared the home with my ex-husband.
Most of my time living at XXXX XXXX XXXX my mother had set up my internet and tv in her name and paid it for a long time to help me get back on track.
Once she ended the service my ex-husband was working full time and he set up the internet and cable.
My ex-husband was in control of finances, and he set up most bills. Once divorce was finalized, I was educated on the different accounts that were unpaid and in my name.
I thought I had taken care of any account or credit my ex-husband had taken out in my name.
I had no idea what was on my credit until I needed to get a loan for a vehicle after my car was totaled. That was XX/XX/XXXX.
I have had excellent payment history for over a year. I have not missed a payment and I have work extremely hard on my credit and finances.
Now out of the blue, there is a collection account on my credit.
The address that they had for me was, Like I had mentioned I have not lived there since XX/XX/XXXX.
The account balance states XXXX but in a 20-minute phone conversation the price went down to XXXX then down to XXXX.
Can someone please let me know what the best course of action is XXXX : XXXX XXXX : XXXX XXXX : XXXX The above hyper link is the website I looked at for the information on how to contact ENHANCED RECOVERY CO L Original creditor : XXXX XXXX {$450.00} Balance updated XX/XX/XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$450.00} Balance {$450.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected or let us know online or by mail.
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| 03/10/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 ENHANCED RECOVERY CO / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$350.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX
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| 12/05/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have repeatedly tried to fix this problem with XXXX XXXX XXXX. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
cc Federal Trade Commission I have not received non of the information I requested.
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| 08/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I sent ( 2 ) Letters in XX/XX/2022 and XX/XX/2022 to Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' who is reporting fraudulent & unvalidated information.
" ENHANCED RECOVERY COMPANY '' are allegedly stating I have alleged debt of {$230.00} but I never contracted to do business with them ; The Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' provided insufficient validation that did not follow my request.
" ENHANCED RECOVERY COMPANY '' had ( 15 ) days to provide the correct request to validate the debt which they did not ; It has been more than ( 60 ) days ; I requested the following from Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' as I was never notified of this alleged debt collection.
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. I am requiring the following exactly as instructed : An explanation of what this alleged account balance is for.
A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
Documentation that shows I agreed to pay this debt with my signature ; documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft which you will be reported for such.
The Agreement that grants you authority to collect on this alleged debt.
A copy of your state license, including license number that give you rights to collect in my state.
The purchase agreement Any Executive Officer to Swear under penalty of perjury you were present during the alleged debt Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' has to understand reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' have committed the following FDCPA Violations as they are sending deceptive forms making false belief that I owe them anything. 15 USC 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile and furnish any form knowing that such form would be used to create false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. Stop contacting me about this or any other matter you have. Cease and Desist ASAP and delete this account from these Credit Reporting Agencies ( XXXX and XXXX ) except to provide me with accurate validation of this debt by US mail only not the same insufficient document you already sent.
I have also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX State Attorney General and The XXXX XXXX XXXX to have confirmation of proof. You have another ( 15 ) days from the date of this letter to respond with all items requested and I demand these items to be removed immediately from Credit Reporting Agencies ( XXXX ) and 3rd parties or I will seek Monetary compensation damages for all the violations you already committed.
I do not know this Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' and never signed any contract with them.
The Alleged Debt Collection Company " ENHANCED RECOVERY COMPANY '' illegally received my personal information without my permission which is Identity Theft a violation of my federally protected consumer rights.
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| 11/19/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX : Collection account : XXXX ( {$360.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX.
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| 08/03/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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on XXXX XXXX a collection was placed on my account for the amount of {$480.00} by the collection company : ENHANCED RECOVERY COLLECTIONS ... i have sent out 2 debt validation letters for this company to verify this false debt, by law under the fdcpa i have the right to challenge this debt ..this is a violation of my privacy under FCRA ..the violations follow:15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
15 U.S. Code 1692f.Unfair practices ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 7 ) Communicating with a consumer regarding a debt by post card.
15 U.S. Code 1692e.False or misleading representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
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| 05/12/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { Experian, Equifax or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : Equifax, Experian and TransUnion } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
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| 03/09/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX RE : Collection account : XXXX ; {$280.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX
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| 11/29/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After reviewing my credit report, I have discovered an inaccurate listing from ERC Company or XXXX reporting an amount of {$1400.00} with XXXX, XXXX and XXXX credit reporting agencies. I have never had a contract or received services from ERC Company or XXXX, which has ultimately resulted in ERC or XXXX failing to VALIDATE by providing a signed contract.
This has been on my credit report for four years, I have disputed this on numerous occasions, I have reached out to ERC Company or XXXX for validation ( a signed contract ) and not verification ( account summary ) but ERS has only verified the account information, which anyone could have used my personal information to initiate this account and they have failed to provide the requested information. This account has three different phone lines and I have never had or used any of these cell phone numbers.
In this case, I am truly not reliable for collection for this debt from ERC or XXXX. I sent debt verification letters to ERC and the credit bureaus requesting the original signed contract and the account summary on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and once again XX/XX/XXXX. On XX/XX/XXXX, ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request, however, I have been instructed to submit this claim once again due to ERC failing to respond on the last claim submitted. The collection agency has confirmed ( see attachment ) " Please note that the FDCPA does not define verification beyond the above language. It also does not require the debt collector to obtain a copy of the original contract. As indicated above, ERC collects on behalf of our client, XXXX. ". They are confirming that they do not have a copy of the original contract and I requested specific verification and validation. If they are XXXX clients, then they should have no issues providing the original or wet ink signature contract. No other contact was made until XX/XX/XXXX dispute. Once again ERC has only provided a four-page account summary document from XXXX in the amount {$1400.00} ( see attached ). A bill is not proper validation of the debt and if they are acting on behalf of XXXX, there should be no reason why a signed contract cant be provided. Which each dispute, I have never refused payment and it appears they are attempting to force this debt on me instead of providing facts and consider that this account will continue to be disputed for reasons that it is invalid.
In conclusion, I have disputed this collection account with all three credit bureaus and ERC has not provided any information, contract or adequate proof, that I signed a contract with this company and that I owe the amount listed. I have never had a contract with either ERC or XXXX. Please advise ERC to provide a signed contract or delete this account from my credit report. If needed, I will start with filing a police report, follow up with the attorney general 's office, FTC, XXXX, CPFB and anybody else in regard to this account. Please have ERC remove the negative report against my SSN with all three credit reporting agencies ( XXXX, XXXX and XXXX ). Lastly, to remove all personal information from all accounts in this company database. In addition, the business has agreed to have no contact in any form with me regarding this account now or in the future.
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| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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ERC/ XXXX XXXX XXXX XXXX XXXX Florida XXXX Re : Partial Acct # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. ( 2nd REQUEST ) Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. ( 2nd REQUEST ) Any insurance claims been made by any creditor regarding this account. ( 2nd REQUEST ) Any Judgments obtained by any creditor regarding this account. ( 2nd REQUEST ) Name and address of alleged creditor. ( 2nd REQUEST ) Name on file of alleged debtor. ( 2nd REQUEST ) Alleged account number. ( 2nd REQUEST ) Address on file for alleged debtor. ( 2nd REQUEST ) Amount of alleged debt. ( 2nd REQUEST ) Date this alleged debt became payable. XXXX XXXX REQUEST ) Date of original charge off or delinquency. ( 2nd REQUEST ) Verification that this debt was assigned or sold to collector. ( 2nd REQUEST ) Complete accounting of alleged debt. ( 2nd REQUEST ) Commission for debt collector if collection efforts are successful. ( 2nd REQUEST ) Please provide the name and address of the bonding agent for Your collection agency in case legal action becomes necessary. YOUR CLAIM CAN NOT AND WILL NOT BE CONSIDERED IF ANY PORTION OF THE ABOVE IS NOT COMPLETED AND RETURNED WITH COPIES OF ALL REQUESTED DOCUMENTS. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. ( 2nd REQUEST )
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| 09/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO XXXX XXXX XXXX XXXX, XXXX, FL XXXX , ( XXXX ) XXXX RE : Collection account : XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX.
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| 06/08/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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- On XX/XX/XXXX I went to an XXXX store with my wife to buy an XXXX. While there the salesman offerred us a special joing XXXX/XXXX " special '' because we were buying an XXXX. The special was that XXXX would install their system for free and that we would only have to pay about $ XXXX/month for basic service ( we only considered it for our young son to watch cartoons on basic service, we don't watch any premium services ). They explained only our first bill would reflect some fees ( totaling about {$130.00}, that we had to pay ( that would be " rebated '' ) and that our service would be about {$30.00} thereafter.
- On XX/XX/XXXX they installed the system - The first bill we received in XXXX was for {$70.00} ( almost twice what we had agreed upon ). I called to dispute, sitting on hold for more than an hour waiting for various people to help me. They apologized and said it would be corrected on the next bill.
- The next bill came in XXXX and was also $ XXXX ( twice what was represented. ) I called again to dispute and again sat on hold for more than an hour. At this point they said they couldn't discuss until the account was not delinquent so I paid the {$150.00} amount ( for 2 months ). Again, they told me the amount would be corrected on the next bill.
- The next bill came in XXXX and was even higher at {$82.00}! Again I called to complain, again sat on hold for more than an hour and again was told it would be " escalated & corrected ''. I told them if they couldn't correct the constant billing errors to take back their equipment and cancel my service. They apologized profusely and assured me this time it would be corrected. It never was.
- The next bill came in XXXX and like the others before was more than twice represented, again I sat on hold for more than an hour and again was told they couldn't discuss until the account was not delinquent so I paid the {$130.00} amount ( for 2 months ). Again, they told me the amount would be corrected on the next bill.
- The next bill came and FINALLY, after 5 months, was the correct amount at about {$30.00}.
- This would only last about a month, as the next one came in as before at double that again. By XXXX we were back to XXXX XXXXmonth and {$110.00} past due and I had a new regular monthly job waiting on hold for hours at a time XXXX.
- By XXXX I was feeling like I had been straight out defrauded and shaken down ( every month needing to do multiple hour+ long calls ) So I contacted XXXX to speak to a manager about being defrauded and filled out an XXXX/XXXX dispute form. They told me that they couldn't help me because the contract I had was actually with a " division of XXXX that was especially for XXXX and not XXXX itself '' and that I'd need to contact the XXXX/XXXX. I contacted the XXXX/XXXX and was told the exact opposite. Each phone call an hour plus and each phone call ( that I wasn't disconnected, transferred or hung up on afte waiting an hour+ ) ended in me being told they couldn't help me and that I'd have to call the other.
- By XX/XX/XXXX, I was given a FINAL NOTICE that my service would be terminated and that I owed {$130.00} ( I had been double charged and been double paying for almost a year at this point ), called for another hour+ call and told them to come pick up their equipment that I had been defrauded and didn't want the service anymore. They said they would send someone to pick up the equipment. As usual, they never did what they said, no one showed up, and on XX/XX/XXXX the disconnected my service and said I owed ( somehow 5 days later ) now {$150.00}.
- My bank checked my credit which to my shock showed a XXXX collection of {$680.00}!!! I have been defrauded by XXXX/XXXX an now they have also ruined my credit!!!
|
| 04/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX RE : Collection accountS : XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository thatA could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harasment and I will have no choice but to file suit. All future comunications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove thESE accountS from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX.
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| 07/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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ENHANCED RECOVERY COMPANY , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX XXXX the consumer never gave ENHANCED RECOVERY COMPANY , LLC any written consent to report anything on my consumer report. No consent is Identity Theft. Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave ENHANCED RECOVERY COMPANY , LLC any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation. Pursuant to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.. Who is the original creditor? I am, How? When I am given credit I am really receiving something that already belongs to me. Let me explain : my social security card is owned by the SSA, so legally all my debts are the U.S debts. Now, let me get back to explaining how I am the original creditor. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below. Also, banks cant loan money, it is illegal for banks to loan money. This is why the FDCPA 15 USC 1692 never uses the term borrower. You see how I am the original creditor now? ENHANCED RECOVERY COMPANY , LLC is showing on my consumer report as the original consumer and this is furnished deceptively.
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| 10/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XX/XX/XXXX I was contacted by XXXX in reference to a debt they claimed I owed. I wrote them a letter ( I do not have a copy ) indicating that I did not owe this debt and this debt was not mine. I received a letter from XXXX indicating that my claim was denied. I received no other communication from XXXX and then learned that the XXXX debt had been reported on my credit. I was unaware of what I could do so I did nothing to continue to dispute the debt. I waited and after 6 or 7 years, the debt dropped off of my credit report. I assumed the nightmare was over and I could start to rebuild my credit which I did. Now XX/XX/XXXX, a week or so ago a received a phone call from ERC ( a collection agency ). They indicated to me that I owed a debt. I told them that they had the wrong person and they proceeded to tell me that this was a debt reported by XXXX. I told ERC that the debt did not belong to me. The representative told me that since I was disputing the debt they would send the dispute to XXXX and they would send a dispute form in the mail. At that time and in order for me to do my due diligence, I asked for the phone number associated with the account and address on the account. The phone number was not provided but the address was. It was not an address where I had ever resided, nor a city I had ever resided in. A week or so after initial contact by ERC I received a fraud dispute letter from XXXX and a request for documents that would validate my identity during the time the account was opened. I am in the process of completing their request and I will also separately mail a debt validation letter and a debt dispute letter. All letters will be sent to XXXX, ERC and FTC 's Bureau of Consumer Protection. I have disputed this debt and have illustrated that I did not reside at the location in which the bill was sent. According to a representative from ERC, they claim that all XXXX has to do in order to verify the debt is not mine is to check to see how the payments were made between the time the account was opened XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
These dates were provided to me by ERC. The address where the billing statements were sent for 2 years and paid for 2 years was an address in XXXX, Georgia ( information also reported by ERC ). At the time this account had been opened and utilized, I had purchased my primary residence which was located in XXXX, Georgia and there I resided. At what point will XXXX stop harassing me for a debt that I do not owe? Will they be able to sell this debt to a collection agency every 6-8 years and start this debt collection process over and over again and again? When does the statute of limitation kick in? Does a creditor really have the autonomy to continue to harass anyone just because they claim a debt is owed. I have disputed the debt indicating that I did not live at the address where the billing statement was being sent, I had no record of a XXXX account with the account number that was provided by XXXX ( via their written letter dated XX/XX/XXXX ), there was no proof that the debt was mine nor was there any information provided to me which illustrated that I authorized an account to be opened in my name. It appears XXXX has all of the information in their possession that would prove that the account is not mine. I contacted XXXX and spoke with a representative regarding this matter specifically relating to the debt being placed on my credit report again. I was told that the original creditor can continue to sell the debt to collection agencies for the remainder of my life and with each collection agency, they can report the debt to the credit reporting agencies. When will this end? Is there a statute of limitations? I am in the process of retaining an attorney.
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| 03/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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XXXX changed their cell towers from XXXX to XXXX. My phones no longer got XXXX. XXXX was horribly slow and inconsistent. I tried for months to get them to give me free new phones which would work with XXXX. They would not. I pointed out that their service agreement specifically addresses this situation ( I will include the documents as attachments, if possible ). Still, they would not give me new phones. I told them I would have to switch carriers because I effectively had no cell service. Still no help. So I switched to XXXX. They then tried to charge me a {$490.00} Early Termination Fee ( ETF ) because I cancelled before my contract was up. I pointed out to them that their Terms and Conditions state the following : " New Agreements on the XXXX XXXX ( XXXX ) Network : Your Service on a device activated on the XXXX XXXX ( XXXX ) Network may require a new XXXX two-year Agreement per line. XXXX expressly reserves the right to migrate your Service during this Agreement term from the XXXX XXXX ( XXXX ) Network to the XXXX XXXX XXXX network to complete your Agreement term. Reasonable advance notice of the Service change will be provided to impacted customers, who can then select XXXX of the following options : ( a ) Choose to complete the Agreement term using your existing device Terms & Conditions without XXXX ( XXXX ) capability ( b ) Elect to complete the Agreement term by contacting us after receiving notice from XXXX to transition to the XXXX XXXX XXXX network with no additional term commitment required ( Transition Option ) ( c ) Deactivate service. Deactivations because of this Service change will not result in an Early Termination Fee ( ETF ). Transition Option : If you select the Transition Option, you will receive a free standard XXXX XXXX capable device and can maintain your existing Service plan, if available. During the Agreement term, XXXX may provide other offers that are separate from the Transition Option, and these offers will be subject to a new two-year Agreement per line. '' Since XXXX did not honor its obligation under the " Transition Option '' ( b ) I exercised my option to deactivate under Option ( c ) with the belief I would not be charged an ETF, AS IS CLEARLY STATED IN THE TERMS AND CONDITIONS ( " Deactivations because of this Service change will not result in an Early Termination Fee ( ETF ) '' ). Again, I tried, for months, to get them to honor Option ( b ) but they would not. SO I went to XXXX and they sent my account to a series of collection agencies. I promptly responded, in writing, to any written communications I got from these companies. I fully explained the situation to each and told them I would not make a payment because the debt was not valid. The first XXXX firms dropped the matter. However, the XXXX/current one ( Enhanced Recovery Company, LLC, " ERC '' ) reported this matter to the credit reporting agencies with the result being an approximately XXXX point drop in my XXXX score. Needless to say, I consider this unacceptable as well as inaccurate. I 've tried to resolve it with ERC but they keep referring me to XXXX which, as expected, has proven useless. ERC is acting on behalf of XXXX, XXXX will not honor their obligations under their own Terms and Conditions. My only recourse is to file this complaint with the hope the matter will finally be resolved in my favor. This whole situation should never have happened in the first place. XXXX needs to honor their Terms and Conditions, even if there 's a cost to doing so. They changed the cell tower technology to something that no longer gave me service. I paid my bills and fully honored my obligations under the agreement. This matter is their doing yet I have been paying the price. This needs to be corrected ASAP.
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| 10/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I have been a customer with XXXX and with XXXX since XXXX. I have been on autopay since that time and have been current on my bills. I have recently tried to refinance my home. However when the lender pulled my credit a collection from XXXX pulled up. After a number of calls to XXXX as illustrated below I have come to the conclusion that in XXXX someone from XXXX without my knowledge opened an additional unauthorized account trying to combine my XXXX with XXXX. During that time XXXX continued to bill me from my account # XXXX ( XXXX the XXXX digit # at the end ). Of which I am still current presently on this account. Apparently for the months of XXXX XXXX through XXXX XXXX XXXX opened the additional account to cover XXXX without letting me know. It took an immense amount of calls to find all of this information, each time finding out small tidbits here and there. If I called their billing department and asked for a supervisor they would transfer me to their finance department instead of their supervisor and then the finance department would pressure me into paying the outstanding amount of {$230.00}. However I had to explain on numerous occasions that it would still show as a paid collection on my credit for 7 years which most reps did not understand. I am happy making the payment but am asking for a Payment for Deletion letter as XXXX violated the Fair Debt Collection Practices Act and had an illegal collection. One rep even told me that even though they made the mistake it was my fault for not noticing this. This is not the first time XXXX has done this to me either. In another instance they opened another account without my authorization that included landline phone bill charges, even though I do not have a landline phone setup. However that is another issue and not the reason why I am writing this, simply pointing out the discrepancies of this company.
After speaking with XXXX billing and finance reps along with a few managers was finally able to obtain the information for ERC Collections as most reps had no idea what I was referencing since they could not find any additional accounts. When calling ERC they asked me for my address. I provided them my primary address as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. They told me that was not the address they had on file. The letters they had sent out were not even to my address, so again was failed to be notified.
All that I am asking if that this be removed from my credit bureau 's and will be happy to provide the payment then. I do not want it to show as a paid collection, it should be removed entirely. XXXX keeps stating it is the responsibility of ERC Collections to do this where as ERC Collections states that XXXX is responsible for this. Please help me get this issued resolved. It will also be a way for XXXX to collect their money and prevent any more time for their reps and mine wasted towards this matter.
Even though my account is registered in XXXX and has a XXXX number ( # XXXX ( -XXXX ) ), my cell phone plan is from XXXX. If I call in to their toll free number XXXX after typing in my XXXX area code account number it still groups me with their east coast line which states their call center is only open until XXXX EST and to call back again. I work here in XXXX until XXXX PST and call after I get off of work. If I call the store here in Arizona on PST they can patch me in to their west coast line to be connected. On XXXX I had to call XXXX different stores multiple times to get someone available in order to patch me in with their customer service. I had a total of 24 phone calls for 374 minutes and 1 store visit to resolve this and have not had any assistance to get this done. Please help me.
Thank you!
XXXX XXXX
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| 03/25/2019 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION ) ENHANCED RECOVERY XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : Your office has contacted me about a debt you claim I owe but which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I do not believe I owe, and to request that you validate it by providing the documentation and information requested below. This is not a refusal to pay, but a lawful notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ) that your claim is disputed, and validation is requested.
Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
Accordingly, please provide me with the following : 1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents with my wet ink signature, that prove without a doubt I agreed to pay what you say I owe ; 4. Identify the original creditor, the original date of the account and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process.
I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I know that because I have disputed this debt in writing within 30 days of the date of your bill, you must obtain verification of the debt against me and mail these items to me at your expense.
Additionally, you can not add interest or fees except those allowed by the original contract or state law. While you are not required to respond to this dispute, any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act.
Also, be advised that I am keeping very accurate records of all correspondence from you and your company, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX.
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Therefore, if you have already reported this debt to any credit-reporting agency, such as XXXX, XXXX or XXXX, then you must immediately inform them of my dispute with this debt.
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Thank you for your cooperation, XXXX XXXX ; XXXX All rights reserved
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| 12/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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I filed a previous claim with CFPB ( Case # : XXXX and XXXX ) on XX/XX/2016. I have received another letter from a different debt collector regarding the same issue. The debt collector is ERC. The initial claim stated : I agreed to a one year bundle package with XXXX XXXX with a specific guarantee of quality of service. Specifically, I required a specific upload/download speed for my broadband connection in order to connect to a government XXXX connection in order to telework. At no time did I speak with a XXXX person until the technician arrived to install the equipment. The broadband connection routinely fell below the required speed to keep the XXXX connection which jeopardized my ability to telework. XXXX attempted to correct the issue, but all efforts failed. Consequently, I changed the provider of my bundled services. I contacted XXXX and advised them I was cancelling my service due to the above issues. I was informed I would pay an early cancellation penalty since I did not keep the service for the two year period. I informed the Customer Service representative I did not commit to a two year agreement and this was the first I was hearing from them. I did not receive any correspondence from XXXX at the time I agreed to the service with the XXXX representative. I received monthly bills from XXXX. I contacted XXXX several times after I cancelled my service to get an explanation to the charges. I returned the equipment in the prepaid postage container, but was not credited for the equipment. The remainder of the balance was said to be " unpaid charges to XXXX ''. I asked twice for an explanation and received the same explanation. I was then contacted by a debt collector, XXXX XXXX XXXX , XXXX . I explained the situation to them ; however, they persisted with repeated telephone calls and correspondence. I responded to The XXXX XXXX with a letter providing the details and copies of billing statements from XXXX and XXXX. The XXXX billing statement showed no balance due. I received a response from XXXX XXXX along with a letter from XXXX. The letter from XXXX stated the XXXX and XXXX statements were integrated and XXXX and XXXX removed the integrated billing option ( which occurred shortly after XXXX XXXX XXXX acquired XXXX ). The letter when on to state, " The account balance includes XXXX charges which were unpaid by XXXX. '' I sent a subsequent letter to XXXX XXXX stating the collection of unpaid charges in between XXXX and XXXX. I requested XXXX XXXX stop all communication with me and with my address, and record that I dispute having any obligation for this debt. I informed XXXX XXXX that if they stop collection of the debt, and forward or return it to another company, to please indicate to them that the debt is disputed. Additionally, I asked if the debt is reported to a credit bureau, or already has been reported, also report that the debt is disputed. I did n't hear back from XXXX XXXX. About six weeks ago I received a telephone call from XXXX XXXX XXXX. I returned the call and asked what this was in reference to. The agent stated she need personal information from me before I she could tell me what this was about. I refused to provide them with personal information and asked them to forward written correspondence. I continue to receive daily phone calls with voice mail messages. One of which was very personal in nature ( I have a copy of voice mail ). This past week I received written correspondence from XXXX XXXX indicating the debt was with XXXX. In addition to phone calls to my residence, I now receive phone calls to my cell phone. When you answer the call, no one is there, the phone clicks, and you hear dial tone.
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| 03/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received collection notices from ERC Collections ( XX/XX/XXXX ) reference # XXXX due to a XXXX ( cable/internet ) for {$300.00} with XXXX # XXXX. I 've disputed this XXXX bill that was placed on my account since move-in date as I 've been calling XXXX since since XX/XX/XXXX regarding the internet service not working properly. I was told by various customer reps at XXXX that my notes/records of speaking w XXXX reps on internet issues/relocation fee issues have been erased and no longer on Comcast.I have photos of call logs, photos of internet not working properly and records stating my complaints to the XXXX building manager at the apt . The internet rarely worked. The internet disconnected by itself from network and most times it would not connect/reconnect. I lost plenty of work typing on the internet due to this as network would continuously/abruptly kick me off network. The network would just 'drop off '. The service was UNRELIABLE and therefore a breach of contract from XXXX. This was ongoing since start of my service on/about XX/XX/XXXX. On/or about XX/XX/XXXX, I continuously experienced issues with the service and I contacted the XXXX supervisor ( XXXX XXXX ) at my building ( XXXX ) letting him know the Internet is having issues, XXXX XXXX never returned any of my texts/voicemails. I contacted XXXX ( tech who installed XXXX ) and he stated for me to contact XXXX main number instead. I contacted XXXX on/or about XX/XX/XXXX and they ( overseas representative ) supposedly scheduled a tech to come out XX/XX/XXXX, but no technician ever came out to recheck the Internet connection/problem. On XX/XX/XXXX : XXXX XXXX ( XXXX supervisor of XXXX XXXX ) stated I would NOT be charged for relocating my XXXX service my old address to to my current address bc a technician needed to come to my unit to change the settings behind the panel ( it was set on XXXX initially ). Yet I received a relocation fee of roughly {$100.00} to my bill. I expressed this to XXXX on/or about XX/XX/XXXX of the fee and rep stated he could try to remove it yet it has NOT been removed.
XX/XX/XXXX : XXXX the tech came to my apt to install XXXX box bc the XXXX required tech to switch panel box. XX/XX/XXXX, I called and texted XXXX and XXXX the internet keeps disconnecting and neither helped. I called XXXX and the overseas rep stated a tech would be at my unit on Sat XX/XX/XXXX but NO tech came out, called or showed up. I have an email showing appt was made. I also disputed no service tech came out again and the XXXX agent stated there was no record of anyone scheduled, however I have an email stating a tech was scheduled to come out. I also submitted a XXXX online chat but to NO help. In XX/XX/XXXX, I called XXXX letting them know no service tech ever came back out and that I was still experiencing connectivity issues and that I will not pay for services I am NOT receiving and that this is breach of contract. XXXX ( cust rep ) said he would remove relocation fee but never did. I also told XXXX to disconnect XXXX totally as this was violating the contract/services NOT working! XXXX continued to bill me from XX/XX/XXXX-XX/XX/XXXX despite network services not working properly. Please remove this amount and pls contact XXXX and END the collection notices and end the XXXX Attempts. This is harassment. Please have XXXX contact me so that I may dispute this incorrect bill of which I was billed due to breach of XXXX. I have submitted a complaint on XXXX to FTC as well. Please remove this charge as it was evident comcast intentionally and continuously billed me for services not working properly. This is completely fraudulent from XXXX and ERC.
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| 06/19/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX : Account # XXXX ; XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 07/05/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 09/30/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, my credit monitoring services told me about a collections action registered against XXXX for {$59.00}. Aside from the fact the collections agency 's number in the filing ( ERC in XXXX, FL ) was not working, I searched the internet and found them. After contacting them they immediately had my current address and the address of one of my businesses and claimed that I had an unpaid bill of {$59.00} to XXXX XXXX XXXX ( now XXXX ) from XXXX!
I then called XXXX ( which I have an active account with, meaning they know how to find me. They found my current account and they claimed the bill was for unreturned equipment from my previous account in a house I moved out of in XXXX. I had returned the equipment, in fact I simultaneously canceled my account in person while I was returning the equipment.
My main issue is that I have had XXXX XXXX accounts in several places ( XXXX, TX, and a current one in XXXX, TX ) yet the first information I get regarding this almost 7 years old alleged issue is from my credit reporting service. As well, the credit reporting agency IMMEDIATELY recited my current home address to me when I Called, yet sent no notice via mail before reporting this to XXXX. Additionally, XXXX confirmed with me that they had both my telephone number and my address at my XXXX account and again no attempt was made to contact me.
As well, after I had closed the account, I rented my house for 1 year after, and my tenant was very dutiful in giving me any mail that arrived at the house in my name. And at no time did I receive any mail regarding this.
XXXX claims they are going to search for this device as it may " not have been scanned in '' as they claimed, but this account was closed in XXXX. At this point no attempt had been made to contact me regarding this issue and now this exists on my credit report at a time when I would like to refinance my house.
It also seems that a New York congressman wants an investigation into this very practice of XXXX : https : XXXX So it seems this is a growing concern for more people than just me.
I am an honest person and have well over an 800 point credit score. I have had forwarding addresses for my mail and they even admit they know my address and phone number. It is egregious and reprehensible that I would be notified of an issue from XXXX by a collections action on my credit report with no earlier attempts to notify me of an issue in light of these facts.. especially when the XXXX rep I spoke with said they would not have let me create a new account in XXXX unless I had resolved the alleged unreturned equipment issue. Now it will most likely take many hours of my time to resolve this and expunge the record from my credit. For some reason, it doesn't seem likely I will receive compensation for this, and if I demanded this and they didn't pay I don't have the ability to place this on THEIR credit report.
The statute of limitations for debt collection is 4 years in Texas usually from the last payment that was made so it is illegal for there to be a collection action almost 7 years after their failure to notify me in a timely manner of an account that was closed in XXXX. If I can not get this removed from my credit report ( which erroneously states the debt was owed in XX/XX/XXXX ) this will depress my score for 7 or more years and seriously impact my ability to use credit facilities and could quite likely be an actionable position as I could incur financial losses due to this.
I have attached the collections information from my XXXX credit reporting account including the disconnected number for the debt collector ERC.
|
| 01/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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ERC reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt ERC say I owe you. I am requesting proof that I am indeed the party ERC is asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform ERC that if their offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by ERC or the company you represent, I will not hesitate in bringing legal action against ERC and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put ERC in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to continuing filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If ERC fail to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that ERC and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for ERC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
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| 11/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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You are also reporting a open status on a account that is closed please validate this information and DELETE IMMEDIATELY Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
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| 04/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Back in XXXX I reviewed my credit report because I was interested in purchasing a home and noticed there were several inaccuracies that needed to be addresses. XXXX of the inaccuracies was an XXXX collection that was being reported by Enhanced Recovery Corporation. It said there was a {$350.00} balance on an account that was opened in XXXX 2014 and reported as a collection in XXXX 2014.
Because I did not owe XXXX any money since I did n't have service through them I disputed the account with the XXXX credit bureaus. The bureaus responded to me saying that this account was " verified '' and would be remaining on my report. Because of this so called verification done trough the credit bureaus and me not knowing what the next step to take was, I hired a company to call the collection agency directly and obtain this so called proof.
I was present during the call to Enhanced Recovery Corporation and heard everything that was said through the speakerphone. Enhanced Recovery stated that it was an XXXX XXXX XXXX that was opened in 2014 and that a bill was left unpaid. I notified them trough my representative that I in fact did hire XXXX to provide me with XXXX XXXX. The very same day that I received the equipment and it was installed, I was told by their service technician that it was not going to work because XXXX was not able to provide a signal and therefore there was no service in my area. That very same day I returned my equipment and cancelled service with XXXX because they could not provide me with Service.
I Have never been notified of any bills or collections by neither XXXX nor Enhanced Recovery Corporation nor have I received any phone calls about this debt. Because of this I notified Enhanced Recovery that I was disputing this account and that under the F.D.C.P.A. they had 30 days to provide validation of the debt as well as itemization on the charges. They have failed to provide any documentation and neither me or my representative have received any communication on this whatsoever.
After the 30 days my representative spoke with ERC and their collector by the name of XXXX XXXX. Not only did they not provide us with any documentation, they wanted us to re-dispute the account to receive any documentation. When my representative informed her that under the F.D.C.P.A. the 30 days was already up and they either had to provide documentation or stop collecting the account for failure to validate she said this verbatim, " I am a debt collector and I do n't know about the F.D.C.P.A. '' At that point my representative asked for their supervisor and spoke with an XXXX XXXX. XXXX XXXX seemed reasonable and understood the situation. he gave us instructions to e-mail their compliance department at XXXXXXXXXXXX. He stated that we would get notified within 72 hours about getting thsi removed from the report. 72 hours later we do n't get a response ...
My representative called in after the 72 hours and now we are being transferred around and getting hung up on. They are claiming that they have XXXX offices and therefore they do n't know what 's going on or who needs to be spoken to about this. Worse it 's been 7 days since the e-mail and I still have not received any documentation or phone calls regarding this debt but they are still collecting it and credit reporting it which is against the F.D.C.P.A. and F.C.R.A.
At this point you are my last chance of resolving this amicably before I file a lawsuit against them for their multiple willful violations and fraud. Please assist me in getting them to do their job properly and stop collecting invalid debts.
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| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : XXXX Fair Debt Collection Practices Act : XXXX : XXXX CREDITOR CONTACT INFORMATION : ENHANCED RECOVERY COMPANY P. O. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX : : : : REFERENCE NUMBER ON PAYOFFS : {$520.00} & {$91.00} RERSPECTIVELY COVID RELIEF, AGREED UPON COLLECTIONS DELETION. DELETE BOTH ITEM IMMEDIATELY!!!
Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the XXXX timeline is valid, and my account, if showing a late payment within that XXXX timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 03/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX For XXXX XXXX XXXX XXXXLast Reported XX/XX/XXXX Collection Agency ERC Original Creditor 11 XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$490.00} High Balance {$490.00} Remarks Placed for collection This is not my account check your records I do not have this debt. I live in AZ Not Calif.
Notification of Identity Theft to Financial Institution and Credit Grantors XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX/ERC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Fraud Department : Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. ( Check all that apply ) : Please place a fraud alert on the account number referenced at the top of this letter.
My address was fraudulently changed. Please refer to the correct address at the top of this letter and make all appropriate corrections. The address above has been my correct address for years.
My checks were stolen or lost. Please close the account and open a new account in my name with a new account number.
My credit/ATM/debit card was stolen or lost. Please deactivate the card, close the account and open a new one in my name with a new account number.
There are certain account activities/charges on my account which I did not make. I have highlighted these fraudulent charges on the statement ( s ) attached. Please remove these charges along with any finance charges or other charges related to the fraudulent activity. Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information.
I would like to have my account " password flagged ''. Please provide me with the appropriate contact and procedure for having this done.
X The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX Please note that I notified you as soon as I learned of the fraud and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately close the account ( s ) and inform the Credit Reporting Agencies that it was fraudulent and that it should be removed from my credit profile. Do not sell or transfer any debts related to the fraud and do not turn these accounts over to a collection agency. Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct any errors on my account and provide me with an accurate statement of my account.
Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : 1. The address, phone number and password for the fraudulent account opened.
2. The original application and/or forged signature or electronic information.
3. All copies of billing statements and any other correspondence related to this account.
4. Any other information regarding this account.
5. Any fingerprints, photos, or video of the impersonator.
6. Application records or screen prints of Internet/phone applications.
7. Payments/Charge Slips 8. Investigator 's Summary - electronic or otherwise 9. Delivery address 10. All records of phone numbers used to activate the accounts or used to access the accounts.
11. Any other documents associated with the account.
Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience. If you have any questions, please call me at or.
Sincerely, XXXX XXXX
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| 12/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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JUDICIAL NOTICE IS HEREBY GIVEN : Your office has listed a debt on my credit reports you claim I owe. Which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I know I dont owe, and to demand that you validate it by providing the documentation and information requested below.
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Accordingly, please provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification and or copy of any judgment ( if applicable ) ; 4. copy of and or proof that you are licensed to collect debts in PENNSYLVANIA and or NEW JERSEY ; 5. proof of the last payment made on the account.
6. Itemized statement of charges.
7. Original contract between creditor and XXXX XXXX of the family XXXX correct wet ink signature.
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt.
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.
Thank you for your cooperation,
|
| 01/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ERC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone number ( XXXX ) XXXX RE : Account # XXXX {$870.00} To Whom It XXXX Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 07/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XXXX allowed my mother XXXX XXXX to open an account with two phone lines with new phones. The information I received said it was completed in XXXX, They did not ID my mother or take the correct action to verify her information as she used my social security number. If they had asked for verification ( like an ID/drivers license/social security card etc. ) of the information they would of known it was fraud as her ID does not match since her name is XXXX XXXX and not XXXX. I did not find out about this account until after it happened in XXXX when I tried to get an apartment after graduating college and they told me I had an outstanding debt with a phone company. I have just now switched to an actual carrier, which is XXXX. I had a prepaid phone through XXXX XXXX for years, ever since middle school. I moved out of XXXX XXXX in XXXX and never moved back. I have been disputing the addresses that have come up on my credit report due to her stealing my identity as this is not the first time. There are two police reports filed with the XXXX Police Department. One report is for this identity theft case and one for another identity theft case with a different phone company, since I am in XXXX I didn't have the ability of doing anything regarding charges. I have been having some problems removing the addresses from my credit report but I am still trying to complete the update. Upon calling XXXX at the time of finding out what my mom was able to complete with my information to inform them it was fraud and that I didn't complete this. They told me I was still responsible even though this company did not do their due diligence to gather the correct information to open this account. I was informed that since I had called about and the information matched that I was the owner of the account. That the account was set up online and no additional verification was completed and that they didn't see my mom stealing my information as fraud since she is my mother. Well not all parents and children get along and me and my mother do not get along. We have not spoken in a very long time and at the time of her completing this we were not speaking and she did not, I repeat she did not have my permission to open this account. She has a habit of starting phone lines and getting overwhelmed by the balances and then stops paying them, she has been doing that for years, why would I slow her to use my name and information like that? To start a phone line and not pay it so it can end up on my credit not hers? Why would I slow her to do that when I'm trying to start my life and need my credit. I started my XXXX account in XXXX, I have lived in XXXX since XXXX, XXXX from XXXX in XXXX XXXX and then XXXX XXXX, then XXXX XXXX in XXXX, then XXXX XXXX XXXX in XXXX XXXX and I now stay in XXXX XXXX XXXX XXXX, my leases can be checked and verified with then. I shouldn't have to pay a bill for {$810.00} and then another for {$180.00} if I am not the one that started or opened the account. XXXX needs to take ownership of the fact that they didn't complete what they were supposed to while gathering the false information, the representative stated the account was opened online and that they didn't ask her for further verification, and they did not check her information, they just accepted it and let her open the account. I have disputed this with XXXX and from my credit several times, it's been long enough to where it was supposed to be removed as well but hasn't. It feels as if this company was and is only concerned about getting money even from people that are not responsible.
|
| 03/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
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TO : Sen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX ATTN : Rev. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau ( C.F.P.B. ) XXXX XXXX XXXX XXXX. Washington, D.C. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX : Rev. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. Date : XX/XX/XXXX Sir/Madam XXXX has admitted that my credit file has been breached. XXXX breach goes back for years. I know! XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX XXXX XXXX. They dont care who they XXXX over to save their brand. I am a licensed XXXX XXXX in the State of Georgia. Thieves are using my information all over Georgia with impunity. I have been targeted by criminals starting over four years ago. Earlier this year someone got a XXXX card in my name. They did an address change first, then got the card. XXXX XXXX XXXX are still with this trickery and foolery. I need to know what could be done to XXXX XXXX XXXX criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. That account is fraudulent. I have three family members named XXXX XXXX. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were XXXX-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans, and XXXX XXXX XXXX XXXX. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this XXXX XXXX XXXX member. Please? I am filing this complaint because they made a threat against me. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX XXXX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report. My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in XXXX. I will include my deed to my house. However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia. I am resolved to the fact that XXXX XXXX XXXX is a mafia and a gutless wonder! Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? I have faxed my credit report, two police reports, and F.T.C. fraud affidavit to your assistance. XXXX XXXX XXXX has a copy of the same information. They are too stubborn, and they are too crooked to satisfy the consumer. They are too more concerned about XXXX XXXX XXXX brand at the expense of Veterans. Sir/Madam this company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers,
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| 09/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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To whom it may concern : XXXX previously tried to collect a debt from me regarding a breach of contract I never agreed to ; While residing at the XXXX XXXX XXXX. address I entered into a contract with XXXX that was approximately from XX/XX/XXXX and ending approximately in XX/XX/XXXX ; upon relocation to XXXX XXXX located at XXXX XXXX XXXX XXXX a 3rd party service provider at the apartment who provided an alternative service to using the dishes provided by XXXX called and modified my contract with XXXX without my consent. When I recognized that I was no longer paying XXXX the amount we had initially agreed upon I contacted XXXX and explained to them that I never agreed to the new contract in which they were billing me for and they changed my bill to the originally agreed upon price. Later when the contract I signed and agreed to came to an end I canceled my service with XXXX and they then claimed that I was under a new contract that began XX/XX/XXXX and ended XX/XX/XXXX. I was under the impression that this dispute was settled XX/XX/XXXX after having continued conversations that were supposedly recorded with XXXX, during these conversations XX/XX/XXXX they made claims that the equipment was returned but that I owed additional monies because of something related to the returned equipment-they have since changed their claim to state that I never returned the equipment to them now, both statements made by them regarding this are erroneous. In Addition, they still are making the claim that I breached contract but have since " waved '' the fee to a breach of contract and refuse to acknowledge that I was never under said contract ; I believe they have used this play on words to try and create confusion and twist the issues at hand.
Now I 'm being told by XXXX that " On XX/XX/XXXX we adjusted the early cancelation fee from the account so I was not charged for early termination ; the balance of XXXX was for unpaid service and unreturned equipment. '' Ultimately XXXX is now claiming that I 'm being charged a fee for XX/XX/XXXX and XX/XX/XXXX bills because I did not cancel service with XXXX, this also is a lie because I canceled my service with XXXX when the original contract I agreed to ended and subsequently returned their equipment to them. Furthermore, previously claims made by XXXX regarding the bill in which they claimed I owed them money included erroneous statements that something related to the equipment they received required additional charges to me in which case I disputed and believed to be settled.
Now over 6 years later, after XXXX XXXX XXXX has purchased XXXX, I now again am having to deal with this fiasco but the reasons in which I owe money to XXXX has now since changed and/or have been perverted in a way so that they can try and collect a debt that seemingly is being fabricated and does not coincide with their initial claims. In short they seem to change and twist their reasons regarding the supposed debt, waive fees for erroneous agreements I did not sign or verbally agree too in order to create confusion, hold me accountable for service I did not have and had previously canceled after the end of my signed agreement and now are making claims that I never returned their equipment after previously acknowledging receipt of said equipment and claiming additional charges regarding the received equipment. I feel that they should be held accountable for their actions and attempts to manipulate the situation through time, twisted wording and tactics to confuse the situation into their favor.
Sincerely, XXXX XXXX XXXX
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| 01/25/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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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.
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| 09/13/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American, Servicemember |
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I am Submitting a formal Complaint to XXXX in reference to XXXX XXXX XXXX telecumunication Cell phone provider Under the Fair Debt Collection Practice Act.XXXX XXXX XXXX whom I had prior Service original date XX/XX/XXXX to approximat date of termination XX/XX/XXXX.because of the excessive charges and overcharged on monthly service, I terminatated my service with XXXX XXXX XXXX I paid off my last outstanding Bill of {$390.00} which I believe was incorrect, on XX/XX/XXXX new charges were XXXX at {$830.00} I have Documents as proof and will submit to CFPB moving forward to XX/XX/XXXX I contacted XXXX XXXX XXXX and disputed the excessive overcharged XXXX XXXX XXXX ignore my formal dispute approximately two years went by and on XXXX XXXX XXXX, I received a Collection Letter from XXXX XXXX XXXX Company XXXX XXXX XXXX FL XXXX for the amount of {$830.00} an Unvalidated unverfied Debt that the Unvalidated Acct placed for Collection and if I didn't pay within 30 days they will report to the 3 CRAs Repositories the bad debt on XXXX and XXXX I sent ERC Collection a Certified Validation Letter to dispute charges ERC Receipt my dispute and again failed to validate acct under the Fair Debt Collection Practice Act I needed complete Validation as legally requested I have Documents to submit according to FDCP 15U.S.C.169g of the FDCPractice on or about XX/XX/XXXX I received letter again from ERC and ERC wanted to Settle unverfied debt before they post negative to Credit bureaus two weeks past I received notice from Credit bureus that a ERC posted Derogatory remarks and Collection dropping my good credit score XXXX points! this has done Great intentionally damage to my credit score and intentionally act by ERC Collection Company whom were not in compliance with Validation Rules implented by the Fair Debt Collection Act and practice.I am absolutely certain that the items I Disputed were incorrect Unvalidated I am excercising my rights Under the FCRA 611 ( a ) ( 7 ) .to validate and received complete Description If any action which is considered detrimental to any of my credit reports ERC Fragrantly continued to place this Collection activity unverfied acct knowing well Creditor furnisher never implemented or Legally Verified these erroneous Accounts I will consult with with legal counsel and if ERC fails to Delete these Derogatory Mark 's I am a Latigous person and will pursue litigation in the interim further more I am a XXXX Military retired Veteran who has work very hard in established good Credit I have previously sent my Second Letter to ERC to validate the debt they claim under the FCDC Act and all I received was an itemized list of aledged charges they claim this does not meet Federal Trade Commission guidlines of what constitutes proper Validation under the guidlines and procedures when a Furnisher provids information to CRAs to insure the accuracy of informattive they post and is 100 percent accurate they most establish and implent written policies and procedures regarding the accuracy and integrety of informattive they furnish to the CRAs and Guidlines FCRA Section 623 ( a ) ( 1 ) ( c ) and ERC did not conform to these standards please note I have also received phone calls and Predetory messages in an attempt to collect a debt I believe was never legally Validatted in Violation of my privacy rights to sumerise I do hope by posting this negative action by a collection agency ERC that I am formally demanding to excercises my rights and delete this Derogatory action from my Credit report Defamation action by ERC .thank you.
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| 07/25/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ERC XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 07/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Enhanced Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
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| 07/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validationof the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws.
Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate inbringing legal action against you and your client for the following : Violation of the Fair Debt CollectionPractices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must ceaseand desist. Also, during this validation period, if any action is taken which could be considereddetrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number.
Address on file for alleged debtor Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
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| 01/20/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Creditor Information ENHANCED RECOVERY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Re : Acct # UNKNOWN To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE {$810.00} TO YOUR THIRD-PARTY DEBT COLLECTION COMPANY. This is a formal notice that your erroneous claim ( s ) is/are now disputed.
I am stating that this debt is not only not mine, but your company also has no legal right to attach it to my name. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
I am asking for proof of the original contract between myself and the original creditor with my true signature and a qualified employee of that original creditor. I want proof you have the full accounting of the original debt and to provide proof of the assignment or the purchase they made from the original creditor.
Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature?
Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : 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.
My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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On XX/XX/XXXX I received a notification of a change in my credit report. I checked credit XXXX thru XXXX XXXX and found Enhanced Recovery reported a collection for XXXX XXXX. I called the company number listed on the report and the number stated voice mailbox is full. I did some research and found another number XXXX and spoke to XXXX XXXX desk # XXXX at XXXX XXXX on XX/XX/XXXX. I asked what this was about and she stated it was for XXXX XXXX in the amount of {$210.00}, stated went delinquent XX/XX/XXXX and was sent to collections on XX/XX/XXXX. I advised I never received any communications from Enhanced Recovery in regards to this debt. XXXX stated the debt has been thru 4 other collections agencies and Enhanced Recovery was hired on XX/XX/XXXX. I asked if they tried communicating with me, they stated they called and also said they NEVER sent any mail correspondence to me, they admitted this and they did record the call. I asked for their policy and regulations in regards to collecting a debt because they just obtained this account on XX/XX/XXXX and was reported to the credit reporting agencies on XX/XX/XXXX, they had the account for 52 days and on the 53rd day, they reported to the credit bureaus.
I asked XXXX for the phone number they stated they called from and the number they supposedly have for me. I asked them how can they even think that making phone calls will be a sufficient type of contact if there are millions of phone call scams in the nation daily. She would not provide me any of this information, she stated i would have to send an email to XXXX. I did not accept that as a solution to my problem or the fact that they will not answer any of my valid questions.I asked to speak to a supervisor, she insisted on the email, I insisted on a supervisor. I was then transferred to an agent named XXXX ID # XXXX.
I advised XXXX of the situation and asked him the same questions. I asked for the number or numbers they are calling from, says he is unable to provide this information. I asked for the number they were calling and he read out my phone number, so I then asked when did they call me because I now need dates and times of the calls and the phone number they called from. I advised once that information is provided to me, I will be contacting my Phone carrier and verifying the phone number they called from and the dates and times. He said he is not able to provide me with this information. I asked why they never sent any written correspondence, why did they have the account for 52 days and went straight for the credit bureau? I asked for the policy on their practices in regards to communicating with the consumer and their policies in general. XXXX placed me on hold and stated that this is their first attempt and since the account was put in dispute by XXXX, he has no information to provide. I advised as this is not even their first attempt to communicate with me as I was the one that initiated this call, not them. I asked him if I was speaking in English because he is not answering any of my questions or willing to provide any concrete evidence of their communications with me and not willing to provide their policy. XXXX placed me on hold for about 15 minutes and said that he has closed the account and will have this account deleted from the credit report but will take 5-45 days, I asked for a letter in the mail stating as such and XXXX stated the letter also takes 5-45 days. This is too long as this has affected my credit score severely.
|
| 04/10/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
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| 04/07/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2016 I went to XXXX store with an unlocked XXXX cell that I owned, the phone didn't have a balance on it & wasn't connected to any XXXX account. I requested prepaid cell service for the phone. The XXXX associate told me prepaid service was available. I asked repeatedly if it was a contract, the representative assured me it was a XXXX prepaid cell service. This cell phone service was intended for my teenage daughter. I asked the XXXX associate " If, for example, I were to not pay for an upcoming month of service due to my daughter had got in trouble & her phone was to be taken away as a punishment, will there be a charge for that? '' I was told " No, there would be no charge ''. I then asked " When my daughter is free from her punishment, do I just need to go buy a XXXX prepaid refill card to restart her cell service? '' I was told " Yes, that is correct ''. I was then asked if I wanted insurance on the cell phone, I denied the insurance coverage. Before I left the store I paid for a cell phone charger, 2 months of " prepaid cell phone service '' & the phone was activated. I then went to XXXX XXXX at XXXX XXXX & bought a {$30.00} XXXX Prepaid Refill card to use when the 2 months of paid service expired. Of course my teenage daughter got in trouble, so when it came time to use the XXXX Prepaid refill card I didn't load the card on the cell phone. Once my daughter finished her punishment I tried unsuccessfully to load the XXXX Prepaid refill card on the cell phone. I called XXXX & the representative told me she didn't know why the card wouldn't load, but instead I could pay over the phone to reactivate the cell phone service. I payed the amount required over the phone with the representative. Within 2 weeks the cell phone service stopped working so I called XXXX. I was informed I owed {$120.00}!!!???!!! When I asked what the charge was for I was told the amount was for late fees, disconnection fees, re-connection fees, & insurance fees on the phone. I explained it was a prepaid account & I had refused insurance on the phone so these charges weren't valid. The representative told me this is NOT a prepaid account and that insurance was in fact on the phone. I was in disbelief & very angry! I went to a different XXXX location & asked them to pull up my information. The XXXX store associate accessed my information from the XX/XX/2016 transaction at the original XXXX store I activated the cell service at. I personally viewed computer generated " paperwork '' that stated the service was a contract & cell phone insurance was accepted. The form had been revised three times & electronically accepted. There was a time stamp on the revisions, all of which occurred AFTER I had already left the XXXX store. There was only one XXXX associate in the entire store the day I activated the cell service. After I left the store that day, the associate fraudulently created new forms & electronically accepted these fraudulent forms by using my name as the one to agree to the terms he created without my knowledge or permission. I have contacted XXXX on more than one occasion regarding this fraud. I have insisted this charge be removed & the XXXX associate who opened this fraudulent account be reprimanded or fired. I have been cursed, put on extended hold, and eventually hung up on every time I have tried to resolve this matter with XXXX over the phone. XXXX recently placed this fraudulent account in collection on my credit report in the amount of {$220.00}.
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| 02/09/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This is matter was addressed and a complaint was filed when 2 other companies harassed me for the same debt in a collections portfolio of {$610.00}. My personal and private information has been thrown around between companies. Those cases were closed on XX/XX/XXXX, and XX/XX/XXXX, I've attached those files to those cases. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent a letter of validation to which they have failed to respond to. Not only is it 1 company disputing the same debt in collection but it's 2 different companies disputing it in different credit bureaus. I am filing this complaint as a last resort before I reach out to my attorney.
This is in response to the numerous calls I have received from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
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| 03/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XXXX XXXX, 2014, a XXXX - XXXX - installed an alarm system and cable system, in my apartment at XXXX MD XXXX. The alarm package was called a XXXX. On a early morning, around the second week of XXXX 2014, at around XXXX, I received a phone call from the alarm monitoring service that they received a panic alarm ; a medical alarm and a burglary alarm at my apartment. I was at work at this time. I did not know what was going on because I was the only occupant of the apartment. When I got to the apartment, my door was broken in. The neighborhood security officer was waiting inside the apartment to secure my belongings. I was told that the fire department received a call about the smell of gas and broke the door down. There was no work order left from the fire department. The apartment management charged me {$600.00} + dollars for replacing the door. I refused to pay the {$600.00}. I left my home at XXXX the night before the break-in. The break-in occurred nine hours later. There was no way for me to have left the stove on for nine hours and no one spelled gas until nine hours later. The fire department was in that building every week for this issue, because one neighbor kept calling concerning the smell of gas. I was home each time they came and it was never my apartment. So happens, I am a way from this apartment and my door gets broken in. The apartment management had me in court XXXX and XXXX 2014, under disguise of nonpayment of rent, to try to collect this money. Each time the case was dismissed because I had my rental receipts. I decided that I had, had enough and was not going through this in XXXX of 2014. I moved out of that apartment on XX/XX/2014. I moved to a XXXX. I did not have the time to search for another apartment. This hotel was already equipped with cable, security and internet. I no longer had the need for the XXXX ; nor could I use that service at this hotel. Rental receipt for this hotel will be attached. I informed XXXX by telephone to discontinue the service, the last week of XXXX 2014. I explained everything to several XXXX personnel. I could not give them a thirty day notice, because I did not know 30 days in advance of this move. I informed them as I packed everything to move. I returned the Boxes ( alarm, cable, touch tablet etc. ) the first week of XXXX ; a week after I moved. This Issued Boxes Returned Boxes receipt is attached as well. The print out of this receipt was not clear. I asked the clerk to reprint it and she stated that the system would not allow her to reprint the receipt. She therefore, wrote the numbers to the side of the printed numbers. The last bill that I received from XXXX, at the apartment, was dated XXXX/XXXX/14. That bill was for the amount of {$220.00}. I moved out six days later. A copy of this bill is attached. I received another bill from XXXX, Billing Date on XXXX/XXXX/14. This bill shows that effective XXXX/XXXX/14, all services was removed. This bill reflects the Early Termination Fee of {$1000.00}. On XXXX XXXX, 2014 a letter was sent to me from XXXX stating that they was continuing my service until XXXX, 2014. This letter was misrepresented after all business ties with XXXX had been ended and acknowledge from XXXX. No one even signed for this letter. XXXX has placed a fraudulent credit limit/account due/payment due of {$2000.00} on my credit report. I want this removed. I want the amount that was placed on my final bill of {$900.00} to reflect on my credit report.
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| 08/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I received a missed call from phone number ( XXXX ) XXXX. I called back XXXX/XXXX/XXXX at approximately XXXX EST. I spoke with a female by the name of XXXX who first to identify she was speaking to the correct person, verified my address but it was an address that I lived at about 7 years ago in a different state than I currently live I became very curious at that point so when she asked if that was still my current address I was a little dishonest and said yes because I wanted to see where she was going with the call seeing she mentioned an address so old. She then informed me that the company she was with was ERC and they were attempting to collect a debt on behalf of XXXX XXXX XXXX. I immediately remembered that the only time I was involved with XXXX XXXX XXXX was when I attempted to get their internet service which was XX/XX/XXXX I tried to get cable service through XXXX which did not offer Internet service so the rep with XXXX informed they set up for internet through XXXX XXXX XXXX. A week later a rep showed up to install my satellite for cable and I also received my materials from XXXX XXXX XXXX for my internet service via XXXX the same day. Unfortunately the Apt manager said I was not allowed to have a dish installed and explained why. So the XXXX XXXX rep took his equipment back. I mailed XXXX their equipment back. Nothing was ever installed including the satellite and internet equipment For XXXX XXXX XXXX. I also called XXXX to be sure they understood what was going on and I was informed there was nothing more I had to do. As far as ERC the rep XXXX gave me the amount of the alleged debt that I owe and when I asked why XXXX XXXX XXXX is claiming I owe this amount her exact words were " I do n't know why '' I asked her why she was calling to collect a debt if she could n't tell me what the {$200.00} charge was for she then attempted to confirm the last XXXX of my social which made no since to do at that point in the call after I explained to her what happened with XXXX and explain that there were no services rendered by XXXX nor XXXX XXXX XXXX. At this point I 'm confused as to how a debt collector can call to collect a debt but ca n't explain what you are being charged for which is my biggest complaint. Also I have never received any calls or notices from XXXX XXXX XXXX nor have I received any notices from ERC. I informed XXXX that I am disputing the validity of the debt. She stated that ERC will be sending the account back to XXXX XXXX XXXX but that still does n't satisfy me and I do n't believe they are actually going to return the account to XXXX XXXX XXXX. I was continuing to speak with XXXX to reassure they will stop all attempts to collect and return this alleged debt to XXXX XXXX XXXX and she hung up on me. I was yelling or being rude to her. I also find it very unprofessional that they have their reps calling to collect a debt but ca n't explain what the debt is for. I really hope since the CFPB is cracking down on debt collectors, that this is one that actually catches their eye as something that should be investigated with ERC collections. I have also taken a look at their XXXX complaints they have had over XXXX and XXXX revolve around billing and collection issues, and if you read them you 'll see several complaints similar to mine. They making attempts to collect on debt and they ca n't even explain what the debt is for. Wow!!
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| 04/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have been attempting to dispute an XXXX account that is on my credit report since XXXX of this year. I disputed it because I have not had XXXX for 10 years so the fact that an ATT account was showing up on my credit report is impossible. When I received my results from the credit bureaus the results said that the credit bureaus verified that the information was accurate.
Once I received those results, I called XXXX to figure out why they were sending an account to collections when I have not done business with them for 10 years. I called their customer Service Department at XXXX XXXX XXXX XXXX and spoke with a XXXX who told me they did n't have any information on me and that I would need to call their collection department at XXXX XXXX XXXX XXXX. I did so and spoke with a XXXX. He looked up my information with my social and stated I owed {$0.00}. He then transferred me to their XXXX department to speak with a XXXX and she told me that I did at XXXX point have a collection but that it was sold many years ago and that she did n't even have any collection agency information on the account because it was so old. I asked her if the collection agency was named Enhanced Recovery Corporation and she stated that they do n't even do business with Enhanced Recovery Corporation anymore! At this point I decided to call the collection agency directly.
When I spoke to Enhanced Recovery I asked them why they were collecting this account if XXXX stated that I did n't owe any money and that they did n't do business with Enhanced Recovery. I was transferred to a Supervisor named XXXX XXXX and he informed me that they supposedly did do business with XXXX and that he would request something called XXXX to forward to me. He verified my home address and said that it would be 30 days. This conversation took place XXXX XXXX, 2015.
On XXXX XXXX 2015 I called XXXX XXXX and he said that XXXX was in fact received and that it was sent to my address and that I would be receiving it by mail. I waited until XXXX XXXX and I still did n't receive any letter so I decided to call XXXX XXXX XXXX more time to figure out what is going on and why I have n't received anything. Now I ca n't get a hold of the guy and I am being transferred from XXXX office to another and speaking with multiple representatives none of which can answer why they are still collecting this debt and credit reporting it on my report without any proof. They claim they have XXXX offices and they do n't know who I was speaking with. I have been trying to call them all day yesterday and today and they are now acting like I am the plague and wo n't give me any answers.
Because I have been dealing with this for over 3 months now I decided to investigate my options and have found out that this collection agency is in violation of a law called the Fair Debt Collection Practices Act by not validating this debt in a timely manner or removing it from my credit report. They are also committing fraud by claiming this account is verified to the XXXX credit bureaus. I am asking you to please help me with getting Enhanced Recovery to do their job right and remove this from my report. Their fraudulent placement of this account on my credit report has prevented me from buying a home and obtaining financing that I require. If this does not get resolved soon I will be suing Enhanced Recovery Corporation.
Please help me.
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| 11/08/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Enhanced Recovery Corp XXXX XXXX XXXX, XXXX, FL SSN # XXXX To Whom It May Concern, I am sending this letter to you in response to a notification I received from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX P.S. Keep in mind XXXX NEVER contacted me to notify me of any debt owed to them and when I called them on XXXX/XXXX/XXXX they said they were n't aware of any debt owed on my account, since I have not been their customer for over a year.
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| 02/06/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2017 I transferred my personal account into a business account with XXXX.
Unbeknownst to me with in-store agent did not transfer my devices from the personal account to the business account. A few months later I received a call from enhanced recovery. After speaking with the agent I figured out that this was a XXXX account/error.
I contacted XXXX letting them know that this was of no wrongdoing of mine and that this was a in-store agents mistake. They apologized and sent in a request to verify the mistake. I was told that I would be contacted within seven business days and was the first time. The agent told me that they still have no updates for me and that they would reach out to me again when there was an update.
Since then I have spoken with 13 different agents, four of them being managers all of which have not been able to handle getting my devices put onto my new business account.
I have kept a detailed log of all the agents I spoke with and on what dates along with their employee ID numbers. This has been going on now for almost 4 months where I have been calling trying to get the situation resolved.
I was told by one of the agents that their personal accounts department do not communicate with their business accounts department. I let them know that this was unacceptable and that I just wanted the devices to be put on the account so I could continue paying for them. I have never missed a payment nor has my account ever been in delinquency.
With me reaching out as much as I have it has now gotten to the point where I am being given the runaround and the exact thing that I was trying to avoid has happened. This now is on my credit and affecting my livelihood of being able to do business. Yes I still keep my current account paid up to date and I have not received a call back or any kind of help from any of the 13 XXXX agents.
I've gone back to the location where this happened and the location manager apologized profusely and is trying to help me get this resolved. But she too is let me know that once this goes into corporate they really have no control over what happened.
I've been a XXXX customer for over a decade, and this is very disappointing to discover that this is the way they treat loyal customers.
I have not asked for anything, or any freebies. Just as that they've fixed what they messed up and get this taken off of my credit so that I can continue working.
This has put a bit of a taint on my relationship with my banking institution and I am trying to rectify it on my end and find that XXXX is not being of any help!
I even tweeted the XXXX founder and CEO and still have not received a reply nor any managerial agents reach out to me to help rectify the situation.
I am in communication with the credit bureaus and they were the ones who referred me to this website. Hopefully this will shake them to wake up and take care of the situation.
Sincerely, VERY unhappy customer!
Below you will find a quick note version and straight to the point description of the situation.
The devices were not transferred properly or at all to the new account.
The creditor has recognize the internal error.
The account is not in collections.
The account is current and NOT in delinquency.
Issue exist from transfer between personal and business account depts.
Please verify all information and add proof.
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| 11/02/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The communication concerns a dispute with XXXX, their failure to provide a dependable and safe service Here are the facts that have been relayed to ERC and XXXX ( ERC is the collection agency for XXXX ) I purchased the XXXX XXXX XXXX phone in early XXXX.
The phone immediately started malfunctioning on the very first day I had it with dropped calls and horrible reception. I could n't drive while talking or turn my head The call would just distort and ultimately drop.
I ended up exchanging the phone 3 times because the reception was horrible.
After 3 attempts to get my service corrected on the premise that the phones were defective Neither of phones ever worked properly and all the while I was paying the bill for both the phone and the service. I met with XXXX representatives at 3 different stores and spoke to XXXX over and over by phone many times over the period of several months.
Time and time again they all told me there was nothing wrong with my service area / towers and the phone was functioning properly.
They said that " the phone I purchased was an inferior product '' and thats why I had poor service.
Another person told me that it was the location of where I lived but the phone didn't work no matter where I was.
I work in sales and my dropped calls and continuous terrible reception caused much embarrassment lost customers, lost sales, and non-participation in important meetings and webinars.
Then the phone began to get very, very hot and the service got even worse.
Finally, I was very frustrated with XXXX and told them that I was not happy with the service and the defective product that I had been sold.
I tried time and time again over the phone to get XXXX to help, so I could maintain the service of which I had been a customer with for over 15 years.
XXXX did not honor me as a long - time customer and refused to help me.
Each time I called I was given lip service by the customer service staff that couldn't even speak English and I became even more frustrated.
I am not responsible for these charges of XXXX due to no services rendered on XXXX part which includes the balance of the phone installment. The product I was sold and for which they claim I am I am in debt to them is defective.
The phone constantly was getting hot and almost ignited my pillow on fire. It's the same model phone that started catching on fire and blowing up all over the country.
The phone was clearly defective and very dangerous.
It caused me months of undue frustration, lost sales and embarrassment.
All of the above aforementioned information is factual and the communication data is with XXXX recorded customer call history. They record all conversations very quality assurance / customer service I contacted XXXX several times about this matter but they never offered any help other than sending me a bill for the outstanding balance on the phone.
I dont feel I am not responsible for these charges of XXXX since the phone they sold me was defective. Now ( XX/XX/XXXX ) the collection agency has reported the balance on debt to the credit bureau and it is effeting my credit. Thank you for you support and I hope you can help me in stopping this collection issue and have them remove the negative entry on my credit file. I was sold a defective and dangerous product that I should not be charged for. Thank you, Regards XXXX XXXX
|
| 04/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom It May Concern : XXXX XXXX account XXXX I am writing this letter in response to a notice sent to me from your organization on. This letter is not a refusal to pay, instead it is in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Please note that this letter is NOT a request for VERIFICATION that the account exists, instead, I am seeking VALDIATION that I have a legal obligation to pay you for the account referenced above under the Fair Debt Collection Practices Act. In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. An explanation of how the amount owed was calculated. Copies of any agreements signed obligating you to pay for the debt. Provide copies or other verification of any judgment ( if applicable ). Prove that federal and state statue of limitations applicable to the debt have not expired. Identify who the original creditor of the debt was. Provide verification that the collection agency is licensed to collect in my state. Provide their license numbers and registered agent. In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action.
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| 08/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
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I checked my credit report and there is a debt that was sent to a collection agency ( ERC ) in the amount of {$130.00}. The original creditor is XXXX XXXX XXXX, which was my service provider a number of years ago.
When I switched providers, I called XXXX XXXX XXXX to close my account and paid my balance in full at that time. I received an additional bill after that, and as soon as I received it, I called XXXX XXXX XXXX and inquired what it was for. I was told that me account was still open, and as such, I owed them that $ $ . I explained that I closed my account weeks before, but they stated they had no record of it and that the debt was valid. I made 1 more attempt to have this corrected, but was told the same thing. At that time I decided that they were not going to remedy the situation and I have not contacted them since. Upon checking my credit report ( s ), I found that this listed as a delinquent account that had been turned over to a collection agency ( ERC ) on XX/XX/19 and not paid.
I left XXXX XXXX XXXX a number of years ago, which was years before this was placed in collections. I had no idea it was on my report, and as well it shouldn't be. This is an invalid debt that XXXX XXXX XXXX states I owe ... .I do not ... .THEY WERE PAID IN FULL!!!!! I ensured that I paid the balance in full before parting ways with them ... .my balance was XXXX when I left. I was unaware that this was turned over to a collection agency until a month or so ago, and I've not contacted them ( neither XXXX XXXX XXXX nor ERC ) about this. In addition to this being a fraudulent charge, the date it was placed into collection was years AFTER I left XXXX XXXX XXXX. I disputed this debt via XXXX XXXX a month ago, but was told it was a valid debt, and would remain on my report as such. I'm not sure how XXXX XXXX validates a debt, but I think all they do is contact the company and ask them ... .no investigation was done at all, otherwise it would have been removed.
At this time I'd like this to be investigated by your agency. I believe this borders on criminal, in the fact that they're attempting to collect monies not due to them, which they're fully aware of. I'm requesting ALL contracts signed by me, ALL written and verbal conversations I've had with them and also the names of the employees who were supposed to close my account upon me requesting them to do so. I also request that you look at the date it says it was put to collections, and also have ERC provide all written / verbal correspondence I've had with them ( I never had ). Please have them also explain why the date is XX/XX/19 when this was opened by them ... ... years after this account was closed. I believe this an attempt by them to tarnish my credit, and is being done so blatantly and maliciously. Trying to collect a debt that is not owed is extortion ( I believe ) and should be addressed by both companies. I can not hire an attorney due to financial constraints, but if this isn't corrected, I'm going to lodge a complaint with the XXXX ( for both XXXX XXXX XXXX and ERC ) ... .I 'm not going so now as to give them the opportunity to correct this. A big company like XXXX XXXX XXXX should not need to extort money from anyone ... .it should be run professionally and without malice against someone XXXX dropped their service to go to another, better service provider.
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| 10/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I disputed a negative entry on my credit reports in XX/XX/2018. This item was listed by a collection agency and the information furnisher and credit bureaus were not able to verify the validity of the information and it was removed. I also disputed the information and requested an investigation under Section 623 of the FCRA with XXXX, who was listed as an original creditor for the information. XXXX did not initially respond and stands in violation of the requirements outlined in the FCRA. This was sent to a different collection agency who placed it back on my credit report. I disputed the information with XXXX XXXX XXXX and the credit bureaus, as it is not mine. I have never had an account with XXXX and no proof of any contract has been provided. XXXX responded many months later after the initial dispute in XXXX, and admitted that they do not have a contract I signed at anytime with them, but insists that this account belongs to me with no proof and refuses to realize an error has been made. The collection agency ERC has not even provided proof they were assigned or purchased the debt as requested. XXXX XXXX XXXX responded to my request for validation with a computer generated printout of the alleged debt that did not prove ownership of the account, which the FTC has issued an opinion that this does not constitute validity under the FDCPA. ERC did not provide sufficient information to verify the validity of the account as belonging to me, however continues to report this information knowing it has not been properly validated. The credit bureaus claim to have verified the information, but this is not possible due to the fact that the listed creditor, XXXX, did not respond and stands in violation of the FCRA, and the fact that the collection agency reporting the debt did not respond with sufficient information to constitute validation. The credit bureaus have not conducted a through investigation in violation of the FCRA. They have not detailed their method of investigation as requested. If in fact they conducted an investigation, which they did not, they would have discovered the information was placed on my report as an error and that there has been no proof of validity or required response from XXXX. The continued listing of this information is a violation of the FDCPA on the part of ERC and a violation of the FCRA by all parties named : XXXX, ERC, and the 3 major credit bureaus, who have not complied with these requirements. To add insult to injury, the collection agency ERC even wrongly noted my credit report that their reporting is accurate and meets the requirements of information furnishers under the FCRA, but it does not. These parties involved have been made aware of the dispute and violations of consumer rights via letters I have written and have been willfully non-compliant with requirements outlined in the FDCPA and FCRA. I have attached the letters I wrote to all parties involved to demonstrate the extent of willful non-compliance on all parts with regard to this matter. The responses given and lack of proper action by ERC, XXXX, and the 3 Credit Bureaus is an attempt to falsely verify the account, to invalidate my consumer rights and violations complaints, and to obfuscate non-compliance with federal statues ( FDCPA and FCRA ) that allow for those consumer rights.
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| 05/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : ENHANCED XXXX CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 07/31/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 07/20/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/2021 I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : ENHANCED RECOVERY CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX XXXX
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| 10/15/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This Account is the promotion of inaccurate reporting on my credit to damage my credit file violating my privacy, the unfairness of false credit reporting that is now fraud, because it is a lie, it is FAKE, I DO NOT OWE NOTHING WHATSOEVER TO XXXX XXXX XXXX WHICHEVER ONE WILL CLAIM TO BE XXXX XXXX XXXX OR ANY ENHANCED RECOVERY COMPANY LLC A THIRD PARTY VIOLATING MY RIGHTS TO FAIRNESS AND PRIVACY.
I have no business relationship with anyone of these so call XXXX XXXX XXXX this is for over five years. It is also where an account got twisted that fraudulently was created forcing me with my daughter 's account to pay all paid and ended with whichever XXXX XXXX XXXX 2018. My daughters account was connected to my old account and that was completely closed and paid in full 2018 under tax laws call DEAD ACCOUNT.
Now some XXXX XXXX XXXX who wants consumers to pay their debt want to falsely crate a collection company having ENHANCED RECOVERY COMPANY create false made up fraudulent balance from using a CLOSED over two years with BRAND NAME USAGE to fraudulently SCAM I XXXX and maybe many others to pay off their debt-THIS IS FRAUD WITH THIS PANDEMIC GREED HUNTERS FOR MONEY.
There is NO BALANCE of {$120.00} I HAVE NO BUSINESS RELATIONSHIP NONE WHATSOEVER with XXXX XXXX XXXX for any fraudulent collection company to violate Fair Credit Reporting Act ( FCRA ). This is a SCAM using dead accounts so it seems real and that is taking advantage where this is NOW identity theft because I have no business relationship with XXXX XXXX XXXX bank, or NONE SO TO SAY WHICH XXXX XXXX XXXX THIS WILL apply TO names of XXXX XXXX XXXX usage of BRAND NAMES, nor do I ever have any third party business relationship to/WITH Enhances Recovery Company C/O ENHANCED RECOVERY COMPANY # XXXX, XXXX XXXX XXXX XXXX, XXXX , FL XXXX, phone number ( XXXX ) XXXX - THIS IS A Third Party WHO LEGALLY has no jurisdiction WHATSOEVER UNDER THE LAWS to report my inaccurate information on my personal credit report, this is a Law suit that need Federal investigation.
BECAUSE IT IS HOW CAN any collection company JUST recreate false account for personal debt collection TO HELP THE PONZI SCHEME PAY OUTS to cover their own debt THEN XXXX XXXX XXXX XXXX WHOMEVER this is FRAUD. I AM been violated as it seem my name is on some Dark Web harass her she will pay so it is I am to always be SCAMMED. THIS IS A SCAM by XXXX XXXX XXXX and ENHANCED RECOVERY COMPANY.
No consumer must be violated by fake brand name users this mean the United States Borders are BREACHED, the infrastructures are BREACHED and there is no security for the people of this Country USA if a fake debt collection agency can create false debt using a brand name make it real force consumers in this PANDAMIC times to pay while they hunt, this is BREACH and a deprivation of My rights, My rights to freedom and life enjoyment because of FRAUD, GREED, and violations that is abuse. ENHANCED RECOVERY COMPANYXXXX XXXX XXXX need to remove themselves off my CREDIT REPORT. THIS IS A LEGAL CEASE AND DESIST WARNING TO XXXX XXXX XXXX AND ENHANCED RECOVERY COMPANY OF FLORIDA. A DEAD, THAT IS A CLOSED ACCOUNT WAS RECREATED THIS IS FAKE ACCOUNT NUMBER XXXX-CLOSED-DEAD-FRAUD. DOUBLE DIPPING TAX RIGHT OFF WHEN XXXX XXXX XXXX MERGED MEANS THIS IS FRAUD
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| 06/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/1968 I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : ENHANCED RECOVERY CO XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 11/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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COMPLAINT : XXXX XXXX as reported on XXXX [ only ] In XX/XX/XXXX I opened a XXXX account by purchasing my own flip phone. This was 8 years before the XXXX. I maintained my contract in good standing over three, 2 year renewable periods, 6 years total.
Then I did not need a cell phone anymore, did not renew, and signed up for what XXXX called a dormant account, which meant I could use the same phone number and voicemail only. No physical phone was involved. That was {$9.00} a month. At time of change from physical phone to voice mail only, I owed XXXX nothing, nada, XXXX. I never had, nor do I have now, any XXXX phone equipment. This is way before the XXXX, if you can think back that far in time.
I used the voice mail only account for approximately one calendar year, paid my final bill and closed the account. All was well and good. Done with XXXX. No need for a cell phone. I do not use phones for religious reasons.
Now 6 years later XXXX and the 4th place collection company ERC say I owe {$370.00}, which is crazy and impossible. I owe them nothing. When I disputed the debt to XXXX XXXX all I got was a bill for {$370.00}. They could not provide me written confirmation with a signature ; or any other proof I owe a debt. Now to make matters worse, instead of the time clock starting in in XX/XX/XXXX or XX/XX/XXXX, which is when XXXX allege the debt originated, ERC is claiming the debt started in XX/XX/XXXX. This incorrect reporting of alleged original debt date is violating the FDCPA, as is them reporting I have a debt at all.
XXXX & XXXX have removed the debt from my file.
XXXX refuses to remove.
I need to have the CFPB contact XXXX and have them remove this debt now. ERC is useless.
My credit report has XXXX entries, other than this alleged debt. The reason for this is I do not engage in debt in any way shape or form. This may seem strange to you, but for religious reasons I do not borrow or owe any individual or entity, money. I want my credit report to reflect this. I want a blank sheet of paper as my credit report.
Since I do not owe them money, and they have no proof I owe them money, the alleged debt should be removed. In the interim, the date of alleged debt should be reduced to XX/XX/XXXX or XX/XX/XXXX, as I am not sure what they claim I owe.
I would not have moved easily from the contract stage to the dormant stage if I owed them {$370.00}.
{$370.00} could not have accrued for 37 months at {$9.00} a month. These people are in a word, insane.
Also the 4th place collection firm ERC needs to be formally investigated as they are malicious in their reporting of the debt. Please take care of this and stop companies like this from thriving and preying on debt free religious citizens. Check on ERC, they are dirty nasty people who have no XXXX to guide them. Thank you.
TELL ERC TO SEND YOU A COPY OF A CONTRACT WHICH I SIGNED. CELL PHONE AND CABLE COMPANIES ALL USED TO USE SIGNED CONTRACTS TO BITE YOU LIKE A RAVENOUS VAMPIRE! ERC [ OR XXXX ] HAS NO SUCH CONTRACT. 2 OF 3 CREDIT BUREAUS REMOVED THIS FAKE ALLEGED DEBT.
I have XXXX credit and I do n't want any credit. I have no motive. I will never pay these dummies a penny. I have XXXX entries on any credit reports other than this alleged fake entry.
XXXX XXXX XXXX
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| 07/16/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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ERC is the latest collection company XXXX XXXX XXXX has used to take out a collection on me XXXX XXXX XXXX has violated the fair credit reporting act in the fair debt collection practices multiple times against me by having to open collections on me at the same time for the same account for the same account balance with different opening dates one is always active on my credit report while the other is always active on a piece of paper or nonstop phone calls where I am not being given information about what its,? ERC is the latest collection company XXXX XXXX XXXX has used to take out a collection on me XXXX XXXX XXXX has violated the fair credit reporting act in the fair debt collection practices multiple times against me by having to open collections on me at the same time for the same account for the same account balance with different opening dates one is always active on my credit report while the other is always active on a piece of paper or nonstop phone calls where I am not being given information about what its for, ERC placed a credit collection on behalf of XXXX XXXX XXXX on my credit report today XX/XX/2020 They sent me no verification of debt Or any verification whatsoever they place it on my credit report today it has not been on there at all before today the fact is theyre stating that they placed it there earlier than today which is XXXX because I pay to monitor all three credit bureaus 24 seven 365 days a year which for people at ERC which are too stupid to know that thats a whole year idiots, or any verification whatsoever they placed it on my credit report today it has not been on there at all before today the fact is theyre stating that they placed it there earlier than today which is XXXX because I pay to monitor all three credit bureaus 24 seven 365 days a year which for people at ERC which are too stupid to know that thats a whole year idiots They state that they open the account on XX/XX/2020, but yet no Notice was ever sent and nothing was physically opened or on my report until today XX/XX/2020, I read up on ERC and they have had more complaints against them for refusal to validate that and refusal to ever send any notification before listing a debt which is 100 % illegal and is both a violation of the FTC in the FDCP they have done it to multiple people I have seen multiple complaints that equal over 800 complaints for the same thing but yet they are still allowed to stay in business and continue to make these violations why the XXXX are they allowed to get away with it, as well as its kind of funny they say they opened it on XX/XX/2020 when I had another active collection on my report that I got removed two days before they state theirs was opened on my report that I got removed because of the proof I had of the violations for having two active collections at the same time in the same account over and over and over again from XXXX XXXX XXXX. The fact of the matter is XXXX XXXX XXXX continue to charge me for service with them when I switch cell phone providers to another company where XXXX XXXX XXXX was called and told to close the account and nothing was done I have witnesses because I refuse to ever call any company that thinks that kind of XXXX lie so I always have a XXXX witnesses.
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| 05/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I am trying to purchase a home and was advised that I needed to resolve a XXXX account that had a blanace of XXXX. I did not understand how the balance could be that large for XXXX phone line so I called on XXXX/XXXX/2016 to ERC the listed agency who holds the debt. The could n't give me any information nor had I ever had any contact with them or notification of debt from them previous to the conversation. I told them I did n't agree with the balance. They failed to put my account in a dispute status at that time because of a comment I made about wanting to contact XXXX for more information regarding the account and large balance. I had said that I would call back. Despite me wanting to contact the original creditor the fact that I told them I do not agree with the debt they should have moved the account into a dispute status. They did not causing further delay in being approved for a home loan. I did not contact them back until XXXX but I did contact XXXX and they gave me the numbers that were on the account and the alternate numbers were for my mom and my brother. I never authorized them to get on my account and they did n't think they were on my account either further confusing me as to how I ended up with such a large balance. In XXXX I received a letter from ERC offering a settlement on a XXXX account for XXXX. I thought this was an amazing opportunity to pay off this debt. What a good deal right! Wrong, I called in and paid the settlement by phone and thought it was all said aand done only to find out almost a month later when advised by my broker that the account had n't updated on my credit that I paid a whole different XXXX account. I never received any communication from them regarding the second account. Was not advised that I had a second account with them when I spoke to them on XXXX/XXXX/2016 and when I called to pay the settlement was n't asked again about the first account. My first contact with them regarding the second account was when I got the settlement letter and called to pay the settlement. So by then I was pretty upset and again being delayed in the approval for a home loan. I called to request a refund on the account that I paid the settlement and a request to put that into dispute to since I was unaware of an additional account. That 's when I found out they had not even put my first account with the large balance on my credit in dispute at all yet. I made sure that they put it in a dispute status then ( this was the end of XXXX ) I sent a request for more information letter which I used the CFPB sample letter to write up. I sent that via certified mail. ERC received the letter on XXXX/XXXX/2016 but on XXXX based on my phone call I assume, they mailed me verification of debt which consisted of just XXXX biling statements. They provided that for the first account but not the second account. I still have not received anything for the second account. Also no one has been able to explain how the phone numbers were added to the account. XXXX said I had to file fraud. I do plan on doing so I just have not had the opportunity to file fraud with them yet. I will file a separate complaint for the second account so that they each have their own and link this complaint number in the second XXXX.
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| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The original debt from XXXX was previously reported in ERC account number XXXX in XX/XX/2021. This month ERC account number XXXX was deleted from my credit report but replaced by XXXX XXXX XXXX XXXX. This is very concerning how can be an account be reported from one collection to another. I requested validation of debt to ERC and since they are unable to provide they deleted this account. This is a debt parking I demand this account removed from my credit report. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my XXXX XXXX has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the XXXX bureau XXXX XXXX XXXX XXXX XXXX in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
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| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Enhanced Recovery Company, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 09/09/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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1. XX/XX/XXXX- XXXX XXXX ad promised internet service packaged with cable service with XXXX XXXX. We bit. The initial bills were from the firm with whom I contracted, XXXX XXXX, being account number ending XXXX ( See Exhibit 1 ). Later, XXXX XXXX passed the buck and the bills started from XXXX XXXX, account number ending XXXX.
2. No modem and no service from either firm for almost 2 months -- the XXXX XXXX bills did n't stop, however. I attempted to contact XXXX XXXX many times. Understand, that each contact with XXXX XXXX takes hours because, when you finally get to a real person who knows anything, they tell you that the problem is with XXXX XXXX ; and, you go through the same menus and wrong assistants again.
3. One problem turned-out to be that the XXXX XXXX modem was sent to the wrong address ( although the billings all came to the correct address ) maybe 4-5 times. As stated, the billing continued with no service. I complained to XXXX XXXX and spoke with XXXX XXXX in the XXXX XXXX XXXX office on XX/XX/XXXX, who promised to resolve the matter ( conversation confirmed by email from XXXX, See Exhibit 2 ).
3. That never happened but I finally got the modem. Installed it. Discovered that XXXX XXXX had not enabled internet service. That made the whole " deal '' useless. After futile attempts to get through all the menus and unqualified personnel to get the contracted-for internet service, I cancelled the whole deal. I did go through the menus again and got the prepaid mailer to return the modem ( returned via USPS, See Exhibit 3 ). Then, I had XXXX install service for the cable and internet service ; and have not had a problem since.
4. XXXX XXXX has directly dunned me directly for amounts ranging from approx. {$400.00} - {$700.00}. Then, XXXX, XXXX got the collection account ; then XXXX XXXX, then XXXX XXXX XXXX, finally Enhanced Recovery Co. ( ERC ). My standard response to XXXX XXXX and to each collection firm was tell them that the services were not earned ; and, that XXXX XXXX would get paid when a judge ordered payment ( i.e. 'sue me ' ). These were notes done in Sharpie pen on their dun notices ( see, for example, recent response : Exhibit 4 ).
5. On XX/XX/XXXX, XXXX XXXX made an unauthorized charge on my VISA for {$430.00} -- which was protested and credited-back after investigation by XXXX ( see Exhibit 5 ). Regardless, I kept getting dun letters from ERC.
5. I wrote ERC on XX/XX/XXXX ( see Exhibit 6 ), telling them to sue me so I could countersue. No response.
6. After another dun letter, on XX/XX/XXXX, I wrote XXXX XXXX of ERC ( see Exhibit 7 ) demanding that ERC cease communication pursuant to 15 United States Code Sec. 1692 ( c ).
7. The only response to the XXXX letter was another dun dated XX/XX/XXXX ( see Exhibit 8 ), saying in part, " Even though this account was previously disputed pursuant to 15 U.S.C. 1692g [ sic ], we are required to notify you that.. .Unless you dispute the validity of the debt.. .within 30 days.. .the debt will be assumed to be valid by us. '' I am tired of doing the same protest each time. They can not be correct. The law says that they must cease communication.
Kindly assist me in this matter.
Thank you.
XXXX XXXX NM XXXX XXXX
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| 03/28/2023 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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SEE ATTACHMENT NOTICE TO XXXX XXXX, THIS IS A WARNING TO STOP ENGAGING IN UNLAWFUL ACTIVITIES, FRAUDULENT ACTIVITIES, RACKETEERING ACTIVITIES, IDENTITY THEFT ACTIVITIES, EXTORTION ACTIVITIES, ABUSIVE ACTIVITIES, DECEPTIVE AND MISLEADING ACTIVITIES AND ILLEGAL ACTIVITIES IMMEDIATELY.
IF YOU CONTINUE TO ENGAGE IN ANY ILLEGAL ACTIVITIES WILLINGLY AND KNOWINGLY YOU ARE IN VIOLATION OF 18 U.S. CODE 1028 - FRAUD AND RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, AUTHENTICATION FEATURES, AND INFORMATION AND SHALL BE PUNISHED AS PROVIDED IN SUBSECTION ( b ) OF THIS SECTION. ( b ) THE PUNISHMENT FOR AN OFFENSE UNDER SUBSECTION ( a ) OF THIS SECTION ( 1 ) EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) ( 4 ), A FINE UNDER THIS TITLE OR IMPRISOMENT FOR NOT MORE THAN 15 YEARS, OR BOTH.
I TAKE THIS CRIME SERIOUS AND WILL EXERCISE MY CONSUMER RIGHTS IN FEDERAL COURT.
NOTICE : Request for Validity of Alleged Debt and FULL Disclosure of Purchase Agreement NOTICE to XXXX XXXX, YOU BROKE THE LAW After checking my consumer report i notice " ENHANCED RCOVERY COMPANY " on my consumer report which appears deceptive and suspicious to me.
I am writing this letter to dispute the validity of an alleged debt that you are attempting to collect from me. I have received multiple notices from " ENHANCED RCOVERY COMPANY '' regarding a debt that you claim I owe. However, I have not received any information regarding the origin or validity of this alleged debt to lawfully verify the validity of your claim.
As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with full disclosure of the alleged debt, including the following : Full disclosure of the purchase agreement or forward flow agreement related to the alleged debt.
Tracking of where you obtained the alleged debt from.
The original contract, including wet signatures.
The name and address of the original creditor to verify the accuracy and completeness of the alleged debt.
I demand that all future communication on this matter be done in writing and that all collection activities cease including any phone calls stop immediately.
Please be advised that any person who willingly and knowingly engages in unlawful activities, fraud, identity theft, extortion, abusive acts, any deceptive means in collection of alleged debt, racketeering or coercion and any illegal activities shall incur a penalty and/or criminal liability under the FDCPA.
I look forward to hearing from you within 30 days of the receipt of this letter. Failure to provide the requested information will result in the assumption that the alleged debt is invalid and that you are no longer authorized to collect or report on it.
NOTICE if you fail to comply and provide what is required under law I will charge you XXXX XXXX dollars ( {$1000.00} ) each day for damages and injuries to my character, reputation, mode of living under the FDCPA and any other applicable law. This is my offer to you.
Please note notification shall be complete upon receipt.
Thank you for your attention to this serious matter.
Sincerely, XXXX XXXX XXXX sent to : Federal Trade Commission ( FTC ) Attorney General ( XXXX )
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| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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CommentIve been in contact and dispute with XXXX since XX/XX/XXXX when I acquired service for them through an authorized rep called XXXX XXXX.
This company sold me a no contract service with my own equipment and as such I agreed. Subsequently the argument has been that I had acontract and that I owe XXXX XXXX dollars for having returned the equipment late. I 've had to endure them having removed equipmentthat I paid for, ( antenna, swim dish, install and cabling ), where they have commandered it and pronounced it theirs. THe account in questyionis # XXXX there are many emails where I have begged them to please bill me for what I correctly owe which would be the last month ortwo of service. Rather they are billing me for equipment charged as lost and it was returned via XXXX with their own tracking label. All this tothe tune of nearly XXXX dollars. Under that account, there exists a police report of a theft for the antaenna equipment that was removedand stolen from my apartment rooftop by people passing themselves as XXXX XXXX employees. This equipment was paid for by me not XXXX. Subsequently, this XX/XX/XXXX XXXX XXXX came to my roof and commandeered rooftop equipment equipment belonging to me and issuedservice to my neighbor XXXX XXXX at XXXX XXXX I live at no XXXX right below.
I do not believe that it is lawful to do such things nor do I believe that it is a fair credit collection practice to charge equipment as lost when itwas returned and is in use by others. However there is not an avenue in court to aleviate such a matter. Please help me because I have ampledocumentation of all the above and they have corresponded with me to that effect. I need this company to remove any reports to the creditbureaus that keep emerging on all the bureaus and to actully bill for what is owed not some dreamed up charges. If this practice is allowed byUS commerce and practice, why not collect say XXXX XXXX XXXX XXXX dollars? That sound like a better made up figure thanXXXX.XXXX which the are not owed. Instead, they should make good on paying mre to restore my antennas and dish equipment they removedwithout the landlords or my permission. These are also violations as installers. ONe can not come into an XXXX unit building and act on behalf ofany tennant unless having aquired permission from the landlord. Something they did not do.WE The tennants have to ask for permission toinstall equipment on our roof. Certainly XXXX XXXX or any other installer has to do the same to remove or install gear on the roof. My e mailaddress is XXXXXXXXXXXX and I welcoe the ability to correspond with the attorney general in providing pictures and emails re thislong drawn issue. Please have them remove the reporting to the credit bureaus as an issue that is fresh this month. It is an old account that isnot by any stretch reported accurately nor validated.
Your CommentsI affirm that the foregoing information is true and accurateYesBy filing this complaint, I authorize you to send this complaint to the party named, and for that party to communicate, includingdisclosure of nonpublicpersonal information, with the Attorney General 's office concerning this complaint
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| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc.
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you.
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error.
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus.
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a )
( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
The following account was not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
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| 03/24/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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To Whom It May Concern, I 've never had an XXXX account in my life but yet a debt of {$73.00} appears on my credit report, so in turn I am sending this letter to you in response to what appeared on my credit report from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX.
|
| 04/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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My wife and I were never able to see our credit scores, for years we would try to check them and we were told that we must have had the wrong information because the information that we provided was not linked to anyone 's credit. Since it was XXXX of us having the issue, bankers usually just concluded that it was because we were young and had never really built our credit so it must just be that we had no credit at all, and that was why our findings were so inconclusive.
So my wife worked on her credit where she could, and I helped where I could. Once her credit score was good we looked into buying our XXXX home. She had established a credit score through small student loans initially and then on to a {$200.00} in-store credit card. So we could see that her credit was a XXXX which we were very impressed by, but I still had no credit score at all. I checked back often on credit sites and was never given a number, just an error message that I must have the wrong information.
So in XXXX of this year ( XXXX ), we spoke with a mortgage broker about buying a home. He had me check my credit again at which time I found that I had a derogatory mark on my credit that had been posted years prior from a phone bill that had went to collections. I was previously unaware that I had had any outstanding fees of any kind, as I had never gotten this bill, in the mail, via email, or even received a phone call about it.
The initial bill is from XXXX and we moved in XXXX of XXXX, and forwarded our mail accordingly and immediately changing our address on file with any and all financial institutions. We never received a bill to our old address or our new XXXX in XXXX.
I had no idea that I owed any money to anyone and thought everything was fine.
So in the beginning of this year when we had worked on our credit and were trying to buy a home, I suddenly had this old derogatory mark on my credit that had never come up before and it said it had been posted in XXXX. As soon as I saw it I immediately ( within 24 hours of discovering it ) called the company that it said I owed and paid it in full, asking that it be removed. They complied and took the charge off, leaving the derogatory mark on my credit. I have called the collection company time and time again, trying to have it removed, as it was so many years ago, it should n't even be there.I pay my bills and the XXXX I found out that this XXXX existed, I paid it. Despite all of my efforts to have this mark removed from my credit I was told by Enhanced Recovery Company , LLC. that they would not remove it as that is not something they do. I paid the bill two months ago and the original date XXXX gave me over the phone tonight was well over six years ago in XXXX so it is my understanding that the debt has expired long ago. I am not asking for money back I am just asking for this to not be on my credit as it should not have been able to go on in the XXXX place having been expired. This is something I hope to get resolved soon as the impact it is having on my credit is severe and preventing my family from buying our XXXX home.
|
| 04/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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An erroneous entry has been made on my credit files with XXXX, XXXX, and XXXX by : Enhanced XXXX. XXXX XXXX, FL XXXX original creditor was XXXX.
I had an account with XXXX until approximately XXXX XXXX. I cancelled the account due to billing errors that had existed Since XXXX.
When the billing errors were initially discovered, I contacted XXXX customer service, and each time I was assured that the proper credits would be issued. The bill was supposed to be approximately {$110.00} per month, but each month I had to call XXXX customer service for credits and adjustments.
I have notated conversations with XXXX on my bills, and I have digital recordings of XXXX telephone calls to XXXX. In these notes and calls XXXX Representatives acknowledge the billing errors, and agree to write the proper credits to correct the billing. However the credits were not issued as agreed.
I cancelled the XXXX service and continued to pay {$10.00} per month as a goodwill gesture to give them time to correct their erroneous billing.
I was never contacted by Enhanced Recovery with notice of my right to dispute this bill, even though a forwarding address was available to them. I discovered the alleged debt when it was reported on my credit files.
On XXXX XXXX, XXXX, I sent a dispute to Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. IT was sent by XXXX mail, registered mail # XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX stamped received by XXXX. XXXX.
I have received no reply to my request for records and verification of the alleged debt, or any answer whatsoever.
On XXXX XXXX, XXXX, I sent another request for information and verification of the debt to Enhanced Recovery at the same address. This request for validation and investigation of the alleged debt was sent by XXXX mail, registered mail # XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX and was signed with an illegible signature.
I have also received no response on this inquiry.
Similarly, letters requesting verification of the alleged debt, along with details of the investigation process were requested of XXXX, XXXX, and XXXX by XXXX Delivery Confirmation on XXXX XXXX, XXXX. I received no replies.
I am asking that as required by the Fair Credit Reporting Act, that Enhanced Recovery XXXX XXXX be directed to remove all information regarding their reporting of this from all credit reporting agency files as listed above. I am also requesting that due to their inability or unwillingness to respond to my inquiries that any and all reporting to any agencies including credit reporting agencies, Enhanced Recovery XXXX be directed to remove all reports regarding any transactions between XXXX and myself.
Should Enhanced Recovery not furnish the Federal Trade Commission with proof of delivery, showing my Signature of replies within the time prescirbed by law that the Federal Trade Commission direct the removal of the reports as requested above and that they be fined according to the FCRA according to it 's stipulations.
Thank you very much for your consideration.
|
| 03/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Title : Debt Validation Letter Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD, XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Please fill out the following : Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account #.
Address on file for alleged debtor.
Amount of alleged debt.
Date ( this alleged debt became payable ).
Date of original charge or delinquency.
Was this debt assigned to a debt collector or purchased?
Amount paid if debt was purchased.
Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants client services the authority to collect this alleged debt.
Signed agreement debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
YES NO Have any judgements been obtained by any creditor regarding this account?
YES NO Please provide the name and address of the bonding agent for client services, in case legal action becomes necessary : Authorized Signature of Creditor : Date :
|
| 02/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SS # XXXX DOB| XX/XX/XXXX To : ERC XXXX XXXX XXXX. XXXX, FL XXXX XXXX RE : Account ERC XXXX Dear XXXX XXXX/To Whom it may concern, Please be advised that this is my SECOND WRITTEN REQUEST. I just received a letter from your company stating that the letter is in response to my request for validation. This is not a request for verification but a request for VALIDATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA.
I am writing in response to your letter date XX/XX/XXXX in which I asked for validation in accordance with the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) in which you are required by Federal Law to verify through the physical verification of the original contract with my signature on it that you have on file of the account listed in this correspondence. The letter dated XX/XX/XXXX did not supply me with ANY physical validation including my contract with my original signature on the contract as defined by the FCRA as listed above.
You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original signature on it ) and under section 611 ( 5 ) ( A ) of FCRA-you are required to..promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy to me for negligent noncompliance ( Section 617 ) if you continue to fail to comply. I am a litigious consumer and fully intend to enforce my rights under the FCRA.
Originally the first action I took was to file a dispute about ERC reporting a nonverified on my XXXX Credit Bureau Report with my dispute originally dated XX/XX/XXXX, Dispute # XXXX specifically about the reporting of Enhanced Recovery Account # XXXX which is causing me direct harm by affecting my FICO score and preventing me from obtaining a home loan. I filed a timely request for a reinvestigation of the reporting of ERC with XXXX and the results of Dispute # XXXX for XX/XX/XXXX were as follows : Enhanced Recovery Co XXXX with the outcome : ERC DELETED- This item was removed from your credit report.
I am demanding that ERC remove the reporting of the account # XXXX which continues to show up on my XXXX Report and all credit files and a copy of such deletion request shall be sent to me immediately..
I am enclosing the XXXX Dispute with results with ERC deleted per the investigation of XXXX which shows that ERC is reported as Non-verified debt. ERC letter dated XX/XX/XXXX in which you clearly reference Dispute Validation with no validation provided Copy of most recent XXXX Report showing ERC Please delete the misleading information from XXXX within 10 days of receipt of this letter sent USPS Certified Mail. If for some reason I do not receive a return satisfactory response with the removal of ERC from my XXXX Credit Report I will file complain with the Office of Attorney General, and the CFPB ( Consumer Financial Protective Bureau ) and the local XXXX.
|
| 01/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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.
|
| 01/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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ERC, or Enhaced Recovery Company, XXXX, is collecting an unverified debt from XXXX XXXX XXXX that m XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were not able to verify not too long ago. XXXX XXXX XXXX assigned XXXX XXXX XXXX and XXXX XXXX XXXX XXXX to collect account # XXXX with a balance of {$2600.00} before I submitted a debt verification letter to both companies. They couldnt verify the debt, so they stopped all collections attempts, but XXXX XXXX XXXX continued selling this account to different collections agencies violating the Fair Debt Collection Practices Act ( FDCPA ).
On XX/XX/2021, I received a letter from XXXX XXXX XXXX XXXX XXXX when they were representinXXXX XXXX XXXX XXXX with the following statements in regards to my debt verification and dispute ; the letter is attached as evidence XXXX received the within XXXX complaint the next day, which was promptly forwarded to the creditor. We are pleased to report that in response, the creditor issued credit adjustments to zero the balance on XX/XX/2021. The matter appears to be resolved in favor of XXXX XXXX. XXXX can confirm that it did not report to the credit bureaus regarding the account. The documents requested have been mailed directly to the consumer in keeping with his request ( XXXX XXXX XXXX, XX/XX/2021 ).
XXXX XXXX XXXX continues selling this debt to different collection agencies defiantly to harm me without verifying this account or providing the information that I have requested many times before : -CREDITOR/DEBT COLLECTOR DECLARATION Agreement with your client grants you the authority to collect on this alleged debt.
- Agreement that bears the signature of the alleged debtor wherein they agreed to pay the creditor.
-Any creditor regarding this account has made any insurance claims.
-Any Judgments obtained by any creditor regarding this account.
-Name and address of the alleged creditor.
-Name on the file of the alleged debtor.
- Alleged account number.
-Address on file for the alleged debtor.
-Amount of alleged debt.
-Date this alleged debt became payable.
- Date of original charge off or delinquency.
-Verification that this debt was assigned or sold to the collector.
-Complete accounting of alleged debt.
-Commission for debt collector if collection efforts are successful.
CLEAR ATTENTION TO THIS REQUEST : This is NOT a request for " verification '' or proof of my mailing address, a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Because XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was not able to comply with FDCPA per letter that XXXX XXXX XXXX XXXX XXXX XXXXGeneral Counsel sent to XXXX XXXX XXXX XXXX XXXX employee in XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX, NY, XXXX ) on XX/XX/2021, Letter is attached to this complaint. The complaint about that issue is XXXX Complaint # XXXX. I have also attached a copy of the debt verification letter sent to XXXX XXXX XXXX XXXX.
|
| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. are financial institutions by definition ENHANCED RECOVERY CO under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. are the financial institutions and the ENHANCED RECOVERY CO consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an ENHANCED RECOVERY CO explanation of how the consumer can exercise that nondisclosure option. Never informed me of my right to exercise ENHANCED RECOVERY CO.my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
I have been paying this debt as it is taken directly from my paychecks. I need these off of my credit report asap This is a third party collection agency whom I have no obligation to.
|
| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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XXXX XXXX XXXX Are violating the fair credit reporting act on the fair debt collection practices they are sending my personal information to an address in Florida that I have never lived at in my life on this information they listed my XXXX Social Security number my XXXX cell phone number my XXXX date of birth the fact of the XXXX matter is they also disclosed what they claim I owe them as debt to someone I dont live with or know The collection company they used was called ERC, ERC is Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I prove that they try to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and XXXX XXXX XXXX wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Retaliating against me which is considered a criminal offense because they want to attack me because they committed violations up the XXXX on the fair credit reporting act fair debt collection practices on behalf of another company when they themselves were supposedly in possession of an account well three other debt collection company said the same exact account back to back when I proved it they tried to act all snobby and XXXX full of them XXXX XXXX selves in the end they had to take it down because I wouldve XXXX sued them into a XXXX sandbox the fact is I still have all that XXXX information and the fact that they and XXXX XXXX XXXX wan na report false information on my XXXX credit report as well as retaliating against me but threatening to sue Them for violations because of multiple collections they were involved on for fraudulent collection before they return want to put false information on my credit report and want to send personal information to an address in Florida I have never lived that in my life as well as violations even further by giving my personal XXXX information to the people at that address as well as disclosing supposed debt which is another violation, these XXXX XXXX at XXXX XXXX and ERC are now going to get XXXX sued for sending my personal XXXX information to a place Ive never XXXX lived at in my life, that as well as disclosing supposed debt which is another violation I will be contacting an attorney and you can XXXX my XXXX XXXX you XXXX XXXX you XXXX XXXXXXXX XXXX XXXX give my personal information somewhere Ive never XXXX lived you XXXX Im telling you right now if anyone at that address tries using my information not only am I gon na XXXX sue you I will XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and Ill XXXX for XXXX XXXX XXXXXXXX
|
| 09/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
XXXX XXXX XXXX has been my Cellular Carrier for about 20 years. I 've always made every payment on time. I had their sister Company, XXXX XXXX, for awhile and due to problems, had to have it disconnected. During the time I had XXXX, it was combined-billing with my XXXX XXXX XXXX Cellphone Service. Sometime after cancelling XXXX, I began receiving notices from various Collection Agencies that I still owed XXXX XXXX XXXX for their Services. I contacted both XXXX XXXX XXXX and XXXX XXXX Customer Service, and they XXXX told me they showed no outstanding Debt on my Accounts. XXXX XXXX XXXX continues to harass me via XXXX Collection Agency after another, yet can not provide any proof of exactly when, where, and what the outstanding debt they claim I owe is for. The latest harassment is from a company called ERC, address is a XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I believe it is illegal to operate a XXXX XXXX XXXX out of a XXXX XXXX XXXX, a violation of Federal Law. XXXX claims that my debt owed is {$84.00}, for XXXX XXXX XXXX Account XXXX XXXX, which is not my current account number, although I have had uninturrupted Cellphone service from XXXX XXXX XXXX for approximately 20 years now. ERC Collections Reference Number being XXXX on their latest letter to me.. I have had about XXXX Collection Agencies over the years, hounding me for this money, and every time I contact them and explain that XXXX XXXX XXXX has verified with me by phone calls to their Collections that I owe no money, the Collection just gets sent to another different Collection Agency who begins the harrassing letter process over again. I have responded to these Agencies in writing several times, refusing to pay anything, based upon my conversations with XXXX XXXX XXXX and XXXX XXXX both stating that I owe nothing. This continuing harassment for no proven valid reason has damaged my Credit Rating, and at this time I request followup investigation, and notification to XXXX XXXX XXXX and all Collection Agencies past, present and future involved, that this is a Complaint for unjust harassment without substantive proof, and that they are to immediately sease and decist, and that I am entitled to any and all reparations under the Law for their conduct towards me, and for the continued non-stop harassment that I have encountered over the years, due to these Companies falsely accusing me of oweing money without any substantive proof of such, and despite my repeated phone calls and letters to these Companies, who have XXXX agreed verbally that I owe them no debt, but have failed to remove me from Collection Agencies rolls,, promptly and properly, per all Laws XXXX State and Federal. Further, I request that all resulting correspondence of any nature be addressed to me in writing and sent to me, and that it contain a name, department, and phone number of any employee seeking any information relative to, and or pertaining to, any aspect of this entire matter. I also request a receipt of confirmation in writing, for this complaint I am hereby filing.
|
| 09/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I obtained a phone from my former employer which had been using XXXX XXXX XXXX mobile service. The employer had already contacted XXXX XXXX XXXX and requested the phone be unlocked so I could move it to another service provider. There would be no charge for doing this.
While trying to obtain the new service at XXXX, the representative told me the phone was still locked. So I called XXXX & XXXX to unlock it.
The XXXX XXXX XXXX Representative asked me information such as the IMEI a number, serial number of the phone, the employer name, etc., and then began asking me a lot of questions about myself including contact information, etc. I questioned them as to why they asked for my personal information, and they told me it was required to unlock the phone. At the completion of the call, they said I would receive an email with unlock information and it would be unlocked within 24 hours. I did receive the email, but nothing worked to unlock the phone. To make a long story short, I spent at least three hours over the next four days with representatives from XXXX XXXX XXXX, and XXXX - the phone manufacturer - trying to get this unlocked. I finally simply asked to talk to a supervisor who ended up unlocking the phone in two minutes from my request.
I thought the nightmare was over, but it had only begun. Two months later, I received a bill from XXXX XXXX XXXX for over {$80.00} for services that I never got from them, had never asked for from them, and had never requested that I be set up at all with them. So I called the customer service line and explained the situation. They agreed with me that this was an error and should not have been billed, said they would take care of it, and the phone call ended.
As of this week ( XX/XX/XXXX ), XXXX XXXX XXXX has sent/sold that fraudulent bill to collection agencies at least seven separate times ( at least twice to ERC ), some of which have gone into my credit record and posted collection notices, after I explained the situation to each one of them, and of course, refused to pay their demand. None of them ever provided ANY type of documentation that any service had been provided or that I had even requested any service.
Is there a limit to the number of times that XXXX XXXX XXXX can falsely sell this fraudulent debt to these companies, and a limit to the amount of times they can continue to harass me falsely? I can understand an honest mistake, but there is nothing honest about what they are continuing to do and have tried to do for more than two years.
Obviously, a rogue employee of theirs tried to make a bonus or some money somehow by selling me an account without my permission, and which XXXX XXXX XXXX promised to correct on a call they say was recorded. But they continue to bug me over and over. At this point I have spent many hours with XXXX XXXX XXXX, their hired collection agencies, and the credit bureaus trying to defend myself against this fraudulent charge. I feel that financial compensation is in order as well.
|
| 05/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I applied for a loan from XXXX different banks and found out that there was a charge off to my credit from Enhanced Recovery Co. XXXX , XXXX in the amount of {$93.00}. They were the XXXX co. that was hired by XXXX to collect a balance of a bill that I do not owe. I applied to XXXX XXXX on XXXX/XXXX/XXXX, to XXXX XXXX XXXX on XXXX/XXXX/XXXX, and to XXXX XXXX XXXX XXXX/XXXX/XXXX. The first XXXX were unsecured loans, with a 7 % interest rate as long as I scored a XXXX or better. The latter was a HELOC with an interest rate of 4.5 %. My credit score came in at XXXX and all XXXX said this charge off hurt my score. XXXX went to 8.9 %, and XXXX XXXX went to 9.4 % from 7 % specifically because of that charge off. XXXX XXXX XXXX denied my loan all together, sighting too many inquiries, most recent account opening too short, amount owed on revolving accounts is too high ( I 'm building XXXX homes and I use my cards as much as I can to finance construction till I can take draws ), and the charge off from Enhanced Recovery Co. On XXXX/XXXX/XXXX I returned to XXXX all their equipment in person to one of their centers. I handed XXXX in XXXX XXXX, XXXX a hand written letter and I verbally told her I wanted my service terminated as of that very moment. She took my equipment, handed me a receipt, and said it was done. I was under NO contract obligation. On XXXX/XXXX/XXXX, I get a bill in the amount of {$450.00}. I call right away ( I have all the dates names and times ) and dispute the fact that my service was to have been shut off. On XXXX/XXXX/XXXX, I get bill in the amount of {$650.00}. I finally got to speak to XXXX on XXXX/XXXX/XXXX who understood what was happening. His reason for the XXXX was that I still was using my comcast.net e-mail account and that was why I was being billed. I have XXXX other XXXX accounts that are still active today and were at that same time. My email is linked to XXXX of those accounts. I went back to the XXXX/XXXX/XXXX bill with the amount being {$250.00}. XXXX bills for next months services the prior month. I made a work sheet based on their billing on what I used up to XXXX/XXXX/XXXX. I added for taxes and all the other fees and I came up with {$150.00}. I sent them a check, and the next month I got a bill from them for {$92.00}. I refuse to pay for services I did not receive, including rental for equipment that I had previously returned. XXXX sent this to XXXX prior collection agencies, I spoke to them on the phone, and I mailed them copies of all my documents. I thought this was over with, and in XXXX of XXXX, I get another collection letter from Enhanced Recovery Co. I copy the same documents and send them to them. Evidently they discarded my documents and decided to put this mark against me on my credit report. Let me mind you I am XXXX yrs old and I have never mad a late payment to any one in my life. I sent them an e-mail over a month ago and followed up with a phone call and was told to wait XXXX days. It 's been XXXX weeks and it is still there.
|
| 06/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX and XXXX are in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n.
I am making this complaint against ENHANCED RECOVERY COL ( ERC ), for committing identity theft. I have never given ENHANCED RECOVERY COL ( ERC ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with ENHANCED RECOVERY COL ( ERC ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving ENHANCED RECOVERY COL ( ERC ) any right to collect on this alleged debt.
I have never received any documentation requesting validation from ENHANCED RECOVERY COL ( ERC ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ENHANCED RECOVERY COL ( ERC ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ENHANCED RECOVERY COL ( ERC ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ENHANCED RECOVERY COL ( ERC ), continues its collection efforts, I will file for litigation for actual damages caused and ENHANCED RECOVERY COL ( ERC ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately : 1. The following account is not mine ENHANCED RECOVERY CO L Account Number : XXXX Date : XX/XX/XXXX Please remove it from my credit report.
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the Description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation.
Thank you,
|
| 01/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Debt Validation Request Per Section 809 ( FDCPA ) To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and is there some contractual obligation that is binding on me to pay this alleged debt. Prove to me beyond a reasonable doubt that I have a signed contract with your company XXXX XXXX XXXX agreeing to pay this assigned debt. Please prove that you are the original creditor. This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a civil suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request and fail to prove that you are the original creditor with proof of a signed agreement within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Regards XXXX XXXX XXXX cc Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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On XX/XX/2019, I received a letter from a collection agency ( ERC ) stating that I owe XXXX XXXX {$700.00} ( account XXXX reference number XXXX ). I called the 1800 number provided in the letter to inquire about what this debt was in reference to. I spoke to one of your representatives in XXXX and advised him that this is not my debt that I have never opened an account with XXXX XXXX. The representative asked if I knew a XXXX XXXX who lived in XXXX XXXX XXXX, Tx XXXX. I stated that I do not know any XXXX XXXX nor I have I ever lived in Texas and that I have never authorized anyone to open any account under my name. This is obvious a fraud or a mistake.
I am disputing these charges/debt to be a mistake or Fraud.
On XX/XX/2019 I wrote ERC the following letter : ERC XXXX. XXXX XXXX XXXX, Fl. XXXX XX/XX/2019 XXXX XXXX Re : XXXX Account Number : XXXX Amount {$700.00} To Whom It May Concern : I am writing this letter in response to the letter received from you on XX/XX/2019. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you, On XX/XX/2019, ERC responded via mail with a letter and a copy of a signed " Digital Home Advantage Plan Agreement '' with the customers phone number, email address, Home address, city and State including the date. I have never been to Texas nor I have ever seen or signed that document. Never had that particular email address, home address nor phone number. I have obviously been a victim of FRAUD.
|
| 03/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had a home years ago in XXXX, UT. I had split rooms into rentals, we already had services with other companies. My son and his wife wanted XXXX, I eventually gave in and ordered. On the day of install, I returned from an appointment to find my policeman neighbor outside to tell me about the damages to my property. We went to the back yard to find it ripped apart. My home was on the market to be sold. All my sod was destroyed, they used coal shovels destroying the lawn and left chunks of sod and mud all over the yard. The XXXX dish cables were severed and laying in the garden. XXXX XXXX cable I purchased in Arizona had been cut from the basement wall, about XXXX '' hanging from the wall. These XXXX installers had used MY cable to run their cable from the trench, across the lawn, over the TOP of the hog fencing and then on the ground, then into the side of the house. I went into the house, picked up the box that was there for the self-install and immediately called XXXX. I was told to bring the equipment to their offices off XXXX XXXX and the account would be canceled. I did that, with my grandson. We stood in line for nearly an hour, then the girl at the counter refused to accept the box. I asked for her supervisor, a guy came out from the back and I stated all that had happened and then he said he would send a supervisor to my home to make the repairs and pay for the damages. That NEVER happened! So, I NEVER opened the box, never turned it on, nothing but took it back to the store THEY told me to go to.
As of today, XXXX/XXXX/XXXX, my bank informs me that my credit is damaged by XXXX ( XXXX XXXX credit bureaus, both initiated by XXXX!! I have spent this entire day on the phone with XXXX and their circus! No matter how many people you talk to or " supervisors '' you are told they 're transferring you to " Corporate '' when they do n't. It all goes back to Billing, where they do n't help.
I have also learned that XXXX also filed against me for another amount of {$860.00} using another name, but I had not been in that home during the dates they claim, as I lived in another state.
XXXX destroyed my credit for what? I 'm an old woman, a XXXX widow and grandma. THEY destroyed my home and property so I could n't sell it. We lost XXXX when we did finally sold it when the housing market declined, after I had to shell out the costs to make the repairs.
I have been lied to by every single employee of XXXX for many years. I was told that because I returned the equipment, I would have no charges, then they destroy my credit!!
THIS IS N'T FAIR OR LEGAL IS IT??
I 've never had a notification, knew nothing about this until now. I suffered a XXXX XXXX XXXX in XXXX and have a hard enough time just coping, to be abused by this huge corporation is wrong!!
By the way, I have many witnesses to the damages that they did to my home and also how I did follow through that same day and drove to their office and handed the unopened box back to them..
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| 03/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Received and alert from XXXX credit bureaus in XXXX XXXX of a collection from XXXX. I disputed this debt with the credit bureau to only send a response back in three days that this debt was valid as they verified my Name, Social and Address.
XXXX XXXX Phone Number : XXXX Phone Call Date : XXXX/XXXX/XXXX Phone Call Time : XXXX EST After receiving the feedback from XXXX I reached out to Enhanced Recovery to receive some verbal information/confirmation since XXXX only verifies electronically.
I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red : 1. What is the Account Name : XXXX XXXX 2. What is the information from the debt collection agency?
Name : Enhanced Recovery Address : XXXX XXXX XXXX.
XXXX, XXXX XXXX Business Phone Number : XXXX Professional License Number : I do not have one What address does this collection belong to?
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not.
4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account.
5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XXXX of XXXX.
6. How long have you had this debt? This debt has been in our office since XXXX XXXX, XXXX.
Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old one on file ) then that means the credit agency also provided my phone number and social security number too. XXXX verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XXXX XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt.
The attachment shows I currently have XXXX and the account number is different. The 2nd attachment documents a call I had with an agent from Enhanced Recovery.
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| 09/30/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Collection company has reported an identical collection notice 3 times in 5 days.
Please review the following : XXXX Credit Report and XXXX XXXX XXXX XXXX monitors your credit file and alerts you if new activity like credit inquiries, delinquencies, bankruptcies, and new loans are reported by the credit bureaus to ID Experts.
Alerts Type Date Collections - ENHANCED RECOVERY CO L XXXX XXXX, XXXX ENHANCED RECOVERY CO L has flagged your account as Collections.
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score.
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure.
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CO L Payment Status Collections Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX.
UNPAID ( UNPAID ) - ENHANCED RECOVERY CORP XXXX XXXX, XXXX ENHANCED RECOVERY CORP has flagged your account as UNPAID ( UNPAID ).
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score.
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure.
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CORP Payment Status UNPAID ( UNPAID ) Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX.
Collections - ENHANCED RECOVERY CO XXXX XXXX XXXX, XXXX ENHANCED RECOVERY CO XXXX has flagged your account as Collections.
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when XXXX of your accounts has reported information that may negatively impact your credit score.
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure.
Alert Date XXXX XXXX, XXXX Source XXXX Company ENHANCED RECOVERY CO XXXX Payment Status Collections Status Date XXXX XXXX, XXXX Balance {$130.00} Balance Date XXXX XXXX, XXXX Address XXXX XXXX XXXX, FL XXXX If you feel you are a victim of identity theft, please contact a XXXX XXXX at XXXX.
I want this company to remove these reports, I do not know what the {$130.00} charge is for and this is ruining my credit.
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| 05/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Last month, ERC reported to the credit reporting agencies that I owe about {$2500.00}, a debt that occurred as a result of identity theft/fraud. The original creditor listed for the debt is the company XXXX. This debt was initially reported under a company called XXXX XXXX in 2018 and it was removed from my credit report after I disputed it and provided information to the credit reporting agencies regarding the identity theft. Now, two years later, the debt has been re-reported and placed on my credit account - this time, under ERC. I received no notice of this and only found out after it triggered a credit report alert. I then once again disputed the account with the credit reporting agencies and the original creditor, however, I was advised to contact ERC as they currently own this debt. After multiple calls and being transferred after long wait times, I sent ERC an official request via certified mail for verification and validation of the debt per FDCPA, which states debt validation should include account statements from original creditor, payment history with the original creditor or a copy of the signed contract between the original creditor and debtor. 15 U.S Code S1692g. validation of debts 5 ( b ). The delivery of the letter has been confirmed via the USPS but I have not received any response, and the derogatory information continues to remain on my report.
The original issue is that I had a cellphone on my mother 's XXXX account and someone was able to open two separate lines. At the time, our home was under total re-construction due to a main water pipeline that bursted in our home, making the home uninhabitable. My insurance company had relocated us to a hotel for a month, then an apartment close to my job in Maryland. Because of the logistical challenges, we weren't regularly checking mail in Virginia and therefore, did not see notices coming to my home regarding the two phone lines. By the time we discovered the large balance on the account and what it was the result of, it was too late and the account was on its way to collections. The home had contractors and builders coming in at all times of the day for several months so anyone could have had access to my mailbox, as well as sensitive paperwork that remained in the home even during the construction.
It is also important to note that my name was only on the account for Caller ID purposes, but not as a primary account holder, therefore, I had no financial obligation to XXXX. I am attaching a copy of the only bill we received from XXXX and it is not under my name. This is why I requested from ERC proof of a contractual agreement between myself and XXXX. But I have not received any response to this request. Furthermore, we were not made aware of any debt collection efforts beyond the XXXX bill we received until after it was placed on my credit report. Nor did I receive any notice that it was being reinserted in my credit report by ERC.
|
| 12/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
|
Received notification that a negative report was received on my credit by credit monitoring. XXXX XXXX was reporting that I owed a debt that I was not aware of. I disputed the debt after which time I received correspondence from the collection agency that I owed a debt with XXXX XXXX XXXX I do not owe XXXX XXXX so I sent the collection agency a debt validation request via certified mail. I received notification that my correspondence was received by the company on XX/XX/XXXX. In the meantime I have a wireless account with XXXX since XXXX and that is paid timely via autopay. On XX/XX/XXXX I purchased another from from XXXX, paying in installments payments but I did not activate it because the phone is supposed to a XXXX gift for my XXXX. On XX/XX/XXXX I contacted XXXX to get another line so the new phone could be activated and to port over my grandsons number to the phone so he could have it for XXXX. I was told by the representative that a restriction had been added to my wireless account so she could not allow me to have another line, even though I have a wireless account in good standing. The representative preceded to tell me that I owed a balance ( over XXXX ) on an internet account with XXXX. I informed her that I have never had internet with XXXX. So she placed me on hold came back the phone and told me that it was XXXX for an account back in XXXX. I let the representative know that I did not owe XXXX anything and I had disputed this allegation and has received notification that they had received my certified correspondence. At time the representative got XXXX recovery on the phone. The recovery representative informed me that her records show that I owed XXXX. I once again explained that I did not owe XXXX anything and that I had disputed this charge. She asked me for the certified notification number, which I provided to her and the date of XX/XX/XXXX which was the date it was signed for and delivered. She placed me on hold and came back to tell me that there was nothing she could do because the account was closed and showing XXXX balance so I needed to contact the collection agency. Stated the restrictions was placed to prevent me from opening an account. Both myself and the XXXX XXXX representative was trying to explain that I already had an account, I was just trying to get another line in my existing account. At that time I was told the a XXXX XXXXXXXX would call me back in XXXX hours to see if they could help me. Today is XX/XX/XXXX and I have not heard anything from anyone and is XXXX of the reasons I am filing this complaint. The other reason is that I dont owe XXXX anything but they have placed a restriction on my wireless account, closed the account, wont lift the restriction but turned me over to an outside collection agency.
I should be celebrating this time of year with my family but instead I am having to file a complaint regarding money that I dont owe
|
| 10/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
On XXXX XXXX XXXX I received a collection request letter from ERC for a supposed past due bill of {$69.00} from XXXX. The past due bill was for a final payment from when I moved in the XXXX of XXXX. The final payment had n't been automatically taken out after I moved and set up a new account. When I was informed about it in XXXX XXXX I called the billing department at XXXX on XXXX XXXX and arranged for the payment to be debited from my XXXX XXXX XXXX checking account. I was then given a confirmation number that I was told proved I paid the remaining bill. I did n't hear anything from XXXX about the account until I got the collections letter on the date previously mentioned.
I contacted a XXXX agent over the phone to try and resolve the issue. I was told that I would have to go to my local XXXX office to resolve the issue. On XXXX/XXXX/XXXX I went into the office. I gave them the confirmation number. I was told that their computer said that I did n't pay the bill in XXXX of XXXX despite that I had a confirmation number from XXXX of XXXX that was to prove that I paid the amount. I asked them how I could prove that I had paid the remaining balance in XXXX of XXXX other than using the confirmation number I had been given. I was told that was n't enough proof and I would have to get a statement from my bank.
I went to my bank and asked for proof of the transaction. My bank gave me a printout of the transactions that showed that on XXXX XXXX XXXX {$69.00} was debited from my account to XXXX.
I brought the statement back to the XXXX office to show them. After scanning the statement I was told that the agent there could n't do anything and the issue was being sent to billing and that a ticket was being created about the issue and I would receive a call in 2 to 3 days. After 7 days I had yet to hear from anyone at XXXX. I called them. At first I was directed to call the collections company and take it up with them. The agent gave me contact info for a completely different collections agency. I contacted them and they had never heard of my account. I then called the collections agency, ERC, that I got the letter from. I was told that they had not heard from XXXX and the account was still open.
I called XXXX back and was connected with a senior representative. She told me that the ticket had been closed on the same day it was made and that the agent noted that there was not enough proof that I had paid the bill. I asked her what more proof I could give to prove that I had paid the bill. She said that there was no way I can prove it and that there was nothing else XXXX would do and I would just have to pay the collection agency.
I am very distressed by this. The confirmation number and a statement from my bank were not enough proof. How is anyone safe from constant continues billing. If there is anything you can do to help me with this issue I would greatly appreciate it.
|
| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hi XXXX/ERC ; I'm not quite sure what happened! Why am i seeing XXXX back on my credit from a different debt collector? It was reported on my credit before by XXXX XXXX XXXX and i opened a claim against them and XXXX and it then deleted. Now i'm looking at my credit i see newly opened date for the XXXX for last month! Isn't this the same as before? What is the actual open date then? Why was it placed on my credit report without my knowledge?
Again, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary.
ERC provided a response dated XXXX XXXX and stated that CFPB regulation states a direct dispute must include sufficient information, etc. This is a stall letter tactic ERC provided. My dispute was very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when I followed up to direct dispute with them. This is a very misleading practice and a violation of my consumer rights. If the bureaus communicated in writing to me stating ERC had verified the debt, why did ERC not update the status of the entry to the bureaus as dispute. After all, ERC pays the bureaus to provide such information.
They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for a XXXX bill, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity.
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
|
| 01/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Hello, I apologize as none of above options refer to me. I had never created any debt, and became victim of unreliable and incompetent costumer service. Here is my story.
In XXXX I traveled I took frequent trips back home to XXXX due to attend to my mother after her accident. It seemed unreasonable to continue my cable plan with XXXX XXXX XXXX which services I was using since XXXX. I called them and spoke with the costumer representative. I explained my situation, requested for the cable to be canceled and continue my plan with only internet service. I was told it was fine and that my account would be updated. I left the country couple days later and spent almost a month with my mother in XXXX. Shortly after I returned I was surprised with XXXX bill, almost triple more then what I was told I would be paying for internet only. It was almost double of what I used to pay for both internet and cable, before I canceled cable. I called them to clarify. I was told that my rate increased because previous cable rate was a promotional offer which expired, and the regular rate kicked in. I explained that I canceled my cable plan before going away, but the representative could not find any record of it, requested my information and said someone will call me to sort it out. I got voicemail from some woman next day, but when I returned the call, I was placed on hold for a long time. when i finally reached someone, our conversation was disconnected. As I provided my contact info at the beginning, I assumed I will be called again. I got voicemail again next day. I Attempted to call back, but gave up after being placed on hold for almost 30 min. My issue was never resolved, my lease was also up and I decided to move to XXXX. I called again to cancel my entire plan as XXXX does not provide services in XXXX, NY. I switched to XXXX. I covered my last internet bill and returned XXXX equipment couple weeks later. That was in XXXX XXXX. I have not heard anything from them since then. I did not receive any mail from them, or any collection agents. In XXXX XXXX I noticed my credit score decreased significantly. I requested copy to find out why. I learned that collection procedures were now affecting my credit. I went ahead and requested dispute with XXXX, XXXX and XXXX, I explained everything just as I am now. Within 30 days all XXXX companies removed incorrect collection account. My credit went back up. I was convinced this nonsense was over. On XXXX XXXX I received alert from XXXX, my credit dropped XXXX points due to new collection account. It is different company this time " Enhanced Recovery Co, LLC '' -- the original creditor is of course XXXX. I disputed this again with XXXX since I have account with them and pay for it monthly. I do not want to spend another {$40.00} for reports with other companies. I already went thru all this back in XXXX.
|
| 01/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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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.
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| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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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, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, 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 le
tter ( 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 attachin
g 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 validit
y 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.
|
| 12/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/2018 I noticed there has been a negative and inaccurate reporting on my XXXX credit report that had been removed previously and I put a freeze on my credit report prior to this negative reporting. I called the company and requested more information about this alleged debt and even gave my current address and I never got the demand notice or any details about this account. I called XXXX and asked was this account verified before being put on my credit report and they said no but i can do a investigation. I asked what was the purpose of me doing a freeze on my credit report to protect my score if XXXX was going to allow companies to place inaccurate accounts and get money from me that I dont owe. After the investigation was done XXXX removed the account and sent me a notice saying it was deleted. 3 Months later I applied for a business line of credit for {$45.00} and this was not a hard pull however they review the tradelines and collection account and available credit. I was denied the loan due to this same account put back on my credit report that didnt belong to me. I was furious about this same account and i called XXXX again and another investigation was done and XXXX rep stated it was accurate and it was kept on my credit report causing my score to drop from a XXXX to XXXX according to the loan people where I was trying to get a business loan from. They told me this account from XXXX caused me to get denied. I told XXXX I never had a contract agreement with XXXX. Aftergoing back and fourth with XXXX and asking for a deeper investigation and got no help from them I called the company that placed this bogus account on my credit report and they had no correct information on me. they didnt have my ss # so how they put it on my credit report is beyond me. They had all wrong addresses, the wrong place of employment and wrong date of birth. I guess they put it on a credit report of a person who has the same name as the person they are lookng for. after the irrate calls i had with many XXXX rep they finally looked into it and the company said they have no information matching me in their system and then had the nerve to ask me to send in my correct name and social security number and date of birth so they can make sure and I hung up the phone so quick because it didnt sound right. XXXX finally removed it after it caused me to lose my business loan that cause me to lose out on business and money. XXXX never verified the debt or they would have known this was not mine and the company kept re adding this to my credit report. My rights have been violated and XXXX has violated my rights and placed false and misleading information on my credit report and deafirmation of character. I am looking to sue the collection agency and XXXX per violation. alot of rules of the FDCPA was broken, FTC AND CFPB AND FCRA.
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| 07/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Thank you very much for all the help you provide. I filed a complaint a few years ago against a collection agency who was reporting an account on my credit report. it was an account created through identity theft. At the time I had sent a notarized Identity Theft Affidavit and a police report to the collector as well as to the credit bureaus and nobody was fixing the account. After I filed a complaint to you I was able to have the account deleted.
Today I am facing the same problem. A collection agency named Enhanced Recovery Collections is collecting for an XXXX account which is at {$1700.00}. I sent a notarized ID theft affidavit as well as a police report and a dispute letter to them as well as the three credit bureaus back on XX/XX/XXXX. No company has sent me a response and it has been three months. This is really hurting my credit score and preventing me from obtaining financing.
I called Enhanced Recovery Collections today along with a consumer advocate and we spoke with an individual named XXXX XXXX # XXXX. The advocate informed him of everything that was going on and XXXX XXXX said they hadn't received any notices. He asked if there was a reference # on the letters. The advocate informed him there wasn't because the credit report didn't have one. XXXX gave us a reference # and said he would send us a fraud packet. My advocate asked him to send it but he also asked why we would need another fraud packet when we are providing one that's notarized along with a police report. XXXX XXXX said it needed to be specifically for XXXX.
I understand why ERC may be asking for an XXXX specific fraud packet, but I don't understand why they haven't responded to my letter or to my credit bureau disputes I also sent. My advocate asked him the same questions in the phone call today and XXXX XXXX said they hadn't received any disputes from the bureaus either. All of this is bringing back memories from two years ago when I went through the same problems trying to remove fraud accounts from my report. Everyone was claiming they hadn't received my notices or were ignoring me. My consumer advocate let XXXX XXXX know I was going to simply file complaints because I couldn't restart the process after three months. XXXX XXXX told him he could send us to the escalations department but that wouldn't make anything faster. The advocate then told him I would file the complaint to you. XXXX then acted like he didn't care anymore and that's when the call ended.
This complaint is so you can help me again. I am very upset that I have to go through the same problem again and I am very upset that no one is doing their job again. How long do I have to suffer for this? It is not my fault I am the victim of fraud and to continue to have to put my life on hold and have my good name ruined due to fraud is very upsetting.
|
| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.
Any other action ( or inaction ) on your behalf will result in a small claims action against your company.
I will be seeking {$5000.00} in damages for the following : XXXX. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 04/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This ERC account with a balance {$2300.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
|
| 08/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date.
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.
Any other action ( or inaction ) on your behalf will result in a 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 and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I want to bring this matter to your attention. I am certain that you must receive thousands of consumer complaints and many of them must be nothing more than angry consumers ranting and raving over nothing. I will attempt to not make this another one of those complaints and do my best to make this complaint effective yet concise. For 5 months I have been attempting to fight a collection account on my XXXX credit report that I do not owe. I have attempted to fight it with the three national credit bureaus. I have also attempted to fight it with the collection agency reporting the account. They go by the name of Enhanced Recovery Corpopration. Every time I attempted to dispute the account, the account would come back with investigation results of verified. after 2 months of disputes, I decided to call the collection agency myself. I spoke with a XXXX XXXX at ERC on XX/XX/XXXX-17. Because ERC kept verifying the collection account with XXXX, I decided to ask XXXX XXXX for any supporting documentation above and beyond a simple dunning notice that the amount they were purporting was owed was actually owed. I gave specific instructions to provide me with any itemization they had and any documentation with my signature. To this date I have yet to receive any paperwork and it is still on my credit report. I have n't just stopped being proactive in this matter either. On XX/XX/XXXX, I called because no documentation had been received and the thirty day validation period had expired on XX/XX/XXXX-17. I was told by ERC that they had received the requested paperwork on XX/XX/XXXX and had sent it out. I was supposed to receive it within 7 business days. That means XX/XX/XXXX. Again I did n't receive anything. I decided to be a little patient but my patience ran out on XX/XX/XXXX. I called ERC and was transferred to the office of the President or so they claimed. XXXX XXXX was the name of the representative who I spoke with at the office of the President. I told them that I had been waiting for months for this so called paperwork they had and informed them that if I had not received the documentation I would be filing this complaint. I even gave them my personal fax number and went trough the motions for them to have it sent to me by fax since their mail obviously was either not being sent or somehow not getting to me. XXXX told me that I would receive this purported documentation very soon. Here we are 2 weeks later and again no fax. ERC seems to not have a care in the world when it comes to following rules and regulations. What more can I do to make them follow the law and stop reporting accounts that do not belong to me? I have been at this for 5 months and they STILL ca n't provide me with any paperwork. Please look into this company as I 'm sure this is not an isolated event.
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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XXXX sent a debt collection in my name to collections. I discovered the debt only after it reported to my credit bureau reports. I contacted XXXX directly and, they advised I needed to dispute it with the collection agency. I immediately contacted the collection agency and disputed the debt. I found the collection agency to be of no assistance as they refused to accept that the bill was not mine. I hired an attorney to assist me in disputing the debt. Through the attorney, a letter of representation and a request for validation of the debt was sent to the collection agency. XXXX was copied on this correspondence. Shortly thereafter the attorney received a few copies of phone bills as an attempt to validate the debt. A second letter was sent to the collection agency requesting further documentation. My attorney advised the collection agency that, the previous address ( which incidentally was not in the state I live ), the original account holder 's name was not my name, and the telephone number listed on the account was not and never was my telephone number. Upon reaching out to XXXX, it was found that the account was erroneously placed in my name. The original account holder was removed and responsibility was transferred to me. This was NOT done in person or in writing. A contract was never viewed or approved by me. I am NOT familiar with the person whom the account originally belonged to. I have never had an out of state telephone number. My attorney advised XXXX in writing that this account was moved to my name fraudulently. XXXX closed the account and, as far as I know, the phone number would be disconnected or investigated by them. Additionally, the phone that was used was an XXXX and the ISN # on the phone traced via XXXX XXXX. to an account that was reported lost or stolen by the owner. There is no trace of this account being authorized in my name. In fact, I currently have an XXXX and it has been with the same service provider for 8 years. That is the only account XXXX XXXX. has had in my name. The attorney contacted the collection agency in writing with these documented facts from XXXX, XXXX XXXX, and from my current service provider. The collection agency was urged to discontinue collections and remove the debt from my tradeline as it did not belong to me. There is absolutely no evidence or supporting documents to show any contract or permissions were reviewed or signed by me. The debt was removed from my credit report. Until recently I received an alert from my credit monitoring service that the debt was placed back on my credit bureau reports. This is irresponsible and negligent reporting. I have taken the necessary steps to prove this debt is not mine. I incurred costs to ensure this was handled in a professional and efficient manner.
|
| 11/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
|
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I have a major complain concerning lack of flexibility which exists in corporate structure, more specifically XXXX. After 22 years of marriage on XXXX XXXX, 2014 I was ejected out of the residence I used to live and asked to never return. The XXXX bill was under my name at that time and I kept a very meticulous payment cycle each month. I kept on making payments for several months, even though I was not the recipient of XXXX services provided to the property I was ejected from. I called XXXX several times to have them to either close the account or just transfer the statement to reflect the estranged husband 's name who was indeed receiving XXXX services. Which ever way I tried to reason with XXXX explaining my precarious situation, they just showed no sympathy and no care. The XXXX representative, like a robot with broken record, kept on telling me they can not close the account because I need to return the equipment, as if I was keeping the equipment as hostage for no reason. I asked them to go to the property and retrieve the XXXX equipment, because after all they had physically delivered the equipment themselves and had installed it too. I could not comprehend why they could not undo what they had done before and get the equipment back, since I could not go back to the property and be charged as a trespasser later.
Finally in XXXX 2014, I paid the last bill and wrote a letter that it was my last payment and that XXXX had the option to deal with the owner of the property, since the equipment was in his house and he was receiving the services as well. After two years, I found out via my bank that XXXX had reported me to the credit bureaus. I contacted XXXX and they told me that I owed them {$550.00} for the XXXX equipment which apparently is still sitting in that property. I paid XXXX and disclosed a letter explaining that with the payment I had absolve all lingering issues with XXXX.
Never once the XXXX representative, whom I was receiving information regarding where to send the payment to, mentioned about the account being turned over to a bill collector. Shortly after, I received a collection letter from ERC in XXXX, Florida, that they are willing to settle the debt to XXXX for the amount of {$440.00}. I have written a letter to ERC and to XXXX as well and requested not to be further harassed by them, since this is affecting my health adversely.
From the onset my intention has not been to bilk corporations and services out of their money. I have paid my dues properly and on time. It is a shame that our corporations have not flexibility in their daily operations, all they see is the dollar sign and have no compassion and to really truly try to provide services to the consumer. This is not providing services this is highway robbery.
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried so many times to resolve this debt with the original creditor. The problem is that XXXX was purchased by XXXX XXXX XXXX. My account originated with XXXX. According to any representatives I speak to, they supposedly can not see the previous notes on my account. I opened an account with XXXX. I am a renter of my home and the landlord signed a release giving permission for the dish to be placed on our roof. After a period of time, my landlord revoked the permissions and demanded the dish be removed. My apartment is above a business in the city and he wanted the dish removed. I immediately contact XXXX and advised the representative of this matter. He advised me he would send a box to return the equipment. He did, however, advise to either keep the dish or throw it away. That nobody would want it back. He advised of my final bill and we determined a disconnect date. I paid my final bill and the services were shut off as planned. Not long after that, I received a bill from XXXX. it is important to note that by this time XXXX was acquired by XXXX XXXX XXXX. The bill was a fee for early termination of my account contract. I advised the representative of the reason I had to disconnect services. She advised just like the previous rep that I would NOT be penalized because of my landlord revoking permissions. She stated the bill was an error and I had a XXXX balance owed. She stated she would correct the billing error on my account and the call ended. Months and now more than a year has gone by and, I have disputed this file with XXXX and XXXX XXXX XXXX through their corporate offices. Originally this debt was with a different collection agency. I received a letter from that collection agency that, they would no longer be collecting this debt and, they would return it to the creditor. At one point the creditor did contact me to see if I had any other location the dish could be placed. I advised him that I lived in the city, I had only one rooftop which was shared by the business below. I advised him the landlord revoked permission to have the dish on the roof. He advised me that I would not be billed the termination fee. In addition to writing and speaking to multiple reps, I also faxed and mailed a signed letter from my Landlord advising he will not allow the dish on the property as ordinances in the city limits had changed. Due to the HUGE lottery dish that must be installed for State Lottery and Food Stamp transmissions he would NOT allow another dish. I was pleased when I received the letter from the previous collection agency as I thought finally it was resolved. Now I am finding this back on my credit bureau reports with a new collection agency. This is unacceptable. I have done everything possible to rectify this situation.
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
|
| 06/16/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/XXXX, As a ten year XXXX XXXX customer, I underwent a phone upgrade while adding an additional line to my wireless service. During the process, the free phone purchase was applied to the incorrect line and required XXXX customer service to correct the service lines. Unfortunately, a supposed unexplainable error occurred impacting my account and required numerous finance technicians to correct the matter which unfortunately resulted in major account discrepancies and a sudden balance of XXXX which I was initially informed should be offset or corrected in the upcoming billing cycle. As a long time XXXX customer, I had no reason to question or distrust this answer.
it should be noted that XXXX policy requires accounts to be current before processing any upgrades of new line activations. If such balance existed on my account, the upgrade would not have been permitted.
Through numerous attempts to correct the discrepancy, XXXX representatives were unable to identify the error, the account was somehow modified with a XXXX balance for illegitimate charges including for the remaining lease of a phone which XXXX required be paid in full in order to upgrade and was done so, yet the next bill reflected a balance for the cost of two phones simultaneously tied to one individual phone line, a circumstance not allowable per XXXX policy. Remaining balance for the remaining lease of the phone was paid in full with cash in store while the new phone was free as part of a promotion with activation of a new line. This was the arrangement I signed and paid for, yet modified during the correction of the phone lines.
Numerous attempts to address the issue have been made, but XXXX representatives have been unable to understand the issue as my entire account was modified unexplainably and resulting in account changes that are incorrect, exploitive and fraudulent.
A XXXX balance is unrealistic as XXXX only allowed a XXXX credit limit, a XXXX balance would not have been approved under any circumstance and would have been disconnected at the XXXX mark, but in no circumstance would XXXX have allowed me to accumulate a bill that high, the charges were sudden, erroneous and illegitimate and are being pursued fraudulently.
As a result of the inability to understand and correct the issue, I was stuck with a XXXX balance and service termination due to my inability and unwillingness to pay these illegitimate charges. XXXX has forwarded this item to collections, and despite numerous requests for validation of the amount and dispute, I am yet to receive any logical explanation or documentation substantiating the issue and have been significantly impacted from a credit standpoint as well as hindering my ability to obtain wireless service from any provider.
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| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary.
My dispute was very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when Ifollowed up to direct dispute with them. This is a very misleading practice and a violation of my consumer rights. If the bureaus communicated in writing to me stating ERC had verified the debt, why did ERC not update the status of the entry to the bureaus as dispute. After all, ERC pays the bureaus to provide such information. They did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. ERC has been fully paid even after they received payment and did not prove I owed the alleged debt, they continue to report this entry on my credit report making it appear as if I still owe this debt. This is further diminishing my creditworthiness.
Why did they not provide a copy of the ledger to reflect any payments to them?
Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity.
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
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| 04/25/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On Saturday XX/XX/XXXX Enhanced Recovery Collections put a collection account on my credit stating that I owe XXXX XXXX {$51.00} from when I lived in XXXX, Fl in XXXX. I called them on yesterday several times and infromed them that I dont have a balance with XXXX and that this is a fraudlent charge they are trying to collect. They informed me that they have bill that states that i owe money, and that is a lie because that is not a real bill from XXXX. and I can prove it. I called XXXX and spoke with their collection dept on yesteday for an hour, they looked in their entire datebase and could not find one account that I had with a charge off balance. the account number the collection agency gave me was my old account number with XXXX. I gave XXXX the account number and there is no balance owed under that account number. I was told to go into a XXXX office which I did and for them to provide me a statement showing that I dont owe anything. They could not print out a statment given that the account was to old. However the manager took a screen shot of my account to show that I dont owe anything to XXXX under that account number. I will attach that print out he gave to me to this complaint. This collection company is knowingly trying to take my money on a fake balance and saying that they are working for XXXX to collect a balance. XXXX has not retained their services because there is nothing due to them from me. I spoke with 5 suprvisors with XXXX on yesterday in Billing, collection and customer service and not one of them shows a charged off account nor the account in question that this collection company is trying to say I owe on. Account # XXXX is the account number they say XXXX shows a balance for. Tell me this, how is it that this collection company can cliam XXXX shows a balance but when I spoke with XXXX they show no balance.This is blatant fraud on thier part. There is no balance due to XXXX for me. They wanted me to call, XXXX 's XXXX dept and sign and affidavit or something. I dont even think XXXX has a fraud dept for this and when I spoke with the real XXXX they said why would you do an affidavit and we are not collecting anything for this account. This collection company is breaking the law and trying to collect on debt that is not REAL!! I want this removed from me credit report and I have filed a dispute as well with the credit bureaus. When I called the collections company back and asked them how could I send them the copy of what XXXX gave me that shows that I dont owe them anything, the gentleman that was on the phone told me to hold on and then he hung up in my face. I called him back and he did the same thing. He did this because he knows that I have figured out what they are up to and trying to pull on me.
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| 01/07/2020 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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On or about 4 years ago, I called XXXX to buy a new phone. Immediately that phone started showing malfunctioning problems, so I contacted them to complaint. They sent me another one to replace it with another one according to a totally new XXXX and in excellent condition. However, that new phone came with problems as well as. I contacted XXXX I called several times, they made me remove the battery, turn it on again, and the " new '' XXXX XXXX XXXX. was worse than the one that came back to them.If going or incoming calls was impossible to hear the other party or vice-verse. My friends or other callers, told me that the call was heard cut off, and they did not understand me, so without other alternative they had to hung up the call or I had to do so. Most of the times the call was always dropped or the cell phone was frozen. While I had constant problems with that new cell phone, sold by XXXX, my son never had any problems, he bought his XXXX XXXX at the Mall. Therefore, my phone I bought 6 months later from XXXX, the difference between my sons cell phone was and stills in perfect condition. Having this situation I was forced to use a old non smart phone that I had bough in the past from XXXXXXXX in order to call my family and receive calls from friends, family and important calls. I trusted XXXX, I regret it, I should buy it at the Mall as my son did.
Luckily, my son decided to buy a new phone two years ago, I decided to use his old XXXX XXXX, that he bought at the Mall. That is the phone I am using since 4 years ago, almost 5. While the cell phone sold by XXXX it only lasted two years and with a lot of bad functioning problems, my son 's cell phone that he bought at the Mall is in perfect condition after almost five years, that is the phone that I am currently using the XXXX XXXX XXXX phone. I offered XXXX to return that phone that they sold to me and that stopped working, they rejected, obviously, they know what they sold me, and at all costs they want to take my money for a cell phone that they sold me with malfunctions. I was paying for that cell phone, until it totally stopped working. My question is why we have to be victims of fraudulent sales, want to force us to pay for something that is garbage? I lost my job, I wouldn't mind paying it if they had sold me something in excellent condition, but it's not like that. It is fair that I have to pay for something that was sold to me, knowing that I told them I was presenting a malfunction and did nothing to remedy that situation. I have that cell phone stored for almost 4 years, because it has not worked since I sold it XXXX, again I offer to return that bad item they sold me.
The law have to be impartial, and protect who needs help in cases of unfair actions.
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| 07/26/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, ERC and XXXX XXXX are illegally attempting to collect a debt that does not belong to me.
I received a debt collection notice from ERC on XX/XX/XXXX. I was confused as to why I received this letter, but I opened it because it was addressed to me.
I opened the letter to discover that I somehow owe a debt to XXXX XXXX in the amount of {$340.00}. I had never done business with XXXX XXXX in my life, ever!
Confused, I decided to contact ERC, the debt collectors. They never answered their phone. After contacting them through email and explaining the mistaken collection, they told me I needed to contact XXXX
I contacted XXXX XXXX on XX/XX/XXXX to get to the bottom of this. I was able to speak with someone, and after sharing with them the information on the notice which had the account number on it, they were able to see who the account belonged to as well as a starting date for service.
The XXXX XXXX representative informed me that the account was made in XXXX, XXXX. They could not locate my information anywhere even after providing my social security number. The woman on the phone literally stated they have no record of me as a customer. I suspect the name on the account was from the previous owner of the home of which I became the owner of in XX/XX/XXXX. I suspect this because they had my current address on file and relayed that the account was created in XXXX of XXXX, but provided no name. I was also XXXX XXXX XXXX in XXXX living with my parents.
After relaying these facts to the representative, she directed me to fill out an identity theft form provided through XXXX 's fraud portal on their website. I filled out the forms and provided the necessary documents to the best of my ability. They required Proof of residency from the past 8 years. In addition to providing my living history, I provided proof of purchase of my current home from XXXX, XXXX.
After I submitted all the required information I received an email from XXXX on XX/XX/XXXX stating I need to provide proof of residency from XX/XX/XXXX. To my knowledge, I can not provide this proof because it does not exist. I was a minor at that time and can not provide proof of residency from 20 years ago because I was a XXXX, in school, with no bills, job or identification.
After receiving this response I decided to submit a complaint to the CFPB.
I also notified ERC of this problem and they put the collection notice on hold until this gets sorted out.
I'm at a loss and I don't know what else to do. Please help me. I have attached all the documents I sent to XXXX XXXX for your review as well as their email response and the collection notice from ERC. I will be more than happy to cooperate with you in order to resolve this issue.
Thank you
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| 08/30/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX ACCOUNT # : XXXX. Company of XXXX. XXXX XXXX XXXX XXXX, FL XXXX. Phone : XXXX XXXX My name is XXXX XXXX XXXX XXXX. In the past I had the service with XXXX, XXXX years of contract which I finished but I still had the service out of contract, after a few months I called a XXXX agent to offer HD on my television and several times insisted with the offer while, I reiterated that I did not want any more contracts, that it was okay, I remember that I told her that my television looked perfect and I did not want the HD, she insisted, because I remember well that it was a woman and I told her that I did not want anything, She wanted contracts and she answered that it was free, that it was not a contract, to which she replied : If you want to give that service free, it 's fine, but I do not want contracts. This whole conversation was in XXXX. From there I continued with the service until I went to see the offer of XXXX, which by the way was unsurpassed by any company, included high speed Internet with television, including 3 months with free PPV channels, XXXX, XXXX, XXXX, XXXX. All this for a price of {$44.00} including taxes without a contract for XXXX year. After deciding on this option I called XXXX to disconnect the service and I learned that I had been awarded a contract, which I did not do at any time, nor gave such consent verbal or written, and I can only think that whoever awarded me the contract Contract made fraud to win the commission of that contract. The XXXX Costumer Service informed me that for breaking a contract that I never had to pay 200 and some dollars plus the amount of equipment, equipment that I returned and after calling to discuss the fraud told me that they had received them but that Now continue to charge you through a collection company to which XXXX, you, sold the liar and false debt. That same company has reported me to the credit bureau and in any case, although I report to XXXX to the Federal Bureau of Commerce for fraud and dishonest practices against the consumer, in the credit bureau have not been able to remove that report despite my insistence, That being said, it is my right to require directives from XXXX verbal or written evidence where you state that I gave my consent for a " HD '' contract. To send them to the growing office, or XXXX withdrew that fraud or if not, if they do not remove that fraudulent attempt to collect I will direct to file a police report against XXXX for consumer fraud or I will go in person to any other Office of the State of Florida or XXXX XXXX County to file a complaint. It is a lack of respect that they award fraudulent contracts to consumers and I demand that all indications of connection with XXXX and myself are deleted absolutely.
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| 09/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I am writing to complain about XXXX XXXX XXXX and a store in Florida that has been harassing me for years and says I owe them money when I do not.
I originally purchased phones from them to take with me overseas where I lived. They told me the phones would work overseas and they did not. I originally spent close to XXXX dollars on the phones, cases and a speaker. I immediately flew back to Florida to return them right away because they have a 14 days return policy in order to receive a full refund for my purchase. When I arrived, I initially called to speak to the manager and sales person who sold me the phones. They placed me on hold several times and never picked up the call. They also took many messages from me and no one returned my calls. I called XXXX and they told me to go back to the store and ask for an immediate refund which when I arrived at the store the clerk said he could not give me a full refund. I then told him I wanted to speak to the sales person who sold me the phones and he was unavailable along with the manager of the store. I finally had to call the police in order to get their complete attention and a full refund from the store. I had returned the phones on day twelve, 2 days before the 14 day return policy. All the items were still in their packages and everything in tack. I had the receipt as well. I did everything I was suppose to do in order to receive a full refund and never used the phones or phone service because the sales rep and manager of the store lied to me to make a sale. The manager had deactivated the service upon the return.. He gave me half of the refund in cash and the rest was sent by check from XXXX. Approximately a month later I received a bill for XXXX dollars without any explanation from XXXX. I called their headquarters and explained what had happened and they said they would investigate it and get back to me and never did. Soon after and still I am receiving letters from collection agencies claiming that I owe this amount. I sent these agencies letters explaining what had happened and attached and sent copies all of my receipts and names of people i spoke to at XXXX along with the names of the sales person and manager of the store. I sent emails and mailed them letters with copies of all receipts. I never heard back from them and they still list this debt on my credit report under collections. It has been over 3 years since this incident occurred and i believe that because I called the police to assist me with this return that the manager is behind this false charge or fee that has no bearing or explanation at all. Please help me to finally take this charge off my credit report. It has hurt my score tremendously and I dont know what more to do.
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| 07/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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This charge is for " Roaming Charges '' while on a cruise. I did not make or receive any calls, did not text or receive any texts ( except from XXXX ), and/or did not connect to any website while out of the country ; therefore I received no benefit. I initially disputed this charge w/XXXX, by my phone call, in XX/XX/XXXX and asked for details of the charges, which I never received. I disputed the charges again XXXX XXXX ( collection agency ), who sent a demand letter, in a letter dated XX/XX/XXXX and again requested a statement detailing any numbers that were called or received, and the web sites that were visited during the period while I was out of the country, and once again received nothing. My account was then passed on to the XXXX XXXX XXXX ( another collection agency ) and I received a demand letter from them. I wrote to XXXX XXXX XXXX on XX/XX/XXXX and informed them that the charge was not valid and that I had already disputed the charge with XXXX and another agency. I explained that I received no benefit for the charges, and despite XXXX requests, I had not received anything validating the charges. I informed them that I would not respond to any more inquiries. On XXXX XXXX they signed for my certified letter and my account was reported to XXXX as a collection on XXXX XXXX. My XXXX Credit Score has just dropped from XXXX to XXXX due to this. I 've not checked, but I 'm sure that my XXXX and XXXX XXXX scores have dropped as well. I have a collection on my credit report for a medical bill which I disputed. The scenario with that bill was exactly the same. When I would dispute it with a collection agency they would drop it and then it would be sent to another agency. I finally gave up sending letters and explaining the situation over and over again. This practice has got to be in violation of the FCRA and I do not intend to have another collection on my record that is not valid. Enhanced Recovery should be shut down based on accounts that I 've read when I researched the phone number that they called from.
Since then I received another collection letter from Enhanced Recovery Company , LLC. I have verified that they called me on XXXX and today ( XXXX ), left it ring XXXX, hung up before I could answer and left no message. The number that they called from is ( XXXX ) XXXX. I have no interest in contacting them as I have already made it clear to XXXX other collection agencies that I do not owe XXXX {$620.00} and that I requested a detailed statement which I have not received. They do not have a detailed statement as explained above. I sent a letter to XXXX requesting that they remove the collection. They did not remove it but they did indicate on the report that the account is in dispute.
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me!
The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
|
| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me!
The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
|
| 02/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hello, I have submitted a complaint regarding this issue once before a few months ago and it appeared to be resolved at that moment as I was told the collections would be removed and all was settled. Here we are now in XX/XX/XXXX and this same company has placed a collections back on my account under a different collections agency. They are harassing me and hindering my credit and I request this stop immediately.
The new collection agencys name is : XXXX XXXX XXXX Original Creditor name : XXXX XXXX XXXX XXXX XXXX Amount : {$2400.00} My original complaint regarding this issue is copied below for reference.
Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service didn't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they weren't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held XXXX since. ATT Case # : XXXX
|
| 04/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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Attached is the record of ENHANCED RECOVERY COMPANY alleging a non-existent debt and without any evidence. According to my records, this is the second time that said agency ( which must be investigated ) exposes not only me because of the reviews I have read, but also a number of people who are going through this same situation where it arbitrarily affects the empirical the three main agencies from which random and uncertain arrears charges are received without being evaluated without any type of evidence.
I wish to inform you that this agency from which you buy debts at a very low price, but without any type of evidence. in my case I HAVE NEVER HAD ACCOUNTS WITH XXXX XXXX XXXX or its subsidiaries. If it is true that I had debts with this company, I have never received collection letters because I have never made a contract with it. If this agency wishes to collect {$2500.00} Open balance, if true, I request the original contract with the company XXXX XXXX XXXX XXXX, in my name from the date of the contract until the culmination of the alleged debt. Evidence of the agency XXXX XXXX XXXX delegated the collection of said debt to the collection agency ( signed contract ). Information on the telephone number of said debt as well as where said contract was made. These practices of charging without any type of evidence is considered FRAUD and has been recognized by the Consumer Financial Protection Bureau. When these agencies of scams and legal appearance, mislead, cajole, XXXX, and hardened in the form of a ruse so that the person in a stratagem so that people fall into this falsehood. I ask the Consumer Financial Protection Bureau to carry out an exhaustive investigation of these agencies that lend themselves to collect for a few cents the collection of phantom debts and at the same time alter the record or empirical of the citizens. in my case, they enacted for good and win damages my record and empiric which I request correct and certify with evidence if that debt really exists. Otherwise, if they do not do so, they are exposed to a claim for libel and slander. The Libel and Slander Law of XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) inclining to claim for libel and slander. If this is proven, legal action will be taken against ENHANCED RECOVERY COMPANY for damage to the reputation, dignity and affront that this agency carries out.
Therefore, you are ordered to completely eliminate the records that appeared in the agencies XXXX, XXXX AND XXXX.
We formally ask the Consumer Financial Protection Bureau to exercise and direct these agencies to be meritorious, since this same practice has been repeated with too much insistence to try to collect money illegally and deceitfully.
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| 06/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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On XX/XX/XXXX and XX/XX/2021 I spoke to ERC asking for proof of this debt they claim they have in writing. I gave them my new address. Asked for a letter on XX/XX/XXXX aprox. It never came. I never received a letter. Today, XX/XX/2021 I called again. I spoke to XXXX /supervisor she stated that their verbal dispute team will send me a letter when they feel like it. [ Basically ] She could give me no date. Her high and mighty attitude was abusive in tone and words. Verbal Abuse, abusive tones which VIOLATES FDCPA the Fair Debt Collections Practices Act. Typical .She said it's against the law for them to send me a letter since I verbally disputed it. Which I WAS NOT TOLD on XX/XX/XXXX. On the first call. Where I spoke to two CSR 's who did not bother to give me that info. Even after I ask on a recorded line she still refuses to send me a letter. She claims it's harassment if she sends me a letter after I verbally disputed it. Yet, I specifically asked for a letter on a recorded line. This is a fake debt. I owe XXXX nothing. XXXX XXXX broke their contract with me. I was told it would probably be put on my Credit Bureau by the first person I spoke to on XX/XX/XXXX. Yet, it was taken off ALREADY! AND IF THEY RE-REPORT IT THEY WILL DEFINITELY BE BREAKING THE FCRA. I am being threatened with my Credit being tarnished, and refused something in Writing. They refused to update my address to XXXX XXXX XXXX XXXX, CA XXXX. All letters were going to an old address on XXXX XXXX in XXXX XXXX, an old attorney who does not represent me any longer. Which I told them on the first call. XXXX was XXXX and XXXX. Again breaking and violating FDCPA. She believes this fake debt is way more important than being cordial to her fellow humans. She acted as if I robbed a bank or something and was evading arrest. Her tones were all around lawbreaking. I will have my attorney pull their call records. No problem. ERC and all Collection Agencies are a menace to Society and break Federal and State laws on an hourly basis all across the Nation. They fake collect on Unverified, documents. They harass and harm society as a whole, without having any official verification of the debt in the way it should be done. My call began at XXXX XXXX this morning Monday XX/XX/2021. Her agents did not tell me that I would get a letter from then once they researched the fake claim. I only heard that from her today on this call. I asked for the XXXX letter though, which she refused. I warn them to tread very lightly with my Credit Report, and to think twice before they report this after it was REMOVED. XXXX XXXX XXXX. The Consumer Financial Protection Bureau has been notified of their behavior as will other entities.
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| 10/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XX/XX/XXXX, Enhanced Recovery Company ( ERC XXXX sent a letter attempting to collect on a debt of {$120.00} on behalf of XXXX XXXX XXXX XXXX. I responded with a certified letter by mail consisting of the following : " XXXX : XXXX XXXX XXXX, XXXX. Account : **** I was notified by your company on XX/XX/XXXX regarding an alleged debt. I have reason to believe that this debt is an error on the part of the original creditor as I returned all equipment and closed my account with no notice of outstanding balances in XXXX of XXXX. Since that time, I have not been informed of any outstanding debts by any individual until receipt of this letter from ERC.
I request that the following information be provided to me by mail : 1. Proof of my agreement to pay the original creditor ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, including a copy of the original account statement issued by the original creditor showing a breakdown of total amount due ; 4. Documentation showing you are licensed to collect debts in Pennsylvania.
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. Aside from the above requested documentation for purposes of verifying the debt, do not contact me about this debt.
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. '' This letter was received by ERC and they then sent a repeat of their initial letter with only the amount, and none of the other items mandated by the FDCPA. Since that time I heard nothing from the company until XX/XX/XXXX when they contacted my father. They contacted a third party without my consent, or by following the proper channels. Since then they have contacted my father 14 times, approximately once per day.
So to be clear, I am reporting ERC for : contacting a third party without consent, contacting after receiving a request in writing to cease contact, and collecting a debt that is not due.
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| 08/15/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ERC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
ERC Account Number : XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
ERC Account Number XXXX XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
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| 09/07/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ERC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
ERC Account XXXX : XXXX XXXX As a consumer by law this account must be deleted immediately.
Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts.
ERC Account XXXX : XXXX XXXX As a consumer by law this account must be deleted immediately.
Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract.
I do not consent to these proceedings.
I do not require subrogation of the bond to settle the charge.
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
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| 08/03/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
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This is a notice and demand of validation of debt and dispute.
ERC Account # XXXX This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt.
Please provide me with the following : 1. A copy of your original contract to account # XXXX under which I accrued the alleged debt for {$2500.00}.
2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter.
3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification.
5. Please also include the date which you communicated with that individual or the date by which the system was access.
6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation.
7. Please inform me of the date you opened account # XXXX 8. Please provide me a record of any payments or other reductions since the last billing statement for account # XXXX 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why.
10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office.
If you provide the requested documents, I will require at least 30 days to investigate this information you provide.
During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period.
If your office does not respond in 30 days, you have to remove it.
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| 03/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Enhanced Recovery is stating I opened an account with XXXX XXXX XXXX in XXXX of 2022 and I never opened an account with XXXX XXXX XXXX in XXXX of 2022. I want this deleted from any credit report this affects because it is incorrect and the allegation is false.
I, XXXX XXXX, a consumer, am notifying you that I dispute the debt pursuant to 15 USC 1692g. The one listed on my credit profile states it was opened XX/XX/2022 and the amount says {$1100.00} with a contact address of XXXX XXXX XXXX XXXX, FL. XXXX. It is alleging I opened an account with XXXX XXXX XXXX in XXXX of XX/XX/XXXXand I need you to provide me the notarized contract proving this and as you know, it must include my wet signature.
I do not recognize how this account is reporting on my credit report. I do not recognize the account number ; I do not recognize the account status. I also do not recognize the account high balances, nor the late payments associated with this alleged debt. I REQUEST THAT YOU PROVIDE TO ME VALIDATION OF THE ALLEGED DEBTS. VALIDATION CONSISTS OF FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND IT MUST BE NOTARIZED. IT ALSO MUST HAVE A COPY OF MY WET SIGNATURE.
Since this alleged debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of these alleged debts which includes reporting to my consumer report with XXXX, XXXX, AND XXXX.
I hereby inform you that you do not have my consent to communicate with me through any medium whatsoever. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.
I request that you provide me the Aggravated Value of Purchase showing how much you were paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY MONEY FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND IS FALSE AND MISLEADING.
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASSE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Sincerely, XXXX XXXX
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| 02/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I moved in XXXX and closed my Internet provider account at XXXX XXXX XXXX in good standing. I returned their equipment back to them in a timely matter. Somehow by XX/XX/XXXX the billing department sent me a refund check for {$160.00}. I called XXXX XXXX XXXX and spoke to XXXX in the billing department to report the mistake. She explained it was sent to me in error and the check would be cancelled and my account is good and closed. They mailed me a letter on XX/XX/XXXX stating I need to make a payment to them in the amount of {$160.00}. I called them on XX/XX/XXXX ( 15 days later ) and Spoke to XXXX XXXX XXXX in the billing department to clear up the misunderstanding. I never cashed the check ( I still have it ). They said my account was sent to an outside collection agency ( only 15 days later ). I explained it should not have been sent to an outside agency because first I returned the equipment and second I do not owe any money and third because I called right away to clear the matter up. I also sent them proof of the returned equipment, I sent proof I never cashed the check sent in error so there could be no way I owe them. The matter was told to me that they fixed the issue and my account was now all resolved and I did not owe any money. I then got a letter from the collection agency ERC trying to collect on the debt from XXXX XXXX XXXX in the amount of {$160.00}. I contacted the collection agency and sent them my proof of my documentation that I sent to XXXX XXXX XXXX before it was sent to them. They put the issue on hold. I got a credit report to find the collection still being reported on my credit report two years later. I contacted the collection agency in XX/XX/XXXX to ask why it was still showing on my credit report. They explained XXXX XXXX XXXX still listed me as oweing them the {$160.00} so they could only put the account on " hold '' and XXXX XXXX XXXX must correct the problem. I have been denied car loans, credit cards, and have suffered a lower credit score for over two years from this issue that was pushed by XXXX XXXX XXXX even though I had sent proof of not oweing them. I called XXXX XXXX XXXX on XX/XX/XXXX to complain and report the harm their incorrect reporting of oweing them has had on me for over two years. XXXX and supervior in Billing acknowledge that the notes on the account shows that it should have never been sent to collection and should have been fixed several times I called in to report the problem. They keep promising to clear it up but by now i feel what was done was fraud and damaged me as a person and my credit rating all these years for and error I clear up several times.
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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Back in XXXX I was looking at my credit report and noticed there were some accounts that did not belong to me. XXXX of the accounts on my credit report that is n't mine is being reported by Enhanced Recovery Corporation. It is for an XXXX XXXX XXXX account. I disputed the account with the credit bureaus as not belonging to me because I currently have and have had XXXX XXXX XXXX for the last 7 years! I am a current client of theirs and do not owe them any money! Well I was shocked when the account came back as verified.
When the account came back as verified, I called Enhanced Recovery to figure out how they were verifying the account. I spoke with a XXXX XXXX and asked for documentation on this supposed debt as well as an itemization of the supposed charges. I was told that " media '' would be requested and I would be provided with an itemization of these charges. 33 days later I still have n't been provided with any documentation and now I ca n't even get a straight answer as to what is going on as I am being transferred from XXXX office to another since they claim they have XXXX offices.
I am no expert on the law, but I have done research on this type of thing and from the Federal Trade Commission 's own link to the Fair Debt Collection Practices Act, a collection agency has 30 days to provide validation of the debt or stop collecting the debt as it is not a legitimate debt. Enhanced Recovery has failed to validate this debt yet still refuse to remove it from my report. Furthermore, they ca n't even give me an excuse as to why they ca n't validate it or remove it. Actually, they do n't even talk to me much because they keep trying to transfer me to supposed supervisors who are always busy. They even went as far as to say they would give me the information to the president 's office and put me on hold for XXXX minutes before the line was disconnected.
I may not have perfect credit, but I should not have to suffer illegal credit reporting for something that is not mine. I am a current customer of XXXX XXXX XXXX and have been for 7 years so how could I have a collection that XXXX XXXX XXXX themselves have not contacted me about? Enhanced Recovery is making my credit worse without proving that the debt is mine or even legitimate. Because they refuse to even talk to me, I am contacting you so you can investigate them as I am sure that I am not the only person they are doing this to. If I do not get a resolution on this I will be forced to sue them as I will not tolerate being treated like this. There are laws and just because they are collection agency does not mean they get to ignore the law.
|
| 11/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ENHANCED RECOVERY CO L ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX
|
| 05/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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|
Web |
Servicemember |
|
This company sent a negative information as retaliation to my credit report. after I reported them to the XXXX. In my prevouis report they show the account as closed and not in their office. In checking my credit report they re aged the XXXX account.
They stated in case number Case Number : XXXX Reference : XXXX, XXXX, & XXXX they showed they closed the account.
This is against FRCA reporting and I demand compensation for pain and suffering volutarlery or through small claims court.
I am also contacting my states attorney generals office for the tactics used by this company.
here is the XXXX case against them.
Case Number : XXXX Reference : XXXX, XXXX, & XXXX XXXX, XXXX : XXXX XXXX XXXXCase Number : XXXX Reference : XXXX, XXXX, & XXXXDear Consumer Financial Protection Bureau : This is in response to the complaint received from XXXX XXXX XXXX.
XXXX separate accounts were placed with our office for collection to service the delinquent portions owed.
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$260.00} and it was assigned the internal reference number XXXX. The account was later closed in our office and returned to XXXX on XXXX XXXX, XXXX. Our agency previously submitted a deletion for this account ; however it appears it was not processed correctly by the credit reporting agencies. In an effort to resolve XXXX XXXX 's concerns, our agency has submitted a manual deletion request with all credit reporting agencies associated with the XXXX account and our office. The confirmation number for this request is XXXX.
On XXXX XXXX, XXXX, we received an account from our client XXXX with a balance of {$590.00} and it was assigned the internal reference number XXXX. On XXXX XXXX, XXXX, our agency sent an initial letter notifying XXXX XXXX that his previously disputed XXXX account was placed in our office for resolution to the address on file. Said letter also informs XXXX XXXX that an investigation of his dispute has been completed. Our agency has had no communication with XXXX XXXX regarding the account to date.
In response to XXXX XXXX 's dispute, we have closed his account in our office and returned it to our client for further review. When an account is closed unpaid and returned to our client, our agency submits a deletion request to all credit reporting agencies associated with the account and our office. We will have no further contact with XXXX XXXX regarding the XXXX account. If he has further questions regarding the account he may contact our client directly at the address below : XXXX XXXX XXXX, CO XXXX
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
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I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month.
Reported by XXXX : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX XXXXXXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on.
Reported by XXXX : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX XXXX XXXX ( They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) Enhanced Recovery CO XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.
|
| 08/30/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I have received an updated letter from ERC Collection Company in regard to the XXXX XXXX account , with an updated balance. Previously I have been disputing the amount of the interest that was reflected on the collection notices without explanation or any statements provided. This interest had been added after the account was charged off, the dispute lasted over 6 months and I have not involved CFPB. During the dispute, XXXX XXXX and ERC cashed half of the checks that I kept sending every month and the other half was not cashed.
However, ERC and XXXX XXXX in the updated letter increased the balance owed.
After almost a year of complaints and disputes, the interest of {$400.00} that was charged illegally has finally been removed from the balance owed.
Now they are showing that the amount paid off to this date is slightly over {$500.00}, how is it possible if their own statement from XX/XX/22 a year back showed a balance paid to date of {$780.00}? Yes, back then it was also showing an interest of {$400.00} as a part of the amount owed and that was reflected in the higher amount owed. Now, after the interest was removed and I made payments along the time they reviewed the dispute, the balance owed decreased drastically. But, no!!!
I have copies of the cashed checks by XXXX Bank for XX/XX/22, XX/XX/22,XX/XX/22,XX/XX/22,XX/XX/22 all in the amount of {$50.00} which totals {$250.00}, I also mailed 4 other checks but during the previous dispute they were never cashed and I had to stop payment on them. Using the following numbers of the previous statements provided, if the balance owed is {$2500.00} and interest of {$400.00} is taken away, it would make the amount owed {$2100.00} then minus the cashed checks listed above in the amount of {$250.00}, it should bring the amount presently owed to {$1800.00}. It seems they are trying to remove the disputed interest, which they can't explain, from the statement visually but quietly adding it to the amount owed on purpose to collect more. Isn't it a violation of the FDCPA? Please I have reached out multiple times offering to settle this debt, but neither ERC nor XXXX XXXX are cooperative, and there is always that is done to increase the amount owed, missing payments, an interest without proper explanation or statements provided showing how it was calculated, inaccuracies that when I am trying to bring them to their attention or asking to review takes months or responded in formal, ordinary letters saying that no error was found which is exhausting and simply disrespectful, unfair and harassing.
|
| 05/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
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Web |
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I am currently in the process of trying to get a mortgage loan to purchase my first home. As all are aware the first step in the process is to pull a credit report. At the end of XX/XX/2020, I did just that, noted a few outstanding items that needed to be taken care of. None of which were for a collection. Fast forward to a few weeks later and I get an alert that my credit score had dropped due to a collection on my report, the company reporting the collection was listed as ERC with the original lender being XXXX XXXX XXXX, and had a date listed of XX/XX/2020 as the date the account was opened. I immediately called to find out what this was for. They said they were collecting a debt on behalf of XXXX and that if I paid they would remove the collection and send me a letter confirming it was paid and removed. Clearly Ive never dealt with this before so I blindly trusted. They also had an old address on file that I didnt even live at. I told them what my new address was so they could send the letter there. After I gathered the information on the account I paid the account in full. Fast forward to end of XXXX and the debt is still on my credit report has now been reported to another CA and my score has suffered greatly. I have now contacted XXXX who said that this balance was cycled through a few different collection agencies ( why had I never gotten any notices? ) and that ERC was the last to receive it. What makes no sense and is pretty unfair is that I received no notices about this collection, but somehow they were able to upload dunning documents on their portal after the fact that lo and behold now have my updated mailing address. None of which were ever physically received by me. I also never received a phone call. The only way I knew this was something was when I pulled my credit report and even then it wasnt there the first time I pulled it. Im also confused at the way this debt was handled, why did I never receive a notice from any of the other collection agencies, if this debt was being collected on behalf of XXXX why is XXXX telling me they have no control over ERCs practices. The only thing XXXX is saying they can do is request a paid in full letter be sent to me from ERC. I know that everyone is just doing their jobs but what they dont realize is that doing their jobs incorrectly is potentially costing me the ability to purchase my first home. I dont understand how its fair to report a collection when you wont even probably reach out to the person who owes the debt. Youre not giving them a chance to amend anything.
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| 08/04/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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THIS COMPLAINT IS BASED ON THE INAPPROPRIATE DEBT COLLECTION PRACTICES BY XXXX XXXX XXXX IN REPORTING ME TO DEBT COLLECTORS, MOST RECENTLY ONE NAMED 'ERC ' FOR MODEMS THAT I HAVE SINCE RETURNED AND ON TIME : THIS DEBT COLLECTION ISSUE HAS TO DO WITH AN ACCOUNT I USED TO HAVE WITH XXXX XXXX BACK IN XX/XX/XXXX. WHILE I DO NOT OWE THEM, THIS IS IN REGARD TO THEIR RETURN OF THEIR MODEMS. THEY WERE ITEMS THAT I HAD RETURNED ON TIME, BUT THEY SEEM TO NOT HAVE PROPERLY SYSTEMS IN PLACE FOR RETURN AT THEIR WAREHOUSE. SO, THIS ERROR IS PURELY THEIR FAULT NOT MINE.
I HAVE SINCE RETURNED THESE MODEMS USING THE RETURN SHIPPING LABEL GIVEN TO ME BY XXXX XXXX FOR THIS PURPOSE AND WHICH I HAVE ATTACHED TO THIS COMPLAINT.
I HAVE RETURNED TO THEM THE 4 ITEMS THAT I HAVE EVER RECEIVED AND SENT BACK, THE SHIPPING LABEL WERE ON THE BLANK SIDE OF EACH FORM.
FOR WHATEVER REASON I AM NOT SURE, BUT XXXX XXXX HAS BEEN SELLING MY INFORMATION TO COLLECTION COMPANIES ( COPIES ATTACHED ). FIRST IT WAS A COMPANY NAMED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX. THIS COMPANY KEPT CALLING ME, SO I CALLED XXXX XXXX TO DISCUSS THIS MATTER AND UPON THEIR INTERNAL INVESTIGATION THEY DETERMINED THAT I HAVE INDEED MODEMS AND THEY WERE RECEIVED IN THEIR WAREHOUSE.
THUS, WITH THAT CONFIRMATION NUMBER I CALLED BACK TO XXXX XXXX XXXX XXXX AND TOLD THEM TO CALL XXXX XXXX TO CONFIRM THAT THE DEBT DOES NTO EXIST. THEY PROMPTLY STOPPED CALLING ME OR SENDING FURTHER NOTIFICATIONS.
I THOUGHT THAT XXXX XXXX HAS FINALLY AMENDED THIS PROBLEM AND PROPERLY UPDATED THEIR RECORDS TO STOP THIS UNJUST HARASSMENTS. NOT THAT THEY APOLOGIZED OR ANYTHING BUT XXXX XXXX XXXX XXXX DID CONTACT THEM AND STOPPED CALLING ME.
YOU CAN IMAGINE MY DISMAY WHEN LAST MONTH, I RECEIVED THIS NOTICE FROM A NEW COMPANY ERC THAT I OWED XXXX XXXX FOR THE SAME DEBT OF {$310.00} AND I MUST PAY THE AMOUNT BACK. I REALIZED THAT XXXX XXXX STAFF MEMBERS ARE PROBABLY STEALING MODEMS AND DEVICES AND DENYING RECEIPT OF THEM, BECAUSE THESE MODEMS ARE TOTALLY USELESS TO CUSTOMERS EXCEPT TO THEIR XXXX XXXX ENGINEERS.
IN ADDITION, I ALSO NOTICED A LOT OF DISCREPANCIES IN THEIR ACCOUNT INFORMATION AND HOW THEY TRIED TO RESTART AN OLD ACCOUNT AND CLAIM THAT ITS MINE AND I MUST PAY FOR IT.
XXXX XXXX HAS DONE QUESTIONABLE THINGS THAT SEVERELY DAMAGED MY REPUTATION TO CREDIT COLLECTORS.
IT HAS ALSO VIOLATED MY PRIVACY AND SOLD AROUND MY PERSONAL IDENTIFIABLE INFORMATION, IN VIOLATION OF THE LAW.
THIS ISSUE NEEDS TO BE RESOLVED ASAP BECAUSE I DO NOT HAVE ANYTHING TO DO WITH THESE COMPANIES THAT ARE HARASSING ME.
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| 03/09/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 01/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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i had an account with XXXX I opened with my daughter in XX/XX/XXXX. I purchased XXXX phones. In XX/XX/XXXX, I paid off the phones and cancelled my service and left my daughter on the T-mobile account. She was paying the bill. The bills were forwarded to HER home in N.C. and she was paying them. Around XX/XX/XXXX, my daughter purchased a 2 YEAR contract w/an XXXX. I was contacted when she wanted to purchase the XXXX and I told XXXX I was no longer the owner of the account again. They again removed me from the account, approved my daughter for the XXXX and I thought that was the end of it. Then I stopped receiving my mail all together, and discovered a change of address had been put in for me so I called the Post Office and had my mail switched back to my home and I discovered XXXX was charging me for 'something ', so I called and told them I did n't have an account. They said they fix it and again I thought they 'd figure it out. I confirmed with my daughter that she was paying her bill because I continued to get bills saying my account was over due, but she assured me she was paying, so I ignored it, and figured we were just being double billed. Finally in XX/XX/XXXX I received a collection notice, when I called I was told it was for an XXXX. It turns out that XXXX was billing me for her XXXX and billing my daughter only for phone service. They were trying to hold me accountable for her purchasing the phone but were billing her for the monthly service. I called several times with my contract showing I never authorized anyone other than myself to purchase or use my account. While this point is moot as I cancelled my account in XX/XX/XXXX. There are numerous calls from me cancelling the account, and my daughter opening an account. The account my daughter opened was a special account that allowed for a two year contract with the purchase of an iphone. XXXX used my credit to give her an XXXX. I spoke with several representative there, and my daughter does n't have a problem paying for the XXXX under the terms she thought she was agreeing to, i..e a two year plan which included the price of an XXXX. I am not responsible. Further I should n't be in collections. I called this evening after having been promised that I would be removed from collections, the outstanding balance would be transferred back to my daughter 's account, she could pay over the term of her contract as it was stated and that my credit report would be corrected. Now, I 'm being told by XXXX that they ca n't do it. It 's been too long they are n't resposible.
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| 07/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have a XXXX bill currently in dispute. I filed a complaint with the FCC over their fraudulent billing practices - they had me on a plan that was supposed to last a year, but they dropped me off the plan at 6 months, and then when I called to complain, they fixed the bill. But the next month they overcharged me. And I called to complain. So they fixed the bill. And then the next month they overcharged me again. So they fixed the bill, but I dropped the service.
So I paid off the bill online - or so I thought. Because that last bill that they said they were going to fix - well, they did n't fix it. I dropped the service immediately after the said they were going to fix it, and instead of actually fixing it, they just left it at the wrong price. So I paid off the bill ( I do e-billing, so I never got a paper bill ) - but, oh, I paid too little. Because they did n't fix the amount like they were supposed to.
Fast forward to today.
ERC has never called me. They have never sent me a notice. They have repeatedly called my XXXXyear-old father and XXXX-year-old mother, who live two hours away and have never had anything to do with my account or with XXXX. My telephone number - which I have had since 2008 - was on file with XXXX, and I have never received a telephone call from ERC. NOT ONCE.
I called ERC, and they told me that I owe XXXX {$44.00}. I had a discussion with them that the debt was submitted to them fraudulently, and they said they could send it into dispute. But I had already filed a complaint with the FCC over their billing. And it 's still " under investigation. '' Probably because XXXX 's poor customer service and billing procedures are so shoddy that it 's legendary. There 's probably a whole department at the FCC that JUST DEALS WITH XXXX COMPLAINTS.
So, I talked about it with the rep some more. She explained the processes and essentially, if XXXX does n't remove the debt from their rolls, they 'll keep calling XXXX my parents, apparently, despite their number never having ever been on anything XXXX related, and despite the fact that I 've had this same cell phone number since 2008 ) and trying to collect the debt.
So I said, " That 's just more trouble than it 's worth. I 'll just pay the amount. '' And she said, " Okay, there 'll be a {$15.00} convenience fee for paying your bill over the phone. " Very long story short, ERC has been:1. Harassing people who have NOTHING TO DO WITH THIS ACCOUNT2. Charging people an exorbitant fee to pay their bill.
Thank you for your time.
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| 10/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Enhanced Recovery Company showed up on my credit bearu I disputed it with the credit bearu. As it was for an old XXXX account that was closed XX/XX/XXXX. As I could no longer afford it and was told upon closing the deposits that would be applied to the account and closed. I contacted ERC and requested detail on why they where collecting the said it was for XXXX old XXXX accounts ( XXXX lines XXXX account ) this was sometime XX/XX/XXXX. I told them I have never received a letter at all from them to dispute the collection and requested more details Some time goes by and XXXX/XXXX/2015 I contacted the collection agency again and they transferred me to the dispute department a woman by the name of XXXX said that she had already placed a request in with XXXX for a company of by account along with where the depsit was placed. She then told me the account also had XXXX of early termination fees. I told her my account with XXXX was past the early termination fee period and requested that she provide proof of my signed agreement and any recording they had from XXXX authorizing such a hefty termination fee as i had stated the account was well past the termination charges. When I called and spoke to some else I was told they would not give me any time frame as to how long they had to collection the info before they would have to remove the account without the validation. I called XXXX/XXXX/2015 and spoke with a XXXX who said that they just received the request on XXXX/XXXX/2015 and this was the first time they requested any info as it originally needed to be in writing when I told him that it I was told it was already requested he said that they had not. When I told him I want proof of all documentations as the letter I sent requested his response was we will only send you what we are legally required and that is just the statement not the originial signed agreements. A previous complaint was files under Case Number : XXXX a agency responded that they would be supply the information of the signed contract and any and all recording in regards to the early termination fee to date nothing has been provided to me from the collection agency nor XXXX. ERC removed the collection and all negative information from my report and it remained off my bureau for a couple months and now they have resubmitted the collection on all my CRA bureau as a new account as of XXXX 2015. I am demanding that they remove all negative reports from all any of my credit bureaus as they they have failed to provide proof of the agreement.
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| 01/18/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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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.
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| 07/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/XXXX I spoke with a representative from ERC regarding an alleged XXXX balance of {$1400.00}. When the packet was received I called and informed ERC the information shared was fraudulent. The signature provided within the documentation was not my signature and I did not make the purchase on the date indicated in the XXXX documentation. ERC informed me that they would follow up and send me information on how to dispute the fraudulent information. As of XX/XX/XXXX I have not received that information to dispute this information. I filed another complaint with XXXX and
FTC due to the negligence in the reporting of this debt without proper verification that this debt is valid. Upon receipt of the documentation it was confirmed that this debt is in fact fraudulent and should not be reported on my credit history. Please see the attached signature page sent to me by ERC. This is NOT my signature and should be be able to validate this debt as ERC has continued to pursue from me. Please note that ERC is not the original creditor and they are not the 1st collections
this debt has been sold to. ERC refuses to provide the information as to where/who they bought this debt from. This would show that the timeframe as reported by ERC is inaccurate and that despite all else they do not have the right to continue to pursue me for this debt.
I am also filing a complaint in the manner of how this debt continues to negatively impact my credit when it is sold to another collection agency. ERC incorrectly reports this debt as being 3 years old and that is not valid. I first began disputing this XXXX account on my credit history in XX/XX/XXXX. During that time I was denied the opportunity to receive a copy of the final bill and contract showing my signature where I had made the purchases totaling the amount referenced on my credit report. I filed disputes with all 3 credit bureaus. XXXX informed me in XXXX that they are unable to provide any assistance as the account has been closed. This account has affected my credit due to ERC not providing me with the requested documentation to dispute this account on fraudulent terms. This account should not continue to be reflected on my credit history due to inaccurate account closure/opening date, as this account has been sold to several different collection agencies over the past 6 years. Each new collection agency then reports the account as " new '' and that new report negatively impacts for credit as though the account was new and recently placed into collections.
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| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong ENHANCED RECOVERY COLLECTION company this is a written request for you to cease and desist all forms communication with me effective immediately.
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.
15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Furthermore you have no jurisdiction or authority to collect on this allege debt.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.
You ENHANCED RECOVERY COLLECTION knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON XXXX XXXX XXXX XXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
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| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Enhanced Recovery Company ( opened XX/XX/XXXX ) {$150.00} XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$550.00} XXXX XXXX ( opened XX/XX/XXXX ) {$630.00} In accordance with the Fair Credit Reporting Act, the companies listed above have violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy.
15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish an account without written instructions. 15 USC 6801 states the protection of nonpublic information.
The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose.
It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report.
15 USC 1681 ( 1 ) ( a ) ( b ) ( i ) ( 3 ) states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. A consumer may elect to have the consumers name and address excluded from any list provided by the consumer reporting agency under subsection ( c ) ( 1 ) ( b ) in connection with a credit or insurance transaction that is not initiated by the consumer.
Please be advised that under Federal Statues, the Fair Credit Reporting Act ( 15 USC 1681 et seg ) and my consumer credit statutes and subtitles D of the ARRA, section 13401, Application of Security Provisions, and Penalties to Business Associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY.
The term " breach of security '' means, with respect to unsecured PHR identifiable health record acquisition of such information without the authorization of the individual you may be held liable.
Please note that these liabilities are under the penalty rules of the Omnibus Finale Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH ) as issued XX/XX/XXXX.
HIPPA and North Carolina 's medical privacy statutes and the provisions of the ARRA section D, privacy provisions, the penalty rules of the ( HITECH ) Act as issued XX/XX/XXXX and the Omnibus Finale Rule were effective XX/XX/XXXX and the Fact Act final rules XX/XX/XXXX, are in effect in this situation. The Privacy Act prohibits a covered entity from using or disclosing an individual 's Protected Health Information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Act.
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| 10/30/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Enhanced Recovery Company ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use 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 ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXXXXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 12/03/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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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... ''
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| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
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| 05/03/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I contacted the collection agency and original creditor who have contacted me last year, in good faith, to inform them that they are attempting to collect from the incorrect person with a similar name. I checked my credit report yesterday and I noticed that this collection agency has placed this debt on my report as well as false information to the credit reporting agencies. I have never had an account with this agency or the original creditor.
This here is a XXXX and last attempt for this company to remove all personal information including, false name, phone number ( s ), address ( es ) and debt they have furnished from all credit reporting agencies. This agency is in violation of of the Fair Debt Collection Practices Act Section 807. False or misleading representations [ 15 USC 1692e ] Section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Any attempt from this agency to contact me other than to apologize for ruining my credit and to remove their false information from my credit reports, will be seen and used as false statements of their misrepresentation that I owe them as well as false information provided to the credit reporting agencies. This agency has 30 business days to remove all information they have furnished to all three credit reporting agencies including, name ( s ), address ( es ), phone number ( s ) and false debt. If this agency does not comply with the law, I see no other option but to file legal action against them.
Further, this agency has violated the of the Fair Debt Collection Practices Act Section 805. Communication in connection with debt collection [ 15 USC 1692c ] ( b ) COMMUNICATION WITH XXXX PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Due to their violation of the law, I, a third party, now have the consumer 's information including their debt, phone number, name and address. These violations need to be corrected immediately.
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| 06/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi ERC / 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 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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.
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| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE!
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
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| 10/28/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Enhanced Recovery Company ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use 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 ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 08/17/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear CFPB Team, I am writing to you today because I truly need your help in removing an inaccurate collection on my credit report.
The original creditor was XXXX and I now have a collection on my XXXX report from a charge off collection agency called " ENHANCED RECOVERY COMPAN '' The incident that occurred happened over 3 years ago. I was upgrading my cellular device and the XXXX representative from a franchise XXXX store told me that I had to change my cell phone number in order to upgrade my phone. I off course didn't know better and I thought that was part of the process. It turns out that they basically opened a completely new account and closed the old account that I had without my knowledge.
I later called XXXX customer service the same day because I suspected something was wrong and the entire experience felt very suspicious. They explained that the third party XXXX store did fraud with my account and closed my original account without my consent and opened a new one because according to the customer service rep the store sales people get paid more in commission with new accounts. XXXX informed me that because this was fraud they where not going to issue any charges on closing the old account.
Well fast forward and I learned that the account was still being charged and sent to collections. I have tried contacting XXXX about this without any resolution. I never saw a notice regarding this neither was I aware of this collection because it was fraud done from a third party XXXX franchise store and according to XXXX I was not going to be charged.
That is why I am writing to you cfpb team. The collection is completely inaccurate and fraudulent. My attempts of removing this collection has been unsuccessful and it has now appeared back on my Credit report. I would please ask that you help me remove this collection asap.
I am a very responsible consumer and my credit health and worthiness is very important to me. I have 100 % payments on time and I always ensure that I am being responsible with any new loans or debt that I acquire. I always pay them back. This unlawful collection is hurting my credit score that I have worked so hard to build and maintain.
Please help CFPB. I can only assume that I am a very little and small problem compared to all the complaints that you receive. But what has happened to me is wrong and it should not happen to anyone specially when I have been so responsible with my payments and credit.
Sincerely yours
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| 07/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear CRA/ ERC/ XXXX CFPB ; 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 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 05/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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- [ ] Re : Acct # XXXX To Whom I t May Concern: XXXX This letter is regarding account # XXXX which you claim my account was charged off {$1300.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) s ome contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX XXXX from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself. For the purpos es of 15 USC 1692 et s eq., 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. Please Note : 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. P.S. Please be aware that dependent upon your response , I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to pub lish the description of what happened? Consent pr ovided This is abou t a ( n ) Debt collection : Other ( i.e. phone, health club, et c. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong a mount DESIRED RESOLUTION
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| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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HI ERC & XXXX 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 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for code of ethics violations.
|
| 06/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
|
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XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for
consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case XXXX XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX
|
| 03/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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.
|
| 01/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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In XX/XX/XXXX/XX/XX/XXXX I was contacted by a company called XXXX XXXX regarding a bill in a name that was similar to my own and used by a previous tenant of mine who misread the spelling of my name. I promptly contacted their fraud department and informed them as well as the name of the tenant who apparently previously had an account with this company.
XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this alleged debt. On XX/XX/XXXX they were notified that this debt is not mine and requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. This was sent via certified letter return receipt requested and signed for XX/XX/XXXX by " XXXX XXXX ''.
XX/XX/XXXX I was again contacted by XXXX XXXX XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt.
XX/XX/XXXX I was contacted by ERC regarding this alleged debt. XX/XX/XXXX I forwarded the previous letters to ERC, they were also notified that this debt is not mine and I again requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication.
XX/XX/XXXX I was again contacted by ERC with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt.
XX/XX/XXXX I was again contacted by ERC in response to my dispute and was only supplied with a printed copy of a single XXXX XXXX bill but no supporting documentation requested that would validate the alleged debt.
I have gone above and beyond communicating relating to this in an attempt to address the issue in accordance with the law and all parties involved have failed to comply with the FDCPA which is there to protect people from predatory collection practices like these.
All supporting documentation will be provided via request.
|
| 03/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
1.I have never had an account with this company Enhanced Recovery Company , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Enhanced Recovery Company the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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HI ERC/ 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 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 05/05/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Re : Acct # XXXX To Whom It May Conc ern : This letter is regarding account # XXXX which you claim my account was charged off {$500.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) so me contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
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. Please Note : 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. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collectio n : Other ( i.e. phone, health club, etc. ) - [ ] Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
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| 01/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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OK here is the trouble : XXXX and XXXX subsidiaries trying to collect big bucks that were passed long ago of limitation back in XXXX when all collection attempts failed to collect because of no income in my part /unemployed /when the economy went under in YR XXXX.
So why are they now trying to collect money a second time, that was way long past due and destroying my credit reputation as well. havent they ruin my life long enough, Then they decided to return and collect the fees a second time again and destroy my credit once more for something long ago! many years ago! ( XXXX ) and they're coming back to trouble me a second time they should be ashamed.
I think this has been passed way its limitations in California regulation seven years I believe It's limitations to collect or report anything on your credit obviously they're probably breaking the law. I don't know that but obviously, they are abusing the system and it's not right. Shame on all three, XXXX XXXX and the third-party agency collecting.
yeah, I read the disgusting letters when they arrive wanting to collect for a dept that was past its time many years ago! Then upon reading Increasing additional fees from original past due {$390.00} last I remember? to collection attempts in XXXX why! - Today it is increased by {$800.00} how can that be doubled the amount? then asking to settle the payment for {$440.00} and XXXX cents. we are in the year XXXX.
We are living in critical times once more you're attempting to collect monies once more!!! when this should have fallen from its limitations years ago!! I am struggling to stay alive and make ends meet like so many Americans in dire times all over this pandemic you are a disgusting organization. sprint t-mobile ECR collection 's I believe this is already breaking the law attempts for money that was owed long ago! XXXX and XXXX you should be ashamed. Trying to ruin and tarnish my credit which took so many years to repair and recover after the economic smash in the yearXXXX when I was unable to establish or make my payment obligations. Now again they're attempting to come back and ruin and steal my life away once more. to attempt to collect something that was 16 years ago past its limitations for sure, this is wrong to ruin my credit status once more! and collecting! ( WTH ) by threatening to report to all three agencies is devasting to me! when it was due many years ago 16 years ago! CFBP please protect my rights, or advise.
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| 09/16/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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In XX/XX/XXXX, I received a Collection 's Notice from ERC. I have made one complaint against this company and now I am making my second complaint! I have told ERC repeatedly that I paid the amount that XXXX XXXX claims I owe two years ago! ERC informed me they were going to do an investigation regarding this matter! However, all their investigation concluded was the same amount from their Collection Bill!
I have been told repeatedly that I would be transferred to a supervisor, but everytime I just get hung up on! I was even told by one representative that he would pay a bill even if he did not owe it! This was only an attempt to get money out of me!
I have repeatedly disputed this charge and ERC has now informed me that they would just send this collections back to XXXX XXXX! They have not sent me any notice telling me that this has been done and according to XXXX XXXX, they are claiming that ERC has not sent this debt back to them!
ERC has not used any cursing or abusive language, but has used manipulative tactics in order to get money from me and has repeatedly lied about this debt! I did not even have to reach out to them, but I did in order to clear this matter up! ERC is deceptive!
XXXX XXXX is a fraud and should not be allowed to make money by selling this so called debt to Collection Agencies and ERC should not use deceptive practices in order to force people to pay for this bill!
I paid exactly what XXXX XXXX told me I owed two years ago! Now, out of nowhere, two years later, I receive a Collection notice from ERC! They need to believe me when I tell them I paid this entire balance two years ago and not use manipulation or lies in order to make money! I am tired of this! I want this charge dropped and for these Collection Agencies to leave me alone! If not, they will all be sued in Court, including XXXX XXXX!
The amount they are saying that I owe is : {$160.00}. The date I received the collection notice from ERC is : XX/XX/XXXX. This is from a debt from XXXX, which I paid! I showed them my bank statement, but now XXXX XXXX claims I owe more, when I have not heard from them in two years! I have tried to settle this matter with ERC from : XX/XX/XXXX-XX/XX/XXXX. I stopped then because no one will listen to me and all I continue to hear are lies and manipulating me into paying something I already paid two years ago! XXXX XXXX and ERC and any other collection agency that does these practices should be held accountable!
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| 06/08/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HI ERC ; 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 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 08/22/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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1.I have never had an account with this company ERC XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ENHANCED RECOVERY COMPANY the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 04/05/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Enhanced Recovery Company , LLC, for committing identity theft. I have never given Enhanced Recovery Company , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with Enhanced Recovery Company , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX/XXXX/23, I have not received any documentary evidence, such as a trilateral contract, giving Enhanced Recovery Company , LLC any right to collect on this alleged debt.
I have never received any documentation requesting validation from Enhanced Recovery Company , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Enhanced Recovery Company , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Enhanced Recovery Company , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Enhanced Recovery Company , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Enhanced Recovery Company , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 04/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear ERC ; 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 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XX/XX/XXXX andXX/XX/XXXX for code of ethics violations.
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| 12/18/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} AND ANY OTHER ACCOUNT IN YOUR OFFICE ASSOCIATED WITH MY SS # Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 10/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ERC FOR {$79.00} &??? WHY??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 05/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Re : Account # XXXX To Whom I t May Concer n : This letter is regarding account # which you claim my account was charged off {$870.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. P lease note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX , XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the F air Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., th is Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : 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.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
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| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/, XXXX days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/6 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a XXXX % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
|
| 06/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I am complaining about how XXXX is handling a mistake that they made which is affecting my credit, as they are not making any effort to resolve the issue after several months of attempts by me to get to resolved. All of the effort is on me to get them to fix their mistake. I already had XXXX service in XXXX with XXXX lines. After making sure the service worked OK, I ported my XXXX XXXX numbers to XXXX. In XXXX XXXX, I wanted to add a XXXX line to my Family Plan, where a XXXX line would be only {$10.00} per month, plus the cost of financing the cheapest smartphone ( adding about {$5.00} per month XXXX. I did this in a store. They made a mistake and created a new account instead of adding to my existing account. When I realized this, I called to get it corrected. Instead of moving the phone and service over, they billed me for the phone and calling plan in its entirety, as though I wanted a new phone and a one month plan. Even after XXXX months, that barely comes to {$170.00}, but their billing to me was for a single month of service and the phone. I called again and thought it was resolved. Meanwhile, the XXXX line was working on my Family Plan. Then, in XXXX XXXX, I got a collection notice. I will summarize the rest in saying I made literally hours of calls multiple times, and in XXXX cases got escalated to " supervisors '' that said they understood and could resolve the issue. Nothing has been done. XXXX reps claim that the charges have been " validated '', meaning they did nothing to look into it. XXXX isolates that credit group from the public so there is no way to speak with them, and there is no way to get it resolve. I have sent a written dispute and they changed to yet another collection company ( that is owned by XXXX ), and they are offering no time to resolution nor anyone to contact. After XXXX months and hours of my time, my credit is still affected and I can not make a home purchase. Their reps have no clue what to do, and their hidden " accounts receivable '' or " collection '' group does nothing. This should not be legal, and their mistake should not be my burden to exert such effort for. If I charged them how they charge me, they should owe me about {$150.00}. I am filing a complaint because there needs to be repercussions for this sort of behavior. My only other option appears to be suing them, but with that, there is no record of a consumer complaint. I have paperwork supporting my case.
|
| 11/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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1.I have never had an account with this company ERC XXXX XXXX REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ERC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 02/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 02/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 02/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
To Whom This May Concern : Enhanced Recovery has placed a collection account on my credit report, as dated opened XX/XX/XXXX, original creditor - XXXX, Type - collection, first reported - XX/XX/XXXX, monthly payment - non reported, credit limit or original amount - {$1000.00}, high balance - not reported, recent balance - {$1000.00} as of XX/XX/XXXX, status - collection account {$1000.00} past due as of XX/XX/XXXX this account is scheduled to continue on record until XX/XX/XXXX, date of status - XX/XX/XXXX, payment history - collection as of XX/XX/XXXX, and account history - account balance {$1000.00}. I have no idea who Enhanced Recovery is, I never have had any contract obligations with them or XXXX, I have never received any notice, mail, phone contacts, or any method of contact from Enhanced Recovery or XXXX. Enhanced Recovery has validated Under the Fair Debt Collections Practices Act ( FDCPA ) Section 807 ( 8 ), in which failure to communicate debt, proof that I am indeed the party you are asking to pay this debt, validation of date debt originated, and proof that there is some contractual obligation which is binding on me to pay this debt. In addition any agreement between XXXX and Enhanced Recovery must be provided, documenting what grants Enhanced Recovery the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Penalties against XXXX XXXX XXXX XXXX. Enhanced Recovery has never provided supporting copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. In addition the validity and the validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt and Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State, in which Enhanced Recovery clearly has not. Please have account deleted from my credit reports ( XXXX, XXXX, XXXX ).
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Enhanced Recovery has sent collections documents to me in reference to XXXX an account that I did not have nor have did I authorize this account. When I sent a dispute letter Enhanced Recovery sent me statements from XXXX but nothing showing I have conducted business with them. I have also asked for validation of this so-called debt. Enhanced Recovery nor XXXX have an actual contract that I have actually personally signed. Pursuant to 15 U.S.C. 1692g ( 4 ) ( 5 ) A contract is not validation, since I'm the alleged owner of said debt only I can validate the debt since there is no original collector of this debt there is no one other than myself that can validate that information is accurate and valid. This third party can purchase a debt but not the personal information attached.
Pursuant to 15 U.S.C. 1692g, a statement does not prove that the debt belongs to me.
I have never physically signed a lease or contract with anyone from the original creditor office nor your agency, so I need proof of how I owe this money. Especially for an account that has been transferred to a debt collector so whether I did or did not owe any money I no longer owe money to this creditor but its still showing a balance due. A statement from the original creditor or statement from your agency is not proof of a contract nor an agreement.
Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX, XXXX, and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
|
| 01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX XXXX to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of XXXX ( XXXX ) dollars. The account lists XXXX as the " Original Lender '' and " Enhanced Recovery Co L '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with Enhanced Recovery Co L. I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with XXXX. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.
|
| 05/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company XXXX XXXX XXXX ( ERC ) attempted to collect on an unvalid debt from XXXX for early termination fees that is over 10 years old. There was a class action suit filed in court in California against XXXX and the courts deemed it unlawful for them to charge these fees and as part of the settlement XXXX was to return money to consumers. ERC has placed this negative credit on my XXXX, XXXX and XXXX credit reports stating it is a valid and current debt, which is a lie! The have never contacted me because they don't even have my current address as I left the state of California 11 years ago. I disputed the report and they lied and falsely represented to XXXX this is current debt. ERC is not even part of XXXX they are an independent company that buys old debt, threatens and attempts to extort money from consumers. this website is one of many that shows complaints regarding this firm XXXX XXXX XXXX XXXX This company is lying and ruining my credit on 3 credit reporting agencies, please make them stop and clear my credit!
Here is proof of the class action suit : XXXX XXXX XXXX California XXXX Early Termination Fee Class Action Settlement Class Eligibility If ( 1 ) you are the Account Holder and had a XXXX cellphone account for personal use, with a California area code and a California billing address, ( 2 ) you paid one or more XXXX flat-rate ETFs for an early contract termination that occurred on or after XX/XX/XXXX and on or before XX/XX/XXXX, or paid an ETF under a XXXX cellphone contract that was initiated on or after XX/XX/XXXX, and terminated on or before XX/XX/XXXX and ( 3 ) you submit a claim on or before XX/XX/XXXX, then you may be eligible to recover {$120.00} for each ETF you paid.
Estimated Amount {$120.00} Proof of Purchase Cell # Claim Form Click Here to Complete your XXXX California Early Termination Fee Claim Form Case Name XXXX XXXX XXXX XXXX XXXX, Case No. XXXX Superior Court of California , County of XXXX Case Summary The settlement alleges that the ETFs XXXX charged to and collected from Class Members for terminated contracts during the class Period were unlawful under California law. The court was asked to prohibit the provided from charging ETFs In addition they requested the Court to refund to the members of the Class the ETFs that the Class Members had paid.
Settlement Pool TBD Settlement Website XXXX California Early Termination Fee Class Action Settlement
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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ENHANCED RECOVERY COMPAN Reported : XXXX. XXXX, 2020 {$1000.00} Needs Attention ENHANCED RECOVERY COMPAN Reported : XXXX. XXXX, 2020 {$690.00} To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listings. There are no contracts, no valid claim ... accounts were settled with original creditor.
Grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
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| 07/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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During my time as an employee for XXXX, I was encouraged to open a Dealer or Concession line as my business contact number. I successfully opened an account and paid monthly according to my contract. Unfortunately that phone was stolen/lost by a fellow employee and I had documentation from XXXX to verify, it was ultimately reported as lost to the company and my superiors in a timely manner. I was told by my manager to open another line, as I would n't be eligible for employee discounts if I fully cancelled my original account for 3 to 6 months. I was instructed to use my social security number to open another type of employee discount account and did so without issue. I used this new account until I parted ways with the company. I was informed that all employee accounts would be terminated upon my leaving and that all devices had to be returned. I left my phone at my store location with my manager and called into employee care to verify the information he had given me, which they did.
Nearly a year later I requested a credit check and saw that I had been sent to collections over a debt with XXXX. When I called in to see where the debt had originated I was bounced back and forth between XXXX and XXXX as neither said they could help me ; XXXX XXXX because I was a consumer, and XXXX because I had been an employee for the duration of my account.
My current position allowed me to open an employee line with XXXX although they are NOT my employer, and I used this opportunity to begin a dialogue with someone who could possibly work on clearing up this debt from within the company. After weeks of telephone and email correspondence with the gentleman, I was offered the ability to pay off the debt and then be immediately reimbursed the money if I opened another account with XXXX. I felt immensely pressured to take the offer to save my credit but ultimately decided to pass, as I was n't comfortable being forced into signing another binding contract with the company to erase a debt that should never have occurred.
Throughout the duration of this, going on two years, I have been called repeatedly by multiple Debt Collection Agencies each time the " debt '' is sold off to a new company. I 've been called at work, late in the evening, inappropriately early in the mornings, and now XXXX prompting me to submit a complaint XXXX a NEW company has begun calling my family members in other states.
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| 08/27/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim Account : ENHANCED RECOVERY COMPAN # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
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| 07/04/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS XXXX ENHANCED RECOVERY CO XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 01/24/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 03/29/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- XXXX A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 12/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am filing this complaint because I recently received a collection notice from a company called Enhanced Recovery Collections.
It was a collection notice for an XXXX account.
Even though I do n't agree that I owed XXXX anything, I started doing some investigation. However, because I was never notified that there was ever any money owed until I received this notice from ERC, I called ERC to ask for more information. I called on XXXX XXXX of 2016. The representative who I spoke with employed the stereotypical collector attitude. And after long deliberation, the representative told me that if I paid him this account in a settlement, that he would make sure that this would never be placed on my credit report. Although I was skeptical, the deal sounded too good to pass up so I went ahead and paid him.
Fast forward almost 30 days later and I have a big problem. After reviewing my XXXX account, the ERC collection for XXXX that I was told would never appear on my credit report ended up appearing on my credit report! It shows as a paid collection.
I understand that this may not be a problem to some people but it is a big problem to me. For XXXX, I was lied to and given a false promise in order to get me to pay an account I did n't even agree I owed. That is not only morally wrong but it is also illegal. Secondly, because I was lured with a false promise in order to pay this account, my right to dispute and have this debt validated went out the window. Now I am very furious.
Under the Fair Debt Collections Practices Act XXXX XXXX. False or misleading representations, " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' The collector at ERC did just that. He told me this would never hit my credit report if I paid them and I did under the premise that this would never appear on it. If I knew that what he said was a lie, I would have simply disputed the account since I still do n't think I owed it.
I have spent many years making sure my credit report is in good standing to let a lying collector simply ruin it. If ERC does not delete this account from my credit report then I will sue them. Please look into this for me because who knows what other things ERC is doing with people in their collection attempts. If they lied to me to get me to pay this, who knows who else they lied to.
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| 11/25/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 09/17/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ENHANCED RECOVERY, XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission XXXX FTC XXXX, in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
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| 07/09/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Enhanced Recovery has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim.
I have no idea who Enhanced Recovery is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Enhanced Recovery is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from Enhanced Recovery via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Enhanced Recovery as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ Enhanced Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to Enhanced Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 03/25/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have been getting harassing phone calls from a debt collector that past 2-3 months. They have been calling me from various numbers, various area codes ( up to 4 ) and similar area codes but different numbers. I have received voicemails stating " This is a message from a debt collector, please call ERC back at ... '' and then a reference number ( that has also changed a few times ). I find this to be very non-legitimate business practice to call someone from multiple numbers and different area codes. That is one of the red flags I 've noticed. Another one is that the caller does not state his name in the call nor why they are calling, nor do they state my name, another red flag. I decided to look up ERC online and checked the Better Business Bureau, Consumer Affairs and other review websites. I noticed that the overwhelmingly the reviews were negative in one way or another. I noticed a trend with words " Fraud, fraudulent, shady, fake, scam and con '' being shown a lot on the reviews. Many reviews stated the company claiming to be ERC is collecting on debts from old accounts that the person called had. Many of the reviews state the person had closed the account, paid off the account and many had called the original company only to find there were no such charges on their accounts. There were a few users who stated the companies that ERC claimed the person owed money to do not sell their debt to debt collection companies. All of these reviews seem to not follow legal business practices. I have had my identity compromised before and am extremely cautious with my accounts. I check all my accounts regularly, have an identity protection account with a company and also check my credit reports. I noticed last year that there was a claim that I owed money to a credit card I had open. I called that card company immediately and asked them to check that account. They noted I never missed a payment, paid on time and had an account that was open and in good standing. They will be sending a printed updated statement that says I have no debt and the account is in good standing. I then ordered my XXXX free credit reports for this year and noted that I did not see any suspicious charges or debt arise. This all leads me to think that this is a scam and there is fraud going on.
I have also filed complaints with other consumer protection agencies about this company
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| 10/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX Z SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE:XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 10/29/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Erc Opened XX/XX/XXXX + {$58.00} Original creditor : XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ERC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 05/21/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
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| 12/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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In 2013 I purchased a phone from XXXX. The information given to me by the salesperson in the corporate owned store was incorrect and fraudulent. Approximately one week later I returned the phone, unused, to the store. I explained to the employee and subsequently explained to the company what happened in writing. Since that time I moved and lost track of these writings, although I am still going through 6 year old papers trying to locate this information. XXXX reported the amount of approximately {$390.00} as a delinquency to all credit reporting companies. I wrote to all 3 companies and explained that this matter was in dispute. Three years later the statute of limitations in my home state of Delaware expired. Nevertheless, the credit reporting companies allowed Enhanced Recovery Company to continue to pursue this matter. I recently wrote to all three companies by certified mail, return receipt requested, and asked them to investigate this matter and remove it from my credit report. XXXX said they could not find any account in my name. XXXX informed me that the matter was being reported by ERC. ERC wrote to me recently stating they could not investigate the matter because they had no facts. When they first acquired this account the credit reporting agencies should have informed them that this matter was in dispute from the beginning.
ERC requested a slew of information that would take considerable time and expertise which I, as a senior, at this time am not able to collect. These companies have continued to pursue a debt that is not legitimate and that should have disappeared three years ago from my credit report. These companies are out of control and wield undue power to destroy a person 's peace of mind. The three credit reporting companies should have shared the written dispute over this account with ERC and are primarily responsible. They should be required to maintain all correspondence with creditors such as myself and produce it rather than relying on an individual to resurrect it after many years. Is there any mechanism for holding them responsible for the time, energy, and aggravation caused by their failure to honor a consumer 's statement that a debt is illigitimate? Can they be held responsible in a meaningful way to prevent this from happening to others in the future? Can they be held responsible to me for punitive damages?
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| 03/09/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) ENHANCED RECOVERY COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO a creditor is who collects on a debt is considered a debt collector under 1319.12 Taking assignment of debts. Sec C Subsection ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
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| 10/10/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX XX/XX/2018
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| 08/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account : XXXX XXXX # XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4.
Account : ENHANCED RECOVERY CO L # XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( XXXX XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the XXXX-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, XXXX.
|
| 08/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XXXX, XXXX and XXXX 2019, I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by Enhanced Recovery.
I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute in XXXX and XXXX of this year. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt.
The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports.
If they indeed are alleging that I owe them for a XXXX bill, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$260.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my requests, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
|
| 12/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me ENHANCED RECOVERY CO L XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 04/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
Notice for Proof of Claim Account : ENHANCED RECOVERY # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
|
| 09/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 05/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ERC Date : XX/XX/2021 XXXX : Social Security Number : XXXX To Whom It May Concern, This letter is regarding account ERC, which you claim This is my account which was placed in collection off {$4600.00} ). This is formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$2000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : 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.
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
|
| 02/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 07/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
ERC XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXXOMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
| 03/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
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This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies Enhanced Recovery and XXXX XXXX. In XX/XX/XXXX I contacted XXXX XXXX and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to Enhanced Recovery in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. Enhanced Recovery responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to XXXX XXXX who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid.
Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to Enhanced Recovery who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not.
I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report.
I ask that you please assistant me with FINALLY resolving this illegal matter.
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| 03/03/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
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| 04/01/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/27/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ERC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ERC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 12/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. ( XXXX XXXX with A balance of XXXX ) I have attached A screenshot of the reporting reflecting on my consumer report. I have NEVER had service with this company or owed this company A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address or prior invoices. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provide me with physical papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my state, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion.
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| 12/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report on XX/XX/2019, I noticed this inaccuracy and immediately sent a letter to Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary.
To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute. They have not provided any documents that bear my signature nor have they provided the original delinquency date nor a complete accounting of the alleged debt.
The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for a XXXX XXXX account, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement?
Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$660.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my request, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
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| 06/05/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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I have received a letter from ERC o n XXXX XXXX 2017 claimin g that ... I owe money to XXXX XXXX and to my recollection I have never used XXXX XXXX in the past and I do n't ever recall having XXXX XXXX at my house in the last 9 years. Creditor : XXXX XXXX Original Creditor : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount of Debt : {$50.00} Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION NOTICE Our records indicate that your balance with XXXX XXXX remains unpaid ; therefore your account has been placed with ERC for collection efforts. Upon receipt and clearance of {$50.00}, your account will be closed and collection efforts will cease. Yo u may be eligible to reactivate your service with XXXX XXXX . If you still have your equipment, yo u may only be re quired to pay a portion of your balance in order to reactivate. We can walk you through these simple steps to reactivate, simply call ( XXXX XXXX XXXX . This letter serves as notification that your delinquent accoun t may be reported to the national credit bureaus. Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us. View st atements, pay your balance, and manage your account online at XXXX Telephone : ( XXXX ) XXXX Toll Free. All calls are recorded and may be mo nitored for training purposes. Send correspondence to : ERC, XXXX . XXXX XXXX , XXXX , FL XXXX Office Hours ( Eastern Time ) : Mon-Thurs : XXXX XXXX XXXX , Fri : XXXX XXXX - XXXX XXXX , Sat : XXXX XXXX - XXXX XXXX This is an attempt to collect a debt. Any information obtained will be used for that purpose. NOTICE SEE REVERSE SIDE FOR IMPORTANT NOTICES AND CONSUMER RIGHTS Please do not send correspondence to this address. XXXX XXXX XXXX , XXXX XXXX XXXX , PA XXXX XXXX XXXX 2017. R e ference Number XXXX XXXX XXXX XXXX XXXX XXXX Amount of Debt {$50.00} XXXX XXXX XXXX XXXX XXXX , IL XXXX On the back Federal Validation Notice Our Corporate Address ERC XXXX XXXX XXXX XXXX , FL XXXX
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| 04/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX ERC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ERC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
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| 11/14/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am the victim of identity theft pertaining to a XXXX account which was opened in my name and using my Social Security Number. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The account number has a total balance of {$320.00}. The services provided for this account were rendered at XXXX XXXX in XXXX, Michigan, XXXX.
Sometime in XX/XX/XXXX, XXXX contacted me via mail to attempt to collect on the balance of {$320.00}. Upon receipt of this bill, I contacted XXXX to inform them that I had been the victim of identity theft. Under their instruction, I completed and submitted an ID Theft Claim Packet, which I sent to them postdated XX/XX/XXXX.
In support of this packet I provided : 1 ) a copy of my government issued photo ID, issued on XX/XX/XXXX ; 2 ) a copy of a signed lease agreement for my residency ; 3 ) a signed, notarized affidavit by my landlord, attesting to my uninterrupted residence.
However, I received a bill collection invoice from Enhanced Recovery Company , LLC, dated XX/XX/XXXX which seeks recovery of {$320.00}.
On XX/XX/XXXX, I contacted XXXX 's Fraud Department, an agent of which informed me that due to insufficiency of evidence, my claim had been rejected and my account had been moved into collections. This occurred entirely without my knowledge, and XXXX 's agent summarily informed me that because the account had been moved into collections, they could not reopen the claim for further evaluation. XXXX unilaterally and arbitrarily moved my account into collections despite their stated policy to contact any fraud claimant within two days of receiving their ID Theft Claim Packet ; that is, XXXX did not contact me upon receiving my packet submission. XXXX 's agent freely conceded as much.
XXXX now has taken the position that I need to submit an additional ID Theft Claim Packet due to insufficiency of evidence. I oppose this requirement because it imposes an additional burden on me of needless document production and postage, an unfair waste of my time and resources, and I further protest XXXX 's behavior as abusive because they moved my account into collections without providing me any opportunity to provide supplemental or clarifying evidence, which damages my credit report notwithstanding my blameless conduct in fact.
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| 08/03/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
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| 11/08/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My name is XXXX XXXX XXXX. I received a letter at my address addressed to 'Reuben XXXX XXXX demanding payment on an old debt to XXXX XXXX XXXX XXXX XXXX After contacting ERC ( Enhanced Recovery Comapny LLC ) to figure out what was going on ( I keep good records and have spotless credit and it wasn't addressed to my exact name so I wasn't particularly concerned for myself... ) They were unable to explain to me how their skip tracing protocol ended up with my address. In trying to confirm my identity ( rather, in trying to get me to confirm XXXX XXXX XXXX identity ) they asked me about a XXXX address which I never had ( though I have lived in New York on and off for more than a decade ). While they marked the account as an incorrect address, my concern is this, from what I'm able to piece together, it seems that ERC is sending collection letters on this particular debt to anyone who lived in the New York area and has a name remotely resembling the name on the account they're trying to collect on which, if true is blatant phishing, it certainly doesn't seem legal and it is most definitely unethical. This is made more concerning by the tone of the correspondence : " ERC has been authorized to report your delinquent account to the national credi bureaus... '' and " Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of the notice the debt will be assumed to be valid by us. '' coupled with the 'easy payment options ( XXXX XXXX XXXX XXXX or Credit Card ) and the relatively small amount of the debt in question ( {$370.00} ). At the very least, indiscriminately sending out collection letters to people will cause a great deal of stress, at the worst, it will lead to scared people paying debts they don't owe ( because of the relatively small amount and the urgency of the correspondence ). Had ERC been able to explain any other points of similarity between XXXX XXXX and myself other than our names and our having lived at some point in New York XXXX, I would chalk it up to a strange mistake, but as far as I can tell, there is literally nothing else in common between us, and there are a great number of people in the New York XXXX area with names similar to 'XXXX XXXX XXXX as neither name is uncommon.
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| 11/07/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have no idea who ENHANCED RECOVERY COMPANY is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. ENHANCED RECOVERY COMPANY is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. Enhanced Recovery did not provide any information regarding this account when I requested information from the. via certified mail XXXX XXXX XXXX XXXX XXXX.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized ENHANCED RECOVERY COMPANY as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ ENHANCED RECOVERY COMPANY } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to ENHANCED RECOVERY COMPANY, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 04/15/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attention dispute department ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 10/21/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Enhanced Recovery Company , LLC located at XXXX XXXX XXXX, XXXX FL XXXX ( ERC ) represented XXXX XXXX XXXX on a collection matter in which I owed a small sum of money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I canceled my services with XXXX XXXX XXXX in a prior time frame and had no knowledge there was a balance due after canceling. Originally I thought ERC and one other collection company were contacting for the same account. By the time I realized the account was split up and one was in collection with ERC, I contacted ERC to dispute or settle the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) portion of the outstanding bill. I promptly paid the amount requested and was told the information will be removed from my credit report once the payment has cleared. Additionally, I paid the other collection company that separately represented the Cable TV ( XXXX XXXX XXXX XXXX ) portion of my old XXXX XXXX XXXX bill and they promptly, even without me asking, removed the collection account from my credit report. However, ERC has not removed the XXXX XXXX XXXX XXXX collection account from my credit report. I have called them on at least 4 occasions regarding this matter since XX/XX/2020. On the first 3 calls, representatives from ERC told me that XXXX XXXX XXXX was responsible for removal. However, when reaching out to XXXX XXXX XXXX XXXX Office of the President, I was told they have no control over removal. Not only did XXXX XXXX XXXX mistreat me and create confusion over splitting up the originally bundled bills between services, which made me think the collections were for the same account, ERC is still creating confusion and circular conversations on who's responsible for removal. ERC was not transparent about their policies pertaining to removing the account from my credit report prior to and after me paying them. The amount due was minuscule and does not require any additional reporting to credit bureaus. Such a small sum of money does not warrant this type of aggressive collection behavior. There is absolutely no reason for it to be there. ERC appearance on the credit report gives a false suggestion that the debt is still outstanding. I am having difficulties obtaining a mortgage because of it.
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| 10/07/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ERC XXXX} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ERC I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
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| 03/26/2019 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am writing to provide a complaint that was created on my credit file on behalf of Enhanced Recovery, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by Enhance Recovery. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. Enhanced Recovery re-aged this account to appear as a new debt rather then owned by a new creditor.
Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.
Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
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| 08/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX ( ERC ) reported a collection of {$390.00} for XXXX XXXX XXXX mobility. I paid the collection in full, and actually paid extra for a total of {$400.00} for them to process the payment over the phone. The payment was made XX/XX/2018, and the money was withdrawn from my bank account the next day on XX/XX/2018. A week later, I checked my credit report and it showed a {$0.00} balance, but the entry was still OPEN. there was an option to dispute the entry with XXXX, so I disputed it to be marked as a CLOSED. the dispute came back saying the information was accurate and the balance went back up to {$390.00} showing it was never paid, and then a missed payment entry for the balance was also posted to my credit report. I have contacted ERC several times to get this false information corrected. I was told by ERC to not dispute the entry, and that they would correct the false entry and it would take up to 45 days for the information to be updated. Every time I call ERC I get told they will re submit and I have to wait another 45 days. Ive talked to supervisors at ERC but nothing has been done. I get a different response each time I call, and they claim the entry is in dispute and thats why its not updating. I have not disputed the entry since XX/XX/2018 when I was told not to dispute it and wait 45 days.
I have also contacted XXXX directly several times and submitted documents from ERC saying the payment of {$400.00} was made on XX/XX/XXXX. XXXX says they did an investigation and found that the information was accurate, which it is not. Ive attempted to resolve this for 3 months with both ERC and XXXX and both of them have been giving me the run around and telling me something different every time I call, even when I have submitted proof of payment of the debt, and submitted a written letter explaining the situation to XXXX they have not corrected the false entry. ERC is telling XXXX the information on the entry is accurate, when it clearly is not. I paid the full collection in one payment, the entry should have been updated to show a {$0.00} balance and be marked as CLOSED. i have been trying to get this resolved for months and have done everything asked by XXXX and ERC and still nothing has been done.
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| 02/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Several years ago I started receiving notices from a debt collector for a {$9.00} charge to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX for this amount. My first step, as is typical when the first notice I receive that I owe any amounts is from a debt collector, was to send a letter to the debt collector asking for proof that I owe the money. I indicated, as is true, that I was happy to pay the {$9.00} provided they could prove that I actually owed the debt. I also explained that this was the first notice I had received that I owned XXXX XXXX XXXX {$9.00}.
Apparently this is for long distance service, which I have no recollection of ever having long distance with XXXX XXXX XXXX and, since I have had a cell phone for more than 15 years, it has been at least that long since I have needed long distance service.
I received no response from that debt collector but in a few months I got another letter from a different debt collector for the same amounts. I did the same thing with this debt collector that I did with the first and sent a letter asking for proof, committing to pay the {$9.00} provided it was actually my debt and they could satisfactorily prove it was mine. That debt collector sent a response that only indicated that the amount I owed was some much larger amount. No copy of a statement from XXXX XXXX XXXX, no XXXX XXXX XXXX ledger indicating a total amount owed and a payment made that was {$9.00} short, nothing.
After that I heard nothing for a long time. But now, I have recently gotten a bill from XXXX debt collector. Additionally, I have noticed on my credit report that they have reported to credit bureaus that I am behind on a payment.
Apparently I am going to have to get the CFPB involved to get this resolved. I reiterate, I am happy to pay the {$9.00} if they can prove that I owe it. I wo n't pay any other fees since no one ever bothered to provide me with a bill that shows I actually owe the money. I also want my credit report cleaned up. I never neglected this payment or any request for payment. XXXX XXXX XXXX neglected to bill me for it and XXXX different debt collectors neglected to respond to my request for proof. That does n't make me behind in my payments. Please help.
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| 09/29/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATEXXXX ENHANCED RECOVERY CO L XXXX In response to CFPB:XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ENHANCED RECOVERY CO L XXXX any company associate with this account # ENHANCED RECOVERY CO L XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ENHANCED RECOVERY CO L XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
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| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts.
None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report.
XXXX - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company.
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX.
XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX.
XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX XXXX whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached.
XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.
All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.
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| 08/26/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX Hello I am requesting an investigation into this inaccurate reporting to XXXX and XXXX by XXXX XXXX XXXX who has sold the debt to Enhanced Recovery Collections. In addition, please investigate why they did not fulfill their agreement for payment to delete all my credit reports after they received payment.
It can also be XXXX, here is the reported collection on my credit report.
See attached letter for evidence of reported collection on my credit report.
This is the information to reach Enhanced Recovery Corporation ( ERC ) Debt Collection Phone : XXXX ( Call this number to contact ERC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXXXXXX Email/Contact : Contact Enhanced Recovery Corporation ( ERC ) using the form located on this page : http : //www.ercbpo.com/contact/ Website : www.ercbpo.com This collection was paid with the commitment by XXXX XXXX XXXX to remove the collection from my credit report with all three credit bureaus and they failed to follow through with the commitment. They only removed it from one credit bureau XXXX ( See above ). They were responsible for removing from all credit bureaus and they did not. Please investigate.
This is the specific account evidence I have to prove my payment to XXXX XXXX XXXX : On XX/XX/XXXX, I paid {$400.00} with a credit card ending in XXXX to have them remove this collection from all three credit bureaus. The confirmation of this transaction and agreement is XXXX Attached is a snippet of the payment from my XXXX XXXX Account, it cleared on XX/XX/XXXX from my bank.
I paid this to XXXX XXXX XXXX, and they still sold it to Enhance Recovery and is still listed on my credit report for XXXX and XXXX. ( See above ) I would like to have this investigated immediately and removed from all three credit bureaus immediately.
They agreed that with payment, they would delete the debt from my credit report on ALL THREE CREDIT BUREAUS.
Please look into this matter as soon as possible.
Thank you for your time.
XXXX XXXX XXXX SS # ending XXXX
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| 04/12/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I was contacted yesterday by " XXXX '' at XXXX XXXX. EST. I had just filed my taxes and was dealing with a new auto loan so I was expecting calls. When I answered the phone, she said it was being recorded. I asked who this was, and she kept repeating the question of " Is this so and so '', my full name. I refused to answer and I kept asking who is this? until she finally answered something like " I work for ERC ''. I did a quick XXXX XXXX and ERC shows up as an IRS ( government ), therefore I confirmed the zip code and city of the address she was providing. They probably do this on purpose. Only after consistently trying to hide who she was and why she was calling, did she reveal she was a debt collector. She recorded my address and requested information without letting me know who she really was. On top of that, this is a very old " debt '', that is not actually a debt. I do not owe them money and I refuse to have anything to do with that company. I have documents proving this but I am hesitant to go to court over XXXX dollars. XXXX ruined my business. Their technicians even gave me their personal numbers so I didn't have to deal with them because of how horrific they treated me. I cancelled my plan and their incompetence led to a false balance. I overpaid for services I did not receive and their lack of service led to the destruction of my business. I have no issues/debts with anyone else. I will never send XXXX a dim. They should reimburse me for the THOUSANDS they lost me.
According to FTC 807. False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
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| 08/21/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning there's a problem and he can not move further with my application. He mentioned ERC is a new account and I have to fix this problem. XXXX an account listed on my credit report that just popped up under ERC collecting for a company called XXXX XXXX for {$880.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX XXXX under the account number XXXX I was not familiar with this account and asked them to SUBSTANTIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX XXXX then removed the debt and placed it with another company called ERC. All this happened under 30 days ( see attached screenshots ) so how would XXXX XXXXXXXX XXXX send me a right to dispute or explain my rights.The Federal Trade Commission has taken action against a debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX, director of the F.T.C.s bureau of consumer protection, said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX. I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because I can not get my home to move my kids into, I will file suit with an attorney of my choice.
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| 07/22/2016 |
Yes |
- Debt collection
- I do not know
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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ENHANCED RECOVERY I asked ENHANCED FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and EHANCED RECOVERY is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( XXXX ). EHANCED has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want ENHANCED RECOVERY to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days ENHANCED RECOVERY did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for ENHANCED RECOVERY. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX.
The CONSUMER wants ENHANCED RECOVERY TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior.
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because ENHANCED RECOVERY says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on.
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE.
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer
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| 01/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I purchased a XXXX from XXXX close to 2 years ago. I was told by the sales clerk that the one I picked out for XXXX dollars was not a good XXXX, so she directed me to a more expensive one that was over XXXX dollars for the device and XXXX a month. It is a device that allows you to have wifi service through XXXX without having XXXX in the home you are in. She told me that XXXX of the XXXX dollar one would be refunded after 60 days of having it. So I bought it. I also, of course, had to sign a XXXX yr contract for it. When I took it to where I work since there was not internet service there, it had continual horrible service. I called 3 times over a two week period to speak to customer service and they said there was nothing they could do and that I could not bring it back. They also said that if I tried to get out of my contract there would be a fee for it. They also said there was no rebate on that device, and that the sales person lied to me, but even if there had been there still would n't be no rebate if I cancelled the service for the XXXX. I was told that the charge would be XXXX dollars. My dispute was that if I kept paying on a product that did n't work for the next three months ... that would be more than my rebate that I still had n't seen as promised. I got nothing but a continual lies from them. XXXX customer service was so rude that I just told them I needed to hang up. I could n't take it anymore. I still had my XXXX phone service but disconnected my XXXXI and then I paid my cell phone along with my early disconnect XXXX fee. I tried a few more times to try to get the charge taken off since it never worked in the first place and I should n't have to pay on something I ca n't use AND that I should n't have to pay just to get back a rebate that some sales person said I was entitled to and then another said that I was n't. All of this just drove me crazy so I gave up. I paid my phone bills and then just dropped XXXX since I had been with them for so long that I no longer had the initial contract with them. It is now and has been for a long time on my credit report under XXXX different companies and is bringing down my score. It is upsetting and I do n't know what to do anymore.
|
| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
|
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
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| 01/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Enhanced Recovery Company ( ERC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : The Office of Registered Agent for Enhanced Recovery CompanyXXXX ( ERC ) From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, 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 XXXX 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. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
|
| 05/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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I have made this complaint about this company Enhanced Recovery Corp. that is still showing on my credit Reports as a negative trade. The original fie was already disputed and was found to not be my account I have never signed anything with that creditor and did report that it was frequently. Enhanced Recovery Corp a collection agency has not place the same account on my trade stating that I owe which is not incorrect. Enhanced Recovery Corp. sent me a response via the CFPB stating that they will remove the trade, but it will take them up to 45 days. In one week I apply for another lease for an apartment for my family and I to move in and since I have already been denied a place to live last month because of inaccurate reporting. I know that I will get denied again because, of the inaccurate reporting cause by Enhanced Recovery Corporation via the CRA 's I have arranged to speak with legal counsel in regards to Enhanced Recovery Corporation. and the XXXX, XXXX and XXXX for False or misleading representations. I have already enclosing a copy of sections 6058, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft to the attorney General of California for the original credit and the last XXXX collection agencies. I refused to wait 45 days for Enhanced Recovery Corp to remove the inaccurate trade. Enhanced Recovery Corporation has an Inactive Status in the state of XXXX and withdrew authority to transact business or conduct business in the state of XXXX in 2010, but incorporated under the laws of XXXX. When researching Enhanced Recovery Corporation in XXXX I was not able to locate the Corporation, but discover another entities with different names other than what is reflected on my Credit Reports.
Enhanced Recovery Corporation has continues to damage financial reputation, negligently support the enablement of identity fraud, and violating the Fair Debt Reporting Act. Why does this deceptive misleading practice continue and why does the Consumer Financial Protection Bureau does not place more research on the abusive debt collection companies.
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| 09/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American, Servicemember |
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I filed a complaint against Enhanced Recovery Corp on XXXX XXXX because ERC violated the Fair Debt Collection Practices Act by failing to send me notice as required by the law before putting this account on my credit report. Your case no. is XXXX. ERC 's response to you was as follows : " As a result of this complaint, ERC has updated the account as a disputed item and placed it in an investigatory status to prevent any further collection efforts. In acknowledgement of the dispute, we have requested the account be removed from all credit reporting agencies. Please allow up to 45 days for the credit reporting agencies to process our request. '' I called ERC on XXXX XXXX to confirm that a request had been submitted. XXXX XXXX XXXX (? ) of the Compliance Dept admitted to me on the XXXX that no such request had been sent ; that it would be sent on XXXX XXXX. I called XXXX and asked how the request would be processed and was told that the computer would automatically delete the account with no human processing required. I called all XXXX bureaus on Monday and the account had not been deleted. I called all XXXX bureaus today the XXXX and the account has not been deleted and they told me that no such request was received. I called ERC this morning and was told it sent the request electronically on the XXXX. ERC 's response to CFPB was that it had already sent the deletion request by the XXXX. It also lied to me because it told me it would actually send it on the XXXX. Since the account has not been deleted from any of the bureaus, it means the bureaus have not received such a request. So, as of XXXX XXXX, no such deletion was sent or completed. When I called ERC this morning it told me to wait 45 days. ERC knows as well as I do that if I had filed a dispute with the CB 's it would take 30 days to be investigated. That is not how a request for deletion is handled by the CB 's. ERC has not only been dishonest with me and you, it continues to break the law by leaving it on my report because the courts have ruled that putting that entry on my report constitutes collection activity which is not allowed once the account is disputed. This company operates in blatant disregard for the law.
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| 09/28/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I submitted a complaint against ERC for erroneous reporting and collections tactics on a time barred account. Since then, I received verification from ERC that the debt they have attempted to collect and are reporting on my credit reports has inaccurate information, per the documents submitted to me by ERC themselves.
This is in reference to a XXXX account, which per ERC records was closed in XXXX of XXXX. The final bill sent was dated XX/XX/XXXX for {$100.00}. The collection account reported on my credit reports is dated XX/XX/XXXX- which is not only incorrect but also after California 's statute of limitations for debt reporting.
After the final bill from XXXX, according to the documents sent to me by ERC from XXXX, there was another bill dated XX/XX/XXXX for the amount of the collection, which is {$58.00}. Again, the reporting date of XX/XX/XXXX is beyond the 4 year statute of limitations for debt reporting in California. And grossly incorrect, by a time frame of over 4 years.
I contacted XXXX directly and they could not confirm whether or not the bill was paid, as their payment records only go back 5 years. They can not explain the 9 month gap between service termination and the 2nd bill for {$58.00} ; they were also unable to explain why the balance was different on both bills. Again, these debts are unverified as they have no way to confirm that no payment was received.
It should also be noted that the communications from XXXX were all sent to an incorrect address in XXXX. From XXXX of XXXX to XXXX of XXXX, we lived in XXXX, CA- which again can be verified by my credit reports. Therefore, the notifications of these alleged debts were not received.
In the letter received from ERC there is a phone number to call if I have any further questions or concerns. I have left multiple messages requesting a call back to resolve this matter but have not received a response.
My request is that this time barred, alleged debt, be removed from my credit accounts as the information is grossly incorrect, per the records submitted by ERC themselves. This should have never reported to my credit in XXXX of XXXX and I ask that this be resolved as soon as possible.
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| 11/11/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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The disputed charge made was for a cancelled service that was settled in collections last year for less than full balance with ERCXXXX XXXX XXXX Please reference documents submitted.
On XX/XX/XXXX, the original balance owed for the account # XXXX # XXXX XXXX XXXX was {$610.00}.
On XX/XX/XXXX, the account # XXXXRef # XXXX debt was settled for less than full balance to be paid in full in the amount of {$390.00}. The remaining {$210.00} was written off and account was at XXXX balance and in good standing.
On XX/XX/XXXX, XXXX XXXX recalled the {$210.00} and sent back to collections to report the account # XXXX debt was owed. I mistakenly believed the account was not paid, since the account was assigned a different reference number Ref # XXXX. After further investigation on my part, I did the math. The amount that I paid this year was a written off charge for a cancelled service that had been in good standing and was at XXXX balance as of XX/XX/XXXX.
XXXX XXXX illegally reopened the account without my permission and charged me for a service that I did not use nor owe according to the agreement made on XX/XX/XXXX.
Account was in good standing and at XXXX balance as of XX/XX/XXXX. I have made several phone calls to both XXXX and ERC to report the error and illegal activity. XXXX collections initially made a refund request on XX/XX/XXXX, Ref # XXXX, but soon declined request stating they did not owe me the {$210.00}.
On XX/XX/XXXX, XXXX told me I was suppose to get a call from supervisor, but as of today, no phone call was made.
ERC has identified illegal charge to account and has escalated investigation Ref # XXXX, on XX/XX/XXXX.
XXXX XXXX XXXX illegally opened an already settled account # XXXX from XX/XX/XXXX and charged me for a service that I did not use.
Please review the math below to verify : XX/XX/XXXX Original Balance of debt {$610.00} XX/XX/XXXX Settled for less than full balance {$390.00}, paid in full from XXXX checking account.
**Remaining {$210.00} written off as agreed to make account # XXXX at XXXX balance and in good standing. ** XX/XX/XXXX Account # XXXXRef # XXXX was reopened sent back to collections for {$210.00} and mistakenly paid in error by me.
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| 05/14/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In reference to the Merchant : XXXX who has fraudulently been using my Social Security Number to open accounts with them, in which I have not ever authorized.
Hello, Please help me with the Merchant : XXXX who has been harassing me into paying a debt I do not owe. They have opened accounts under my name/Social Security number without my authorization and due to Identity Theft. I have personally already addressed this issue with them back in XXXX, confirming this is a fraudulent account with a police report, however, they have been persistent in harassing me with several Collection companies and continually adding negative remarks to my Credit Report even after the fraudulent account already being removed.
Merchant : XXXX does not have any accurate details about me other than my name and social security number, which they have used without my authorization due to Identity Theft.
I have already disputed this fraudulent account with all 3 Major Credit Bureaus and they have confirmed Merchant : XXXX is a fraud and had been opened without my authorization.
Even after all 3 Credit Bureaus have successfully removed this fraudulent account from my Credit Report, Merchant : XXXX has continually used my Social Security Number at their own free will to add another Fraudulent Account under my name and Social Security Number.
They have fraudulently added this account to my Credit Report more than 3 times now.
The dates disputed were back on XX/XX/XXXX, for : XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report.
XXXX : XXXX XXXX : XX/XX/XXXX This item was removed from your credit report.
In XX/XX/XXXX, Merchant : XXXX has for the third time, added another collection to my Credit Report with Collection Company Name : ENHANCED RECOVERY CO L - even after this account has already been found as Fraud.
This is the third time they have used a different Collection Agency to harass me into paying a debt I do not owe.
Merchant : XXXX and their Collection company : ENHANCED RECOVERY CO L are requesting I pay them {$3000.00} USD for an account I have not ever had with them and which was opened fraudulently.
Thank you for your help with this.
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| 12/16/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company is asking for a debt that I had no legal binding contract with them regarding. I entered into an agreement with XXXX and have no knowledge of who this company is or why they've been sold my debt. Please see below for steps I am willing to take to correct this action ASAP.
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Verification of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Nevada State Statues for Lawful Purposes.3.A copy of the contract signed by both parties and therefore binding both parties.4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.6. I demand you define what $ is in law, and cite any law defining the $ symbol and what form or specie of payment under 15 USC 78m ( q ) ( 1 )?
I hereby give you 7 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within 7 days, from the above date, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; ORIt has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.
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| 04/25/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX , 2017 To whom it may concern, I have been trying to properly cancel my account with XXXX under buyers remorse since XXXX . They sent me XXXX new phones for which I promptly mailed back to them using the XXXX return shipping label Tmoblie provided. The phones were lost by XXXX in their shipping and XXXX has assumed responsibility for that claim since XXXX . Since XXXX , XXXX says they have reached out to XXXX in writing requesting several times that TMOBLIE respond to their questions before they can issue XXXX payment. XXXX says XXXX has neglected to respond to any of their requests. From my perspective, I know that both these companies have wronged me since they have not resolved this silly paperwork issue between the XXXX parties and my credit is being destroyed. Meanwhile, XXXX has placed my account in bad standing by making it appear as though I have failed to pay my debt ( that I owe them for the phones {$3600.00} ) and sent my account to XXXX different collection agencies who are currently capable of destroying my credit. I have waisted 6 months of my life reaching out to XXXX as well as the collection agencies and XXXX to no avail thus far with no resolution in site, I am viewing this inaction to respond to XXXX to resolve this issue as an action to unjustly destroy my credit. I am asking that your agency step in to try to get them ( XXXX , XXXX , a nd ERC ) to notice me so that this case can get out of the bureaucratic level and be escalated to a level where this matter will finally be resolved. You would think this should be simple to solve since XXXX fully accepts blame and is willing to pay XXXX . XXXX wont speak to me because they say the matter is between XXXX and XXXX . XXXX wont speak to me because they closed my account and sold the supposed debt to XXXX debt collection agencies. The collection agencies are very abrupt with me and only want to know if I wish to pay the debt or if not they are reporting to credit bureaus. I am an honest person, and always pay all my bills and on time. Please help me. Im really stuck and I dont know what else I can do or who I can turn to.
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| 02/24/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, XXXX, FL XXXX Phone : XXXX Fax Numbers : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ERC acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
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| 08/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This company claims that I have a balance of $XXXX with them, I have been disputing this debt because they are reporting it as in collection on my credit report, I asked this company to please provide me with a copy of the original contract which bears my signature and which it concerns the debt being collected. All that ENHANCED RECOVERY COMPANY provided me with is a bunch of copies of account bills from the years XX/XX/XXXX and one copy from the year XX/XX/XXXX. This is not enough to validate the debt that they are trying to collect, I don’t want a piece of paper showing an itemization neither. I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt (defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement) from a person located within Massachusetts. Like I said at the beginning of my complaint, ENHANCED RECOVERY COMPANY is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that ENHANCED RECOVERY COMPANY can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt cannot be validated please delete it from my credit file, as it is causing my credit worthiness big damage. Copies of account statements is not enough to proof that I opened this account, provide me with the original contract or delete the account from my credit report.
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| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Improper reporting to Credit Bureaus I found this company ERC on my credit report in XXXX of 2016 after having a lender pull my credit. I have never heard of them before and have never heard from them whatsoever. I never talked to these people or received any notice or letter from them. Was not aware of their existence until XXXX. The XXXX accounts that they reported to all XXXX credit bureaus were showing closed. I disputed them because I have never heard of this company before. After I disputed, ERC updated my credit report and started reporting them as OPEN, even though they were previously showing closed, they are old. I called the number several times to try to find out what this was about to no avail. I have yet to receive any call back or any information from anyone at ERC. Through some digging of my own, I found out that these XXXX accounts ( att and sprint ) are allegedly old debts that they bought from these companies. They must have bought them and then IMMEDIATELY started reporting them because again, they have never made any contact with me before reporting to all CRAs. The funny thing is that I have my current cell phone and tv service with XXXX, which I acquired after this supposed debt and an att representative just told me that not only can they not find any old debt that I owe, but that if I owed anything past due I would not have been able to get new services with them, without paying it or if at all. The alleged XXXX bill is an even bigger deal because it is much higher. It will always be crucial to me to verify or validate any debt that any company says I have due to the fact that I have had my SS # used by a family member in the past year ago and so I will always require validation just to make sure it actually does belong to me and to avoid becoming a victim at any point again. This was never done by ERC. As I stated, they simply bought these debts and starting reporting them, it seems. That collection tactic, I guess, is designed to shock/scare the consumer into to paying when they discover the surprise. The only thing they have done is to update my credit report and to change it from closed to open - now almost 4 years later.
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| 01/30/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hi, I had service with a phone provider ( XXXX ) My services were disconnected on XX/XX/XXXX.
My unpaid balance in the amount of {$220.00} was assigned to a collection agency ( XXXX XXXX XXXX ) and I started making payments on this unpaid balance in XXXX of XXXX.
My payment arrangement was set up to be 4 automatic payments of {$56.00} beginning on XX/XX/XXXX - XX/XX/XXXX.
I completed this payment arrangment and all 4 payments were withdrawn on the below dates : XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} There was a auto-payment error on the collection agencies end where the payment for XX/XX/XXXX did not get auto-drafted. I called the collection agency to confirm this and they informed me payment would resume on the following month no issues.
After paying my final payment to the collection agency to fulfill my obligations on XX/XX/XXXX there was no communication afterwards between me and the collection agency ( XXXX XXXX XXXX ) or my previous phone service provider ( XXXX ).
On XXXX XXXX, XXXX, I received a written collection notice from another collection agency ( XXXX ) that I had a unpaid balance due from ( XXXX ) in the amount of {$110.00}.
I contacted my previous phone service provider ( XXXX ) and the previous collection agency ( XXXX XXXX XXXX ) to get an explanation on where this additional balance owed was coming from and why this was not communicated sooner or included in the amount assigned to the collection agency I made payment arrangments with. I have not been able to get a reasonable answer.
I believe the amount owed was falsely represented when I made my original payment arrangment in XX/XX/XXXX with the assigned collection agency. I received no communication/notice that additional monies were owed/due from either the agency or my previous service provider between the time I made my last payment on XX/XX/XXXX through the time I received a written notice on XX/XX/XXXX.
This balance is now with a third collection agency ERC and was added as a negative debt owed to my collection report on XX/XX/XXXX. I've been disputing it ever since I received the notice on XX/XX/XXXX.
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| 11/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Impersonated an attorney or official
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Web |
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hello, on XXXX XXXX, 2016 I received a call from XXXX at XXXX XXXX XXXX time. The caller advised they were a XXXX XXXX XXXX representative and were trying to collect a debt in the amount of {$820.00} for a unreturned cable box. The caller was unable to provide any account information in reference to the time warner cable bill she was trying to collect for so I requested to dispute the amount/bill.
I then called the XXXX XXXX XXXX XXXX Customer Service number to speak with a representative in regards to the amount due. I provided XXXX XXXX XXXX with all my personal information needed to access an account and the XXXX XXXX Representative had absolutely no record of an account.
I called XXXX to discuss the questionable amount due since XXXX Customer service has no record of an account. The company recording advised it was ERC, a debt collecting agency. Why did they misrepresent themselves as a XXXX representative on the first call XXXX/XXXX/2016? The ERC representative was unable to provide any verification for the bill/amount and advised it needs to be paid. I advised them XXXX has NO RECORD of an account your claiming is past due. The representative then placed me on hold and provided me with the XXXX XXXX XXXX Fraud Dept Number and advised me to contact them to dispute the matter. So I contacted the XXXX fraud Dept and was told there is nothing they can do since there is no account to access or investigate.
I called ERC, again who posed as XXXX in the initial call made XXXX/XXXX/2016, and advised them of the issue. They were still unable to provide any form verification of the debt and advised they do not have any original information for the debt, just the amount. I 've requested ERC provide the audio/media from the initial call received XXXX/XXXX/2016, stating they are from XXXX. At which point, the representative hung up. I 've called them numerous times requesting more information for the debt they are claiming I owe and have been addressed in a VERY unprofessional manor and hung up on.
Please assist as this has affected my credit report and ERC is unwilling and unable to provide any verification of the amount they are stating I owe.
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| 09/09/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To whom it may concern ; I have recently reviewed my credit report and had noticed huge discrepancies. I have noticed your agency, ERC, as a collector of debts, attempting to collect a debt I am not aware of. Back in XXXX I have reached out via email to recover proof of the original purchase agreement with signatures from all parties from ERC but never received a letter of debt validation from your agency. I believe you are legally bound to do so before collecting on said debt. I, as a consumer, has the right to validate and or dispute the alleged debt. If youd be so kind to provide me with a few things as proof of validation of the alleged debt owed and any late payments accrued I would greatly appreciate it.
A copy of the original contract or original purchase agreement that created the alleged debt. if the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.
In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership, Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.
Also include a full accounting history from the original creditor including the date and leading amount of each payment and the Date of First Delinquency to the collection status.
lf any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement.
Proof you are legally allowed to collect on alleged debt in the state of Pennsylvania, including collect on alleged Third-Party Debt Collection Bonds.
Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including any copies of the original notice and any letter tracking your firm maintains. FTC vs XXXX XXXX XXXX make clear that it " debt parking without proper notices is a violation of consumers rights.
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| 01/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
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Enhanced Recovery Company LLC. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about an item on my credit report.
I recently retrieved a copy of my credit report, I noticed a collection account for {$340.00} from ERC and immediately sent a Certified Letter to Enhanced Recovery Company LLC on XX/XX/XXXX. Requesting that they provided proof of this alleged collection account number XXXXXXXX and the alleged agreement with MY SIGNATURE. As well as documentation detailing the XX/XX/XXXX date in which this alleged collection account became delinquent.
After receiving no response to my First Certified Letter requesting to see any Original Contract or Service Agreement WITH MY SIGNATURE I mailed a Second Certified Letter on XX/XX/XXXX as evidenced by my receipts from the post office that I have provided. As of XX/XX/XXXX Enhanced Recovery Company STILL HAS NOT PROVIDED ANY DOCUMENTATION THAT BEARS MY SIGNATURE, nor have they provided me with the alleged delinquency date nor complete accounting of the alleged debt of {$340.00}.
I wish to see the Original sources of the information reported, including but not limited to, the Original Contract or Service Agreement WITH MY SIGNATURE. If you can't provide me with this information, please REMOVE THE ACCOUNT IMMEDIATELY as neither your agency nor I can verify that this account information is being reported accurately.
The First violation is that Enhanced Recovery Company inserted this unverifiable, inaccurate entry on my report and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of the Two Certified Dispute Letters I mailed them.
This is a conscious, willful and blatant FDCPA violation. Enhanced Recovery Company must IMMEDIATELY DELETE this erroneous entry from all of my credit reports.
Enhanced Recovery Company is refusing to respond to my request, yet they continued to report this inaccurate and unverifiable entry.
Enhanced Recovery Company delete this entry immediate and provide me with a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry as well.
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| 08/05/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American, Servicemember |
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On XX/XX/XXXX , I checked my credit scores from XXXX , XXXX , and XXXX in order to obtain refinance for our mortgage loan. My credit scores with all XXXX ( XXXX ) credit bureaus were low due to XXXX XXXX XXXX and their 'third party collection agency, '' ERC. XXXX XXXX XXXX had referred my account in the amount of {$160.00} to the collection agency ERC. I had filed a complaint with Better Business Bureau against XXXX XXXX XXXX regarding my cell phone billing. My complaint is based upon cancelling my services due to poor coverage, making monthly payments, and billing from their third party ERC, collection agency. Prior to that, I had an old account with XXXX XXXX XXXX then when I signed up again it went to another account. I spoke to XXXX XXXX XXXX , Manager Executive Response regarding the billing problem on XX/XX/XXXX . As he had indicated on the BBB response that part of the payments paid off the balance on that account and the overpayment was refunded. There was a credit balance on the account that he transferred to the account in question. I had mentioned about the refund. Subsequently, as consumer I rebutted to the business response. XXXX XXXX XXXX response that I work with the third party collection agency to settle the balance. On XX/XX/XXXX , I contacted XXXX XXXX XXXX third party collection agency, ERC, to settle the account. I talked to XXXX XXXX , ERC representative and the settlement owed is {$81.00}. We discussed settlement payments for XX/XX/XXXX in the amount of {$40.00} and XX/XX/XXXX , {$41.00}. ERC attempted to charge me {$28.00} in order to initiate this transaction, which I was not willing to pay, then offered me {$8.00}, and again {$2.00}. As per my phonecon with XXXX XXXX , I told him to waiver it since I am a XXXX veteran, XXXX XXXX XXXX and living on a fixed income. XXXX XXXX XXXX hired ERC, third party to collect a debt which drastically affected my credit scores and prevented me from refinancing my mortgage, obtaining a loan, or purchase a brand new vehicle. This is totally unfair and it appears on my credit rating.
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| 08/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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To make this short and concise, I will describe the situation.
Enhanced Recovery put an XXXX collection on my credit report a few months ago. I have attempted to dispute this account with the XXXX credit bureaus because I have had uninterrupted service with XXXX XXXX XXXX for 15 years now. The credit bureaus claimed that this account was verified as legitimate by Enhanced Recovery.
After calling Enhanced Recovery, a representative named XXXX XXXX could n't say what the debt was for and could n't provide me with details of the charges but instead kept telling me to go talk to XXXX XXXX XXXX about this debt. When asked to speak to his supervisor, the line was put on hold and eventually hung up. They were called immediately back and I finally spoke with a supervisor.
The Supervisor claimed that it was for a landline phone that was connected from XX/XX/XXXX to XX/XX/XXXX he claimed that bills were sent to me with no response but he gave me an address I have n't lived in for many years. When the supervisor was asked why XXXX XXXX XXXX had never sent me a bill or contacted me about this debt he could n't answer. When asked why his company had n't contacted me either he still could n't answer. Finally, when I asked why his representative XXXX XXXX could n't say what this debt was about and why I was being told to get any relevant information from XXXX XXXX XXXX themselves but now the supervisor himself supposedly had the information to give me the supervisor could n't give me a response either.
This debt is not mine and I do not owe XXXX anything. I have had service with them for 15 years and if I truly owed them anything they would have notified me. After all, they do have my current phone number and address. This debt is invalid and I believe Enhanced Recovery is trying to collect this debt fraudulently. They already " verified '' it with the credit bureaus when they know full well they ca n't.
This account is literally the only account preventing me from buying a house and if Enhanced Recovery does n't quit it 's illegal collection tactics I will be forced to sue. Houses are n't getting any cheaper and I am not getting any younger.
|
| 03/10/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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The collection company ERC ( Enhanced Recovery Company ) is attemptimg to collect debt for a very old XXXX cellular account.
The cell phone account is closed, but the member account is however open to log in and rectify your balance.
XXXX initiated a collection company years ago, but I believe there's been two collection company trying to collect on this old account.
Most recently, ERC ( Enhanced Recovery Company ) XXXX. XXXX XXXX XXXX, FL XXXX XXXX.
The XXXX account past due XX/XX/XXXX on the website indicates the amount due is {$270.00}.
ERC ( Enhanced Recovery Company ) Obviously didn't know, I was paying XXXX directly through their website and had dates process, amount of money pay and confirmation numbers from XXXX.
Recently I owed XXXX {$470.00} and I paid the XXXX account on XX/XX/XXXX {$200.00} decreasing the account balance to {$270.00}.
I expected the payment, like others to be reported to the credit bureau.
That didn't occur this time around like the payments of {$24.00} on XX/XX/XXXX and {$20.00} XX/XX/XXXX.
I paid {$200.00} to cut into the {$470.00} decreasing the account to {$270.00} and ERC ( Enhanced Recovery Company ) falsely claims that no payment was made and they increase the account debt by {$200.00} to indicate that I still owe the {$470.00} on my credit report.
ERC ( Enhanced Recovery Company ) falsely reported a {$200.00} increase on my credit account because I dispute the accuracy of the total amount due and I'm assuming because I didn't pay them.
I payed XXXX XXXX company online member account in the last 13 months {$240.00} toward the {$470.00} that was owed.
I pay on XX/XX/XXXX {$20.00} confirmation number XXXX XX/XX/XXXX {$24.00} confirmation number XXXX Recently, XX/XX/XXXX {$200.00} confirmation number XXXX ERC ( Enhanced Recovery Company ) wanted to fraudly and negatively affect my credit rating by increasing the account by {$200.00} to indicate the previous amount {$470.00}.
I owe XXXX XXXX company {$270.00} ERC ( Enhanced Recovery Company ) has broken the law and fraudulently reported and increase the amount of due to collect on money that was paid to the original creditor.
|
| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Fax : XXXX.
Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX Account # L XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXXXXXX XXXX Account # L XXXX account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
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| 07/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY COMPANY Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY COMPANY Reported : XX/XX/XXXX. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database.
SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX
|
| 11/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have made several requests to Enhanced Recovery Company to validate the account in there office. I never received any notification that Enhanced Recovery Company had the authority to enforce a claim upon me. No proof of Claim whatsoever. Enhanced Recovery Company claim does n't meet the standard of the state of OHIO XXXX XXXX This would include affidavits since said records or documents upon which their office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows Enhanced recovery or any third party law firms and collection agencies are in accordance with the XXXX. XXXX OHIO XXXX XXXX XXXX Taking assignment of debt : XXXX XXXX XXXX XXXX No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.
( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.
( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
|
| 04/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between ENHANCED RECOVERY COMPANY and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX, are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations. Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.
|
| 01/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
1. XXXX XXXX {$580.00} 2. ERC {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible.
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.
Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made.
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
|
| 05/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I had cellular phone service with XXXX. I lived in XXXX XXXX when I got the device and the service was ok. Not good. Ok. It never worked In XXXX XXXX XXXX which they attributed to a it being busy. Then I met my fianc. She is a XXXX. I moved from XXXX XXXX to XXXX to be with her after about a year of dating. I noticed I often had no bars of service in our home. I complained numerous times to XXXX and it was always the same person. I believe his name was XXXX. Im not sure. Anyway XXXX told me the service was great in my area. Full of 4G. Maybe just my house was bad. Then one day I had no service at all. From XXXX to XXXX NJ where I work. The tower went down and remained down for over 8 hours. They told me at first theres no problems. Then there tech support on XXXX acknowledged that a tower was down. They credited my account only after I filed a complaint with the fcc. Then my phone stopped working in my house. A bill I have to lay out payments for every month. I filed another complaint with the fcc after getting no help from XXXX. XXXX contacted me again. When I voiced my displeasure I was told service isnt guaranteed indoors. Use WiFi calling. This is not how you resolve an issue. XXXX then credited me XXXX dollars. Then about a month later when I was at XXXX XXXX in XXXX NJ I had no service again. This time my XXXX girlfriend fell out of her XXXX and couldnt get off the floor. She laid on the floor XXXX for over two hours because I had no phone service. I again spoke to XXXX at which point I requested to be let out of my lease. I was told under no circumstances do we do that. So I I had no choice but to switch on my own to a reliable company. I returned XXXX device. The service and customer service was unacceptable. Then in the middle of the night they attempted to just charge my bank card on file XXXX dollars. I dont feel I should owe this debt. I must have filed 9 fcc complaints in 4 months living in XXXX NJ. XXXX never attempted to resolve anything. They just want to push you aside and tell you how great they are. Telling me to use WiFi for service indoors is unacceptable.
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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This letter is regarding account # XXXX, which you claim I owe {$870.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : 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.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
|
| 02/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear CFPB, I am writing to file a complaint regarding a debt collection activity that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I received an itemized list of alleged charges from Enhanced Recovery that claims I owe them money. However, this does not meet the Federal Trade Commission 's guidelines for proper debt validation under the FDCPA.
I dispute the validity of this debt and demand strict proof and verification of the same, in accordance with 15 U.S.C. 1692g ( b ). I have requested debt validation in writing, and the collection the agency should have ceased its collection efforts immediately upon receiving my request. Despite this, the collection agency proceeded to obtain a default judgment against me on the debt collection claim without first providing verification of the debt, in violation of 15 U.S.C. 1692g ( b ).
I am aware that the collection agency is reporting this collection on my credit report, which constitutes a collection activity. This is in violation of the FDCPA, and I am entitled to collect damages of up to {$1000.00}, plus actual damages and attorney 's fees, if I file a claim in small claims court. These collections on my credit report are causing me severe problems and are preventing me from obtaining a home loan, with the potential for damages to reach into the thousands of dollars.
Furthermore, I believe that the reporting of this invalidated information to major credit bureaus may also constitute defamation of character. The Fair Credit Reporting Act ( FCRA ) does not allow for the inaccurate reporting of information on my credit report. If the collection agency does not immediately remove this account from my credit report, it is subject to another {$1000.00} fine, plus punitive damages. Your company may also be in violation of the FCRA if it does not comply with this request.
I look forward to hearing from you within 15 days regarding this matter. If I do not receive a response, I intend to pursue legal action.
Thank you for your prompt attention to this matter.
Sincerely,
|
| 07/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XX/XX/2020 To Whom It May Concern : This letter is regarding Account Number : XXXX, which you claim I owe {$1100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : 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. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
|
| 01/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Dear XXXX XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
|
| 06/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract.
2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23.
3. Proof of Claim that ENHANCED RECOVERY COMPANY has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency.
I hereby serve Notice that failure to provide Proof of Claim by ENHANCED RECOVERY COMPANY has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring ENHANCED RECOVERY COMPANY from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX.
It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another.
Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of ENHANCED RECOVERY COMPANY agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further.
6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.
|
| 12/02/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Dear CFPB, I am writing to file a formal complaint against ( insert name of collection agency ). This company may be improperly collecting on a debt/ REPORTING an authorized account. I am thus seeking further proof of the debt allegedly owed. On the following page, youll find more details about our complaint.
To help you identify me, my name is XXXX XXXX XXXX My date of birth is Date of Birth : XX/XX/1980. My Social Security Number ends in SS # : XXXX Please forward this complaint to the agency mentioned above. You may reply to this complaint by email or written mail.
Mailing address : Sincerely, XXXX XXXX XXXX XXXX : Letter To Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXXTo Whom It May Concern, I am seeking more information regarding a debt youre collecting and appearing on my credit reports. My Social Security Number is XXXX # : XXXX. I was born on Date of Birth : XX/XX/1980 I believe that this collection account is not reporting correctly. I thus dispute this debt. I was often asked to stop reporting an account paid to the creditor. I request that the following information be provided within 21 days of receipt. If you dont wish to give this information please remove it from all applicable credit reports : 1. Please provide me with proof that I owe this debt. This includes but is not limited to, an agreement with the original creditor to make payments on this debt.
2. Please also provide proof of the amount owed on this debt. That includes but is not limited to, an account statement and proof of payment history. If youve added additional fees and interest to this debt, please prove youre authorized.
3. Please send documentation showing that the original creditor sold you this debt OR otherwise authorized you to collect on this debt.
4. Please submit authorization ( if required by state law ) of your legal authority to collect on a debt in the state where our client resides.
You may write to me at the address listed above.
Sincerely XXXX XXXX XXXX
|
| 12/03/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 07/15/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 07/15/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 06/01/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 06/08/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 06/09/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The original creditor is XXXX XXXX XXXX. This account is in collection for all three credit bureaus. The account was bought out by enhanced recovery group. I explained to them that i would seek resolve through XXXX XXXX XXXX but i never get anywhere. I tried last month in XX/XX/XXXX and also XX/XX/XXXX to pay them for what was owed on my account. The problem is they are charging me for equipment plus past due service balance which is {$900.00}. I would like to pay the balance but not the equipment charge because i returned the equipment. Everytime i call them they give me the run around, i have to wait on hold for hours and then i get switched from one representative to another, just for them to tell me i have to wait two billing cycles for them to investigate. I did that and called back after a month and they tell me the same thing. They claim they do n't have a record of me returning the equipment. They asked did i have a receipt of this. I 'm upset because this happened back in XX/XX/XXXX. No i do n't have the receipt, but i did return the equipment. I just want to settle this debt and be done with them. They continue to hurt my credit. According to my bank statement, I paid enhanced recovery back in XX/XX/XXXX for a debt showing on my bank statement. I will be calling tomorrow to see if it was for XXXX XXXX XXXX.XXXX They are charging me for equipment that i returned to them and i do n't think it is fair. They told me i need to have my receipt. I disagree. All of their equipment has serial numbers on them. They will know if i returned the equipment because the equipment serial numbers will be used by another customer if so. I just feel they are being rude giving me the run around and i want this resolved so this can be removed off my credit. I am trying to get a house and this does not look good on my credit. It hurts because they know i have tried calling to straighten this thing out. Supervisors/managers claim they would call back and never did. However, they continue to insist that i call enhance recovery instead. I am in desperate need of help..
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| 07/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been trying to buy a house for nearly four months now. The lender who I've been speaking to said that my score was fairly good and I was only a few points from qualifying for a conventional loan. After showing me my credit report, we saw that the only thing on my report which could be considered negative was a XXXX XXXX collection which was opened on XXXX of 2018. I didn't know what charter communications was so I looked them up. It turns out that XXXX XXXX is XXXX. XXXX also bought out XXXX a few years ago and XXXX bought out XXXX XXXX a few years before that as well.
After finding out who the company really was I was confused and angry. I was confused because I know for a fact I did not open a XXXX / XXXX on XX/XX/2018 or anytime close to it. I was angry because the last time I did have a XXXX / XXXX was before I lived in XXXX. I've lived in XXXX for the last 7 years! Knowing collections can only stay on your credit report for 7 years I knew this account had to be disputed. This collection, even if it was mine, was past the statute of limitations. I went ahead and disputed the account with Enhanced Recovery collections and the three credit bureaus. I did so in XXXX, XXXX, and XXXX. I never received responses from anybody. a few days ago, I have the lender check the credit report and the account is still on the report. You don't have to guess very hard how I felt after finding that out.
To make matters worse, the lender is telling me I am 5 points away from qualifying for a conventional loan and this is the only thing stopping me! There are no charge-offs on my report, no credit cards with balances I can lower, and no other collections for me to fight or pay to increase my score. I am literally stuck and at the mercy of this collection agency who is reporting an account that isn't mine, or even if it was, is a 7 year old collection whom the collector isn't responding to any of my disputes since XXXX! There is nothing more for me to do but file this complaint against them. Please make them delete this account so I can finally buy my house.
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| 02/27/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was a regional XXXX for a company and signed up for cell phone service from XXXX cell phones. I made agreement for the business not myself personally. The rate plan and rebates given were all business incentives for the XXXX lines that I contracted for the company. During the time I was asked for personal information and told that the account was solely a business account and I was not on it. Bills were sent and paid by the corporation for 1 year or so. Due to poor service and major increase in prices after 1 year company dropped XXXX and I personally returned the phones to same store I set up account at.
After nearly a year XXXX began harassing me for the amount owed which they included phones in the amount even though I returned them. I was no longer with the same company and I explained that and they left me alone.
Recently they began harassing me again and reporting it to the credit bureaus as me being delinquent! When I contacted them and asked for the original contract and copies of actual bills that would show that it was a business account and not mine they never produced anything. They argued with me over the phone and told me they had my personal information and they would damage my credit by reporting it as collections.
To summarize : The account was for a business that I worked at.
The service was terminated by company.
The phone were returned by me personally. The amount they want is wrong.
The company and collection agency never showed contract or bills because they know the bill and payments came from company not me.
They have put it on my personal credit to pressure me to pay something that is not mine.
They are causing me to lose opportunities for career advancement and increasing the cost of obtaining loans for me personally.
I am looking for legal assistance as well as help from the CFPB to file for harassment and punitive damages because they are abusing the credit reporting system to extort money from me that I do not owe.
Now that they have merged with T-mobile I have discontinued doing business with XXXX also.
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| 05/19/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have no idea who Enhanced Recovery is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Enhanced Recovery is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Enhanced Recovery Co as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ Enhanced Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to Enhanced Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 08/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Hello, A while back I had to have my credit pulled so my wife and I could get pre-approved for a home. XXXX of my credit scores were great, while XXXX was roughly XXXX. I found out that I had a delinquent balance of {$90.00} from XXXX XXXX regarding a bill I did not pay because I no longer lived at the apartment I moved out of. I canceled my cable subscription and returned my equipment and was not aware of any termination fee. That being said, I paid the collection bill right when I found out. It was for {$90.00}. That was back in XXXX 2015. Now I had my credit pulled again to refinance my car. The collection was still on my credit report as unpaid. I called XXXX and they told me to contact Enhanced Recovery Company. XXXX told me that there were XXXX open delinquent non-payments of {$90.00}. They had finally told me that I paid it off in XXXX of 2015 after telling me several times that there was no payment on that account. The reason for XXXX open cases is because they gave the collection back to XXXX XXXX and then XXXX XXXX asked for it again creating XXXX delinquencies. I was not aware of any of this during the years this has been attacking my credit. I now can not get approved for the car loan I want.
They told me they can only update the file and they ca n't tel XXXX or whoever to remove it despite it being their mistake. I spoke to a XXXX XXXX at this company. I am looking for someone to get this removed from my credit report so it wo n't bring it down for 7 years. It started as a bill I had no idea about because I no longer lived at that residence and was not told about it. Then it turned into a collection that a company did not even list it as paid until yesterday. This is really hurting my credit and I am hoping the CFPB can help. I really appreciate what you do. This coming from a person that lives in the state where XXXX XXXX is my Senator knowing she played such a pivotal role at the creation being nominated.
Please let me know what I can do for this collection agency to have it removed. Thank you!
Sincerely, XXXX XXXXXXXXXXXX
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| 03/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is ( XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against ( Enhanced Recovery Company ) for committing identity theft. I have never given ( Enhanced Recovery Company ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from ( Enhanced Recovery Company ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Enhanced Recovery Company ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovery Company ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Enhanced Recovery Company ) continues its collection efforts, I will file for litigation for actual damages caused and ( Enhanced Recovery Company ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 03/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( Enhanced Recovery Company ) for committing identity theft. I have never given ( Enhanced Recovery Company ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from ( Enhanced Recovery Company ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Enhanced Recovery Company ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovery Company ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Enhanced Recovery Company ) continues its collection efforts, I will file for litigation for actual damages caused and ( Enhanced Recovery Company ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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Company accessed my report fradulaenty and furnshied information with out permission. I was never given written notice. I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting.
2. Verification of their claim against you, that is, a signed Invoice.
3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
|
| 04/29/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
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Web |
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Recently Enhanced Recovery Company , LLC responded to CFPB compliant number XXXX, filed XX/XX/XXXX. Equally important XXXX responded to CFPB complaint number XXXX filed XX/XX/XXXX ; Enhanced Recovery Company , LLC ( ERC ) is a third-party debt collector for clients in telecommunications, utilities, banks, and student loan industries. ERC was founded in XXXX and was previously known as Enhanced Recovery Corp. ERC is headquartered in XXXX XXXX Florida XXXX Since XXXX, the Consumer Financial Protection Bureau ( CFPB ), a Government agency responsible for protecting consumers from unfair, deceptive, and abusive debt collection practices, has received 6,229 complaints against ERC, according to data provided by XXXX XXXX XXXX XXXX XXXX. Unquestionably, this company has integrity issues ; previously in the response letter from ERC dated XX/XX/XXXX XXXX XXXX XXXX the company stated the following Our client, XXXX, placed a delinquent account in the amount of {$170.00} with our office for collection on XX/XX/XXXX. Please note our agency is not a debt purchaser. Our client maintains ownership of their account ; therefore, we service the account on their behalf. Please be advised that on XX/XX/XXXX a payment was remitted on Mr. XXXX account updating the account balance to XXXX. As of XX/XX/XXXX, Mr. XXXX account was closed as paid in full. Therefore, on XX/XX/XXXX, ERC sent an update to the credit reporting agencies to reflect the account as paid in full. As a data furnisher, we are required to report the true and accurate status of the account. A deletion of the trade line would not be the true and accurate status of the account. By comparison, Response letter dated XX/XX/XXXX XXXX XXXX ) stated ERC submitted a request for the account to be deleted from all credit reporting agencies. On the whole, I want nothing to do with this organization and seek that all associated tradelines be deleted from all credit reporting agencies { I.E. XXXX } or Ill have my attorney prepare to file a lawsuit. Ive attached both correspondence letters at this time.
|
| 04/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
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Web |
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On XXXX XXXX, XX/XX/2015 I filed a complaint against Enhanced Recovery Company , LLC with CFBP case No. XXXX and they submitted a letter Via E-mail to CFBP on XXXX XXXX, XX/XX/2015 in response to my complaint and promised to request a deletion of the collection they placed on all XXXX major Credit Bureau 's from my credit Bureau Reports.
As of today, XXXX XXXX, XX/XX/2015 Enhanced Recovery Company , LLC have not request a deletion on any of the XXXX major Credit Bureaus ( XXXX ) this action might constitute fraud under both Federal and State Laws. On XXXX XXXX, XX/XX/2015 as a response to my complaint your Agency made the following statement : " In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015 Please allow up to XXXX days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX ''.
Also as of today your Agency are unable to provide the proper documentation as requested in the following Declaration.
Copies of the original application for this account Signatures associated with this account Billing statements associated with this account Any payment history associated with this accountDue to this fact negative mark is found on my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I am requesting Enhanced Recovery Company , LLC collection to immediately remove all negative remarks of all XXXX major Credit Bureaus and cease any collection activity for failure to validate this debt as promised in the letter forwarded to CFBP and if not I will consult with my legal counsel for suit.
|
| 08/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
Older American |
|
XXXX collection was removed after I sent Their collection dept ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. I believe XXXX HAS IT OUT FOR ME. WHY ELSE WOULD THEY KEEP TRYING TO RUIN MY CREDIT. WHEN I FIRST CONTACTED THEM AND ASKED FOR THEIR HELP. THEIR COLLECTION AGENT TOLD ME " I SUGGEST YOU KEEP THESE ACCOUNTS OPEN TO AVOID EARLY TERMINATION FEES ''. I TOLD THEM ARE YOU SERIOUS YOU WANT ME TO PAY ON THESES FRAUDULENT ACCOUNTS UNTIL THEIR CONTRACT EXPIRES. THEIR ANSWER WAS " YES '. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE. FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME for ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX ON XXXX/XXXX/2015 I CALLED XXXX TO APPEAL TO THEM FOR HELP AND TO ASK WHY THEY POSTED THE COLLECTION BACK ON MY REPORTS THEIR ANSWER WAS. " THE DEBT IS STILL OUTSTANDING AND THERE IS NOTHING WE CAN DO FOR YOU ". THEY OBVIOUSLY DO N'T CARE ABOUT ANYONE. ALL THEY WANT IS MONEY. IN MY OPINION THEY KNOW I AM TRYING TO GET A HOUSE AND THEY THINK I WILL PAY THE COLLECTION JUST TO GET RID OF IT. IT WILL BE A COLD DAY IN XXXX BEFORE I DO THAT.
|
| 01/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
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
|
| 09/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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i am filing this complaint to report a false statement from XXXX XXXX XXXX, a collection agency from florida i just found it out when i checked my credit report from experian 3 weeks ago .At my biggest surprise i saw this debt collection of XXXX reported on XX/XX/XXXX and XX/XX/XXXX to the three credit bureau which state that i have an account that was open on XX/XX/XXXX with enhanced recovery Compan located at XXXX XXXX XXXX XXXX florida XXXX. Firstable this is a false statement, i have never opened an account or never did business with this company. but that was reported to the three credit bureau that i open that account with them since XX/XX/XXXX with XXXX and XXXX and on XX/XX/XXXX it was report to XXXX that is a lie. Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the three credit bureau. According to the Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the 3 credit bureau. but XXXX XXXX XXXX XXXX XXXX did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from immediately from my credit report I sent them a letter to prove me that they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond up to day, i am still waiting. also i ask them to sent me a complement payment history starting with the original creditor they never respond, i request immediate deletion of this account from my credit report with the three credit bureau or i will have to sue them for the amount of XXXX for violated my rights and the law
|
| 02/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
|
| 05/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I terminated my contract with XXXX in XXXX 2013 in my belief that they violated the contract terms. I received a final invoice that included {$100.00} early termination fee. I formally disputed the {$100.00} and sent a check for {$78.00} with a letter outlining the reasons for my dispute. I specifically requested through this letter that should XXXX disagree with my reasoning to contact me by mail and we could work through the dispute. I heard nothing for over a year, and because the check for {$78.00} cleared my account, my assumption was there was no dispute by XXXX. XXXX weeks ago a XXXX salesperson came to my door trying to regain my business. He somewhat convinced me that the XXXX internal culture was changing for the positive, with an improved consumer focus. I started taking steps forward toward reattaining their service based on this representation. When I provided my SSN, the salesperson came back and told me I owed {$100.00}, and that management would not move forward. There were XXXX prongs to my reason for terminating - the local XXXX focused on XXXX, which I disagree with. The same day I was informed of this, I started to receive numerous calls from XXXX collection agency. I have received a letter from the agency as well. I attempted to work towards resolution with this company through their salesperson, but it appears that a local decision was made to hold their ground regarding the {$100.00}. As it was communicated to me the attitude of decision-makers appears to be as arbitrary and spiteful. The local XXXX group appeared to form their opinion, and took immediate negative action against me through the Collection Agency over one year without providing me the benefit of responding to my written letter of a year prior, and leaving me with the impression through their silence, and cleared personal check that no dispute existed. These tactics are clearly unprofessional in my view, and I appreciate if you could assist with having collection ceased with no affect to my credit record. Thank you.
|
| 09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On about XX/XX/2019, this supposed debt existed with a debt collector, named XXXX XXXX. I exercised my right, and questioned the validity of the debt. The creditor promptly deleted all files from all of my credit reports. On XX/XX/2019, I received the attached notice from Enhanced Recovery. The letter was dated on XX/XX/2019. I mailed Enhanced Recovery, the same day after receipt, via certified mail, questioning the validity of the debt. I explained to them that this " debt '' was sold to them by XXXX XXXX in my letter, that I have attached, because the debt could not be validated. According to the USPS, my letter questioning the validity of the debt was received by a representative from Enhanced Recovery on XX/XX/2019. I waited the 30 required days from the date of receipt for validation of the debt, and did not receive anything from Enhanced Recovery. I routinely receive updates on my credit reports, and this morning, XX/XX/2019, I received notification that Enhanced Recovery reported this supposed debt to the credit bureaus. I reviewed my report directly from Experian, and it shows that this " account '' was opened on XX/XX/2019, so Enhanced Recovery not only did not validate the debt with me after I requested them do so. They assumed this debt was " valid '' without providing me, the consumer, proper verification of the " debt ''. This adverse action committed by Enhanced Recovery has severely hurt my ability to obtain credit. I have been searching to obtain a home for my family, and this drop in my credit reports could potentially cost my family thousands of dollars. This action is malicious, and they have violated Fair Credit Reporting Act 611 ( a ) 1 ( A ), Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Fair Credit Reporting Act Section 617. I followed the law, by asking for proof of this debt they are reporting, and not only did they not provide it to me. Enhanced Recovery reported it adversely to the credit bureaus. Enhanced Recovery broke the law, and hurt my family.
|
| 09/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am a victim of ID theft. I have been battling this ID theft since XXXX. My credit report stays frozen to prevent new fraud, however I suspect for this type of service XXXX does not actually check credit reports to authorize service.
On XX/XX/XXXX I mailed my standard fraud packet to Enhanced Recovery, which I am very accustomed to doing as new utility and medical accounts pop up on my credit report from time to time. This was sent via USPS to there XXXX XXXX XXXX in XXXX Florida.
On XX/XX/XXXX I noticed this account was still on my credit report and I had not received any communications back from ERC. I placed a phone call, explained the nature of my call and provided the representative with my full social security number. He located my account and confirmed the balance was for a collection account outside of my home state of California. I explained that I had sent out a fraud packet and expected this account to be swiftly removed from my credit report. He deferred me to XXXX and stated they would not remove anything from my credit report without specific instructions from XXXX. I advised him that Enhanced Recovery is the entity on my credit report and not XXXX, and therefore the company breaking the law and perpetuating abusive consumer practices is ERC.
Not intending to argue, I reached out to XXXX as advised by the Representative at ERC. He even provided me with XXXX account number as XXXX. I explained to the XXXX representative my situation, and he proceed to attempt to look me up using the alledged account number provided to me by ERC. He stated he was not able to find any account using the information provided. I advised him ERC found the account using my social security number, and he then proceeded to search using my social. He still found nothing. Very frustrating, as I had advised him I am in the middle of refinancing my mortgage to take advantage of the historic low rates, and I may be losing out on this opportunity thanks to there complete and utter incompetence.
|
| 09/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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i was told in 2011 by a XXXX Rep that i was not under a Contract with them anymore, so she set up to send me Boxes to put Their Equipment in & they set up a XXXX Installer to come by my Home & pick the Equipment up, he did & put it into their System to prove it. Now here 's where it takes a Twist, XXXX waited 4 years to send me a Bill stating I owed them an Early Cancellation Fee & 2 Months of Service, so while i was on XXXX during this time, I was being Charged for XXXX that i was Told i was Paid up in Full on my Account & i was n't under a Contract. This is Unreal! I called the ERC ( Enhanced Recovery Company , LLC ) & argued this Fact that i was Told totally Different Information then they were Stating, she then said that it Did n't Matter ' I HAD TO PAY or it would Stay Pending on my Credit Report, so I payed the Bill or actually a Settlement of {$270.00} & she said she was going to Contact The Credit Bureau or whomever to have it Deleted from my Credit Report, she said call back in! 0 days. It better be gone quick because that knocked a Hole in my Credit & i was n't even aware of any of this till 4 days ago when i went to my Mailbox & opened this Statement ( Which i will say i do not owe until I 'm pushing up Dirt ), My point being is, How can a Rep tell me I 'm all Good, Send me Boxes for Equipment to be Picked up & then 4 years Later they say i was n't out of the Contract & i was Charged an Early Cancellation Fee ( But They sent me Boxes in 2011 to Pick up Equipment & i did n't owe them XXXX XXXX ) but i was charged for 2 months of Service when the Equipment was in their Warehouse & the XXXX for XXXX was Removed from my House & i was Watching XXXX XXXX, they are Liars, plain & simple. I did n't know what to do so I just Payed the Thief 's!!!!! I have the Confirmation #, showing i Settled with them, but it 's STILL HANGING UP on my Credit & XXXX XXXX are rough, XXXX are really nice, this is just making me look Stupid. If it is n't DELETED as promised from my Credit I might Snap!
|
| 02/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
|
| 06/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I had an account with XXXX for internet services While living in my RV at an RV resort during my move from one state to another. I moved the RV to family estate property and contacted XXXX about the move and asked to transfer services to the new living area. I continued to pay on the account as usual without fail and on time. Then XXXX tells me I owe and an account was delinquent. We ( XXXX and I ) on a phone conversation discover that XXXX created a second account instead of transferring the already existing account to the new town I moved to. Not my fault, not my error. Due to the mishandling of account and poor service quality I terminated my business with XXXX. The one account was paid in full and there was no issue there but XXXX put the account they erroneously made into collections. An account I never used nor had knowledge of. They then wrote off the account and sold it to debt collectors. Not ONE but TWO. XXXX XXXX and ERC ( enhanced recovery company? ) Both reported the negative information on my credit report AND for different amounts. {$120.00} for ERC and {$160.00} for XXXX. I disputed them when I discovered them and the credit burrows had it removed as it was duplicate. That was XX/XX/XXXX. On this day XX/XX/XXXX I get a letter from ERC now asking for {$590.00} or they will report it AGAIN on the credit report. If XXXX wrote it off and sold it to a debt collector why are there two collectors reporting different amounts and how can a debt collector report a bogus claim multiple times? What is going on here? How is this kind of extortion allowed to take place? How can one item be allowed to be reported multiple times? As a 23yr XXXX XXXX veteran this is what I worked for? So a company that created an error can tell me to pay for a service not used under an account I never knew existed and then it gets reported to multiple debt collectors which in turn hit my credit report multiple times for the exact same thing that should n't exist in the first place?
|
| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR .THIS IS NOT THE ORIGINAL CREDITOR .I was never 30 days late. THIS IS A DUPLICATE ACCOUNT US CODE 1692e False and Misleading Representation US Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), XX/XX/XXXX, 110 Stat. 3009425. )
|
| 03/15/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In XXXX of 2018 I chose to upgrade my XXXX for a XXXX XXXX phone. They stated that I would have 14 days to return the device if it did not work out. Well I did just that. The device had called 911 multiple times, and would freeze, lock and shut down. So on XX/XX/XXXX I returned the device after having issues with the local XXXX stores in Washington saying they couldn't accept it since it was an online order return. I returned the device per their smart label return envelope. I got multiple notifications that if the original device ( XXXX ) was not returned since it was a trade in, that I would be charged. After an amount of time they wound up charging me FOR THE XXXX, despite the fact that I told them I was using it which they could clearly see because I returned the other XXXX phone due to the issues. They said that they had not received it back yet and continued to charge me for the monthly fee for the XXXX phone as well. This caused my bill to just keep creeping higher and higher. There was MULTIPLE cases submitted to try to " fix '' it. I spent hours on the phone with different people and at the end of the day it was still not resolved. So in XXXX of 2018 they shut my service off for non-payment because they had charged me hundreds of dollars I DID NOT OWE THEM. The tracking showed the phone was picked up. They told me verbally the phone was in their system, but that another department had to " refund '' the account for it. So finally when the account was officially closed, they also charged me for the remainder of the XXXX phone that I didn't even have since it was in their possession. They then continued to try to collect the money, yet I do not owe them well over {$1000.00} of what they are trying to charge me and collect on. Then despite everything, they never tried to rectify the account and sent it to collection. I never got notice of the collection from the collection agency, and now the agency is reporting on my credit also trying to collect money NOT OWED.
|
| 03/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American, Servicemember |
|
I had past experience with calls re the debt of someone who lived at my address some 20 years ago and another with the same name except the middle initial and it took and FTC complaint to stop them. I received calls in XXXX 2015 from Enhanced Recovery re Debt Collection.
One call referred to a letter which I assume was a validation letter sent to whomever owes whatever they are trying to collect. I wrote them a detailed letter on XXXX XXXX, 2015 ( cert. return rcpt ) telling them : 1. contact the person you wrote to, its not me.
2. There is no reason for a debt collector to be contacting me.
3. cease and desist.
4. Further I am XXXX and do n't do business over the phone.
5. I have a health condition that XXXX ( XXXX and XXXX XXXX ).
6. their contacts did not appear to comply with the FPDCA 7. I looked forward to never hearing from them again.
I thought it worked until Fri XXXX when I got the following msg on my answering machine : " this is a debt collection call from Enhanced Recovery please call XXXX ref XXXX. '' no identification as to the caller or what the debt is about ( not that I care ).
All I want them to do is leave me alone. I sent a letter today reiterating the comments in the XXXX XXXX letter and telling them I would file a complaint.
I will not call them back based on my past experience with another highly unethical collector and my XXXX.
I know of no reason they should be calling me. I have not cosigned for anyone nor acted as executor of any estate.
This company has not been abusive and until yesterday I thought the matter resolved. I will grant that my past horrible experience affects how I view this.
I do believe that companies should be prohibited from contacting anyone just because they have a similar name or without at least stating we are contacting you in regard to a debt owed to XXXX by XXXX.
I would like to think that this latest call is a result of a failure to communicate that no one should be calling.
a debt owed to
|
| 04/02/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 02/25/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 04/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I am writing this letter to address a situation where my credit was diminished, ( I believe wrongfully ), as outlined below.
I originally started with XXXX in XX/XX/XXXX. A couple of months later, my phone was stolen and since I did n't purchase insurance, I had to wait a couple of months to purchase a new phone. When I called XXXX to activate the new phone, the representative said that given my situation she felt I would be better off switching to a pre-paid plan. I was concerned about being charged an early termination fee, but she assured me that as long as I stayed with XXXX for the duration of the original contract, I would n't be charged a termination fee. I took her advice and did as she suggested. I remained a loyal XXXX pre-paid customer through XX/XX/XXXX.
A look at my credit report lead me to find that they charged me a termination fee even though the XXXX representative said they would n't. I found that they sent it to a collections agency ( Enhanced Recovery Company ). I 've spoken to representatives at Enhanced Recovery, who told me to get XXXX to send this information. In XXXX and in XXXX XXXX different XXXX supervisors acknowledged their mistake, and promised that their XXXX Team would contact me so I could get this information to Enhanced Recovery, and get it off my credit report. Their XXXX XXXX failed to contact me both times, but this time I recorded the conversation with them. In this recording ( XX/XX/XXXX ), the Supervisor acknowledges that the previous Supervisor ( from our XXXX conversation ) sent a letter to their XXXX Team indicating that I should NOT have been charged and early termination fee because their Representative did not enter such fee into my new agreement.
I 've sent letters to both XXXX and Enhance Recovery Company, but nothing has been done to clear up my credit. I 'm a XXXX veteran who really needs help getting this problem fixed. Please help me. If you are unable, please tell me who ( in your agency ) can help.
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| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 04/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act. After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Enhanced Recovery Corp. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) t o protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt an d HIPAA author ization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. XXXX XXXX XXXX XXXX needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Dates : XX/XX/2016 amount {$720.00}
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| 02/24/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 02/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I have a collections account that was placed with Enhanced Resource Center ( corporation ) in XX/XX/XXXX regarding an XXXX XXXX XXXX cellular account that was placed in collections. I have been paying this company each month through auto-deduction from my checking account in a timely manner. I have never missed a payment. I contacted this agency on XX/XX/XXXX @ approximately XXXX, and spoke with a general rep before being transferred to a team lead named XXXX . I explained that my credit report is not accurate and they are reporting erroneously each month, as if I am not making payments. XXXX tried to explaine that because they are a collections agency, that they only report that the balance is paid in full or settled in full. I explained to him that they are reporting monthly that I am not making payments and that they are not following federal regulations, per the Fair Credit Reporting Act ( FCRA ). He stated that they follow all laws, but because they are a collections agency, that the only report on " sundays '' or monthly. Subsequently, he transferred me to the manager, XXXX XXXX. I explained the companie 's flaws and failure to follow federal laws while credit reporting. She essentially said the same statement that XXXX made. I told her that this is not federal law and that her company should be reporting each month that I am paying, instead of erroneously reporting that I was not paying. She disagreed with my statement. I informed XXXX XXXX that her company practices are not aligned with federal laws and they are flawed. To conclude, I arranged a post- dated payment to resolve my debt, so that I do not have to deal with this company ever again in my life. Their practices are unlawful, unfair, and misleading to consumers, and credit bureau agencies. They falsify information for their own personal game. Per the Fair Credit Reporting Act, this is illegal and unlawful. Unsophisticated consumers whom are unaware and are unacknowledged are at great risk.
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| 02/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On Friday the XXXX of XXXX, I checked my credit score on XXXX and saw that I had a collection against my name originating from XXXX that they had passed to the collecton agency ERC. I had been a XXXX XXXX up to XX/XX/2020. I was alarmed by this and called ERC immediately. At this point I had very little knowledge of collections or what they entailed.
When I spoke to the ERC agent I stated that I had serious qualms with this bill. In particular, XXXX gave me a plan that was linked to strangers ' accounts without my knowledge. Second, XXXX created an erroneous security question ; they would ask me the name of my first pet but neither I nor my family has ever owned a pet. This incorrect security question prevented me from ever accessing my account, making paying the bill very difficult. Note due to covid, I was abroad with my family and therefore was unable to visit a store in order to get a new PIN or security question. Given the service, I canceled my account. I was given email notices in XX/XX/2020 that I had an outstanding bill and then received no more communication from XXXX from that point onwards. After I received these emails, I did try to pay in XX/XX/2020 but because of the security question, I could not access my account in order to pay it. Since I had no further communications from XXXX I presumed the account was closed and any further bills were voided.
The ERC, who did not say I could dispute the debt, misleadingly said those were issues to take up with XXXX and were not relevant to ERC. But, of course, it is relevant to ERC because if I want fundamentally to dispute the fairness of the debt, I would have to do so with ERC. Thinking that I could go dispute the claim with XXXX, I paid off the debt as soon as possible, but did not think that paying it off would acknowledge it as fairly describing the situation as one in which I had failed to pay a XXXX bill. I now understand the debt prevents me from having it removed from my credit record.
|
| 05/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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In XXXX, XXXX I was temporary leaving in XXXX, Where I was a customer for XXXX for the period of XXXX month by the end of XXXX I closed the account and sent their equipment back in the XXXX mailer they provided. I move to my present address on XXXX XXXX, XXXX. On XXXX XXXX XXXX through XXXX XXXX XXXX went into my XXXX Consumer Report and report this account as collection for the amount of {$420.00}. I called XXXX and after speaking with XXXX customer services person XXXX XXXX XXXX, who stated that I own this amount from the services address XXXX XXXX XXXX XXXX, NY and the account was set on XXXX, XXXX with a last payment XXXX on XXXX, XXXX. I informed her that never leave in XXXX XXXX XXXX XXXX, NY.
On the month of XXXX I placed a disputed with XXXX Consumer Report base on the information stated above was not requested by me nor leave in XXXX XXXX XXXX XXXX, NY as they indicated. The account was delete from my XXXX credit report on XXXX, XXXX as conclusion of the disputed. On XXXX XXXX, XXXX I receive a letter from XXXX XXXX XXXX where state the account was remove base on statute of limitations.
On XXXX XXXX, Enhanced Recovery CO LLC report this account on my XXXX Consumer Report and XXXX Consumer Report making my FICO score to drop dramatically. Immediately I sent a certify letter requesting debt validation and informing that base on the Fair Debt Collection Practices Act this type of debt has Time-Barred. Therefore let this letter serve as notification that I do not wish to be contacted about this debt since a violation of the Fair Debt Collection Practices Act apply.
Enhanced Recovery Company continue to ignore my request in this matter. Both XXXX XXXX and XXXX need to be examined for these bogus activities. My credit is good enough that I will not take the " hit '' of {$420.00} nonpayment with a notation that I dispute the charge. I am requesting an investigation on this matter and order to stop XXXX and XXXX in this spurious business conduct.
|
| 12/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I moved to my new home in XX/XX/2018 and we had XXXX XXXX installed into our home. From day one, the equipment was not working because it was installed incorrectly since we have a smart home and the technician did not connect to the server properly. We called XXXX and scheduled for a technician to come out 3 different times and they never showed up. After paying about 1.5 years for a service that we were never able to use from day one, and paying about XXXX dollars each and every month, we had them send a box to return the equipment.
Recently I saw that a collection agency for XXXX XXXX reported on my credit report a collection for about XXXX dollars that was due which brought my credit down over 100 points, right at the time we are in the process of buying a home, and this killed us from being able to qualify for the loan now.
I contacted XXXX last week and made a complaint and they said they would have someone from the back office look at this and try to fix the problem. I told them the equipment was returned and that I should not have to pay any extra charges for services that I never was able to enjoy.
Well, today they told me that the equipment was credited and they would update it with the collection company but that XXXX is still outstanding for breaking a 2 year contract. I told them the equipment was never working and 3 times we had an appointment for someone to come out and they never showed up, so if anyone broke the contract, it was them, but yet I continued to pay for 1.5 years.
This was reported to XXXX XXXX andXX/XX/XXXX. I filed a dispute with both and XXXX took it off, but XX/XX/XXXX did not.
I really need to have this off of my credit report as this company is charging for something they never installed properly, and now it is causing me not to get my dream home for their failure to property fix my issue.
Please have this taken off of my XX/XX/XXXX credit report so that I can finally get my home.
Thanks so much.
|
| 10/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : experian_logo Prepared for XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XX/XX/XXXX divider About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.
If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation.
Here are your results XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
XXXX icon Deleted You can contact XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report.
Before your dispute : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History
|
| 06/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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This was originally falsely posted under credence resource as a debt, until I contacted them and their rep verified there was nothing under my name or phone number and I made him aware I believe I'm a victim of identity thefy/fraud and it definitely was not mine, and it was removed ... I thought, apparently they removed their name and now reposting this which is apparently some unknow named XXXX XXXX that they know is not mine still are allowed to falsely report it against me and it's not mine, under now Enhanced Recovery Co L ( Erc which I already reported on I'd theft report ), and so I called today XXXX XXXX after it just reappeared under a different name supposed XXXX, who knows, it's not mine regardless and they know it and the rep I talked to today XXXX XXXX admitted further there is nothing under my name or phone number yet they still intentionally report this false report damaging me, my name and my credit.She wouldnt give me XXXX phone or address and made exuses, but what's relevant is she like credence admitted they know it's not mine therefore this should be removed immediately and XXXX reported to FCC.Please remove all false and fraudulent statements immediately as the entities reporting false information intentional are fully responsible and liable.Thank you!
Btw, clearly I don't have an account number because this is not mine, therefore I do not have an account.Due to the bad practices of XXXX bad debt collectors credence and now erc posting identical intentional false reports against my name they can not be trusted after both had reps that stated and confirmed what I already knew, that I do not owe them anything, and still they report false information against my credit report.Should never be allowed.Please remove all false and fraudulent reports asap and cease further false reports, I'm already going through being a victim of identity theft and I am NOT XXXX XXXX and all know it, so remove please immediately.Thank you!
|
| 05/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX/ last update XX/XX/XXXX bought the {$170.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) from this other collection co : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION : this alleged account has been past from one COLLECTION co 's to another for the last 7 to 8 years I have never had an account with XXXX XXXX nor have I never received and invoice on what the XXXX is for or any breakdown- I have been pushed to the max and will start treatment theses COLLECTION Co as a Hostile attacks on my personal Character and my personal financial goals - as of yesterday I receive notice from two Credit cards- that I have had open with great out standing credit starting from XX/XX/XXXX : this notice was that my FICA had falling over night fromXXXX to XXXX nothing has changed on my credit reports from all three over the last year - XXXX XXXX XXXX has been calling for 6 /7 months I have informed them to cease and assist- however they continue to call and view my reports on all three credit reporting co. every month as XXXX was the primary reporter by my Credit cards I called then and pulled my report - I asked them why did my FICA dropped 100 point over night - the person XXXX said I can tell you that without you payment money first- I said what this was a Negv report and they should give me every thing that has cursed my FICA to fall 100 point instead of helping me Collection companies can report anything they want there's nothing I can do about it- but he will be happy to file a dispute I told him I have filed many disputed about this account and it gets sold off to a new CO and it start all over again theses actions are considered bad faith and Federal intervention should be taking : I could pay this at any time but I will never give in to theses Fraudulent COLLECTION co 's
|
| 12/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I received a letter on XXXX XXXX, 2015 from XXXX XXXX to collect a debt that I initially disputed with the company they represent directly which is XXXX. I therefore sent a certified letter disputing the debt which was received on XXXX XXXX, 2015 by the company. XXXX responded on XXXX XXXX, 2015 noting that they were not handling the case. I then pulled my credit report and noticed that another company, ERC, had placed the account on my credit report in XXXX 2015 and had not provided any notice prior to doing so. On XXXX XXXX, 2015, I received a letter from them notifying me that XXXX placed the previously disputed debt with their agency ; however they never notified me before placing the item on my credit report. I therefore sent their agency a certified letter on XXXX XXXX, 2015, which was received by their company on XXXX XXXX, 2015, informing them that I was not notified of the debt and they did not follow the procedures of the Fair Debt Collections Act. As of XXXX XXXX, 2015, ERC has yet to respond to my notice or letter. Before this account was placed with collections, XXXX refused to correct the charges and was charging me for services not received. XXXX was attempting to charge me for service on a telephone that had not been used since XXXX 2015. I spoke to a XXXX representative on XXXX XXXX, 2015, who said that they could see where the phone was not used since before XX/XX/XXXX and was attempting to credit the account then discovered they could n't because it was sent to collections on XXXX XXXX, 2015 ; XXXX day after I received a bill from them. XXXX is jumping the debt from collection agency to collection agency because they know that the debt is not a valid amount ; I have also confirmed that they have taken these same actions against other people who cancel their telephone service with them as well. Both XXXX and their collection agencies are taking actions that are unlawful and unfair to consumers who attempt to do right.
|
| 02/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Dear Collection Agency Rep. THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. Provide me with the following : A copy of the original contract you alleged I signed. An accounting of how payments were applied. The interest that was added along with any ancillary charges. Identify the original creditor. Prove the Statute of Limitations has not expired. Provide verification or copy of a judgement if there is one. Provide licensing information that allows you to collect in my state. Per the FDCPA 1692G, all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
|
| 10/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was recently contacted by Enhanced Recovery Company regarding an alleged debt. Not only did the alleged debt have the wrong name but Enhanced Recovery violated several of my rights outlined under the FDCPA. I have enclosed proof of this along with a photo idea proof of my receipt where I contacted them directly via certified mail with tracking. Below is a list of violations by Enhanced Recovery Company Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692e ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692c ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 9 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 5 ) Exhibit A is Attached Below
|
| 05/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Several debt collectors have called me on behalf of XXXX XXXX. The one that contacted me today was ERC. I already settled my debt with XXXX XXXX through XXXX on XX/XX/XXXX i the amount of {$180.00} which is 50 % of the total amount owed. I spoke to XXXX XXXX when I made the payment. The phone number she provided on XX/XX/XXXX was XXXX. She also provided a Ref # that I will provide upon request. XXXX who is also with XXXX, provided XXXX. When I called that number a gentleman answered and said that he would transfer me to the " correct department '' I asked, " What is the correct department? '' He repeated, " I will transfer your call to the correct department. '' I held for approximately XXXX XXXX and then he disconnected the call. Then, I placed a call to XXXX XXXX to ask for a list of their legitimate authorized debt collectors, so I know which ones to report to the FTC. My call was answered by XXXX who stated that her records show that I still owe {$180.00}. I insisted that I do not owe that amount, and I settled for {$180.00} on XX/XX/XXXX. XXXX confirmed that a payment in the amount if {$180.00} was made, but that I still owe {$180.00}. After an unresolved debate, XXXX transferred my call to another representative who could not find an account to match my phone number. He answered the call in XXXX, but I assured him that I am not fluent enough in XXXX for him to take my call. He also attempted to give me instructions to dial in again, and put in a series of " ten zeroes '' as opposed to my actual phone numbers. I stated that I am not willing to continue to follow their instructions, because I have not received a resolution for my request, nor were the seeking to honor my request, but to collect money that is no longer due to them. I informed the representative from XXXX XXXX that I would seek legal action against XXXX XXXX and all of those collecting on their behalf if I receive another phone call, because it is now harrassment.
|
| 10/14/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 09/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I move from XXXX XXXX XXXX to XXXX, I phone XXXX to move my service they talked me into XXXX XXXX they opened the ticket to have a tech to come and set up service a month after I moved. in the mean time what i was tols was my last bill with XXXX was paid and I waited for my serivce visit for XXXX XXXX. The tech came looked around asked me a few questions and said sorry I can't do anything there is a tree in the way the dish won't get service. So he said he canceling my service ticket and I would have to call XXXX to get my service started. I was upset about the horrible service that I received my sister in-law who lives with me called and had comcast come out and provide us with servie and we have had that service for the last 4 years. I never heard a word from XXXX XXXX until i started to build my credit so I can buy my car. Then I seen on my credit report that I have an outstanding bill for XXXX XXXX when i asked for copies of the statements or evidice of my dispute. they won't provide me with any information they just say they have proof. why should I pay for an employees mistake and not properly taking care of the close of my account or not providing me with proper information on my account. why wouldn't they follow up and see that I have never turned on a box or the fact my service request was cancelled. where is there dudligence. this not the first I have heard of the poor service by XXXX. my fiance wasn't getting service for over a year and paid her bill and XXXX didn't even bother to address her wasted money or try and offer her a discount. they brushed it under the rug and accepted no resposiblitiy just as they are once again. They need to stop outsourcing their call centers to the XXXX so that there American clients can get their issues resolved or is that part of their whole fat cat plan. cause confusion and get the consumer in the end with faulty informaition, errors, language barriers, frustration, and deniablity.
|
| 10/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
|
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ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 12/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
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ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 06/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Enhanced Resource Centers is a debt collection company based in Florida. Since XXXX, XXXX, this company has been calling me at least once a day, sometimes twice a day, EXCEPT on weekends, from a toll free number XXXX XXXX. Not once has I received any written communication nor a voicemail stating the amount of the debt, the kind of debt, et al.
I blocked this number but this company managed to call anyway. I do have an app on my phone that blocks any number of which I am unfamiliar yet this company was able to bypass the block.
After much of this harassment, I finally submitted a complaint to the XXXX XXXX XXXX and asked them to help me resolve this problem. I was forwarded a response from Enhanced Resource Centers that was sent to the XXXX stating that " ERC was not made aware that the number we were calling was incorrect for the consumer we were attempting to reach prior to this complaint. '' They then had the temerity to request that I contact them to " add into our internal Do-Not-Call records to prevent further contacts from our office. '' I did not receive an apology either. The person who sent the letter was someone named XXXX ( XXXX ) XXXX who refers himself as " Director of Legal. '' I looked this guy up on the Florida XXXX XXXX website ; XXXX is NOT an XXXX. He DOES have social media accounts however.
This company is rated " B '' on the XXXX XXXX XXXX website and with good reason. They have had many people complain about them which complaints are also posted on the XXXX website. This company is unscrupulous in that they continue calling people who may or may not owe money and I even went ahead and requested and received a free credit report to find out if there was a debt that I failed to repay. The credit report came back unblemished which is what I expected.
Enhanced Resource Centers needs to be contacted by the attorney general with a cease and desist letter and/or at least be sued for deceptive practices.
|
| 08/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX needs to be held accountable!
I was notified by XXXX ( a collection company ) on XX/XX/XXXX that I had a delinquent XXXX account that had been submitted to them for collection. I immediately reached out to XXXX to discuss the case. I advised them that this was identity theft as the service address was Indiana, and I am a Delaware resident. I have never been to Indiana, let alone started cable service in that state. The perpetrator had used my social security number, previous mailing address and maiden name. XXXX had extended this person credit despite there being a fraud alert on ALL 3 CREDIT BUREAU REPORTS. XXXX requested a Fraud Claim Form be completed. The claim form was submitted, to include a police report. On XX/XX/XXXX a letter was received from XXXX stating that all collections attempts would cease, and all information submitted to the credit reporting agencies would be removed. I was also assured that my SSN had been alerted to avoid any new accounts to be opened. No additional correspondence was received.
On XX/XX/XXXX I was notified by XXXX XXXX that I had a new collection account on my XXXX report, regarding XXXX service, submitted to XXXX XXXX XXXX. I reached out to ERC and spoke with XXXX, I confirmed that this was the SAME XXXX account that had been sent to the other collection agency ( XXXX ). I reached out to XXXX twice but both times was directed to someone that spoke broken XXXX and was neither willing or interested in addressing my concerns. XXXX should not have extended credit with my fraud alerts having been placed, and are now using ANOTHER collection agency to collect a debt I do not owe. I submitted all of the requested documentation, yet they continue to harass. My credit score has dropped 18 point because of this! XXXX should be held accountable for allowing an account to be opened with an active fraud alert in place AND for sending the account to not 1, but 2 collection agencies!
|
| 09/22/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( XXXX XXXX XXXX, XXXX XXXX XXXX, ENHANCED RECOVERY COMPANY ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n
|
| 10/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
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.
|
| 09/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 09/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have filed this complaint before case # XXXX when another debt collector was being used by XXXX XXXX. They continue to pursue these charges but have not EVER proven where they come from and how they applied to my account that was closed in XXXX 2014. The account was paid in full and 6 months later an additional bill was sent to collections which I refuse to pay without accountability of where the charges come from. I have reviewed complaints about XXXX from other customers and they are notorious for charging erroneous amounts after accounts are closed and people pay them and find they continue to get billed even after that. I fear that this will happen to me as I paid my final balance IN FULL. XXXX is a dishonest company that has refused to comply with the basic consumer right of disclosure of services being billed. This should be illegal and I wish I was able to sue them for the time spent and the damage they have done to my credit history. As soon as XXXX debt collection company dumps the account, they move to another. This is what they have done. The same charges are now with a different debt collector. They will continue to harass me until I pay this charge. My credit has been damaged to the point where I do n't even care any more. They will never get a dime from me as they are thieves and I will never pay them an amount I simply do not owe. This is the fleecing of the consumer {$100.00} to {$200.00} dollars at a time. They do this because they know at some point people will give in and pay the amount they are harassing them about. I have called them numerous times to request a full outline of where these charges come from and they refuse to comply. I am NOT going to pay just because they say I owe the money. Please refer to the previous complaint that I filed and the resolution of that account. I now have to communicate and start all over with this new debt collector. This is a scam and has to be stopped.
|
| 02/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was planning on purchasing a new home in the country. I inquired about XXXX XXXX and was told that I had 30 days to try out XXXX XXXX. I had it for less than two weeks when I decided to cancel and go to a cheaper plan with XXXX XXXX for TV and internet. I am a single parent and wanted to get the best deal possible to help save with monthly cost. I was not informed at the time of cancellation that I would owe them a fee for cancelling services, the only thing that I was told is that I needed to send the equipment back in which was done. A month or so later I received a bill from them saying I owed them hundreds of dollars for cancelling early, it was only 10 days into the service. I told them I was willing to pay for my service but was not going to pay a fee because I was told I had 30 days. I decided to go with XXXX XXXX whom also stated that I had a 30 day window and that I could cancel if not satisfied with the cable and internet service. I ended up moving out of the house after realizing I just could not do it by myself with XXXX children. I cancelled XXXX XXXX before 30 days and sent back the equipment as requested by XXXX XXXX. They ended up trying to charge me a cancellation fee as well. I did pay them what was owed on my bill and told them that it was stated that I had 30 days to cancel and that I had just been through this with XXXX XXXX so I made sure this would not happen with them if it did not work out. Now both of these are on my credit report and I need help getting them removed. They will not take it from my credit report. I have tried offering them a settlement amount, but that does not seem to make them happy. I have never bought a house and I am trying to do that in the next year for my children and I. Like I said I am willing to pay for the TV service that was used, but I should not have to pay hundreds of dollars for simply cancelling my services. I sent in all equipment as requested.
|
| 06/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/2018 I received a notification from XXXX that my credit report had changed and that a new collection in the amount of XXXX from XXXX XXXX XXXX ( ERC ). I called ERC to find out where this collection came from and after collecting my name and Social Security Number they stated that they could not find it in their system. I was told to send an email with a screenshot of the collection from the credit bureau to them and at that time they could determine the etiology of the debt. I informed them that this was ridiculous since they were the agency reporting me, yet they could not find me in their system. At the same time, I asked them why there had been no attempt to collect this debt as I have not received any correspondence in writing. In fact, I was blindsided with this credit ruining collection. The agent on the phone had no response. After the phone call I attempted to take a screenshot of the collection, but was prohibited by XXXX due to their privacy. Two days later, I called XXXX XXXX on a different phone number to see if they could tell me where this collection was coming from and once again they could not find me in their system from my name and phone number and they informed me to send the credit reporting information to them by email and then they could find the debt.
Finally, I am disputing 2 things. The first is that there was no effort to collect this debt. I have not received any correspondence by mail or telephone from ERC with an attempt to collect this debt. If they had made an attempt to collect the debt they would have had my name or phone number in their database. The second, is that I believe that it may be an invasion of privacy to request the debtors information from the credit reporting information as a way to validate the debt. In any event, if this debt is mine, I would like to pay it and since there was no attempt to collect the debt, I want it removed from my credit.
|
| 10/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XXXX/XXXX/17 I Disputed both accounts # XXXX and XXXX in which ERC received on XXXX/XXXX/17 and they did not list account # XXXX in dispute! They also responded to the dispute of account number XXXX on XXXX/XXXX/17 which is well over the time allowed! In regards to both account numbers ERC sent out alleged Bill statements which is incomplete, and has no break down of inaccurate amounts, They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have I ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today!
SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open, AND Account type WHICH list [ collection-non specific ] W/XXXX AND list [ Other ] W/XXXX Similarly, telephones are often used for business purposes. This includes cell phones, and even land lines that are located in residences, which might be used for home businesses. To identify whether a debt was incurred, the starting point would be looking at the charges reflected on the monthly phone bills. If the bills can be obtained, the charges will not be self-explanatory. Once again, the debtor would need to be deposed in order to determine if each of the charges is properly characterized as business or personal.
While some unpaid obligations will always qualify as a debt under the XXXX, many will not. Collectors should examine each case individually to determine whether a debt was incurred and whether the Act applies.
DOES NOT QUALIFY TO FALL UNDER DEBT as stated under XXXX.
|
| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Hello on XXXX XXXX i woke up to check my credit account and i saw a new collection account was added to my account. Upon further review this indeed was a collection account that was once removed from my credit report was added on again by the same collector without prior notice. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was XXXX/XXXX/17.
Pursuant to the FCRA, I 'd like to be provided with copies of the certification required for reinsertion for this account.
Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
XXXX Additional information. As part of, or in addition to, the notice under clause XXXX a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion XXXX a statement that the disputed information has been reinserted ; XXXX XXXX XXXX the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;.... '' I was not so notified. I am disputing this item. I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request.
Thank you for your time and effort.
|
| 03/29/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In XX/XX/XXXX I entered into a contract with XXXX for two years with 12 months of promotional price and 3 months of free prime channels. It was also explained to me that If I would move and not be able to receive their services I could terminate with no fee. This was important information to me due to the fact I was a renter. I also was told at 12 months I could enter into a new promotion. I was also suppose to receive some football package which I never did get. I moved in XX/XX/XXXX and kept the services at the home I was in prior until mid XX/XX/XXXX I believe. At that time I contacted XXXX and explained that I moved to a new place where I was not able to have XXXX. I was told that I could enter into a " hibernate '' which I would pay {$15.00} I believe to keep my account active and they pulled this out of my account without my knowledge using my card that was on file. They stopped pulling it out of my account and that " hibranate '' period ended. I told them again that it was told to me multiple times that I would be able to cancel my service with no fee due to not being able to have their services. It went to collections a year later and I contacted them again and called their corporate office in California. I talked to numerous people non of which I remember names. I thought it was resolved until recently it was at a new collection agency and no on my credit report. I also found that the federal trade commision charged XXXX in XX/XX/XXXX for deceptive advertisement. This situation is very similar to mine. I do n't honestly remember all the specifics because I really thought this was resolved. I can not have XXXX where I live and I was told by XXXX before signing up that If this situation were to happened I would no longer be bound to the contract terms and would be able to cancel with no fees. I expect that they would stand by thier word or I would not have entered into this agreement.
|
| 02/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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On XX/XX/XXXX, I was notified by XXXX from my XXXX account that a collection debt was flagged. XXXX/XXXX and the collection agency they use XXXX XXXX XXXX XXXX ( ERC ) put a debt collection on my credit report and I never received a bill. This charge is from XX/XX/XXXX! I paid a previous balance in XX/XX/XXXX and the debt was paid. They also had my current address and current phone number which has not changed. I called XXXX/XXXX and have called the collection agency and complained about this. They are currently saying I owe a debt of XXXX which I do NOT. We have also learned the reason why I owe this is because when I paid for the service back in XX/XX/XXXX at one apartment and then had to move into another apartment 6 weeks later and transferred the service, they did not transfer the ENTIRE service! They have admitted the billing/ accounting error and have still demanded I pay the XXXX. After numerous complaints and numerous back and forth phone calls, a lady from their administration service has told me the bill is valid. After researching on this and I demanded them to send me a copy of the contract and paperwork, they have told me they can not produce it! So I am being told by these 2 ridiculous companies that I owe a debt of XXXX with no contract or paperwork and no previous bills ... When I paid the debts in XX/XX/XXXX, nothing was ever stated to me nor mailed. One more thing, both debts on my XXXX credit report states PAID and CLOSED. So after reading this situation, please let me know if you can help me. Today during a conversation with XXXX/XXXX, they told me that the debt collection was through XXXX, the debt that was reported on my credit was through ERC. XXXX XXXX XXXX XXXX. I have also disputed this debt with XXXX, XXXX, and XXXX. I also have some screenshots saved and a few conversations recorded from XXXX/XXXX, and yes they were told they were being recorded. Thank you.
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| 07/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Enhanced Recovery Company, LLCFind a LocationPhone : ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXXXXXXXXXX : //www.erccollections.comFax ( XXXX ) XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Enhanced Recovery Company , LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation.
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX FL XXXX
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| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Hello. This complaint is very simple in nature. I am filing a complaint against Enhanced Recovery Corporation as well as XXXX and XXXX XXXX. The reason being I have disputed an account on my credit report to the credit bureaus in question as well as directly to the creditor. I submitted these notices on the XXXX of XXXX this year. It is my understanding these companies have 30 days from receipt of my notice to provide me with investigation results. The collector is also supposed to provide me with itemization within 30 days of my request to prove the validity of this debt. I have not received either.
Just to make things very clear, I am not an unreasonable person. Clearly things are a little delayed due to COVID-19, but that does not excuse these companies from doing their job altogether. Even if the mail was a little delayed in arriving to these companies, There has been more than ample time and opportunity for these companies to begin an investigation. Not only did I not receive any notices with investigation results, I have reviewed XXXX XXXX and an XXXX report as of today, and there is no note on the Enhanced Recovery collection account that any investigation or dispute is even taking place! Please know that I am very diligent when it comes to researching so I was able to obtain a valid address for XXXX XXXX and submitted my request to them via mail to XXXX XXXX. XXXX XXXX XXXX, PA XXXX. I also sent a notice to XXXX at XXXX XXXX. XXXX XXXX XXXX, TX XXXX. I also sent a notice to Enhanced Recovery Collections at XXXX XXXX XXXX, XXXX, FL XXXX. NONE OF THESE COMPANIES HAVE RESPONDED IN ANY WAY!
At this point I need this collection to be removed from my credit report. Even if this was a legitimate collection, these companies have not adhered to the Fair Credit Reporting Act or the Fair Debt Collection Practices Act respectively. Thank you for your assistance in this matter.
|
| 12/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, AK XXXX
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| 04/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request
|
| 11/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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ERC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 01/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX fraudulently charged my account with $ XXXX months after it was closed. They then sold the debt to a third party company ( ENHANCED RECOVERY COMPANY ), which I discovered on my credit report.
I'm still having trouble getting this removed from my XXXX report, even though I have sent them proof that my XXXX XXXX account was closed long before they continued billing me for their service.
On XX/XX/XXXX I received my final ( accurate ) bill from XXXX. I paid it that day online and received confirmation that my balance was {$0.00} and my bill was paid in fill and the account was closed " Your final bill will be approximately {$0.00} '' I received another bill on XX/XX/XXXX for an additional {$20.00}.
I disagreed with that amount, so I contacted XXXX chat support. I have the transcript from that chat where I told them to just go ahead and charge my card for the {$20.00} and to make sure my account was closed.
At that time I was assured that the ACCOUNT WAS CLOSED.
From XXXX Chat Reference Number : XXXX " XXXX : XXXX, rest assured that you won't get charged in future on the account as the account has been cancelled. '' Approximately 1 year later I discovered that in XXXX of XXXX a third party company ( ENHANCED RECOVERY COMPANY ) had purchased a debt for {$190.00} and added it to my credit report.
This was the first I had ever heard of this {$190.00}.
I went back through old emails and discovered a bill from the CANCELLED XXXX account that was sent XX/XX/XXXX for {$190.00}.
That was 2 months after my account was originally closed. And 1 month after the chat transcript proves that XXXX confirmed the account had been cancelled.
I contacted all 3 credit bureaus and emailed them proof that I don't owe this money. However, it is still appearing on my XXXX report.
Now I'm fighting to have a {$190.00} fraudulent charge from XXXX removed from credit report.
|
| 07/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XXXX Enhanced Recovery Company ( ERC ) reported a 'new ' collection from " XXXX '' to my report dropping my score by 20 points without notice or warning. I obtained a more detailed report from XXXX and saw that ERC opened this account on XX/XX/XXXX and states that I owe XXXX. ERC also obtained my credit report on XXXX. I do not owe XXXX any money and there is no reason to report this debt as if it is new with no communication from the agency that has had access to all of my current personal and contact information as of XXXX. Based on previous credit reports and information obtained from my research, the only XXXX debt on my credit was successfully disputed and removed in XXXX and XXXX because it was fraudulent and I did not open this account. The debt is being sent to different agencies and reported as 'new ' and it is ruining my credit that I have worked hard for over the past few years. I did not contact the company because I have dealt with them in the past over other debts that were obviously not mine ( using an address I have not lived at for nearly 10 years ) and they are rude, nasty and disrespectful. They also attempt to get you to agree to pay so they can start collecting on time-barred debts. This company is illegally trying to collect a debt that is not mine after 5 years and successfully disputing this account with other agencies and having it removed twice. This company has no interest in speaking with customers over fraudulent accounts and just want to verify your information, new or old, so that they can look for other debts of yours to collect on. This company has used the pandemic as a means to recover debts by reporting a collection to my credit to force me and others to pay for deletion to keep their company open during this time. I have disputed this collection once again with XXXX and XXXX as soon as I saw the notification early this morning.
|
| 12/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
|
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My roommate decided to purchase cable through XXXX XXXX she ended up falling for XXXX those check scams where you cash a check for someone and then the check bounces and you owe the bank the money from the bounced check. So she ended up losing her bank account and could no longer pay the XXXX TV account with her credit card. Therefore, I offered to pay her monthly fees with my credit card and she could give me the cash. However, the account was still completely in her name attached to her social security card. Fast forward a couple months she decided to move out and takes the XXXX account with her to her new place. Fast forwarded almost a year ( I would sometimes get calls from XXXX asking me if I knew where XXXX ( my old roommate ) was and I would tell them no ) I see that XXXX has sent me to collections. I call the company right away pretty angry at the situation because not only did they have all my information but they wrongly sent me to collections damaging my credit. When I asked how they got my information they said that I tried to purchase XXXX once before ( which I immediately canceled due to bad customer service ) and that is how they got my social security number. Anyways, they were not very helpful and told me to file a dispute with the credit bureau which I did and won and it was taken off my credit. However, I recently checked my credit again and it was back on under a different name. I was very confused so I called the credit bureau and they said that after XXXX lost the dispute they sold it to another collection agency! Which seems really crazy to me and completely unjust. The credit Bureau then gave me your information and told me to contact CFPB and file a complaint. This was taken off my account and then was just added by your company I have disputed this and won many time now so I do not understand how it keeps getting bought by different companies.
|
| 06/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
|
I contacted Enhanced Recovery Company XXXX/XXXX/15 regarding a XXXX debt in which I was unaware of. After speaking with a reprensentative who refused to answer my questions I was transferred to a Supervisor named XXXX. After attempting to speak with him he continuously over talked me and refused accept my request of a validation yet tried forcing what he thought he knew on me and forcing me to pay the debt. I understand how cell phone plans work I 'm not stupid and XXXX had no right to deny me a validation of a debt I was unaware of!!! He even had the audacity to ask if I wanted to dispute it or if I wanted a validation like I had to choose between a validation or dispute. XXXX went on to say I had to send the dispute in writing or nothing in his office will be done. Why was my right to dispute this debt and request a validation denied by this company? Why was I forced to choose between a validation or dispute? The notices says dispute the validity of the debt within 30 days or it 's assumed mine. The letter does not state it has to be sent in writing so why was XXXX trying to force me to send it in writing when I clearly disputed it verbally various times? Section 809 of the FDCPA does only require that the collection agency validate in writing when the request for validation is done in writing. But as per the notice I received there is no specific request nor requirement of the dispute or the request for validation to be placed in writing so therefore I feel as though this collection agency is poking fun at the FDCPA. Thus being unfair and violating my rights as a consumer as well the collection agencies that put forth the effort to maintain compliance. Being that a dispute and request of validation are both a form of a dispute they still need to be treated differently as well as investigated properly which this company refused to do. I also have everything recorded.
|
| 02/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
|
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On XXXX I switched my cellphone service from XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX offered an switcher program that allows XXXX XXXX XXXX to buy your phones from XXXX and pay your remaining cell phone balance.
All of the necessary measures were taken from my end which required me to cancel service with XXXX, complete the switcher program online, and turn in all XXXX of my cellphones via mail. I have a photo of the box I sent through XXXX and the tracking information stating that the phones were delivered to XXXX XXXX XXXX.
I never received credit for my cellphones and I have a remaining balance ownd to XXXX of {$2400.00}. This balance has now sent to collections and I never received any resolve from XXXX XXXX XXXX. I did receive confirmation that the cellphones were in the factory but they had to check the phones to make sure they were in good shape to receive full credit. All the phones were like brand new and I had only had them for about 3 months before switching over to XXXX XXXX XXXX.
I spoke with XXXX local XXXX XXXX XXXX store managers and there was no resolve. I was referred to call XXXX XXXX about receiving credit for my phones and last payment. I spoke with multiple people which I have documentation of who and when I spoke with them again with no resolve.
Lastly I spoke with corporate of XXXX XXXX XXXX which was the Executive Response Manager for my case and she explained that they had my cellphones and that they were behind in their work and they would get back to my case. After several email attempts she stopped replying to my emails after all the necessary information was presented to her.
I now have this debt on my credit report and my cellphones were basically stolen by XXXX XXXX XXXX leaving me in financial grief and frustration.
I am looking to receive {$2400.00} from XXXX XXXX XXXX to pay off the creditors and clean my credit report.
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
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I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Enhanced Recovery Company , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
|
| 08/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
In XXXX, 2019, I received notification via identification/credit monitoring agency of a derogatory item on my XXXX credit report. Upon review of my XXXX credit report, I noticed a report of collection by " XXXX XXXX XXXX XXXX '' ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Phone ( XXXX ) XXXX ) for the sum of {$130.00}. The original creditor was listed as " XXXX XXXX. '' ( Original CR entry attached. ) On XX/XX/2019, I filed a dispute with XXXX indicating that this is NOT my account. On XX/XX/2019, XXXX issued a letter stating : " After reviewing your dispute, we found the information you disputed does not currently appear on your XXXX credit report. '' Apparently, XXXX XXXX XXXX XXXX had withdrawn their reporting.
On XX/XX/2019, I received another notification of another derogatory item on my XXXX credit report. Upon review, I noticed that this was for the same {$130.00} to XXXX XXXX. This time, however, the account was reported by " Enhanced Recovery Co. '' ( XXXX XXXX XXXX, XXXX, FL XXXX and/or XXXX XXXX XXXX, XXXX, FL XXXX. Phone ( XXXX ) XXXX ).
It appears that in anticipation of a pending nullification of the account in question, XXXX XXXX XXXX may have sold the disputed account to Enhanced Recovery Co. This seems like an unethical business practice. No honor among thieves, though, I guess.
My issues are, first, this is NOT my account. Secondly, how can this account ever be properly addressed if every time it's disputed, it gets sold to another collection company? And finally, how can a collection ever " time out '' if these collection companies keep bouncing them back and forth, resetting the clock. It was sheer luck that I noticed this. Thanks to " XXXX '' for the heads up. I never received any notice from XXXX XXXX XXXX or Enhanced Recovery Co! Without monitoring, this may have followed me forever! And it's not even mine! This seems like fraud to me!
|
| 08/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
ENHANCED RECOVERY COMPANYXXXX XXXX, FL XXXXTel : ( XXXX ) XXXXFax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # ENHANCED RECOVERY COMPANY AAC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation.
Sincerely, SOC SEC # XXXX DOB XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX
|
| 09/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX XXXX ) and third-party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged balance owed.
On XX/XX/2018 I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/2018 at XXXX XXXX. this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX XXXX continues to ignite .my requets. They have willfully violated my consumer rights according to the Fair Debt Collections Practice Act.
Specifically, I requested the documents from their files they used to verify this account. Under the FCRA, I have a right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted.
Who verified this account? What documents were used to verify this account? Where are the documents they used?
It has been seven months from the time of my initial request for validation and to date they have wrongfully ignored and violated my consumer rights by refusing to validate this alleged debt.
XXXX XXXX XXXX is in direct violation for continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested seven months ago. It is my connection that XXXX XXXX XXXX can not provide evidence that I am contractually obligated to this account and as a result, are in direct violation and totally disregarded the law.
|
| 12/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
ENHANCED RECOVERY CORP XXXX XXXX XXXX years in business Headquarters XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CORP or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CORP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, FL 32907
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| 09/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
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ENHANCED RECOVERY CORPACCOUNT NUMBER : XXXX XXXX XXXX, XXXX, FL XXXX : XXXX. Fax : XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify credit collection services or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : ENHANCED RECOVERY CORP INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation.
Sincerely, XXXX, XXXX SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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In 2014 I transferred service within XXXX XXXX XXXX communications from a traditional landline/internet package to a XXXX package. I was advised by XXXX XXXX XXXX at the time that my new bill for my new package would be prorated for the number of days left in my billing cycle that I had that account and that the remaining prorated balance from my previous package would be included. I have been informed by a collections agency, ( Enhanced recovery ) that I have a balance with them for an unpaid bill from XXXX XXXX XXXX for {$61.00} for said service. When I called XXXX XXXX XXXX about this, they stated it was a final bill for a closed account. I explained that the account was not closed by me and that the service was transferred. The agent indicated that they could see I was a customer in good standing and have been since before 2014. They indicated that the balance was not transferred before the account number was changed over to the new account number for the XXXX package and that this caused the issue. They told me to call Enhanced Recovery to request the debt be removed from my credit report. They also told me that I could pay XXXX XXXX XXXX directly for the amount owed. I asked if they could provide proof that I owed them this money and they could not because it was in collections. Once I called Enhanced recovery they indicated that I could pay them for the debt but doing so would not remove the issue from my credit report. They advised that only XXXX XXXX XXXX could do that. It is not my fault that XXXX XXXX XXXX did not bill me correctly and by their own records they show that I have paid all bills fully and am in good standing. XXXX XXXX XXXX has not yet provided proof that I owe them this amount nor have the addressed that it was their billing process error that resulted in the collections action for a bill I should have and did n't ever receive.
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| 03/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX/XXXX never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX, XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws.Furthermore it appears my account may have been transferred to Enhanced Recovery Company who i have never heard of. That is a double FDCPA violation because not only didnt XXXX/XXXX not send me a final bill and damage my credit, Enhanced Recovery Company never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX/XXXX and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$150.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In my discussion with XXXX and chatting with agent by the name of XXXX, I was advised if i want it removed from credit bureau i have to either pay in full to XXXX or to the collection agency. here is the excerpt below from our chat session XX/XX/XXXX at XXXX 1. We can process the payment for the final bill then I will submit a request to remove the credit report, however, the removal will take up to 30 days from the date of the payment.
2. You can contact the Enhanced Recovery and make a payment with them directly for a faster removal of the credit report, XXXX.
I advised that I am not paying anything without seeing the final bill first and furthermore having the negative reporting deleted first.
This further backs my claims of illegal tactics by these companies.
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| 03/24/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
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Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges OF {$30.00} I have enclosed proof of my identity and a copy of my FTC Identity Theft Report.
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft.
I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks.
Please send me copies of all records relating to the account, including : -Account applications made on paper, online, or by telephone -Account statements or invoices -Records of payment or charge slips -Delivery addresses associated with the account -Records of phone numbers used to activate or access the account -Signatures on applications and accounts -Investigators report -Inform the business where the account was opened that the debt is the result of identity theft -Stop collection activities against me -Stop reporting information about the debt to credit reporting agencies -If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft -Provide me with the records I request -If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Thank you for your cooperation.
Sincerely, XXXX Enclosures : -FTCIdentity Theft Report -Proof of identity -Notice to Furnishers of Information Please provide me with the records I request
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| 07/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX XXXX I received a collection notification from Enhanced Recovery Center in regards to doing business with XXXX the amount of {$1200.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
|
| 03/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Enhanced REsource Center -ERC ( a debt collection agency ) started calling my home, I finally answered the call and was told this was an attempt to collect a debt for XXXX XXXX for {$140.00}. I told the young lady she had the wrong number, as XXXX does not service my area - I have ATT. she said it was for a service address in XXXX. I stated, I do n't know anyone in XXXX, XXXX and if it has my name I am a victim of I.D theft. She stated, the account was opened and that was the service address and my name and number in GA was listed as the bill pay address. I said, I have never heard of such a thing. She kept asking, How was I going to pay the debt? I finally got her to realize it was not my debt. I asked was my SSN used and she said no. She gave me a number for XXXX. I called XXXX XXXX. and asked did they allow their customers to bill to XXXX party address without consent?, and I was told, YES. When I called back they rep. denied I had a bill with them. I have recently been told I have to go thru the fraud dept at Charter and fill out the paperwork, however, I think that is insane being that they -Charter allowed someone to bill to someone else 's address in a totally different state. I know the Identification theft process I have had to use it before. But I feel XXXX was negligent approving such foolishness in the first place and they should be held accountable and made responsible for finding a solution. I still received a bill from ERC notifying me I had 30 days to prove it was not my debt or I would be held accountable. Again, XXXX was negligent in letting the stranger use my name and address without first verifying with me. I was not aware service could be established with a SSN in any type business. I also never received a bill from XXXX XXXX alerting my of service in my name. My first notification was from the bill collectors.
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| 02/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
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On XX/XX/XXXX I spoke to a representative of ERC about a bill I owe. I set an appointment with XXXX to call me on XX/XX/XXXX to discuss the terms of settling the debt, as I would have a better idea of whether or not I could pay the settlement agreement in full or I would need to set up a payment plan.
Today, XX/XX/XXXX, another representative of the same company for the same debt called me, and thinking it was a mistake, I explained that I already had an agreement in place with another rep and would be in contact with their company on Friday.
After this conversation, with her acknowledgement that I'd already set up to be called on Friday, she asked if I wanted 3 bi-weekly or 3 monthly installments. I declined to speak further on the account and stated so, because she clearly wasn't listening to me. She then told me she would set me up on a payment plan for 3 bi-weekly payments and needed a debit card or checking account number to secure payment.
I then repeated that I decline any payment arrangement because I don't know what my finances will look like, and while I don't deny I owe it, and do intend to pay it, I can not promise her money I don't know I have.
She then stated she set me up on the payment arrangement and asked again for a form of payment. I again, stated very clearly that I decline her doing so.
She then asked me for my payment information, and I repeated that I decline her setting up a payment arrangement. Her next statement was " with no response we will try to call at another time ''. I found this to be overly aggressive, predatory, and harassing. Not only did her company have a record that I had already been spoken to and that I would be in contact in less than 10 business days, she attempted without my permission, to engage me in a contract multiple times that I in no uncertain terms declined, multiple times.
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
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This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE
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| 05/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you.
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
|
| 01/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 02/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Several months ago, I was notified that my credit score had been negatively impacted due to a collection filing. My credit score normally hovers around 830-850.
Upon investigation, the collection account was for an XXXX & XXXX debt in the amount of {$1200.00}. I have no business with XXXX XXXX XXXX.
I called XXXX XXXX XXXX to advise them that this is not my debt. Upon discussion with XXXX XXXX XXXX, they said that someone purchased a phone through credit and then never made any payments. Clearly, this was some sort of scam and XXXX XXXX XXXX was victimized.
We agreed that the account was : 1 ) not set up in my name, but in the name of XXXX XXXX, 2 ) the social security numbers did not match and 3 ) the street addresses did not match.
They agreed to release the collection and move on. I followed up with all three credit agencies and the collection has been removed.
Last week, I received a debt collection notice on behalf of XXXX XXXX XXXX from ERC. It seems they now have my address, which I gave to them on the phone when I originally called to prove they had the wrong " XXXX. '' I will restate the following : 1 ) I am not XXXX XXXX and have never been XXXX XXXX ; 2 ) I do not know who this person is ; 3 ) The XXXX & XXXX account and collection letter is in the name of XXXX XXXX, who is not me ; XXXX ) XXXX XXXX has never lived at my current or prior addresses ( I have lived at my current address for 23 years ) and 4 ) none of the other identifying factors match to me.
I have spent a great deal of time already on this issue. I do not know how to get AT & T to cease and desist contacting me directly or indirectly through collection agencies.
This is not my debt. I am not this person. Your help in resolving this issue would be greatly appreciated. It is threatening, stressful and time consuming to me. Thank you.
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| 12/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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For months I been contacting ERC to removed derrogaroty remarks out of my credit report. I own XXXX credit card with XXXX for 15 years or more, before covid started I put myself behind, NEVER in 15 years late, with a total line of credit of {$8000.00} never used.
My Dad got XXXX anf priorities shifted, I still called them and I was unemployed in XXXX for 6 months and I keep them informed. In XX/XX/XXXX I resolved this debt in a settlement of {$900.00} with ERC the cpllction company XXXX used to collect, they pulled the wrong amount due to being made over the phone with a debit card ( never again ), they pulled {$1200.00} so the bank reimburse me for {$330.00}. I called them in XXXX I told them I needed to be reported diferent in my credit since I have already paid, they advise me to talk to XXXX that they do not do any reporting. Is been a a totally struggle and right now this account is preventing me to refinance my home. In XXXX XXXX I sent letters to XXXX XXXX the 3 credit bureau XXXX to XXXX XXXX after hearing the shoking news that my account have not been paid, this letters included copies of bank statement, letter of settlement and they still doing nothing about it. I also faxed the probe to them and e mail the satements This is unfair dealing I had paid this account in the settlement they agreeded upon which was {$900.00}. I need them to fixed I called the Law firm XXXX XXXX and a lady by the name of XXXX XXXX said that they been handling my case as a complaint not as a dispute and that allow them to revised ONE more time the documents I Sent XX/XX/XXXX to her e mail at XXXX and give them 5 days to call back for the status.
XXXX of XXXX showed amount pulled by ERC-XXXX XXXX XXXX XXXX on XX/XX/XXXX transaction Statement of XXXX showed amount of {$330.00} a provisional credit from transaction XXXX.
|
| 05/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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I have noticed that Enhanced Recovery Corp has inserted a collection item on my XXXX credit report. It has an opened date of XXXX XXXX, 2016 and a last reported date of XXXX XXXX, 2016. I have never received any communication, written or otherwise, from this alleged creditor and have not received notice of my right to dispute. Their failure to send dunning notice within the 5 day period set forth in FDCPA 809 ( a ) is a violation of that section.
I do not know this company, I do not believe I owe them anything, I dispute their claim on my credit report, and I demand that they stop all collection activity pursuant to the FDCPA, including illegally furnishing information to the credit bureaus.
I have never agreed to do business with them, and they are not mentioned on any contract I 've ever signed with anyone. I demand full validation from them, including : 1. A copy of a contract between Enhanced Recovery Corp and myself with my true signature on it, 2. A full accounting of the alleged debt and the dates these events occurred, 3. Proof of assignment or ownership and a full chain of assignment, including what they have paid for this alleged debt, 4. A copy of the contract between me and the original creditor with Enhanced Recovery Corp mentioned showing that they had some interest to protect, 5. Proof that the alleged debt is not outside the statute of limitations, and 6. Proof that they have my consent to slander me on my credit reports, which has to be in writing with my signature on it. Without this proof, they must remove all traces of their slander from my credit reports.
Under NO circumstances do I authorize or give any consent to Enhanced Recovery Corp to furnish any information to my credit reports, nor to take any actions that would result in an inquiry on my credit reports from their company.
|
| 06/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly REMOVE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with ENHANCED RECOVERY COLLECTION I have never done business with this company. I am not liable for collection from this debt from ENHANCED RECOVERY COLLECTION. I am not responsible for this debt with ENHANCED RECOVERY COLLECTION. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
|
| 05/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
Enhanced Recovery Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information.
Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$81.00} dollars on : XX/XX/XXXX I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement then also reports " on Record until XX/XX/XXXX ''. Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 2 ) that I still owe {$81.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 4. the above named company was not the initial company who I allegedley did business with ; 5. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate information states that I did busienss with XXXX XXXX. And not Enhanced Recovery.
6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;
|
| 12/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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.
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Back in XXXX of 2022 I was made aware that something negative had hit my credit. Upon inspection I found that " enhanced recovery CO L '' had come into possession of an XXXX $ debt. From XXXX phone company. Now I had recently closed my account and paid it off on full as I was not receiving cell service most places I went. I ported my number over to XXXX which again, I was only able to do once I paid my XXXX account in full. Come to find out that on XX/XX/2022 XXXX sold " my debt '' of XXXX $ to enhanced recovery CO XXXX This now effected my credit. I called XXXX and attempted to pay the past due after questioning the validity of it. They strongly affirmed that the XXXX $ was accumulated post phone bill date and would be " final usage bill ''. They would not allow me to settle as the debt was no longer theirs. I have now tried twice to pay it in full of deleted without any luck. I never received any sort of notification that I owed any additional money post canceling service. The phone company claims to have sent a letter to what sounds like the correct address. I never received any such mail from them in that time. I still continued to have the same email and phone number as before but the phone company claims that their only form of notifying me of this debt, was through a ( well known ) failing postal system. They had no intent of using the technology that they peddle to assure I received notice. I'm not sure if they sold it to creditors out of spite from me canceling, or if it was simply to close all accounts at the time ( exact timing of XXXX merger ). But either way I think I should be able to pay what I owe without it effecting my house purchase for the next 7 years. I never missed a bill with them. I've never missed XXXX with XXXX either. When I know I have the bill, I always pay it.
|
| 03/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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This is the third time in the past two years that a collection agency has taken this same tactic to collect {$1800.00}. I am assuming it is again a subsidiary of XXXX XXXX XXXX that has falsely claimed that I used their services and owe them debt. I have disputed and cleared the previous two errors ( or so I thought based on meaningless follow-up communications ). I would try again to work with this new debt collector, but this problem is too pervasive. How can XXXX XXXX XXXX and XXXX ( which was just sold this past week ) create erroneous billing records and then knowingly sell the unverified debt?
I called Enhanced Recovery Co L at ( XXXX ) XXXX. I could not get past the virtual operator, who kept demanding account numbers ( that I do not have for this erroneous claim ) as well as my complete social security number ( not just the last XXXX ). I would never trust these people with my social security number.
The debt collection agencies change in name, but use the same abusive tactics of submitting minimal, unactionable details only to the credit reporting agencies to damage credit scores in the hope of forcing some type of payment even though nothing is owed ( legitimate or verified ).
I have never received any tangible, actionable details in writing or via a call from Enhanced Recovery.
How long is this ridiculous practice going to go on? Why don't they have to provide actionable details before they inflict meaningful damage to credit scores with erroneous information? Will I ever be able to make XXXX XXXX XXXX to clean my details out of its system. By the way, I have not used any any XXXX XXXX XXXX service in more than 20 years and I never will again either. I realize that XXXX was sold this past week, but any past billing matter would have been under XXXX XXXX XXXX 's ownership.
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| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was recently made aware of Enhanced Recovery Company , LLC " ERC '' violating my consumer reports when I attempted to apply for an extension of credit. I have had no communication with this company, nor did they respond to my Cease & Desist letter that was sent XX/XX/XXXX ( attached ) and addressed directly to the CEO XXXX XXXX. These actions are a violation of FDCPA, FCRA, & the FBPA " The Acts ''. The Acts were created to protect consumers from harassment from alleged creditors and debt collectors. I had absolutely no idea that ERC has been harming my financial reputation for over 5 years until I pulled my consumer reports. I have no communication or contract with this company. Nor did I give this company permission to share any information on my consumer report as is required under the FCRA 15 USC 1681b ( a ) ( 2 ). Further, this is harassment as defined under the FDCPA 15 USC 1692d as well as false and misleading information 15 USC 1692e. The FBPA was created to protect consumers from violative business practices. These violations entitle the consumer ( me ) to exemplary damages. As ERC has been in business longer than 10 years, there is no excuse for their actions. Further, several court cases support XXXX XXXX non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. San Francisco Gas Co. v. Brickwedel ( 1882, 62 C. 641 ; Dore v. Southern Pacific Co. ( 1912, 163 C. 182, 124 P. 817 ; People v. Flanagan ( 1924 ), 65 C.A. 268, 223 P. 1014 ; Lincoln v. Superior Court ( 1928 ), 95 C.A. 35, 271 P. 1107 ; San Francisco Realty Co. v. Linnard ( 1929 ), 98 C.A. 33, 276 P. 368. ERC never had permission to be on my consumer report. Their actions provide all of the essential elements for a defamation of character lawsuit, emotional damages, and aggravated identity theft.
|
| 10/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Enhanced Recovery Company , LLC violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
|
| 10/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Enhanced Recovery Company , LLC violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
|
| 05/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I recently checked my credit report and noticed i had a new debt from ERC. Immediately I sent checked it out and noticed it was for an account that is obviously not mine because it was opened in XXXX XXXX and I live in XXXX. I immediately sent a debt validation letter to ERC to dispute this debt. I got a response back from ERC with so called 'validation '' which happens to be 3 months of bill ledgers. Whoever opened this account had it open from XX/XX/XXXX- XX/XX/XXXX and ran up {$1200.00} in charges.ERC nor XXXX nor XXXX have any proof of my license or a signed contract proving to me that I indeed opened this fraudulent cable account. At the time this account was opened in XXXX, XXXX ( Which I never even heard of ), I lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At that time i also had cable services at my address with XXXXXXXX XXXX who XXXX now owns. I am 100 % sure they can research that to verify that I cable in XXXX. But now when I asked them to pull up my account to prove I lived in XXXX they mysteriously can not pull accounts from XXXX. So how do they want me to verify the address I lived at during the 3 months this cable services was so called in " my name ''. I also called the electric company who told me they can only pull accounts back to 2 years. So this alleged cable account need to be removed from my credit report IMMEDIATELY. I am wondering why all of a sudden it popped up on my reports and I have no debt. Why wasn't it reported in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ,XX/XX/XXXX or XX/XX/XXXX?? I could have maybe had a chance to prove it wasn't my debt. Now 7 years later i'm STILL in XXXX living my good life and they want to pop up now. They need to verify ID from people opening services so things like what I am going through can STOP happening..
|
| 03/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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There are XXXX accounts that continue to show up on my credit report with a new collection agency every time I dispute the accounts but I 've yet to get any notification from any of the collection agencies reporting the information before they report it. I just recently reviewed my report to notice that Enhanced Recovery is now reporting the account and I 've never even heard of them. However, in the mail today I received a settlement offer from a different collection agency on one of the accounts that says nothing about enhanced recovery. When I dispute the items, I request validation on the accounts because I am completely unaware of where they accounts have come from. They get deleted and nothing is ever sent back to me so I am under the assumption they 've finally gone away. Then a month goes by and suddenly it shows up again but noone has ever informed me of the information before they just slap it on my credit report again. It 's my understanding that I am supposed to receive a letter giving me 30 days to dispute the validity of the debt prior to reporting it as well as send me this letter within 5 days of receiving the debt and none of this has ever taken place. If this is my account ( which it is not ) then why is it that when I request records, I ca n't get anyone to provide any documentation so they remove it then they just rereport it with a new collection agency without any warning? Also, one of the accounts ( XXXX ) lists an original balance of {$230.00} and on the letter I just received from the other collection agency it lists a balance of {$230.00} but then on my credit report it lists a balance for {$790.00}. None of this is legal and it 's a shame companies like this are even allowed to be in business. This is peoples lives they are messing with and they do n't care.
|
| 06/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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My name is XXXX XXXX XXXX and I would like to complain about Enhanced Recovery Company. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on XXXX credit report, the amount of {$68.00} reported by Enhanced Recovery Corp for XXXX XXXX expense. So I DISPUTED and talked to XXXX representative and waited for the result because it does not belong to me. However, XXXX replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in XXXX and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the Enhanced Recovery Corp directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on XXXX credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP!
For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is Enhanced Recovery Corp and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX.
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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good evening. tonight I decided to submit a complaint on credit reporting agency experian for failing to comply for a deletion regarding a collection agency enhanced recovery. erc has not validated the alleged debt they are claiming under my name. I have sent erc debt validation letters on XXXX different occasions to XXXX different adresses and I have still not received no proof that I owe them anything. I have attached proof to this complaint showing all the dates, letters, correspondence from XXXX and XXXX letter from erc ( they didn't even acknowledge my validation letter that I sent ), all envelopes showing I sent the validation letters certified and even a printed copy from the XXXX postal service website showing they in fact received my XXXX letter and still have not replied let alone provide proof. erc received my letter XX/XX/XXXX and it is now XX/XX/XXXX. I know there are laws and rules that protect consumers from debt collectors and there illegal practices under the XXXX and experian is at main fault because they keep reporting this unvalidated account going against the fcra by reporting this. I have provided all the proof experian needed to delete this account and they still leave it on my report. I am exhausted. I have been dealing with this behavior from experian and erc since XX/XX/XXXX and I have had enough. I have no choice but to come to your website to file a complaint. there illegal practices and unproper procedures are causing me so much stress because I can't get approved for any credit lines. XXXX had deleted this account so I dont understand what experian has that XXXX didn't when only XXXX furnisher reports these items on reports. I have also heard about the new laws that has been taken place XX/XX/XXXX and erc is facing serious violations and so is experian.
|
| 07/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
|
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In XXXX of XXXX my family and I decided to transfer 4 XXXX wireless cell phone lines over to XXXX as part of their " We'll cut your cell phone bill in half '' campaign. I was skeptical at first, and asked the salesman a lot of questions about their service, how quickly the conversion takes place when they switch your phone numbers over to XXXX phones, etc. He promised a smooth transition. However, 3 weeks later, we still had 2 phones that didn't work properly, my sons texts were going to my wife 's phone and visa versa, and so I had to spend the better part of each day for 3 weeks calling their service number, and having to re-explain the situation all over again from scratch, as they kept no computer records of the previous days interactions, and nobody knew how to fix the problem of getting our phones to work properly. After 3 weeks of XXXX, I took the new phones into the branch and returned them and asked them to cancel our service, as they we're never able to provide the services they promised to us. The salesman was very apologetic and said we would get us a full refund, and I believed the case was closed.
3 years later, in XXXX of XXXX, I get a collections letter in the mail. I immediately disputed this charge, and have gone through the painstaking steps of disputing this 3 times, and still no solution. This is a bogus debt, and now I am trying to build a house and this on my credit record is preventing us from getting it approved, not to mention financial damages in the form of mortgage insurance increases and a higher interest rate. I want this removed from my credit. I don't see how these phone companies can get away with this. It seems like anyone can ruin a persons credit with bogus claims. I think this is unacceptable. Thank you. Please see supporting documentation.
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| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
|
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About 2 years ago I decided to leave XXXX because they kept charging me for phones, tablets, and other devices that I did not have. When I brought this to their attention they continued to ignore me and when I did get a live representative they would tell me I had no choice and that I had to pay even if I was never given a phone they were charging me for.
After going through this and my bill continuously being incorrect I finally got to the point that I decided I could not take it anymore as it was causing me stress and I do in fact have XXXX and XXXX XXXX XXXX.
When I tried to cancel they would apologize profusely and start making me offers in order for me not to leave their company and I ended up staying longer but when they continued to charge me erroneous fees I finally could not take it and decided to cancel and I ended up going to XXXX XXXX XXXX.
When I left I paid the amount I owed and at that point, I did not hear from them for about 2 years.
However, I recently received a bill out of nowhere appear on my credit report for {$3000.00} from a collection agency called Enhanced Recovery as of XX/XX/2021.
Not only did I get this applied to my credit report I am now receiving threatening phone calls telling me that if I do not pay they will take me to court and even after expaining to them that I do not owe they are very rude and keep calling ane refuse to take this erroneous account off of my credit which has dropped y score dramatically.
Please review this as after exploring this company and XXXX I read many reports of them doing this to others with the exact same story but I'm sure once they realize they can't take advantage of me I am hoping they will remove it from my credit report and if not I will seek legal advice as I refuse to pay for a bill I do not owe.
|
| 11/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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THE COMPANY, ENHANCED RECOVERY COMPANY LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/XXXX XXXX congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.
|
| 06/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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I received repeated calls from a company claiming to be collecting a debt from a XXXX year old XXXX acct in the amt of {$42.00}. I asked repeatedly to send me a proof of debt or anything showing a bill where I owed. I never received anything from them but, an email with a letter attached with their company letter head and a line saying I owed them. Then during this process I moved to XXXX and started the finance process of buying a home. Due to the amount of time it takes up here to close my credit with the lender expired causing them to run it again. When they ran my credit again my score dropped XXXX points thus raising my rates because Enhanced Recovery Co. ( ERC ) reported the {$42.00} debt to the credit bureaus. I immediately called ERC and disputed the claim. They advised me that the only form of communication sent to me regarding the debt was mailed to an address I no longer live at in XXXX. I asked why they never contacted me in other ways ( phone call or email ) and they gave no explanation. They emailed me a letter ( illegal in the XXXX ) that went to the credit bureaus ( attached ) at that point requesting it be deleted from my record. At this point my mortgage has risen from {$1800.00} to {$2000.00}, up {$160.00} a month over a {$42.00} debt that no one has provided me any proof of owing. How is this legal? I close on my house in a week and XXXX XXXX has asked for a " rapid re-score '' but the timing of the credit bureaus removing is not immediate and the company that re-scores takes 3-5 days and is currently waiting on an additional verification from ERC that it was submitted for deletion? How do they get the right to verify the deletion when they received a letter from ERC but I am not provided with any verification when I request it. All of this over {$42.00}.
|
| 11/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
|
I do not have a signed contract nor any contract with ENHANCED RECOVERY COMPANY. I have never done business with this company. I am not liable for collection from this debt from ENHANCED RECOVERY COMPANY. I am not responsible for this debt with ENHANCED RECOVERY COMPANY. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
|
| 11/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THE COMPANY, ENHANCED RECOVERY COMPANY LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of consumer Financial Protection. XXXX, XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial protection Bureau. On XX/XX/1933, congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " whereas '' the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such information.
|
| 07/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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I have been repeatedly contacted by ERC. Every time that I have spoken to ERC, I have verified with them that the debt is not mine, the information that they have in their files is incorrect and the social security number that they have is not mine. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt.
In XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints.
I have been repeatedly disputing the ERC Collections account. This is not my accounts.
I have spoken to XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt.
In fact, The information that ERC has is inaccurate, the social security number used is not mine and ERC has confirmed it is not my social security.
However, that being said, ERC reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted ERC on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them that the social security number they have for this debt is not mine. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by ERC that they would be removing it from their files, which they never did. After speaking to ERC on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.
|
| 12/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have recently been informed that there is negative information reported by ENHANCED RECOVERY COMPAN Reported : XX/XX/2019 {$220.00} in the file you maintain under my Social Security number.
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported.
I challenge the accuracy, compliance and reportability of these listings.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
|
| 01/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I had XXXX I 'm not sure when I contracted but when I did the installer had to enter my home through the attic. The room where the attic is located in a room I rarely enter so I did n't notice that the installer damaged my property until later. I notified XXXX on a call to them while addressing another issue be it there poor service which went out quite often or an occasion where a representative was very rude to me and refused to transfer and I had to escalate the call. At any rate, I ended up canceling the service when they renigged on offering a payment plan and then said they did n't and it was just one thing after the next. They threatened to take funds out of my account which I did n't have and said that is what I agreed and then refused to send me the contract. When I mentioned the damage they then sent me on a wild goose chase to file a claim for which the company has no affiliation with them. Some of the interactions were just simply unprofessional and not very helpful. When I finally received a call from a collection company I informed them of the damage and advised that I was disputing the amount which is {$100.00} and asked if I needed to place the information in writing the representative stated no. I did n't receive any additional calls from them. It 's the New Year so I wanted to take a gander at my XXXX and low and behold who has placed a Collections on my file. I am still in dispute with this and feel that they should have investigated this claim that their employee damaged my property. Then they damage my credit this is unfair treatment but this is how they have been treating me since I 've made my claim. Please investigate XXXX and the Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. You attention is greatly appreciated.
|
| 07/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX, I received an alert on my locked XXXX credit file that my credit score had dropped by 100+ points. This was very shocking to me because my credit score had always been over 720. Upon review, I saw that XXXX XXXX XXXX 's collection agency had placed me for collections despite my not having any relationship with XXXX XXXX XXXX. After contacting the collection agency, they informed me that an account had been opened in my name in XX/XX/XXXX with a charge of {$1400.00}. This appears to be that XXXX XXXX XXXX allowed an account to be opened with only basic information ( Name, Address, SSN only ) and no other authentication like driver 's license or credit card, no credit report pulled, and on terms with no upfront payment. In addition, they told me that they sent invoices to XXXX w hich is not my email address.
At this point, I filed a police report with the XXXX XXXX XXXX. police and an identity theft report with FTC. In addition, I filed a dispute with XXXX, XXXX XXXX, and XXXX XXXX XXXX providing XXXX XXXX XXXX with the affidavit, proof of residency during the claim, police report #, and FTC complaint #. Despite their inability to provide any proof of delivery of products or services ( at {$1400.00} I am almost positive that they left someone to purchase a phone on terms with no credit report pulled ), they rejected my claim because I did not submit the police report. Upon contacting the police for the report, they told me that they do not provide full police reports and that XXXX XXXX XXXX needed to request that from the police. I feel like I am going in circles between the credit reporting agency, XXXX XXXX XXXX, and the police.
My next step is to threaten them with a lawsuit and I am contacting my House representative who I know personally.
|
| 04/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
Dear CFPB, There is a Collections account on my three credit reporting agency reports that is either not mine or is reporting seriously incorrect information.
It is XXXX XXXX XXXX with an open date of XX/XX/XXXX.
Last year, I contacted the three Credit Reporting Agencies about this collections but all they did was note that I am disputing them. They have not corrected or deleted them. Also, the collections agency did not respond to my request for validation.
I know for sure that I have not defaulted on any debt for since I went through a divorce in early XX/XX/XXXX. For six years, I have made all my payments on time.
I am worried that this collections is either not my debt or has been re-aged by the collections agencies. This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I do not know what else to do. Can you please assist in me in getting this erroneous collection report removed from my three credit reports?
Sincerely, XXXX XXXX
|
| 09/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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Since approximately XX/XX/2020 I have been receiving harassing telephone calls on a daily basis from an unknown entity. The unknown entity used caller id spoofing in order to deliberately falsify information transmitted to my caller ID to disguise their identity. The unknown entity used Maryland area codes and numbers in order to make it appear the calls were being generated from a local number. After significant research I discovered the calls were being generated from an entity by the name of Enhanced Recovery Company , LLC ( ERC ) in XXXX, Florida. According to their website they are " an international business process XXXX and full service, end-to-end provider for every aspect of the customer lifecycle, including debt collection. '' They further indicate working on behalf of a number of different creditors such as telecommunications, utilities, banks, cable companies, financial service providers, student loans, etc. In addition, they maintain being contracted by creditors and in some instances debt purchasers. Based on the circumstances of the telephone calls and lack of receiving a written validation notice I believe ERC to be a fraudulent debt collector. To date I have kept a log of over 50 spoofed telephone numbers from ERC spanning back to XX/XX/2020. All calls have used the area codes XXXX and XXXX and have come primarily from the following telephone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I have reason to believe they have spoofed other numbers from within the state of Maryland and contact may date back further. I have not received a written validation letter from Enhanced Recovery Company LLC regarding any alleged debt owed.
|
| 05/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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|
Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to XXXX advising of my dispute and requested validation of a closed XXXX/ERC collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). XXXX simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against XXXX for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from ERC, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted ERC on XX/XX/XXXX and verbally verified they had in fact received my dispute. If XXXX is truthful in that they were in fact sending the disputes to ERC since XX/XX/XXXX, ERC is in violation of the FCRA. If ERC ONLY received the request for validation after my CFPB complaint, XXXX has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.
|
| 11/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I found a XXXX XXXX on my mortgage credit report. I moved, had mail forwarding and asked for and paid final bills on all of my accounts at that house including XXXX. My phone number and email address have not changed. I am not hard to find and pay every bill I am aware of. On XX/XX/XXXX I called XXXX XXXX and told them I had no knowledge of this bill but would gladly pay it if it was deleted per FDCPA. I told them I wasn't notified properly. Had I know I owed it I would have paid it long before it became a problem. They said they did not delete accounts. That conversation went in circles and they told me to Call XXXX. I had the same conversation with XXXX and they said I could pay them and they would pull the collection from XXXX XXXX. I said great and paid them. I called the credit bureaus on XX/XX/18 and that account was still on my report. I called both XXXX and XXXX XXXX and they played dumb. When I spoke to XXXX on XX/XX/18 they said they would have their advanced collection team call me in 24 to 48 hours. It has been 9 days and counting. I can not qualify for a USDA Rural Housing Loa because I have a negative account in the last 12 months. This is not funny. I am easy to find and have 2/3rds the same contact info as when I had XXXX. This should never have been an issue and I am being punished because they chose not to make the slightest effort even though I consider my bill paying efforts to be diligent. I really don't see how I owe XXXX {$130.00} in the first place, but that is a different conversation. I want my credit restored by deleting the XXXX XXXX Account from all three credit bureaus. If I didn't turn in my equipment I would have an at least {$800.00} collection so then why would I continue XXXX XXXX after I returned my equipment.
|
| 07/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act.
|
| 10/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I submitted a dispute for an account listed on my credit that is being reported inaccurately. ERC came back reporting that the dispute was closed and the account verified. ERC is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as ERC is a debt collector. I dispute the date the account was sold to ERC. I am requesting proof that ERC purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with ERC. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that ERC is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for each FDCPA violation.
|
| 10/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
Ordered XXXX XXXX on XX/XX/18. Was told for {$19.00} I could get internet. During the installation the installer tried to install the wifi component but could not get an internet signal. He apologized and informed me XXXX did not offer internet in my area. he also informed me that without internet I would not be getting some of the services I was paying for. I didn't realize it at the time but that was about half of the programming and movies the salesman XXXX XXXX had used to get me to order XXXX XXXX. This meant that I now had less programming and inferior service due to Mr. XXXX false information.
After having the system for a month I found the equipment to be inferior as well. I called the XXXX repair dept. and was told that the new XXXX equipment had some bugs and they were working on improving their equipment. Nothing was improved for the next 30 days and I was getting frustrated with the remote not working the inefficient XXXX properly, plus the programming was insufficient for what I had contracted for. After numerous calls to XXXX over the two months service, with no solutions to the problems with XXXX XXXX equipment I decided to cancel my contract on XXXX XXXX, after paying one month of the two. they sent the return packaging and I returned the equipment. In about a week I recieved a bill for {$600.00} for penalties for early disconnect and the second months service. I have tried to explain that the contract with them was contingent on having the internet that I was told I would have and that without it their equipment was inferior and the programming insufficient, they have not responded but in turn have sent a collections agency to try and extort the payment from me. The collection company is Enhanced Recovery Company, XXXX XXXX.
|
| 05/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
|
| 01/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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On XX/XX/XXXX I purchased 5 new XXXX from a XXXX retail store on my personal account. At the time of checkout, they asked me if I owned a business, which I do. They said I could save a decent amount of money on taxes and services if I were to convert my personal account to a business account, so I did. They informed me that I would receive a final bill for my personal account. When I received the bill I paid it on XX/XX/XXXX in full. I no longer had access to my personal account but thought everything was taken care of and complete. About a month later I received a collection letter stating that I owed {$93.00} to XXXX XXXX XXXX ( ERC ) for an unpaid XXXX bill.
Over the next 6 months I have spoken to multiple XXXX reps as well as ERC reps and have gotten nowhere. Finally, on XX/XX/XXXX XXXX informed me that they found my payment made back on XX/XX/XXXX after I sent them very specific documents from my bank with transaction numbers and times. XXXX stated that they applied that lost payment to my personal account and the account was now reflecting a XXXX balance.
I had XXXX send me documents with their letterhead stating this for my records. I sent these records to ERC through email as well as verbally spoke to them asking them to remove this collection from my 3 credit reporting agencies. They informed me that they could not speak to XXXX and have no way of updating their information, that I still needed to pay ERC for the debt that they purchased from XXXX.
This collection account haunts my credit report and has dropped my FICO score tremendously! It is not fair that I did so much leg work and research to prove that I was in the right and this company refuses to accept the fact that it was a mistake by the creditor, not the consumer.
|
| 03/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have found no recourse with ERC and their deceptive collection practices.
I had no idea about this alleged debt, {$930.00}, until I obtained a copy of my credit reports. Which means, I was never given the chance to dispute it within the 30 days of notice.
I have requested validation at least 3 times 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX ... ... ... .and have every request saved. ( see attached supporting XXXX ) They send me copies of an old bill, addressed to a person with a similar name. ( see attached supporting XXXX ) If they continue to ignore my request for validation, I have no choice but to bring about legal action against both this egregious company and the Reporting Agencies -- who fail to provide the method of validation with this ERC 's claim that the debt is, indeed, collectible and reportable.
For one, these ERC agents aren't using my correct name to collect this debt. Second, the packets they keep sending me, for whomever this debt belongs, have a time-barred status.
I've contacted the original creditor as indicated on my credit reports in an attempt to resolve this matter. They have no record. I have not accepted any more mail from ERC because they are not mailing it addressed to the correct person.
Until ERC provides documentation as outlined in the FDCPA that proves this as a valid debt, and belongs to ME, then at that moment, as the alleged owner of this time-barred, alleged debt, I'll execute my duties as a responsible consumer and request that they stop reporting on my credit account. Until then, I will contact every entity that holds records in reference to ERC 's business practices.
*** UNDER ANY CIRCUMSTANCES I REQUEST THE CFPB NOT REMOVE THIS COMPLAINT. REGARDLESS OF ANY OUTCOME***
|
| 07/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Companies involved in filing this fraudulent claim against me twice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount of fraudulent claim : XXXX On XX/XX/XXXX and Individual : XXXX XXXX fraudulent used my SSN to obtain cellular Service from XXXX XXXX in XXXX, AL. Her birthday, address and name did not match mine, which leads me to believe that no one asked to see her identification before granting her this fraudulent account. In XXXX I joined XXXX XXXX and noticed a collection had been filed against me by XXXX XXXX XXXX. I was successful in removing this from my bureau at this time. However, they filed the same claim against me again in XX/XX/XXXX through XXXX XXXX through XXXX XXXX XXXX again i was made aware of this through XXXX XXXX. I am in the process of removing this claim again. So far, I have had to verify where I lived in XXXX, file a police report, and provide them with a copy of my birth certificate and driver 's license. I also had to provide them with my address, an address i have lived at for 34 years. Since providing them with my address they are now sending correspondence to XXXX XXXX, ( the person that used my SSN # to obtain the account placed into collection ) to my address. I did not open the correspondence and placed return to sender no one lives here by this name on the envelope. Surely, there are steps i can take to stop them from continuing to ruin my good name and credit. I am a XXXX XXXX XXXX woman, working as a real estate agent during a pandemic as an essential worker, caring for an XXXX XXXX XXXX mother, while maintaining and running my home. This is beginning to wear on me. I need help. Please advise of my rights and provide me with any information you can to make these people leave me alone.
Thank you,
|
| 02/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I received a written communication about a debt from XXXX from the collector ERC stating that I owed {$360.00}. I explained that this debt was actually my deceased father 's debt, and that when I was acting as POA for him when he could not sign for himself that I was asked to sign in his place and the agent explained it was an account in my father 's name. I then explained how I had spoken to XXXX who said if I could prove my father 's death and when he was transferred from the service address to the XXXX home they would adjust the amount owing to be that date and that the bill would then fall below the threshold for any collection attempts I said I would provide them that information. I did submit via email the XXXX home records and death certificate for my father. Months ago. I hadn't heard anything again from XXXX ( and I have internet through them myself as well as cellular service ) that the debt was taken care of as promised. Then the ERC agent told me they would forward my dispute to their Dispute Team who would investigate the matter. I asked for a contact number for the team who would be handling the investigation and she told me " there is not a contact number they will be reaching out to you '' she repeated this when I explained I wanted to be able to follow up with that department and send them documentation of what was going on. I then asked to speak with a supervisor who then got on the line and told me the whole speal about this being an attempt to collect a debt ... I then asked for the same Dispute Team contact info and was told there is no dispute team and that the dispute goes back to the client. She got VERY upset when I told her they had lied to me and that it was fraud. I am absolutely disgusted by this.
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I went to review my credit report as I periodically do through XXXX and XXXX XXXX. I noticed that I had a new collection account for {$90.00} that I wasn't aware of which had negatively affected my credit. It looked like it was from XXXX, but I have been and am current on all of my XXXX payments. I contacted XXXX, and after doing some research, they discovered that it was a past due payment from XXXX although on my report it stated that it was opened XX/XX/XXXX. I asked XXXX why they had never mentioned a past due amount since I have current accounts with them, but the representative wasn't sure. She was able to tell me that the collection was through a company called Enhanced Recovery Company or Enhanced Resource Centers ( ERC ), and she gave me their number. I contacted them and made the payment through an automated service. Upon further investigation, I realized I had never received any notification of this debt. When I went through the automated service they had the wrong address on file. I never received a phone call or letter regarding this matter or I would have addressed it. In addition, the information on my report was wrong because it stated that it had been opened on XX/XX/XXXX, and listed it as one month old instead of 12 years. I called ERC back to explain this, and they disputed what I was trying to explain to them. I filed a dispute with XXXX and XXXX ( it didn't appear on XXXX ), and the dispute has been granted and the collection item has been removed.
My complaint is the unfair and inaccurate tactics used by ERC, and I am hoping that they do not continue this practice of reporting old debts as new debts on credit reports, especially without any notification to the alleged person that owes the debt.
|
| 03/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ERC has reported information to my consumer report. ERC did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging ERC to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Any referral that subjects me, the consumer to any prohibited under the FDCPA is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand ERC to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to ERC stating all facts which includes each violation and the damages that you have caused me.
|
| 06/15/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recently requested validation of a debt collection listed on my credit report under the company XXXX XXXX XXXX XXXX XXXX. The company sent corresponds as to what they believe is proper validation of the account, however by doing this it was found that XXXX XXXX XXXX XXXX XXXX failed to include their NC license permit number ( XXXX ) on the stationery/correspondent form ( copy attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence.
All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency.
The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) XXXX XXXX XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance State Laws & failing to abide by the Fair Credit Reporting Act.
Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.
The account in debt collection assigned to this company must be deleted as the company collecting on the debt ( XXXX XXXX XXXX, XXXX ) violated not only federal laws, but also state laws mandated by the North Carolina Department of Insurance.
|
| 11/29/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear.
COMPANY NAME : ENHANCED RECOVERY COMPANY ENHANCED RECOVERY CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.
|
| 06/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX I terminated my phone contract with XXXX XXXX because I was being stationed in an area where they do not cover. I provided them with my military orders and paid them what they said I owed. I left the store with no bill or anything due to them. In XXXX XXXX I received a letter in the mail saying a debt collector was attempting to collect a debt I owed. Enhanced Resource Center ( ERC ) is the company I was dealing with, I called them to find out what exactly was going on. After being transferred to multiple people I was told my " case '' was being placed in a dispute status and I would find out the outcome in 30 days. After approximately 35 days I called them to find out what was going on, this is when I started getting the feelings of being scammed. The company had no information about my " case '' nor did they know the " collector '' that was assigned my case. I was transferred to multiple people once again and was finally told they have over 1500 employees so each time I call it would be a different person. There were strange background noises during the phone calls and each person I was transferred to was more lost then the first one. I was refereed to the " managers '' number and called that and went to a very non business like voicemail. I left 2 messages and non were returned. I looked up ERC online and see they have numerous bad reviews about being a scam and worse. I contacted the FTC and explained to them my situation and they said my complaint was noted and I should contact my home attorney generals office. I called them and left a message to return my call, still waiting. Today, XXXX XXXX XXXX I received a phone call from ERC and told them not to contact me until I am informed that this is a real dispute.
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| 05/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Well over 2 yrs. ago a suspicious account appeared on my credit report from a collection agency, known as Enhanced Recovery. In the space listed as original creditor, it specified that it was a XXXX account. Well aware that I have never had an account through them because I have always had XXXX XXXX and before them was XXXX XXXX, I disputed this information and it was determined that it was not mine and was erased from my credit report back in XXXX. Also, I had never received any calls, mail, or notifications from neither XXXX or this agency regarding this supposed debt, which I found to be extremely unusual. Now, as of about 5 months ago I received my monthly credit updates from my XXXX & had noticed my score had decreased & there was a new account placed on my credit file. When I logged into my account, to my surprise, I saw that it was this same collection agency referred to as Enhanced Recovery, however I noticed something was different this time. This agency had decided to fraudulently violate the Fair Credit Reporting Act by illegally re-aging this supposed account, thus stating that it was opened in XXXX, so it could place this debt back on my credit report to lengthen it's collection efforts & intentionally hurt my credit, along with my score. Also, still to this very day, I have yet to receive any communication about this debt from anyone!!!! I find it extremely unnerving that this agency has been allowed to get away with commiting so many frivolous acts. We as individuals have rights, & if the necessary steps are not taken by this company to correct their unfair practices & start obeying the law, then maybe major lawsuit against them is the next best thing to make sure that they are held liable for their actions.
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| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Last 4 of XXXX RE : XXXX Dear ENHANCED RECOVERY CO L : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOD OF CHARGE OFF XXXX : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
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| 07/14/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The debt I owed was to the original creditor XXXX. In XXXX, I received collection contact call from XXXX, XXXX XXXX XXXX collections agency regarding the debt with XXXX in the amount of {$1900.00}. XXXX offered me a settlement offer in the amount of {$580.00} to be paid in a multiple-part payment arrangement. I agreed to the settlement offer and paid in full all XXXX payments dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first payment was {$100.00} and the other 4 were in the amount of {$120.00}. Also, XXXX agreed in writing not pursue further collection action for this debt. I received documentation on XX/XX/XXXX from XXXX collection agency confirming that my account with creditor XXXX was satisfied in full by my payment of {$580.00}. And also, that XXXX, the original creditor was notified of this by XXXX.
On XX/XX/XXXX, I received a different collection letter in the mail from a different collection agency ERC, Enhanced Recovery for the same debt with the same original creditor XXXX.
On XX/XX/XXXX, I mailed a detailed letter to ERC explaining the above, along with copies of the documentation I received from XXXX collection agency validating that this debt had been satisfied as of XX/XX/XXXX, with the above mentioned settlement offer. The documentation I presented to ERC supports and clearly validates that this is the exact same account ( verified by the original creditors XXXX account number ) that they are trying to collect for. And furthermore, that I settled on XX/XX/XXXX, with XXXX XXXX XXXX XXXX.
I have exhausted my options in getting this issue resolved on my own with ERC collections agency. Therefore, I ask for assistance from CFB for a fair resolution of the above matter.
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| 08/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I finally looked into my credit and saw a collections from Enhanced recovery co L Which is fraudulent and erroneous because I've never contracted with that company ever.
Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, 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 ( 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.
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
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| 05/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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COLLECTION COMPANY 'S ERC XXXX XXXX XXXX, FLORIDA XXXX XXXX.
ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX {$810.00} DATE ACCT OPENED XX/XX/XXXX REPORTED AS OPENED XX/XX/XXXX ON CREDIT REPORT.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ORIGINAL CREDITORS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} REPORTED AS OPENED XX/XX/XXXX AND XX/XX/XXXX ON XXXX, XXXX XXXX.
I have filed dispute on this accounts for a couple of years but because the collection agencies keep passing to other collection agencies I have to start the whole process over and never seem to get it resolved. I have contacted both of this and explained how I have been disputing the collections they have with previous collection companies but they pass it to other collection agencies so I have to start the process over and want answers as to why they are reporting to credit agencies with wrong date of collection when the original date is showing as the date they received account not when account was opened, I also asked if they had a surety bond with the state of Texa as third party collection agency must have a XXXX surety bond in Texas, ERC collector nor supervisor didn t know what I was talking about. I then went onto explain that I have been trying to resolve this collections due to having my purse stolen in XX/XX/XXXX and have been having issues but because they are illegally reporting with incorrect dates causing me to get this off my credit report for the past 6yrs. Due to this collection companies reporting incorrect dates I have not been able to proceed in purchasing a home because of there incorrect reporting is affecting my credit score.
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| 07/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Older American |
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Upon receipt of the enclosed notice, I am sending this letter to regarding my response to ( See Enclosed file Attached ) notice I received from Enhanced Recovery Company , LLC on XX/XX/XXXX. First and far most, this appears to be a fraudulent statement. Any one or any agency can submit an invoice of this nature to a consumer demanding a payment from a company. For example, according to this questionable billing statement, implies this service could have possible been provided to a XXXX - Here is my advice, Please provide consumers with specific details for the address as to where this service was provide. Next, I never received any Billing Statement from XXXX saying that I still owe this amount after closing the account XX/XX/XXXX. XXXX XXXX years ago ) Furthermore, I am in dispute of any XXXX XXXX provide during this time, since there have been reports released alleging " A class action lawsuit filed in Superior Court accuses XXXX of unfair and deceptive business practices, claiming the company charges customers for services they did not receive during time periods in which their XXXX services were suspended and/or disconnected. '' XXXX of consumers have been harmed financially and emotionally by their illegal and unethical practices. What many consumers may not realize is that they have legal rights.
Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair CREDIT BILLING ACT, and validation is requested. Also, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
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| 06/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I had an account with XXXX activated om XXXX/XXXX/XXXX and discontinued my service on XXXX/XXXX/XXXX due to bad coverage while driving over the road as a delivery driver.
I received a final bill from them on XXXX/XXXX/XXXX for the amount of {$550.00} owed. My spouse made 12 payments toward this amount, XXXX checks and XXXX XXXX 's from our joint account totaling {$590.00} directly to XXXX. However, XXXX had sent account to a collection agency after 1st two payments had been received from us bringing our total to {$400.00} ERC then tacked on a collection fee of {$100.00} bringing total to {$500.00}, XXXX received another payment from us and forwarded it to ERC and ERC shows that {$50.00} payment deducted from the account bringing ending balance to {$450.00}. XX/XX/XXXX we made a payment of {$220.00} to ERC in order to get a VA loan for a home and needed to do this to get loan approved. ERC has failed to credit this account for the payment received and new balance should now be {$220.00} ( Please refer to Case Number XXXX response dated XXXX/XXXX/XXXX ). If XXXX reimburses me the amount of $ XXXXoverpaid to them and not credited to payment of this debt. I am willing to make this final payment of {$220.00} to ERC to finalize this account and stop collection on a debt that clearly has been paid to XXXX in full plus another {$48.00} extra.
I would like to know why XXXX has taken the payments from us and not credited our account like a decent company should be doing? I also would like to know why ERC is also taking money received towards payment of a debt and not crediting that towards a persons account? This makes both companies look bad and may reflect a bad influence towards present and/or future clients.
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| 05/26/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Filed previous dispute regarding unfair and unlawful business practices that violated my rights as a consumer. Conclusion of the collection agency per resolution letter on XXXX XXXX stated that file had been closed and collection actions were terminated and client being XXXX was aware I contacted XXXX as well and verified this to be true on Monday XXXX XXXX. I have been contacted in the past and present month by 2 collection agencies collecting the same debt with 2 different accounts numbers! I spoke to " ERC '' Enhanced Resource Center and spoke to XXXX XXXX in which I provided a copy of the letter. I spoke to them today in which they advised that this file would be sent to there office of the president. I also received a notification in writing from XXXX XXXX in which are using a different account number and I also have sent them a copy of the attached letter sent to me back in XXXX. I contacted XXXX XXXX XXXX today and spoke to XXXX XXXX at XXXX who seem to not acknowledge the letter that was sent to me informing that the file is closed and collection actions terminated. I have informed XXXX and advised legal matters will follow if this matter is not resolved!
The Company that they hired previous XXXX XXXX violated my rights as a consumer, in which the file gets closed, collection action are terminated. Gets closed as a result of that and XXXX acknowledges and now they come back almost a year later and dismiss the agreement made. XXXX Recovery Supervisor has informed me as of today that they have sent the XXXX file that was closed on XX/XX/21 to 2 active collection agencies ERC and XXXX XXXX same amount different account numbers. Both agencies have been sent a copy of the letter dated XX/XX/21.
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| 10/30/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I contacted by phone, XXXX XXXX XXXX # XXXX out of XXXX, NC on XX/XX/2018 Talked to XXXX ( recorded ) after I found out that Company placed a collections for {$1100.00} for a XXXX Bill on my credit reports. I let her know that this was not my debt/account. I have no contract with XXXX. Please send me written proof ( copy of contract ) also to remove it from my credit report. I was told she would contact me later after letting her supervisor know what was going on. I heard nothing else from them. Today ( XXXX XX/XX/2018 ) I received from a new collections group, XXXX XXXX XXXX ( ERC ) out of XXXX, FL. I called and talked to XXXX ( again Recorded ) I explained again that this was not my account, but she didn't want to hear that, she told me they collect the money. The amount was for {$1100.00} for the XXXX account. I again asked this company to show proof. Its not in her wheelhouse they just collect. She wasn't going to argue basically its my problem. Me asking how you think I should give you money I don't owe is arguing I guess, instead of trying to help me. She said " we will report it to the Credit Bureau 's in XX/XX/XXXX '' I think she said on the XXXX. I said its already on my report and she said " Not by us! '' She did tell me how she would send me a fraud paperwork packet and I would need to call the police and get a report and all kinds of things for me to do. How about you showing me proof FIRST. This is not fair to demand my money without proof its owed.
I know that collection Agencies purchase debt to collect from others. They are not verified!!! That is now two different collection companies that have and is now, not verifying the owed debt of of person before destroying their credit.
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| 12/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I contacted XXXX T by email on XX/XX/XXXX, regarding a {$61.00} debt a company called ERC stated was assigned to them from XXXX XXXX XXXX. I received a response on the same day from a representative stating she would reach out to me. I went back and forth on email with this representative for a week and was transferred via email to a different representative who stated the account was located on XX/XX/XXXX. I was not familiar with the account number the second representative provided and it did not match the account number ERC was reporting to XXXX. I was told it could take up to four weeks before I receive the bills since they were in the archived system. On XX/XX/2016, I contacted the XXXX XXXX XXXX representative by email stating I had not received anything about this {$61.00} collection. On XX/XX/XXXX, I was told that the archived image would be online in their billing system in the next three days and I would be sent XXXX invoices, which I can only assume totals {$61.00}, the following week. It is now the evening of XX/XX/2016, and I have not received anything from a national company that is willing to put a collection for {$61.00} on my XXXX report. If they were able to see there was a bill or bills on XX/XX/XXXX, then it makes no sense it 's at a month and a half later and I have n't received any verification of this debt. I could n't know if this is my debt or not while it is continued to be reported on my credit report and there is not any notation from the collection company on my credit report stating that this account is disputed. I completely do n't feel like I 'm dealing with a large company, because their response seems to constantly be to delay me having any type of verification.
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| 09/01/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently pulled my Credit Report from all three of the credit reporting agencies ( XXXX XXXX XXXX XXXX ) a have noticed a collection from ERC that was placed on my report on X/XX/2017. It states that they are collecting for a XXXX account in the amount of {$1200.00}. I have never had an account with XXXX and I also have never had anything with ERC either. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt and false debt that ERC placed on my report. I filed a compliant with the Better Business Bureau and ERC sent an email to email address that was on the compliant asking me to enter personal information to see the message. I did not. They also sent in the mail what looks to be an old phone bill with my personal information on it. They have yet to provide me with a signed contract with my signature. They are asking me to fill out a fraud form with XXXX. I will not do anything with this company because they have yet to provide me the documents that say i owe this debt. This account has been disputed and ERC refuses to remove from my credit reports. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must delete.
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| 07/05/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX, I was contacted by phone by Enhanced Recovery Company ( ERC ), stating that they were attempting to collect a debt of {$2100.00} on behalf of XXXX XXXX XXXX and asked me what card I would like to use to pay the amount. I thought it was a scam and told them that I didn't owe anyone that money. The agent the asked if the last four of my SSN was XXXX. The number she said was correct which was shocking to me! I told her that it was NOT correct and she said we must have the wrong XXXX XXXX and that they would remove my number from their information. I immediately called XXXX XXXX XXXX, because I do have an account with them, and they confirmed my account was current. On XX/XX/XXXX, I received a letter in the mail from ERC that stated exactly what she said over the phone, accept there was an account number on the letter. I called XXXX XXXX XXXX and gave them that number. They advised that someone had used my SSN to purchase a phone that was assigned a number in XXXX XXXX on XX/XX/XXXX. They also advised that the account was closed on XX/XX/XXXX for nonpayment. I contacted XXXX XXXX XXXX, as well as XXXX Theft of Identity on XX/XX/XXXX. They advised that it was fraud, but I needed to fill out a report/complaint online, which I have done, in order for it to be officially resolved. They also advised that I should contact ERC and let them know it was fraudulent. I called ERC on XX/XX/XXXX and explained that someone had stolen and used my SSN for the purchase. There response was that they could offer me a settlement amount to pay of {$1600.00}. I advised that I would be paying nothing, because it was not my debt. They repeated the settlement offer. I said I'm paying nothing and hung up.
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| 02/13/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX. I received an alert from XXXX Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, XXXX, and XXXX and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to XXXX XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item.
My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
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| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY!
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
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| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Enhanced Recovery Company , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
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| 11/09/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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I had purchased something through XXXX. About 2 months later i received an invoice from XXXX XXXX. I had no idea whoa they were. On the invoice it showed XXXX purchases and late fees of almost {$100.00}. I contacted the company and spoke to rep. It took almost an hour for him to finally tell me that XXXX was formerly XXXX I had used them about a year earlier and had paid the statement. I was told that although I had thought that I was currently using XXXX, somehow my charges were transferred XXXX. I asked the rep if that were true, why had I not ever received an invoice. I told him if I check and I do owe the charges, I would pay them. However, we disputed the late fees. I told him I was not going to pay late fees since I had no responsiblity. We had a heated discussion and he said he would file a dispute.
After that I started getting collection calls XXXX or XXXX a day, sometimes XXXX. I contacted XXXX XXXX by email telling about the situation. Shortly after, I received an email back from the Attorney for XXXX XXXX saying the calls would stop. The calls continue to this date. I have my phone log since these calls started. I swear to you and I will show you each call, that there are at least a XXXX calls, probably more.
You know, I was in the service during XXXX XXXX when I had been XXXX by people just for wearing my uniform. As a result of my term of duty I was awarded XXXX Part of that includes XXXX.
I really do n't know how more of this I can take. PLEASE HELP ME. I have everything I have stated that I have and, you or any representative you may want to review any of this at any time to verify all this.
Thank you so very much for any help you can provide.
XXXX XXXX XXXX
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| 11/05/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Enhanced Recovery Co ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use 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 ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 03/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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1. XXXX said they sold the debt, making ERC a debt purchaser. 2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not XXXX. 3. XXXX didnt sent billing statements to me because they entered or misspelled my home address. 4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 5. On XX/XX/XXXX I sent a debt validation letter after no ever receiving a correspondent from ERC or XXXX. 6. ERC partially responded to my debt collection letter. 7. ERC provided me billing statements that only listed a amount owed without a break down of chargers. It went from {$350.00} to {$700.00} without any billing marks or notations. 8. ERC did not explain and show me how you have computed the amount as requested on my debt validation letter on XX/XX/XXXX9. ERC did not Send me the copies of any documents that prove I agreed to pay the alleged amount or contracts as requested on XX/XX/XXXX 10. ERC did not Confirm that the account has not crossed the SOL period as requested in my debt validation letter 11. ERC did not Prove/show that they are a licensed debt collector as requested in my debt validation letter 12. ERC did not prove/show me their license numbers and registered agent as requested in my debt validation letter 13. ERC still reported on my credit report with out following all the legal steps and violated my rights as a private citizen. 14. Lastly the debt validation response they sent me only contained blank billing statements without any information on any of the amount they spoke of 15. ERC needs to removed this debt from my credit report until Im able to verify this debt
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| 01/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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When I found about this account on my credit report, I contacted the company immediately to find out for what the account was. They told me it was for a remaining balance with XXXX XXXX. I never received any notification about any outstanding balance with that company. When I asked if they sent any letter to informed me about this pending balance, they said they sent a letter to a address that I didn't lived there for more than 3 yrs. I agreed to settled this account even if I wasn't sure that I actually owned that balance because was affecting in my credit report and I was told that if I take care of the account they will removed this collection account from my credit report. I paid immediately the amount that they requested me to settled this account because they guaranteed me that the account will be remove it immediately from my credit report. This was stated on a recorded line. I feel this is an unfair for me because it is causing me a financial hardship because I'm having a lot of issues trying g to qualify to buy a home and if I were able to qualify I'm going to end up having to pay a higher interest rate on a mortgage, also I feel like it is a UDAPP violation because I feel fooled by this company because it look that they just lied me on that time offered me false promises to remove the account just to collect the money for that debt. I've contacting the collection agency and XXXX to dispute this account on the credit report but I haven't been received any response or been successful in resolve this matter. This account needs to be removed ASAP from my credit report since I was told that will be removed from my credit report making the payment that I made on that time.
|
| 11/07/2015 |
Yes |
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- Incorrect information on credit report
- Account status
|
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Web |
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I closed an XXXX account in 2012 due to I have no signal in my house. I returned the cellphones and was charged a re-stocking fees, XXXX credited my account for the amount due to me, later a received an statement reflecting a debt. I returned to the XXXX store and the manager understood the matter and gave me adjustment form and noted the charges did not apply. Some time later I received another statement and returned to XXXX and explained this all over, I got another adjustment form noting I was penalized incorrectly and told me this was resolved.
Then, At the beginning of this year I received a letter from Enhanced Recovery Company ( ERC ) LLC collecting an amount for ATT, I responded with a package of all documentation exonerating me from the debt. I never received a clearing letter from the collection company XXXX.
On Thursday I checked my credit score and realized this account is still reported as on collection on the credit agencies. I contacted the collection company ERC and resend all information, today I received an email were ERC says they returned the case XXXX. I call XXXX customer service and financial office and no one help me. I ca n't get to the right office XXXX to clear my name, in the mean time my credit is affected and I ca n't get XXXX to engage in a conversation to clarify this since XXXX representatives told me that they can not help me since the account is close and there is zero balance.
I need help in having XXXX clearing their mistake and clear my record, since XXXX in 2012 I have tried to correct it and provided XXXX all the information about this matter, no one has even look at it nor responded to me.
See attachments.
Thanks, XXXX XXXX XXXX
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| 07/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XXXX XXXX client XXXX XXXX is an identity theft victim. Someone used his information to establish a fraudulent phone account with XXXX XXXX XXXX without his consent. A dispute of identity theft was sent to XXXX XXXX XXXX however they have refused to release XXXX XXXX of this debt ; their stance is a FL state drivers license was used to establish the account and that license information was XXXX XXXX XXXX. This account inquiry and the associated collection account activity has been and is still, being reported to XXXX XXXX credit reports. During the previous attempts to dispute this account XXXX XXXX XXXX has requested XXXX XXXX to provide various documents to verify his address during the stated time the account was opened, to which he complied and provided. This issue has also be escalated to the State Attorney General of Florida because of XXXX XXXX XXXX continued violations of federal consumer rights of my client. As of XXXX/2017 an official account disclosure request was mailed to XXXX XXXX XXXX Office of the President in order to get ALL the information associated with this account. XXXX XXXX XXXX has maintained they have a right to continue to harass XXXX XXXX concerning this account based solely on a divers licenses being presented at the time of the activation however when asked to provide that information ; as is their obligation under both federal laws of the FDCPA and the FCRA ( since these items are reporting to the credit reports of my client ; XXXX XXXX XXXX failed to provide any of that data. In addition my client has received another collection notice concerning this account ; an account that XXXX XXXX XXXX has not yet provided ANY ACCOUNT DISCLOSURE for.
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| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
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I have a debt from XXXX XXXX XXXX showing as collections for {$1200.00}. It shows this account was opened in XX/XX/XXXX. This is for a cable provider. I have not had cable since XXXX and this has been on my report as collections since XXXX. I had XXXX XXXX in XXXX and things feel behind soon thereafter. This was one of those bills. My marriage ended in XXXX and this is one of those bills I could not pay because I had to keep my XXXX son in his special school. I understood that the cost would be this stayed on my credit report until the end of XXXX. But they reported it as new again. I disputed it and they claimed it is a new account. The service address was XXXX XXXX XXXX. I have had 2 addresses since them. The amount is also not correct because I eventually turned in the cable boxes and remote controls that they charged me for but they never took it off my balance since it was gone to collections by then.
I understand it was my bill. I also have been denied credit and paid higher interests rates on the credit I have been able to secure as I try to rebuild my credit because of this collection that has been on my credit for more than 8 years now. For many years I couldn't event get internet because XXXX XXXX was the provider. I did limited internet on my cellphone because that was all I could afford. But obviously that was a problem I caused for myself because of this problem.
Please confirm that this is NOT a new account and that this has been reflected as a collections account since XXXX. I have old versions of my credit reports if you need them. Thank you for helping me move on from this very dark chapter in my life and start building a responsible credit profile.
|
| 09/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I had XXXX, then saw ad from XXXX about paying-off contract from XXXX XXXX XXXX. Went to XXXX but had to submit my new cell phone. I paid XXXX amounts of {$96.00} that SAME day before handed the " new '' cellphone. The " new '' cellphone happened to be a refurbished one and to my surprise it never worked. A few days later I called XXXX and explained situation. The representative answer was " My hands are tied, ca n't do anything about that ''. The next step I took was to cancel the account. A month later I received a bill for the month of " service '' that was supposedly used. Again, call XXXX to inquire about the charge and explained about the cancellation ( I had previously ask for a cancellation reference number and was told that they did n't do that ) and that they knew the account was cancelled. Next month ( two months later ) I received another bill for the " service '' they had " provided '' .I did AGAIN the same thing : called XXXX, explain, was given the same " run-around '' excuses and the SAME explanation, " My hands are tied '' ( I 'm sure they have the conversations recorded ). At this point I was ( am ) still extremely XXXX insulted by the business practices of this IMMORAL corporation. I strongly invite you to see my credit scores and history and SEE for yourselves what kind of client I am and most of all, my moral character when it comes business practices and how I deal with my financial responsibilities. At this point I still feel I owe nothing to the immorals at XXXX and actually I'AM the one something is owed to. At this time I want to offer my gratitude for your time in helping unravel this situation. Thanks and feel free to contact me at my e-mail.
|
| 02/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am not an attorney. This description is in reference to my own personal experience that I've had with ERC and how they have failed to uphold the FDCPA. ERC attained my location information without my permission and contacted me at a time that was inconvenient to me to threaten to take action against me that would be a detriment to my reputation and livelihood by furnishing false and negative information on my consumer report. I assumed the vital role of my life and requested a Debt Validation from ERC sent on XX/XX/2021. It was received by them on XX/XX/2021. After 160 days, I still have not received any of the documentation I requested to have the alleged debt validated. They were supposed to respond within 30 days of receipt. They, instead, called me and used obscene language to attempt to get me to pay an alleged debt they say I owe, but refuse to validate, and claimed that the FDCPA did not apply to their company making statements like " we don't need your information to furnish items on your report and never get permission before we do ''. They continued to harass me by sending me mail to my address without my permission. In this mail, is the logo of the debt collection company, mischaracterized balances meant to mislead me, several instances of threats, and several instances of obscene language. I've had an official Affidavit of Truth notarized and sent to ERC outlining the ways they've violated me that they have also failed to acknowledge. This leads me to believe that they are well aware of the ways they have violated me and agree that what I have just described is entirely true as they continue to willfully violate my rights by avoiding my specified remedy.
|
| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
1 ) These accounts, opened in XXXX and XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XXXX thru XXXX timeframe.
2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX and XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.
It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line
|
| 07/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
The correspondence began on Thursday, XX/XX/2020 when a relative contacted me stating that a XXXX XXXX from " ERC '' called them on their personal number about a " personal matter '' for me. The relative disclosed that they were not me and that, that was the incorrect contact for me. XXXX XXXX left a call back number.
When I received this phone call from my relative I was puzzled as to what " ERC '' even was. Upon a XXXX investigation I discovered that " ERC '' was a debt collection agency. The relative has received more calls since then.
This contact information was never used in the past or currently for me.
On this morning, Thursday, XX/XX/2020, I received notification from XXXX that a {$300.00} collection from " Enhanced Recovery CO L '' was added to my file. I'm assuming this is the same " ERC '' that contacted my relative on their personal number.
I've done further investigation and concluded that this debt was from an old collection with XXXX that was removed from all 3 bureaus in XXXX of XX/XX/XXXX. It has now returned, but under a different agency.
I've attached the screenshot of how it appears on my report. On my report, there is a contact number listed, but upon calling the number it is disconnected. Another inaccuracy. I finally found a working contact number, called the company to try to gain insight on why they are now reporting this on my file and the representative was highly unprofessional and constantly asked for my Social Security Number, which I did not feel comfortable providing.
I am asking that this information be disputed and removed as I am in the process of buying a home and it is hindering my progress and credit worthiness.
|
| 06/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XX/XX/XXXX, I received a notification from my credit monitoring service that a new collection account had been placed on my credit file. Upon investigation, I was able to determine that Enhanced Recovery was attempting to collect a debt from XXXX XXXX XXXX. I never received notice of this account in the mail to provide me with an opportunity to dispute it prior to it appearing on my credit report ( s ) as per FCRA guidelines. I explained to the representative, XXXX, via telephone on XX/XX/XXXX that this same account had been disputed as fraud with XXXX XXXX XXXX last year, and I had no idea why they would now attempt to send it on to a different collection agency for collection. XXXX stated that she would mark the account as fraud and collection efforts would cease by their company pending an investigation into the matter. However, she was unable to provide me with a date for when the information would be removed from my credit. I explained to her that I was in the process of seeking financing which was why I am watching my credit so closely. It is important to note that this is the only negative account on any of my three ( 3 ) credit files at this time. As such, this account is having a severe impact on my credit score. This account remaining on my credit file for any length of time will cause my family a severe undue hardship. As I never received notice of this account prior to its being placed on my credit file ( s ), along with the fact that it was previously reported to XXXX XXXX XXXX as fraud, I need this account removed from my credit file ( s ) immediately. I can not wait 30-45 days for their investigation to conclude ; the update needs to happen now.
|
| 08/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently reviewed my Credit Report and observed a collection account was documented on my credit report by Enhanced Recovery Company. I sent Enhanced Recovery Company ( ERC ) a letter requesting a Validation of Debt. They never responded. I called ERC on or about XXXX/XXXX/2016. I spoke to a female representative which was very rude and unprofessional. She did not want to help me and I told her I never want ERC to contact me via by phone or by any other means. Yesterday I received a call from a female Representative from ERC which was also rude and unprofessional. Like the previous Representative she did not want to help to resolve the matter. I have PREVIOUSLY Filed XXXX complaints with CFPB regarding XXXX other Debt Collection Agencies trying to collect the same alleged debt that is not mine ( XXXX ). Each collection Agency claimed that I had an outstanding balance to XXXX and each Agency had a different amount owed. I do n't have XXXX I have a different provider for my cell phone service. The Fair Credit Reporting Act requires ERC to notify me regarding this alleged Debt and they never did. Any claim by ERC that they did previously notify me is without merit. My previous 3 complaints with CFPB case # ( XXXX ) XXXX and # ( XXXX ) XXXX and # ( XXXX ) & XXXX confirmed that this debt is not mine in their response to CFPB. This arbitrary action by ERC is unlawful & unethical causing a defamation of my character and damaging my credit worthiness and credit score. It is obvious that these XXXX Debt Collection Agencies mentioned in this complaint play games and pass the alleged debts to one another in attempt to collect money that is not owed by using scare tactics.
|
| 04/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
An agent of XXXX XXXX XXXX ( Enhanced Recovery Company , LLC ) place place a negative claim in my credit bureau record for an amount of {$300.00}. The negative claim resulted from the following. In XXXX 2013, I changed my XXXX XXXX XXXX home-phone service from analogue to digital and separated the billing for my wireless phone service from the billing for home phone. The combined billing account was closed as XXXX XXXX XXXX now bills me separately for UVERSE ( TV, home phone, and internet ) and wireless phone/data. Apparently, this change caused some confusion at XXXX XXXX XXXX and resulted in the XXXX XXXX XXXX claim that I still owe money under the combined billing account. I emailed the XXXX XXXX XXXX customer service to get the account straightened out, but they passed me from XXXX department to another but none of the departments has all the information needed to resolve the problem. I wrote a letter to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2013 requesting that they assign the case to someone that can have access to all the information needed to resolve the matter. A copy of the letter and the response from XXXX XXXX XXXX dated XXXX/XXXX/2013 are attached. As you can see from the attachment, all that XXXX XXXX XXXX did was provide me a meaningless standard response. XXXX XXXX XXXX has tried several times previously to use the collections system to bully me into paying them an amount of {$300.00} that I do not owe to XXXX XXXX XXXX. I requested XXXX and each of the several collection agencies that XXXX XXXX XXXX used at different times to provide me an itemized list of what led to the debt that XXXX XXXX XXXX claims against me, but nothing was provided to me.
|
| 09/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Thiscomplaintsubmission is in regards to a false credit report by ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives who were extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me their company email number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through a response by an ERC representative that they had received the files ; however, after 30 days of notifying them, still no response. ENHANCED RECOVERY COMPANY ( ERC ) then removed themselves from my credit report. After a month went by, ERC then reported again to the 3 Credit Bureaus and also violated our CEASE & DECIST agreement. At this point in time ENHANCED RECOVERY COMPANY ( ERC ) has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$390.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting ENHANCED RECOVERY COMPANY ( ERC ) immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. ENHANCED RECOVERY COMPANY ( ERC ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
|
| 05/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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On XXXX XXXX, XX/XX/2015 I filed a complaint with CFBP ( Claim No. XXXX ) against Enhanced Recovery XXXX and another XXXX on XXXX XXXX, XX/XX/2015 ( Claim No. XXXX ) Which claim to collect a debt for XXXX XXXX CompanyAfter contacting XXXX parties and requesting for additional related documentation materials associated with this account from XXXX XXXX that would help to substantiate such claim XXXX parties have failed to provide me with the documentation til this date. I have request the following Documents such as ; Billing Statements, Payment History, Contract agreements and have never received them. In order to resolve this issue Enhanced Recovery XXXX made the following statement in their last response to CFPB : In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015. Please allow up to 30 days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX.
Since that time Enhanced Recovery XXXX have Submitted the deletion request to the following Credit Bureau 's ; XXXX and XXXX but have failed to submit the request to XXXX and the negative Collection account still remains on my credit file with this Bureau.
Enhanced Recovery XXXX needs to follow through with their promises and also request the deletion with Experain as well.This account does not belongs to me. I have not, and never have had an account with XXXX XXXX Company
|
| 07/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
For a few years I have been disputing the same collections account from several different collection agencies for debt XXXX says that I owe, but is not accurate. I won the dispute the first few times from all three credit bureaus, but the debt keeps getting updated by different collection agencies, now, two different collection agencies appear on my credit report. The collection agency on XXXX is Enhanced Recovery Company and says the account was opened on XXXX, but I didn't receive any notice until XX/XX/2023 when my credit scores changed, before this account updated the collection agency was XXXX XXXX and I disputed it last year, finally in XX/XX/2023 it was taken off only to be replaced by Enhanced Recovery Company in XX/XX/2023. XXXX XXXX is reported on XXXX, so I have two different collection agencies reporting the same debt that has been disputed several times, but still keeps on coming back and shouldn't. XXXX so far has not reported this debt since the last time I won the dispute. This account from XXXX was closed almost 4 years ago and because of how my account was treated the customer service rep at the time said I do not owe a balance, I had spoken with other reps that said otherwise, but this company is only going to share favorable info, but they do have a recorded conversation between me and the customer service rep that closed the account at the time. I have good credit and pay my bills, if I owed this debt and the XXXX was fair in their judgement I would've paid this debt back then, at this point it is just wasting time. How can I resolve this so the debt does not keep on coming back on my credit report? I need your help to the resolve this.
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Enhanced Recovery Corporation is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt was reporting on my credit file. I have never received any any phone calls or any collection letters or notices about this debt and this violates my 30 day right to dispute. SInce I was not granted that right and it is now reporting on my credit I ask that they remove this collection from my credit report. Under the FDCPA I have to right to request validation of this debt. I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address but a request for validation. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform your offices that if you continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company I will not hesitate to bring legal action against you for Violation of the Fair Debt Collection Practices act and Defamation of character. I am also aware that while this account is under investigation you must cease all collection activity. IF you fail to respond to this validation request within 30 days from the day received all references to this account must be deleted and removed from my credit file and a copy of such deletion request shall be sent to me immediately.
|
| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
During a routine examination of my Consumer Credit report with TransUnion, I found a new collection account listed as Enhanced Recovery Compan for an alleged XXXX XXXX XXXX debt. On XX/XX/XXXX, I opened a dispute via XXXX online account page.
Upon contacting Enhanced Recovery service personally they could not provide me with any information as to the ownership of this account or documentation that it was my debt. They only offered high-pressure tactics to collect the alleged debt. They offered a partial settlement but no proof of ownership. Therefore, I disputed with the three major credit reporting agencies.
The account was not verified with XXXX and the collection was removed from my consumer report. However, on XX/XX/XXXX I received an email stating that the collection account listed on my report with Transunion has been " verified ''.
I have been a customer of XXXX XXXX XXXX since XXXX and still maintain an active, current account with active wireless service. XXXX XXXX XXXX shows no bad debt on my account. XXXX XXXX XXXX has drafted my checking account monthly for my monthly invoices and continues to do so.
I feel like this is extortion. I have never received any notice of collection, any Dunning letter, I am unable to be provided with any proof of this debt being mine. However, without evidence, this bogus account continues to remain on my consumer credit report as if it is factual in turn costing me money in increased interest rates and denial of credit extension. This practice violates the law. Transunion states this debt is verified but can not provide me with any means of verification. I suspect no verification process was completed.
|
| 07/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I notified XXXX in XX/XX/2019 I had received mail regarding an account opened in my name that I had not signed up for. In XX/XX/2019 I had experienced fraud issues with several other creditors who actually attempted to verify my identity before allowing accounts to be opened in my name in XXXX of XXXX and reported to XXXX and they put a fraud alert to creditors with my name and information. All the other creditors ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) were resolved with one phone call. This fraud alert was active when XXXX allowed an account to be fraudulently opened in Florida ( I have resided in Illinois for over 40 years ) in my name. A simple credit check would have have prevented this whole matter. Instead in 4 years XXXX has referred me to collections twice despite my providing proof of identity theft including a police report. Collection agencies have harassed me repeatedly with calls and letters. XXXX has never resolved or responded to my reports. At this point I consider this harassment and a violation of the Statement of Identity Theft Victims rights, Had XXXX done the most basic credit check they would have found the was fraud alert for accounts attempting to be opened with my SSN in XXXX of XXXX Out of 5 attempts to open accounts using my identity in XXXX and XX/XX/2019 XXXX was the only company who failed to take this simple step resulting in what is now a 4 year campaign of harassment and unwarranted negative reports on my credit history.While I have spent hours trying to rectify this issue and provide documents to report this as identity theft XXXX has not provided a single shred of proof to establish I opened this account.
|
| 05/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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My name is XXXX XXXX. I received a letter from ERC on XX/XX/2021. The letter is regarding a debt of {$150.00} to XXXX XXXX XXXX XXXX. My wife called the company since my XXXX is limited. I was asked if i ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. To be clear I have never lived at this address and I don't know anyone who lives at this address. I informed the company that I have never lived at this address, that I have never had an account with XXXX XXXX XXXX XXXX, and that I was not going to make any payments on the account because it is not my account or my debt.
ERC informed me that I could go to directtv/notmydebt, login, and dispute the account. I asked how I was suppose to log in if i do not have an account with them. ERC provided me with the account number for the XXXX account. I asked if I log in to XXXX with the account number you provide it can be deemed as my account since only the one who created the account would have the account number. The ERC representative replied yes it might. The agent also asked me multiple times, if i ever authorized anyone to open on account on my behalf. Multiple times i responded no I have not.
I returned the form they provide where i dispute the account because it is not my debt and asked to be provided with name and address of the original creditor. I also created an account on the ERC website where i submitted a Fraud complaint, a dispute, and a complaint.
As i mentioned before although my name is XXXX XXXX. I have never lived at the address they provided XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. I have never had an account with XXXX. I have never authorized anyone to open an account on my behalf.
|
| 09/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I switched service providers from XXXX to XXXX due to coverage issues. I went to the retail store and turned in equipment and paid the account balances to {$0.00} on XX/XX/2018. I received a new bill in early XX/XX/XXXX for {$140.00} ( another month of service. ) I called and disputed this immediately, and the agent on the phone agreed to remove the debt.
In XX/XX/XXXX I noticed in the mail another letter from XXXX saying I still have a debt, again I called and they said they have no record of the previous call, and that they will open up a dispute of the debt. A few weeks later I start getting calls from a debt collection agency ERC and then eventually a letter from one saying XXXX sold them my debt.
I verbally disputed the debt, and said I will only deal with XXXX. I called t-mobile again and they again, said they will open up a dispute.
XXXX nor the debt collector does not have a detail record of the billing period that they are claiming I was charged for, but I left their service in late XX/XX/XXXX and paid the balance owed by XX/XX/XXXX.
The debt collector reported this on my credit report even though it is still being disputed. I had a high XXXX score, this one thing knocked it down to XXXX and is preventing me from some lending. I've attempted to pay or negotiate the debt with both XXXX or the collector but admit no wrongdoing just to make it all go away, but the collector will not remove this from my credit. The fact that they sold a debt to collector that is being openly and honestly disputed, and then do not provide me with adequate billing information, then on top of that destroy my consumer credit is an unfair and unjust process.
|
| 12/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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In early 2016 I discovered a derogatory on my credit from XXXX XXXX XXXX for {$170.00}. I immediately called them and told them I had never had service with them, especially during the time frame they claim. I filed an Identity Theft Claim with the FTC and filed a police report. I proved it by sending them proof that I was in a XXXX XXXX XXXX in Colorado at the time. I later discovered my ex-wife had used my credit to open several accounts ; some she paid and some she did n't. XXXX agreed and immediately removed the entry from my credit from all three credit reporting agencies. Two months later, a derogatory showed up on my credit from XXXX XXXX for the same {$170.00}, who had taken over XXXX and their old receivables. I went through the same drill with them ; they agreed and removed the entry. A few months after that again appeared the same debt for {$170.00} from XXXX XXXX which had taken over XXXX. I went through all of the drill again ; they agreed, and removed it from my credit. A few months later, a collection agency called XXXX XXXX posted the {$170.00} debt as a Collections account. Once again I proved I did n't owe XXXX anything, they agreed and removed the entry. Now last month, I see that another collection agency, XXXX XXXX XXXX has again posted a {$170.00} collection account to my credit. How do I stop this from just keep happening over and over. XXXX claims they long ago had written off the debt and agree I do n't owe them anything. But all of the subsequent companies just keep buying up old a/r lists and put it on people 's credit in hopes that they will get paid off because they are harming said credit. This is just plain extortion.
|
| 03/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/XXXX I ported my cellular telephone numbers to XXXX from XXXX. After I ported my numbers over my account should have been closed as I have done this in the past and my accounts had been closed.
XXXX did not close my account, they continued billing me for additional months of service before I realized they did not close my account until I received a bill showing a very high amount owed.
I called XXXX and disputed that I had an active account, and explained to customer service that when I transferred my phone numbers to XXXX my account with XXXX was supposed to be cancelled and I was supposed to receive I final bill which would have been for about a week of phone service.
The customer service reps would not help and told me I had to call them to cancel service, which seems fraudulent.
I tried to dispute the amount and asked XXXX to adjust the bill to properly reflect when my account was cancelled. They refused and said I had to pay for additional months of service when I did not have phone service.
I then requested that a manager contact me so I could discuss with the manager further, the manager never contacted me. Instead they sent it to a collection agency that I believe was named XXXX.
I disputed this debt with XXXX and explained the reasoning.
As of XX/XX/XXXX I received a collection letter from a different collection agency named ERC, address of XXXX, FL XXXX The new agency did not review my past dispute of the debt to correct the issues, It is believed XXXX did not review my dispute and instead sent the debt which is not valid to another collection agency.
The reference Number that ERC gives me for the debt is XXXX.
|
| 10/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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I am in receipt of a collection notice from an entity identified only as " ERC '', claiming that I owe USD {$1200.00} to XXXX XXXX XXXX. The notice indicates that, if I return unspecified " equipment '' to XXXX, the return XXXX be used to calculate an unspecified amount of credit toward the debt owed.
I have never in my adult life -- or even in childhood -- lived in any area served by XXXX XXXX XXXX. I have neither requested nor received any goods or services ( including unspecified " equipment '' ) from XXXX. I have never been nor applied to be a customer of XXXX and I have never used, received, owned, leased, or otherwise knowingly or unknowingly made use of any XXXX services ; including, but not limited to any form of television, Internet or voice service.
The entity identified as " ERC '' most probably corresponds to this credit enquiry ( information provided by XXXX ) : ENHANCED RECOVERYXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX On:XXXXThe notice has a return address of XXXX XXXX, XXXX, XXXX XXXX, but advises that written communication should be sent only to ERC, XXXX. XXXX XXXX, XXXX, XXXX XXXX.
Being in receipt of my credit report, both XXXX and ERC are or should be fully aware that I have never lived in any area where I could have received any services that XXXX is commonly known to provide.
I can only conclude that, barring gross negligence, XXXX and/or ERC are knowingly engaging in fraudulent debt collection practices. The notice also states that they may knowingly make false statements to national or other credit bureaus representing that I owe a debt to them ; presumably if I do not promptly pay ERC the sum claimed to be owed.
|
| 06/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I closed account with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX about 3 years ago. I closed the account at XXXX XXXX XXXX XXXX XXXX XXXX and paid whatever balances I had. Then I received a bill again after closing so I went to the XXXX XXXX XXXX XXXX XXXX and checked with them for whatever balances I have to pay, Then they told me to return the internet and cable boxes with XXXX and I did so this balance maybe voided. I checked with them for all my balances and there was none and confirmed that my account is already closed. Besides, I pay my bills automatically online. I was surprised that this company which really does not have any customer service ethics sent this alleged debts to various billing collector agents which have bugged me for more than 3 years now. This has even done a great dent on my credit score. During the first few months, I kept receiving calls and letters from them, just to settle the debts, I sent them a check for XXXX which they were asking at that time, I don't remember which collector that was. Since I'm paying online I don't have any receipts and I couldn't find the receipts I paid XXXX XXXX XXXX XXXX.
Today I received this bill XXXX from ERC with all the provisions for payments.
It is not that I do not like to pay, but I know in my heart that I do not owe XXXX XXXX XXXX any amount. Truth is they even duped us of the packages that they offered at that time. You can check all my credits and there isn't a single complaints on me except this, which I know I do not have any liability whatsoever.
Please help me with this. I would appreciate should any action be taken especially now during this unprecedented times.
|
| 08/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This letter is being sent to you in response to the above reference account that Enhanced Recovery Company has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested.
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Enhanced Recovery Company for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
|
| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
ERC ( Enhanced Recovery Collection ) continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The alleged entry was placed on my credit reports and ERC never communicated in writing nor notified me that they were attempting to collect on this debt. I have never conducted business with ERC nor have I ever heard of them.
Once I became aware of this entry, I immediately disputed this erroneous, inaccurate entry with the bureaus. To my dismay, the bureaus reported that ERC had verified the entry they are reporting. To that end, I disputed directly with ERC and to date, they have not responded to me. They have not provided sufficient documentation to prove the veracity of what they are alleging. ERC is blatantly reporting this negative entry on my credit profiles and updating them monthly further damaging my creditworthiness for an entry they violated my consumer rights in reporting.
No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. If they are indeed a third party collection company, how is there alleged payment history reporting? This is inaccurate.
Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that ERC has no intent to honor nor respond to my previous dispute ; therefore, in the absence of them not responding with any documentation to substantiate the alleged debt, this entry must be removed from my credit report immediately.
|
| 11/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
|
First and foremost, I am a victim of identity of theft. There have been a multitude of accounts with various companies opened in my name and none of them were opened by me. When I received a letter from a company called XXXX XXXX XXXX XXXX in XXXX of this year stating that I had an outstanding balance of {$1600.00} owed for a XXXX account, I immediately contacted them to inform them that I was a victim of identity theft and that this account was not opened by myself and I was completely unaware of this bill. I have had XXXX since XX/XX/XXXX personally but I 've always paid my bill and never gone to collections. When I spoke to them I was informed there was an account opened XX/XX/XXXX and there were XXXX IPhones purchased. There was also a person with the name of XXXX XXXX that was an authorized person on this bill. If I were going to purchase a phone for someone I would 've added them to my bill rather than open a new account. It makes no since. When I informed them of the identity theft, I was told that they were going to do an investigation and get back with me on the outcome. Instead, XXXX is reporting on my credit report as of XX/XX/XXXX with an outstanding balance as well as they have sold the debt to a 3rd party as of XX/XX/XXXX according to the correspondence I received in the mail this week. I am not responsible for this debt. I have fraud alerts on my credit and I 've filed police reports and signed and notarized affidavits. This is rediculous that XXXX has reported the account without warning as I am in the process of purchasing a house and not only have they reported it, but they 've also sold it now to a collection agency.
|
| 01/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XXXX, I had a television and internet service account with XXXX XXXX XXXX for XXXX XXXX Not satisfied with their service, I called to cancel the account. I spoke with an XXXX XXXX XXXX rep over the phone who closed my account with no balance due and mailed me a shipping label to return my equipment. I shipped my equipment and the tracking number showed received. XXXX XXXX later I start getting messages from XXXX XXXX XXXX that my account was overdue. I tried to tell XXXX XXXX XXXX my account was closed and that my equipment had already been returned. I contacted XXXX XXXX XXXX XXXX times to explain the situation to them, however, they kept simply ignored my facts and asked for payment. After a XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent the account to collections which I disputed as not due. When I disputed the account, the XXXX XXXX XXXX agreed with us and removed the collection. XXXX XXXX XXXX used subversive actions by reporting the disputed collection to another collection company which would then show up as a collection on my credit. I have disputed this same disputed collection multiple times for over XXXX XXXX from different collection companies and each time the XXXX XXXX XXXX has agreed with me and removed the collection. I need assistance in telling XXXX XXXX XXXX to stop moving the disputed collection to a different collection agency each time I dispute the collection and have it removed from my credit by the XXXX XXXX XXXX. At this point XXXX XXXX XXXX is XXXX me without due cause. Since the last CFPB complaint, XXXX XXXX XXXX has once again used a different collection agency after disputing the previous collection agency.
|
| 06/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Here is a copy of the letter I sent to the debt collector : I received a demand for dept on a XXXX account that I closed and XXXX kept open without my authorization. I hereby notify you that XX/XX/2018 is the first demand for payment I have received and require the following : Proof of my agreement to pay the original creditor and history of my conversations on file disputing this claim with XXXX and chat history with XXXX ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.
I note you have reported to me to my credit agencies and demand you remove this immediately before I take legal action against XXXX.
I dispute this charge because I cancelled my account and tried multiple times to resolve this continuing charge from XXXX with XXXX. They could not help me several times because their systems were down but promised to rectify the debt that I did not owe and would call me back if not resolved. I never heard from them and now am taken to collections? I do not owe any money to this creditor.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Aside from verifying the debt, do not contact me about this debt.
|
| 02/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I XXXX XXXX am disputing a XXXX XXXX XXXX debt of {$440.00} from resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This dispute has dropped my credit score by 26 points. I have contacted XXXX and XXXX credit bureaus to have them add a fraud alert and credit freezes on both until I can find out what has happened or is happening. As of XX/XX/2019, I have an XXXX score of XXXX, XXXX score of XXXX, but an XXXX score of XXXX which is down 25 points which is absurd. XXXX and XXXX told me that although I have a freeze on my account, that wont stop the problem of XXXX XXXX XXXX ( ERC, a debt collection company ) from placing this back on my credit.
Either a new tenant used my cable fraudulently or I was taken advantage of because XXXX XXXX knew that I would not see any payment notices because of me moving. I notified XXXX XXXX XXXX ( ERC ) that this is not my doing and this account is fraudulent. I was told by ERC customer service agent who took my call and gave me a reference # XXXX that XXXX XXXX stated that the customer moved out of town. I had a forwarding address for XXXX State and never received a final bill notice of {$440.00}. Therefore, I think I was taken advantage of or either this is fraudulent.
I am currently reaching out to The Attorney General of XXXX, The Federal Trade Commission, The Federal Communication Commission ( FCC ), The Consumer Financial Protection Bureau, and The Consumer Fraud Bureau of the Attorney General of XXXX XXXX ( Which is XXXX XXXX Headquarters ) to resolve this debt benefit and negligence of XXXX XXXX, an investigation of this dispute from ERC, and to avoid any future credit score drops.
|
| 09/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It Concern, I recently received a copy of my credit report ( XXXX/XXXX/XXXX ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,
|
| 10/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
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
|
| 11/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 I sent a debt validation letter to ERC XXXX XXXX XXXX XXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that ERC have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. ( FCRA ) Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Re : Account # XXXX Please remove it from my credit report.
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account Deletion from all consumer reports.
Best Regards XXXX XXXX XXXX
|
| 05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX XXXX and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name ENHANCED RECOVERY Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019.
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also XXXX and XXXX are reporting new hard credit inquiries from XXXX XXXX XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those enhanced recovery people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.
|
| 04/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been monitoring my credit report and scores continuously for the last two years. I noticed in XX/XX/XXXX that XXXX accounts XXXX under ENHANCED RECOVERY COMPANY ( XXXX from XXXX XXXX XXXX and the other from XXXX XXXX ) were on all XXXX of my credit report in collection status. This has dramatically declined my credit, so I started to investigate these alleged accounts. They claim the first account XXXX XXXX XXXX XXXX ) was placed for collecton on XX/XX/XXXX. They claim the second account ( XXXX XXXX ) was placed for collection on XX/XX/XXXX. I have lived with relatives, and have NOT opened any cable/cellular accounts in over 7 years. So I started the dispute process with all the credit bureaus.I disputed in XX/XX/XXXX, no changes were made. I disputed again, I got the next results on XX/XX/XXXX, still ENHANCED RECOVERY COMPANY did not remove or validate these alleged accounts The only change made was the DATE UPDATED date was updated to the day they received the dispute. Next I started working with a credit repair company, they sent out another round of disputes, I recieved the dispute results on XX/XX/XXXX. Unfortunately, ENHANCED RECOVERY COMPANY still did not validate the accounts or remove them and no changes were made. Now I am taking it a step farther. I am sending a certified debt validation letter to their company, of which I will keep the receipt. I will also be attaching the debt validation letter, and also the copies of the dispute investigation results over the past few months. I have also contacted the XXXX and your organization as of now. Please assist me with this matter. Thank you for your time.
|
| 02/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Upon looking at an alert on my XXXX and XXXX report the company by the name of XXXX XXXX put a collection on my report from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of XXXX it was recently removed from a collection agency before because I had no knowledge of the account, so I called inquiring about it spoke to agent # XXXX XXXX and she said a letter was sent out in XX/XX/XXXX and upon looking at your file this is our first time speaking with you and I said well if thats the case how do I know a letter was actually sent out then and she she stated we are a third party collecting a debt for XXXX XXXX XXXX XXXX and I asked for validation of this debt since they put this in my credit report she said she had to contact XXXX XXXX XXXX XXXX, I immediately knew this was a shady practice and she pretty much pressured me to pay for something I had no knowledge of and said upon paying they will send a email to send to the bureau, so with that being said Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without it please remove it and if it continues to happen I will pursue suit because the company has damaged my excellent credit that i have spent years to get it wear it needs to be surely XXXX I would not let damage my credit or ignore if I have thousands of dollars credit that I pay 100 % on time
|
| 06/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Currently, I have a collection request from Enhanced Recovery Collections, for {$100.00} for XXXX XXXX, opened on XX/XX/XXXX. I am currently still a customer with XXXX XXXX. About XXXX years ago I moved addresses, during this transition I created a new XXXX account to service the new address. I was unaware that I owed any outstanding money to XXXX and even checked my old account, which still shows no amount is due on either accounts, and was never contacted by them about the {$100.00} owed. XXXX had my phone, email, current credit information and current address on file and was still providing me service, but neglected to inform me or charge me of the amount they claim I owed at my previous address. The Enhanced Recovery Collections attempted to contact me, and I truthfully thought they were a fraudulent attempt to acquire my credit information, as why would a collection agency be contacting me for my current service provider that never contacted me requesting payment and did not have any record of me owing it on my accounts along with still providing service while having my credit information on file to charge me at any time? I now understand, as of XX/XX/XXXX, that this collection company is legitimate, after speaking with them their company policy is to not accept any pay in full for deletion letters, despite the lack there of in communication from XXXX leaving me not at fault for this collection request origination. After speaking with XXXX management, the same scenario, a company policy prevents them from contacting the collection agency, leaving no possible way to work out a pay in full for deletion letter.
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| 04/24/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On today, XXXX XXXX I received a credit alert regarding a collection. I thought it was a utility company, but when I called the number it is a collection agency stating I owe {$280.00} to XXXX on an account opened in XXXX, and paid until XX/XX/XXXX. I informed the agent, I have not ever had comcast. She asked me to verify last 4 of my social. I asked her if she could see the name on the account, and she states there is no name, only last 4 of social, which do indeed match my SSN. She asked was I aware of the service address and I stated yes. I lived there from XXXX to XXXX through a company called invitation homes. I relocated to XXXX, GA in XXXX, and then to XXXX CA in XXXX. She went to verify my new address and stated it was XXXX XXXX XXXX, I informed her that is not correct.. she has no records of my current address or prior address. She also tried to verify an email, stating it was XXXX I informed her this is also not my email. My email is XXXX I have no knowledge of this account, which has now reported to my credit report as a collection from XX/XX/XXXX, when she states the account was from XXXX, 6 years ago. I informed her, I have never received any type of notice regarding an account with XXXX or a debt owed. She has mailed me a fraud packet to complete. I informed her that this account is now showing on my credit report as a collection and how am I to get this inaccuracy removed. In addition to whoever owes this debt, the debt is from XXXX, it is now XXXX. She states they will have to reach out to comcast. I called XXXX today and spoke with agent named XXXX. She does not show any accounts under my name.
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| 01/10/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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These credit bureaus, and these collection companies have admitted that my credit file has been breached. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. These collection companies know very well these are not my accounts ; however, these collection companies are seeing blood in the water, and they are focused like the sharks they are.
We must close these collection companies, and they are unabashed in corrupting my credit report. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deeds against them. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX, XXXX, XXXX, and XXXX.
This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at these collection companies, and the credit bureaus. They are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, these bureaus, and these collection companies are in the business of making money legally, and/or illegally.
These companies are much more than a credit reporting agency. It is a data broker, and thieves who are living like fat rats. It collects information from all of us, analyzes it all, and then sell them. If they think I will kick the can down the road when it comes to my credit. Well, I got news for them today, I am not.
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| 02/28/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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A mistake was made in XXXX systems and inaccurate information was sent to collections with out notifying me in the beginning of XX/XX/2018. On XX/XX/2018 the account was disputed and deleted from my credit and no longer shows up on my credit and XXXX admitted fault shortly after disputing and sent a letter indicating I had experienced fraud. Now XXXX is saying I owe the amount again since the collections company ERC ( Enhanced Recovery Co ) neglected fixing the account and when contacting ERC they state that the account was disputed twice that it was never deleted. I sent in proof from XXXX showing the amount was disputed and deleted with the exact information that they were accusing me of to XXXX. The company instead ignored the information I submitted and sent false information to the XXXX as well as the Attorney General saying that I am liar and they are correct when I have more than enough proof about everything but I have no one to submit it and they take the word of the company over mine all because ERC never fixed the account since its not even on my credit and it was disputed back in XX/XX/2018 as inaccurate and XXXX admitting fault as well. ERC tried getting me to pay half for an amount that is because of fraud. My credit was damaged and XXXX had to run my credit again and followed my account and will not fix the issue because ERC and XXXX are negligent even with proof and are trying to scam me into paying a balance that isnt mine or on my credit. Is there no way to show my validation instead of just taking what the company claims making me waste hours out of my day and making me go in circles.
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| 07/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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I do not recognize having any agreement with enhanced recovery and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with enhanced recovery .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
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| 03/05/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I received notice that my credit score had dropped due to a collection account in XX/XX/XXXX. I logged into XXXX and found a collections account for XXXX XXXX XXXX for {$5800.00}. I originally thought this debt was not mine and submitted a complaint that I did not owe this. XXXX agreed with me and removed the debt from my report.
In XX/XX/XXXX it popped up again with an new collection company Enhanced Recovery Co. I disputed this again. Except this time they sided with the collection agency and said I owed it. I did some research and found it was a collection from XXXX for an unpaid bill. This was news to me because my XXXX bill was paid in full monthly and I never missed a payment.
I found that the account in question was a closed account with XXXX when I updated my last phone. XXXX started a new account and closed the previous one out.
In XX/XX/XXXX someone had ordered 4 XXXX XXXX, a XXXX XXXX XXXX, and a XXXX watch under the old account number associated with me. I never received a bill or notice this had happened until it went to collections. Now I have been fighting to get it removed my credit report.
In XX/XX/XXXX I called XXXX to have the debt disputed. They agreed over the phone this is not my debt and my current account is in good standing. I submitted a fraud dispute on their online dispute center and never heard back.
In XX/XX/XXXX I called XXXX to question the last result to not remove the debt. They filled a fraud dispute and told me to file a complaint with the FTC.
I have attached the bill of the account that was fraudulently used to purchase the equipment in my name.
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| 11/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Re : XXXX XXXX XXXX XXXX acct. # XXXX Dear XXXX XXXX XXXX XXXX , I never received any written correspondance from this company. XXXX XXXX XXXX XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX that results from crime ( s ) that were committed against me. This is invalid. I did not received any services or goods from the original creditor. However, I am still held responsible for this debt. You are hereby in violation of the FAIR DEBT COLLECTION PRACTICES ACT by adding a collection to my credit reports without my knowledge.In addition, you are also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccurate information to the above-mentioned credit reporting agencies. You were by the 3 following credit reporting agencies not only were you froward copies of an FTC identity-theft report but also a sworn copy of an identity-theft affidavit. Still you fail to comply with laws enacted by congress to alleviate consumers of debts as a result of identity-theft. Failure to comply shall lead to litigation for defamation of character, whereas associating my name with debts I do not owe and various violations of THE FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. This is a declaration that I am exercising all my rights as a consumer and victim of identity theft. Lastly, having a debt I am not liable for after origin of such debt is given is a deliberate violation of the aforementioned acts all enacted and legalized by Congress and The Attorney General to protect consumers against unlawful collections and reporting of information to credit reporting agencies.
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| 10/08/2018 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear CFPB : I found this inscrutable notation on my credit report -- ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for XX/XX/XXXX Balance : {$190.00} Pay Status : >In Collection< Page 2 of 13 collection : Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX Now, there are three things wrong with this collection agency 's attempt to place this on XXXX, XXXX and XXXX -- all three bureaus. First, they are admitting on their own report that whatever creditor they purport to represent only dealt with my " agency or attorney '' -- in short I've never signed a " charter communications '' contract in my life in my personal capacity. Second, I have never lived in Florida, which is maybe where this creditor is from -- at least where the collection agency is from. Third, the amount in question will disappear from my credit in XXXX, which means that it dated from five years ago back in XXXX, and it just now is popping up on my credit, which is highly suspicious. As a bonus problem, the amount is {$190.00}, which of course would be much more than any month of a cable bill..if that's what this at least five year old reported item is in fact representing. Bottom line, I have nothing to do with XXXX XXXX nor this Collection Agency out of Florida and this report is fraudulent.
Sincerely, XXXX XXXX
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| 01/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re. : XXXX Dispute # XXXX Please note that this is in reference to account number XXXX pertaining to then phone XXXX for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. As you will see from the documents enclosed I was incarcerated on XXXX XXXX, XXXX, at approximately XXXX and was not released until XXXX XXXX, XXXX. I am therefore rightfully disputing the {$600.00} XXXX claims that I owe them from billing for their services since just prior to my incarceration date I had already paid my last bill. I was not free in society to have been able to utilize XXXX 's services beyond then and I should not have been continued to be billed after the first payment beyond XXXX XXXX, XXXX, failed to be paid by me due to being incarcerated.
I also want this erroneous debt claimed to be owed removed by XXXX from my Credit Reports. Although the erred referenced had been previously taken out from my Credit Reports upon XXXX having been notified of their error soon as I was released, recently on XXXX XXXX, XXXX, for some reason it was placed back on there and fraudulently claimed that it was a debt as of XXXX XXXX, XXXX. Despite this debt claimed being over almost six years olds well.
I previously wrote about this matter after being released and learning of the above but have yet to hear anything, nor was I called regarding the investigation of this Dispute although I was told that I would be before any decision would be had.
In sum, your time and expedient help in the resolution of this matter will be greatly appreciated.
Cordially, XXXX XXXX
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| 12/12/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I made a complain thru XXXX and no solution is getting resolve because it is a big company which is XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX is a fraud. The first issue is the name of the account. I called and notify them that the name in the account is misspelled and I told them multiple times to change it but it never happened.
There is a problem with this : First, I am paying the account with different name this caused problem with credit history and debt collection. This gives a negative report to my credit.
The second issue is that I was supposed to get my refund once I turned in the equipment to XXXX after the account is close and I have the receipt. After few months, I received phone calls and letter from the debt collection agency stating that I owe XXXX XXXX XXXX and I saying that I did not return the equipment. I made a multiple phone calls, sometimes 2-4 hours a day just to resolve this matter. I keep getting cut off or I keep getting transferred from one agent to another.
XXXX XXXX XXXX told me that my account is close with the different name ( XXXX XXXX ) so that they wont deal with me anymore but issue is not resolved and they open a new account to charge me of the refund amount. Not only XXXX XXXX XXXX owes me the refund from the returned equipment, they also wrongfully charge me for no reason and turn the account into the collection agency to give my credit an bad review.
At one point my credit is down to XXXX, I have to call the credit agency and spend more money to monitor my credit. I've been dealing with this since 2018. This is my last resort and I need help.
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| 08/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX ENHANCED RECOVERY CO L Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history.
Account Information : - Account Number : XXXX - Original Creditor : XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation.
I kindly request that you investigate this matter and remove the account from my credit reports with XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being.
Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter.
You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation.
Thank you for your immediate attention to this important matter.
Sincerely, XXXX XXXX
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| 03/25/2019 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX I became a member of XXXX XXXX and on XX/XX/XXXX I noticed there was an unusual debt collection from a non-familiar company called XXXX XXXX on behalf of XXXX XXXX, I disputed the charge thru XXXX on the same day on XX/XX/XXXX and they completed their investigation on XX/XX/XXXX removing it from my credit report so I thought all was settled since they ruled it a fraudulent charge, then on XXXX of XXXX they send me a letter on the mail from another collection company called ERC on behalf of XXXX XXXX XXXX XXXX and on XX/XX/XXXX I responded to their letter stating that their collection did not belonged to me because I never had any equipment or services installed in my house and the last name on the account is not mine but that was not enough they sent me another letter directly from the XXXX, ID protection team requesting an affidavit for identity theft, a police report and copies of my identification and my signature which I was not too comfortable on doing since I thought they could fake a contract and use my documents but I did it anyways, so I thought that was going to clear everything since they could now see that my last name did not match the one on the account but to my surprise they sent me another letter on XX/XX/XXXX saying that this was the second and final notice to submit my claim of identity theft asking for the same documentation, I decided not to respond to this last letter and instead I decided to report this fraudulent charges to you, please help me in resolving this matter since I am not willing to pay for something I am not responsible for, thank you
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| 11/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XXXX XXXX, XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. First, " XXXX '' back in XXXX XXXX ; second, the " XXXX XXXX '' back in XXXX XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. In XXXX XXXX, XXXX did it again, by passing my name to " XXXX XXXX XXXX ( XXXX XXXX ), '' which acknowledged that the debt was fraudulent, and closed the case. Now it is XXXX XXXX, and XXXX has persisted in sending this " debt '' to ERC, which is offering a settlement. Why should I pay a settlement for a debt that is not even mine?
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| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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WHAT THE XXXX??? This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of items that are reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company ERC is using a stall tactic claiming that I am using a XXXX party to submit these requests and that additional authorization was needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my disputes. I've recently received notification from the credit reporting agencies that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a XXXX party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed is permanently deleted from my credit file as it is reporting incorrectly. Should ERC refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
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| 08/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 11/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I dispute this debt because I do not owe this money. I terminated my contract for Internet service with XXXX in XXXX 2014. I received an email from XXXX stating that if I return their equipment before the closing bill, I would not be charged. At that time, I returned their modem using the packaging and shipping label they provided. My closing bill did not include any charges for equipment. I did not receive any bills or notices from them since ending the contract.
In XXXX 2014, I received a letter from a company called XXXX claiming I owed XXXX {$100.00}. I called XXXX and their representative said they had no outstanding dues on my account and that they were unfamiliar with XXXX. The call was escalated several times and took almost XXXX hour to complete as they checked various databases. After that call, I contacted XXXX to gather more information about this claim. They told me it was for an unreturned modem. I put this claim in dispute. In XXXX, 2014, I received a letter from them confirming that the account was in a " disputed status. " I received a letter from another collection agency called XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2014. There was no verification of the debt or any tracking information about the shipping label that was provided by XXXX. I received your collection notice today.
I do not appreciate having to dispute this debt this many times as XXXX continues to sell consumer information to different collection agencies. Upon searching discussion forums, I understand that there are many consumers who have been troubled greatly by a similar error.
|
| 07/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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good afternoon and hoping everything is going well during this pandemic. Listen, I'm not sure why this collection account continues to report on my credit where I was told that it was going to be removed. It continues to report inaccurate information, unverifiable data. Why is it still here? 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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 02/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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I obtained copies of all three of my credit reports and observed a collection account on my credit report from ERC for an XXXX XXXX XXXX bill which I do not ever recall having an XXXX XXXX XXXX account ever.
A certified letter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Company ( ERC ) on XX/XX/XXXX, please see the attached letter where I requested documentation to support that this was, in fact, my collection account as I do not recall ever having an account with XXXX XXXX XXXX I received a response letter, also attached from ERC on XX/XX/XXXX stating in paragraphs 5 & 6 : Unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after receipt of this notice, the debt will be assumed to be valid by us.
If you notify our office below in writing within the thirty-day period that the debt, or any portion thereof is disputed, we will obtain verification of the debt or a copy of any judgment that may be of record against you. We will mail the verification or copy of the judgment to you.
I followed up with another certified letter, XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, also attached, again requesting validation that this debt belongs to me. Again, they sent me a letter dated XX/XX/XXXX only to state that this debt remains unpaid. ERC still has not provided any documentation to prove that this debt belongs to me even after their own letter states that if I request the supporting documentation, it will be mailed to me. I requested proof that this debt belongs to me on two separate occasions with no success.
|
| 12/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
These people have not provided me with anything that I asked for. When I orginally contacted this company I wanted to get the debt verified and to get a copy of the bill and any other information pertaining to this account. The representative was very rude and stated that if i did not recall seeing the debt that i would have to fill out a fruad packet. They basically denied me the right to dispute this bill by trying to force me to fill out a fruad packet by over talking me and not allowing me to ask them for the things that I need for me to dispute this account. THIS IS ILLEGAL. BEFORE I proceed with a fruad packet I would like you to upload a copy of on the bill from XXXX communications. I need the first date of service, and itemized list of of the bill, as well as when the last payment was recieved. I would also like to see a contract from the company. It is my right to dispute all or some parts of a debt. you have not provided me the opprotunity to do that.
I would like this company to be reported to the FTC. They use pressurized over talking tatics to push consumers into a corner so they do not have to verify a debt. When I asked them to verify the debt. They lady kept over talking asking if the debt was mines or not. and I kept explaining to her that I do not recall but would like them to verify the debt. she said that if I did not recall seeing the debt that I would need to fill out a fruad packet. They are refusing to allow me to dispute all or parts of my debt by not allowing me to ask them for the things I need. I would like this company to be fined.
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| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This started back on XX/XX/XXXX, FTC file number XXXX was filed for someone buying XXXX XXXX XXXX merchandise in the amount of {$810.00} two different times, I called XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX spoke to XXXX there was nothing in system with my name on it at all, she transferred me to XXXX General customer Mgr who also looked into this and could not find anything relating to me even from the Debt dept. XXXX XXXX XXXX fraud number called was XXXX XXXX XXXX ) XXXX. The address that showed up on credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, never been to this state at all!!!
The agency who was holding the debt was called XXXX XXXX at ( XXXX ) XXXX spoke to XXXX he said it was a Non Existing Account. It was taken off both XXXX & XXXX accounts immediately and I was told that this would happen to all 3 reporting credit agencies so I would not have to call each and everyone of them. XXXX wanted my cc number on page to help me like {$40.00} for something I never needed so I canceled it Now on XX/XX/XXXX suddenly ENHANCED RECOVERY CO L put this debit on my credit report as past due since XX/XX/XXXX. This is not my Debit nor my Charges in Fact I want video and I want signature proof of Purchase I also want stores and address. AGAIN all others removed this fake debit from reporting instantly way back we it first happened all my credit score is XXXX XXXX is always reporting it at least XXXX pts lower how is that even legal XXXX my on my home loan, car loan and now bank loan with the interest rates!!!! Another outdated broken American system
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| 02/13/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have no idea who enhanced recover is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
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| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have sent multiple letters to ENHANCED RECOVERY CORP in regard to an collection on my account some letter have come back address not valid. by law if they have not sent any information to validate my debt then it should. be removed. I have no knowledge of this account nor do I have an actual contract with this company.. Under the Fair Credit Reportin g Act, 15 U.S.C. 1681g I have the ri ght to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them t o 3rd pa rties yo u are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. has an consumer I have the right to dispute any information on my credit report that In fact think is not valid at all.
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| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX FL XXXX ( 15 U.S.C 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
I must be told if information of mine is going to be shared with non-affiliated parties and I was not. I want you to delete any information of mine you are reporting to any non-affiliated parties. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP.
( 15 U.S.C 6802 B1A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Which I XXXX XXXX XXXX ; do not believe you did and now I am requesting you delete any information you are reporting of mine. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP.
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| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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THIS IS MY FINAL ATTEMPT TO RESOLVE THIS ISSUE AMICABLY AND OUT OF COURT! ENHANCED RECOVERY IGNORED MY Affidavit of Refutation, Notice & Demand CEASE AND DESIST DEMANDS! YOULL HAVE THE OPPORTUNITY TO SETTLE THE DAMAGES FOR LESS THAN THE INITIAL INVOICE THAT YOU PREVIOUSLY IGNORED ; SENT CERTIFIED USPS MAIL ( TRACKING # : XXXX ). YOU WILL BE RESPONSIBLE FOR ALL COURT COSTS AND ATTORNEY FEES. BE EXPECTING NOTICE FROM MY REPRESENTATIVE AT XXXX XXXX XXXX XXXX IN XXXX, TX XXXX ; IF THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER ( 30 DAYS ).
FIRST AND FOREMOST IVE NEVER DONE ANY TRANSACTIONS WITH ENHANCED RECOVERY SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. ENHANCED RECOVERY HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! SECONDLY IF THEY DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS ENHANCED RECOVERY ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CREDIT SERVICE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. ENHANCED RECOVERY REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX DOLLARS ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
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| 02/19/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX, used to have a internet service account with XXXX. I thought I had settled my account back in XXXX of XXXX. I paid the outstanding balance off using a gift card and made note of the confirmation number the XXXX agent gave me. Confirmation number XXXX. After that call ended I placed the remaining balance out of sight and out of mind. After that account was settled I never heard from XXXX ever again. I received a credit alert today XX/XX/XXXX from my XXXX monitoring account stating a recent debt collection was added on my credit report. When I contacted XXXX XXXX XXXX XXXX ( XXXX ) XXXX, the agent rep who first attended my call was rude and did not allow me to plead my case. I remained calm and asked to speak to a supervisor XXXX who was more rude and uncouth.I stated to XXXX XXXX that I had never received a letter from the Company and never have I spoken to any of there agents. When I asked for date and time the Supervisor XXXX failed to give me the information. The supervisor told me get a subpoena if I wanted those details. The collection amount is {$140.00}, after my failed attempt to resolve, I reached out to XXXX and explained the issue. XXXX is pulling my call from XX/XX/XXXX to assist to see what they can due on there end. How is someone supposed to resolve a debt they aren't even aware of it. XXXX did confirm the amount of the debt is {$100.00} dollars and not {$140.00}. Please assist us, as the account should not be reporting and this negatively affecting our credit. The company never gave us a fair chance and an opportunity to resolve.
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| 09/30/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I checked my credit report and I had a debt that was over 3 years old XXXX . When I checked the debt Enhanced Recovery Company LLC had changed the debt to 4 months old as if it was New! Now I have to wait 7 years for it to fall off my credit report! Unless Enhanced Recovery Company LLC changes there mind and change the date again!! This was my ex wife phone her responsibility to pay! And I will not pay!!! Enhanced Recovery Company LLC didn't give me any notification on the debt at all! Enhanced Recovery Company LLC should learn how to treat people and learn how to run a business!! I checked my credit report and found that a debt I had that was OLD! Was updated by ENHANCED RECOVERY COMPANY and it said it was opened 4 months ago, now I have to wait 7 more years, originally it was well over 3 or 4 years old and only had to wait 3 to 4 years for it to come off! Now this was my ex wife 's responsibility, because I worked for the XXXX and received a discount on the phone and she didn't pay that is why it's on my credit report! I didn't have knowledge that she switched phones and didn't pay the outstanding balance. I refuse to pay because it was hers and she could afford to payed it! Didn't receive any type of paperwork, phone call or anything! This is appalling the way they do business! I'm XXXX now and was waiting for it to come off when I retire at XXXX! These people are blood suckers that get paid XXXX $ an hour! I get phone calls all the time from different places, out of state, a City that I don't know anybody, They should be closed for lying and stealing!
|
| 12/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I have a collection placed on my credit report with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, FL XXXX.
I have never opened an account with this corporation and they have failed to provide me with a valid proof of debt.
This negative information was placed on my credit report on XX/XX/2018 for the amount of { {$2100.00} }.
I initially contacted them on XX/XX/18 requesting validation of said debt as well as provide the credit bureaus with my notice of dispute. I received random unsubstantiated unoriginal ( photocopied ) material and no acknowledgement to the credit bureaus of my legal right to dispute within 30 days notice.
On XX/XX/18 I sent an additional time stamped, dated letter requesting additional information to which the lines of communication went completely mute and still no legally enforced notification to the credit bureaus of my dispute.
I have been hindered in opening credit lines and purchasing a home for my family because of this negative information on my credit report. I am including tracking numbers as well as timed stamped certified letters with signatures that proves XXXX XXXX XXXX has received my disputes via USPS the dispute letters were received on. I also have dated credit reports that show my lawfully protected right to dispute under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) have willfully not been followed by this company as well as several other violations.
It has been more than 30 days and they have failed to respond legally. I am demanding this account be removed immediately due to lack of validity.
|
| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This collection is for an early termination fee for cell phone service from XXXX XXXX . First of all I have successfully disputed this debt several times and it was removed from my credit report. Then the Debt collector sold the Debt to another Debt c ollection agency and it appears back on my credit report. The dates of the erroneous debt was falsified prior to being sold to the next Collection agency to make it appear as a recent and valid dated outstanding debt. This is actually a very old account and that in itself should warrant its removal. As to the original early termination fee charged by XXXX XXXX . 1 ) I was a long standing customer of XXXX XXXX and was never late with a Paymen t 2 ) S ince had the service for a very long time I was no longer under contract with XXXX XXXX therefore an early termination fee would not app ly. 3 ) I contacted XXXX XXXX in writing 30 days prior to terminating the service. I do not owe this money and I will never pay this invalid bill because I do not owe it. But it has taken up a huge amount of my time responding to the false charge. Please assist me in its removal. This negatively impact me in several ways. If this charge had appeared when I recently refinanced my house it would have resulted in a higher interest rate which would have affected me financially for years. This is a predatory collection. I understand its their business. But I have to work for my money and Im not giving it away for free. That would equate to letting them steal from me. That 's not happening. Thanks for your help.
|
| 10/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Enhanced Recovery Company XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern, On a recent review of my credit report, I discovered Enhanced Recovery Company is reporting a debt that I have previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety. I am requesting that Enhanced Recovery Company provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Enhanced Recovery Company cease and desist from all collection activity pertaining to this account. Enhanced Recovery Company are only to contact me via mail at my mailing address. I am allowing Enhanced Recovery Company a period of 30 days to produce this information. If Enhanced Recovery Company is unable to validate the account, then they are to remove the collection account from all of my credit reports.
Enhanced Recovery Company failure to act will result in this matter being referred to the XXXX XXXX XXXX and the Attorney Generals Office.
|
| 04/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX 2. Validate Account Enhanced Recovery Collections 3. Validate Account XXXX XXXX XXXXXXXX 4.Validate Account XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Thank you for your time and help in this matter.
|
| 09/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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I closed an account XXXX for cable services when moving out of my mothers townhome located at XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX The balance was paid in full and the equipment returned. Never received any information XXXX. XX/XX/XXXX I received a letter from a collections company stating that I needed to pay over {$440.00} because XXXX had turn a collection account on me for an unpaid bill. I do n't keep bills for these many years, so I had no way to verify that the account was taken care of. When I refused to make the payment and they told me that my credit will stay messed up until I paid the debt so I made the payment but the bad credit report still there. I am a poor student, I do n't have money to make XXXX even richer. While reading reviews on the collection company 's website, it sounds like XXXX has a scam going on with ENHANCE RECOVERY CORPORATION, to steal money from consumers. This is their information : Enhanced Recovery CorporationXXXX XXXX XXXX, FL XXXX XXXXThe account in question with them is XXXX.
Someone needs to stop this type of activities to prevent businesses from monopolizing and taking advantage of consumers. This action on their part has caused my credit to be ruin. I am a decent citizen, working part time and going to school XXXX ; I still live with my parents because I ca n't afford to live on my own. I do not need the start of my adult independent life, to initiate with bad credit to affect my possibilities to request credit for the most basic needs in life such as car or home purchases.
Sincerely, XXXX XXXX XXXX
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| 06/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I received a collection letter on XX/XX/2020 from ERC, XXXX. XXXX XXXX, XXXX XXXX, XXXX, PA XXXX and mailing address ERC, XXXX. XXXX XXXX, XXXX, FL XXXX stating that I had an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$630.00}. The letter was dated XX/XX/2020.
The letter included payment options, a payment stub, and return envelope. The account number listed is XXXX and reference number, XXXX. The letter states that " This serves as a notice to you the ERC has been authorized to report your delinquent account to the national credit bureaus when allowed by applicable law. '' The letter has my name and address, but I have never had an account with XXXX XXXX XXXX XXXX. I called the toll-free number XXXX on XX/XX/2020 at XXXX and talked with a representative to ask why I had received this. The rep asked me to verify my name and address and last four digits of my SSN. I told him that I would give my name and address because they were on the letter but not my SSN. He then said that he would read to me the SSN that ERC has on file with this reference number and asked if I could verify. The numbers he shared were not mine and I told him so. He then said that I could disregard the letter because I was not this person. I asked what I needed to do next because my name and address are tied with this account and he told me again to just disregard. Because of this, I have now been placed in the position of questioning whether or not this account will be reported as mine with national credit bureaus and will have to monitor for some months.
|
| 03/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
|
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Having recently moved back to the United States, I decied to check my credit reports as I had been out of the country for almost 2 years. While it's in the 700 's, I do have 3 collection accounts which I am trying to resolve.
I called ERC to discuss what the account was for and why the dates on my report are wrong as I had not even been in the US for 2 years. After researching how to respond in writing for verification and
possible settlement, they did not respond in writing within the 15-30 days of me sending a certified letter. I did receive the returned receipt which was signed. Also, I learned that ERC has had 100 's of complaints about how they do not respond in writing, try to get bank account information over the phone, report an old or non-existant debt and then when settled or even paid in full, they do not take it off your credit report. I found out that even if you pay the original creditor in full that ERC will still try to collect and file negative reports to the credit bureau. This leaves me with no desire to pay them anything as it will have slim to no chance of improving my score. Honestly, with all the complaints that have been published, how they are not shut down is a complete mystery to me and many others??? They are obviously in violation of many rules that were created to protect the consumers from the situations I have described. It seems that we have no recourse even if we follow every step reccommended by the CFPB. Please advise if you have anything new to deal with these unfair and unlawful tactics.
Thanks, XXXX XXXX
|
| 10/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
|
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After reviewing my credit report I have discovered an inaccurate listing included on my file that I never knew about and did not sign any contract for. This company which I hold no contract with nor have received serviced from, reported a amount of {$1400.00} with XXXX, XXXX and XXXX credit reporting agencies. This has been on my credit report since XXXX and I have not been contacted to resolve this debt. I do not and should not have a signed contract with ERC or XXXX. I have never done business with either company. I am not reliable for collection from this debt from ERC or XXXX. After reviewing my report I sent debt validation letters to ERC requesting the original signed contract stating that I have or had an account with XXXX. This communication was sent XX/XX/XXXX. The FCRA requires you to verify the validity within 30 days. I have disputed this collection account with all three credit bureaus and ERC has not provided any information, contract or adequate proof. that I actually signed proving this account to belong to me. These disputes were sent to the credit bureaus on XX/XX/XXXX and ERC has failed to provide the necessary information and have only reported to the credit bureaus that my account was being reinvestigated. Validation that I actually signed a contract has yet to be received. As the accounts are under reinvestigation over the past two years it has affected me from getting credit to build my credit. If the validity can not be verified, they are obligated to remove this collection. I have never signed a contract with ERC or XXXX.
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, ENHANCED RECOVERYCOMPANY, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
|
| 07/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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We cancelled our XXXX XXXX service to be effective XX/XX/XXXX because we were moving. We were not able to move our service because XXXX does not offer XXXX service in our new area. We gave them our new address.
On XX/XX/XXXX XXXX sent a statement to our old address which reflected a balance due for the period XX/XX/XXXX through XX/XX/XXXX in the amount of {$69.00} and a balance due for XXXX in the amount of {$38.00} ( total {$100.00} ).
We immediately called and spoke to XXXX. She told us not to pay the bill, that the corrections would be reflected in the XXXX statement. Again, we gave them our new address.
Despite telling us they would fix the problem, they sent us to a collection agency. We contacted the agency and sent a letter outlining the issues. We never heard back from them.
In XXXX we received another collection letter from a different agency. We contacted them and wrote another letter. We never heard back.
In XX/XX/XXXX, we received another collection letter from third agency. We contacted them and wrote another letter. We never heard back.
Last week ( XX/XX/XXXX ), we received yet another collection letter from a different agency. We have sent them a dispute letter.
Additionally, XXXX has reported us to the credit rating bureaus as not paying our bill. Technically, that is correct. But we have n't paid it because we have n't received a corrected bill.
How many times can XXXX send us to a different agency? This is getting to feel like harassment. We are willing to pay what we owe, but we would like a corrected invoice.
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I had a contract with XXXX XXXX XX/XX/XXXX and had lapsed on my payments. It was sent to Enhanced Recovery Systems ( ERC ) XX/XX/XXXX. The Amount that was sent to collections was {$340.00}. I had called them XX/XX/XXXX to resolve this collection and was given options as to what could be done. We agreed to Legally Pay in full for less than the full amount on XX/XX/XXXX with their agreement to remove themselves from my credit report. That never happened. I called several times within the past 11 months to ask them to remove themselves based on our agreement and they would tell me that i had to call XXXX XXXX to have them to call or send a letter to them ( ERC ) to have them remove themselves from my credit report. I did this. Every time i called XXXX they were unable to locate my account and had no record and that i would have to call them ( ERC ). After going back and fourth I tried reaching out to XXXX to file a dispute last week. I called XXXX today, XXXX, to check the status and XXXX 3 way called ERC and told me the same thing. I needed to call XXXX XXXX and have the send a letter or call them to be removed from my report. XXXX told me to call XXXX and so I did. Unsuccessful again. they could not find me in their system nor in their old data bases. I was transferred to a senior specialist and was told he couldn't find me or remove it or call anyone or write any letters, and that i would have to wait for it to be removed on it's own with time. So i am here to have some assistance from you to help me get this removed from my credit report.
|
| 10/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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On XXXX XXXX, XXXX I spoke with a agent at XXXX XXXX XXXX regarding a bill that was on my credit report. I told the agent that the XXXX bill in the amount of {$820.00} was done fraudulently and that I did not authorize anyone to use my name or social security number. I did ask the agent if she had a signed contract from XXXX on file and she stated that she did not. After going back and forth with the agent she agreed that she could not verify the account was mine. So she stated that she would send a deletion letter to each credit bureau. The account was deleted from my credit reports however 15 days later I received a letter stating that I had to contact the company back via phone or mail within 30 days asking for verification and if not they would replace the same XXXX account back unto my credit report. When I spoke with the agent on XXXX/XXXX/XXXX she stated that she could not indeed verify the account was mine and then days later they are sending out more letters asking me to ask them to verify the account again. If they could not indeed verify the account the first time, why would I send a letter or call them again for the exact same thing. I am contacting the CFPB because I do not want this account placed back unto my credit and I am having a hard time with this company and its unprofessionalism. The entire time I was on the phone with the agent I could hear others in the background laughing and at one point I heard very vulgar music playing. I 've attached a copy of the recent police report that was filed in regards to the XXXX Account.
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| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
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| 05/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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My wife and I moved from a set of apartments and when we left we paid a relenting fee which took care of us leaving our lease early. We stayed in that XXXX place for over two years and then about XXXX months after we done moved we started to get a collection notice saying we owed for carpet, painting and other misc. Problem with that is the manager did a walk through with my wife and said everything was good and even signed off on it. Out of no where they decided they would try charging us for basically a new apt . Problem is our original lease stated that after a year the carpets, paint and everything else that was normal wear and tear would n't be held against us. I 've tried to communicate with them and they are rude and began threatening. It has been almost XXXX years since we 've left and the collection agency reopened the case to start the process over again like we just left yesterday. The apartments owner was nothing but a XXXX, he refused to make needed repairs and rigged everything. Code compliance was called by us and many other residents and they would still not fix things. It took them XXXX months to repair their a/c system even after being fined. We were forced to move because they moved in a XXXX next door to us and we had a family. Even after numerous complaints and police visits they still refused to evict them because they paid cash for their rent. Crime there was another huge issue. I could go on and on with all the reasons why we had to leave but the point is they are wrongfully trying to collect a debt that is n't owed.
|
| 04/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Approximately three-four years ago I started to received letters and calls regarding this debt. I advised the company the debt was not mine. I disputed the debt in writing and by phone multiple times. In fact, when I called the company, they confirmed the debt was not in my name. It wasn't until many calls and letters later they changed the debt to my name. In fact when they finally sent the debt to a third party collection agency, the collection agency stated another persons name. I advised them the debt was not mine. that I never had a XXXX account. I hired an attorney and the attorney corresponded with the collection agency and with the original creditor, XXXX. The attorney received validation of the debt which confirmed the account was NOT in my name. The debt was removed from my credit and I never heard from them again. For a short time the debt was deleted from all three major credit reporting agencies. Recently the debt showed up on my CBR again. I believe this may as a result from XXXX being sold to XXXX. I called XXXX to confirm they do not have my debt and they do not. I have no outstanding bill with XXXX and I do not owe this bill to XXXX. The bill was fraudulently placed in my name by the original creditor. Validation of the debt and the original contract proves this. I have had the same phone number with zero issues and zero late bills or payments for many years. This can be confirmed with XXXX. I am requesting a thorough review of this debt and ask that it be deleted from all three major credit bureaus immediately.
|
| 04/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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XX/XX/XXXX I received a credit monitoring alert that notified me of a new collection account listing with XXXX XXXX credit bureaus. At that time, I had n't received any letters or notification from the company, Enhanced Recovery, who placed the trade line in my credit file. XX/XX/XXXX, I sent a letter to Enhanced Recovery - sent certified mail return receipt requested ( XXXX ) - notifying them of the placement in my credit file, that they had not provided any notification to me of a debt owed, and requesting validation of the debt. Although this letter was received by them, I received no response. On XX/XX/XXXX, I sent a XXXX letter to Enhanced Recovery, also sent XXXX notifying that they had not responded to my previous letter, although required by law, and were still continuing to report an invalid and unvalidated debt to the credit bureaus. At that time, I, again, requested debt validation or removal of the trade line. As of XX/XX/XXXX, I have received NO communication from Enhanced Recovery nor has the debt been removed from my credit file. They have continued, since XX/XX/XXXX, to insert and update a trade line in my credit file, causing significant damage to my credit rating. They have not responded to any of the letters sent to them. I have filed a complaint with the XXXX and the Texas Attorney General 's office as well, in an attempt to resolve this issue. Their continued violations are unacceptable, and in violation of both federal and Texas state law. This trade line needs to be deleted from my credit file immediately.
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| 07/22/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I sent a certified investigation letter to XXXX XXXX on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt.
XX/XX/XXXX XXXX sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}.
XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to XXXX XXXX stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information.
XX/XX/XXXX I receive a letter from ERC stating XXXX XXXX , XXXX has placed your previously disputed account with ERC. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}.
XX/XX/XXXX I receive a letter from XXXX XXXX stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the information.
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| 10/02/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX ( aka XXXX ) has been repeatedly through hundreds of phone calls been attempting to extort a claimed owing of {$87.00} on a previous account which was closed properly and equipment returned properly. One of several debt collectors, this one called " XXXX XXXX XXXX '' contacted me in XXXX of XXXX regarding the demand for collection of this {$87.00} dollars, to which I responded on their website ( XXXX ) with pictures of the proof of receipts when the equipment was returned ( XX/XX/XXXX ). XXXX XXXX XXXX accepted the documented proof and indicated they were NO LONGER seeking collection on the account and CLOSING their case.
I received notification on XX/XX/XXXX, by XXXX Credit Bureau, that yet ANOTHER Collection Agency - " Enhanced Recovery Co '', was now going after me for this same amount. XXXX ( aka XXXX ) has ALREADY been thwarted in their continuous attacks and extortion attempts at trying to get me to pay this falsely " owed '' amount of {$87.00}, and are resorting to yet another attempt at damaging my credit, slandering and attacking my character ( as someone who has NEVER, EVER been in a Collections Process ), and continues to harass me with these repeated attempts. XXXX has alerted me that " Enhanced Recovery Co '' has " Flagged my account for Collections ''. This will have DEVASTATING affects on my Credit score, and I will not tolerate this continued attack on me. It is defaming my outstanding credit history, and is embarrassing, slanderous, and makes me liable when presenting myself based on financial stability.
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Enhanced Recovery has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They are violating federal law USC 1692e. They are falsely reporting information to the credit bureaus for an alleged debt not owed to Enhanced Recovery. Enhanced Recovery placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I demand this debt to be removed from their system and from the credit bureaus systems immediately. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Hello, I filed a complaint here with the FTC/CFPB for XXXX XXXX XXXX. They collect on behalf of XXXX XXXX. They put a collection on my credit report for {$100.00} I never in my life have had XXXX XXXX EVER. My father is XXXX XXXX XXXX He has XXXX XXXX. Not myself.I called XXXX my father did as well. They confirmed that it is his NOT MINE. We asked them to remove the collections, they said they would off my report ( XXXX XXXX XXXX ) They have not.
I checked the status of my dispute here online and their legal dept said the social matches mine - this is FALSE a blatant lie and my father confirmed on the phone it was his and NOT mine. This is a lie by their legal dept. XXXXTo make matters worse they sold the debt to XXXX XXXX XXXX/XXXX XXXX XXXX They keep trying to collect and reselling on an account that has NEVER been mine. I have NEVER enrolled or even applied to XXXX XXXX.
THey show 2 numbers on my credit report under creditors heading XXXX XXXX I let them know of the situation they said to go back to XXXX. I called XXXX they said they don't have it anymore and denied that they spoke to my father and I before. I then called XXXX XXXX XXXX they said it was sold to another creditor being XXXX XXXX.
My scores dropped from mid 750 's all 3 down to mid 650's.I am very angry and frustrated at the lies XXXX - XXXX XXXX and XXXX all have colluded in.
How can they keep doing this? Selling my information/debt that is not mine?
I have the credit reports to prove it and show matching amounts.
Thank You XXXX XXXX XXXX.
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I am writing this complaint to remove 3 inaccurate and fraudulent accounts from my credit report in the amount of {$220.00}, {$130.00}, and {$120.00}. Enhanced Recovery Company LLC continues to report false and unverifiable debts to the Credit Bureaus. This company continues to violate the FCRA AND FDCPA laws and regulations. Enhanced Recovery failed to contact me about the supposed debts before placing it on my credit report. I have NEVER done any business with this company. I have not requested, received, accepted or utilized any goods, tasks, or services with them. I have no contract with Enhanced Recovery Company, verbally, written, expressed, or implied. Through certified mail, I have repeatedly requested chain of custody. This company has failed to provide me with an original contract bearing my signature with specific dates, as well as proof of their authority in this matter. Enhanced Recovery has failed to provide ANY documents proving that this debt is within statue of limitations. They have failed to provide all purported assignments, sales, and/or transfers of the alleged account and debt in question, a verified itemized statements of all services, money, property, or insurance. In summary, Enhanced Recovery Company has failed to provide all documents that they intend to rely upon as proof should this action end up in a court of competent jurisdiction. They havent provided EVIDENCE to prove this accounts accuracy. I ask that they close the account, remove the item from my credit reports, and do not resell it.
|
| 03/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am a XXXX and XXXX XXXX service member in the United States XXXX.
From XX/XX/XXXX through XX/XX/XXXX I lived in XXXX, New Mexico, while stationed at XXXX XXXX XXXX XXXX.
On XX/XX/XXXX, a collection company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a letter to my parents house ( my military home of record ) saying that I owed {$150.00} relating to an unpaid service bill with XXXX XXXX XXXX XXXX They have sent several other communications since.
I have never been a XXXX customer. While I lived in NM, my service provider was XXXX ( I can provide receipts of payment to CenturyLink during this time ).
I called the telephone number on the complaint to dispute the claim. I called XXXX. They said they couldnt help me and referred me to XXXX. I called XXXX in late XX/XX/XXXX, and they directed me to their fraud department. I submitted a fraud packet on XX/XX/XXXX in order to have the claim disputed.
On Monday, XX/XX/XXXX my credit score dropped XXXX points due to this fraudulent collection.
When I called XXXX to dispute this, they gave me some info about this account that I had never heard of : XXXX. The account was opened on XX/XX/XXXX.
XXXX. It was closed/suspended on XX/XX/XXXX.
XXXX. My address at the time was at a home in XXXX, NM XXXX. The address that this service opened at was an apartment complex for which I never lived and have absolutely no relationship with At this juncture, I want the fraudulent collection to cease and for my XXXXredit score to return to its pre-fraudulent collection status.
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Greetings, I have a complaint that includes two businesses. XXXX claims that I owe them {$230.00}. So the first complaint is that XXXX has commited identity theft by sharing my confidential information without my consent per 15 USC 6801, 6802 and 1681 ( b ). They have violated my privacy and my confidential information to outsiders not affiliated with the company, ie ; stock holders, owners, subdivisions of the company or employees.
My information was then purchased by a debt collector ERC who has been contacting me since XX/XX/2023 Reference Number : XXXX in the amount of said {$230.00} debt. In the form of a letter. Which was purchased from XXXX without my consent. I've also received numerous phone calls since that period.
So I decided to send them a validation letter, cease and desist letter and a 30-day affidavit of truth all certified mail : XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I received the green card and they received my notice XX/XX/2023.
Since then i have received 5 phone calls from ERC XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and today XX/XX/2023.
I also made the aware in my affidavit that it would be {$1000.00} per occurrence and they still continue to harass me.
My affidavit will be alive and active and I will be looking to obtain my remedy for the violations this company has committed against me the consumer and person. They are not on my credit report but XXXX is as a collections account. I also have a copy of the documents that I sent them. They have the originals notarized and signed.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have reached out to XXXX and Enhanced Recovery on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or XXXX XXXX report ( XXXX ) : * Date of Last Activity * Date Reported * Date Opened * Closed Date * Last Payment However, this inaccurate information is still being verified and reported by XXXX and the credit bureaus each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request the XXXX account XXXX be removed immediately from my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of my rights under FCRA by reporting inaccurately.
Also when attempting to make contact in order to resolve my concern, XXXX refuses to assist and forwards me to Enhanced Recovery Company. When I contact Enhance Recovery, they inform me that XXXX is reporting to credit bureaus not ERC, therefor they can not assist with the inaccurate reporting. An ERC representative on the phone informed me they do not report data to credit agencies, they collect only and the information being provided is coming from XXXX XXXX. I have been sent back and forth between the two companies with no resolve.
I can not verify or validate any of the information on my credit report concerning XXXX. I have contacted XXXX on several occasions but XXXX refuses to report accurately.
I request account XXXX be deleted immediately from my credit report.
|
| 12/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XXXX, ERC sent me a debt collection letter for XXXX XXXX. I have never been a customer of XXXX XXXX. The debt was for someone with a different name than mine who lived in a place I had never heard of. I disputed this debt with ERC and XXXX XXXX. For proof of debt, ERC sent me this other person 's bills. This did not prove the debt belonged to me. It was just someone else 's bills with their name, address and phone number. ERC kept asking me to give them my social security number which I refused to do. ERC then told me the only way to clear this debt was by submitting a form stating that I was the victim of identity theft. I had a fraud monitoring service at the time, and my bank also provided identity protection. Both of them told me that my social security number had not been used to open any XXXX XXXX account. So I refused to submit the identity theft form to ERC unless they provided me the social security number on the account. I also spoke to the XXXX XXXX XXXX XXXX XXXX Customer Service Representative on XX/XX/XXXX. The representative told me that there was a note on the account saying the debt was not identity theft and the balance had been zeroed out. This is the last I heard about the debt until XX/XX/XXXX when I received another debt collection letter from ERC. I checked my credit reports to see if this was negatively impacting my credit rating and found that the name on the XXXX XXXX account had been added to my credit file as a known alias! How did this happen? Did ERC add the name to my credit file?
|
| 02/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Hello, my name is XXXX XXXX I am contacting the CFPB to help resolve and identity theft account that was open in my name in another state. In which, I have never lived in the state my entire life. I have an account hat was open in the state of Colorado. The address is XXXX XXXX XXXX XXXX, XXXX, CO XXXX in which I have never lied at this address. I filled out an identity theft affidavit with XXXX already informing them that the account they have on my credit report and with the ERC is not mine. After contacting the collection company Enhanced Recovery Company LLC by phone and mail the collection company provided me with the contract. I hired a consumer investigation company to investigate the fraud and have it removed from my credit report. I will provide the affidavit XXXX got back in touch with me asking for information I provided proof of residences with my driver 's license. I like to also, inform ERC, XXXX, and the CFPB that at the time the account was open I already had XXXX in XXXX, Texas. I open my XXXX account on XX/XX/XXXX and closed it on XX/XX/XXXX. There is no way I could have open two cable companies ' accounts. XXXX can be contacted at XXXX. The address where the account was open is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am going to provide all the documents I shared with XXXX, the collection company response with my contract, and my proof of residency at the time from XXXX XXXX. I tried to upload the proof of residency to XXXX but their online system is not working I kept getting an error message.
|
| 11/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$2500.00} ].
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
ENHANCED RECOVERY COMPAN Reported : XX/XX/2020 {$660.00} I challenge the accuracy, compliance and reportability of these listings.
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ).
Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Credit Reporting Agency ( XXXX, XXXX XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT ERC -ENHANCED Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT PLEASE HAVE THIS INACCORATE INFORMATION REMOVED AT ONCE.
XXXX CHILD SUPPORT COLLECTION AGENCY, ACCOUNT # XXXX IS ON MY CREDIT 2X WITH A XXXX AND A XXXX THIS IS NOT MINE, XXXX CHILD SUPPORT COLLECTION AGENCY ACCOUNT # XXXX IS ON MY CREDIT REPORT 2XFOR THE SUM XXXX THIS IS ALSO NOT MINE BOTH ACCOUNTS WERE OPEN ON THE SAME DAY, PLEASE HAVE THE inaccurate INFO REMOVED FROM MY CREDIT FILE.As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
My identifying information is as follows : Date of Birth : XX/XX/XXXX ASSN : XXXX As proof of my identity, I have included copies of my, Social Security card, drivers license, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX
|
| 08/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
ON XX/XX/2022 I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT. I REPORTED THIS TO MY LOCAL POLICE AND FILED A FTC AFFIDAVIT. I CONTACTED EACH COMPANY THAT HAD REPORTED FRAUD ACCOUNTS IN XXXX. EACH ACCONT HAS BEEN CORRECTED BUT XXXX WHICH WAS PURCHASED BY ENHANCED RECOVERY. I AM NOW AWARE THAT THIS COMPANY IS IN TOTAL VIOLATION OF NUMEROUS OF MY RIGHTS UNDER THE FCRA AS WELL AS THE USC. FOR STARTER THIS COMPANY IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M. IT IS ILLEGAL TO PURCHASE OR TRANSFER A DEBT CAUSED BY IDENTITY THEFT. THIS COMPANY IS ALSO IN VIOLATION OF 15 USC 1692G ( A ). THIS COMPANY NEVER CONTACTED ME ABOUT THIS DEBT PRIOR TO PLACING THIS DEBT ON MY CREDIT. AS A CONSUMER, I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO IT BEING PLACED ON MY CREDIT. THIS COMPANY HAS FAILED TO FOLLOW THE STANDARD GUIDELINES OF DEBT COLLECTION AND I AM NOW SEEKING REMEDY. AS STATED, I HAVE ATTEMPTED TO RESOLVE THIS ISSUE IN XXXXXX/XX/2022. ACCORDING TO 15 USC 1681C ( 2 ) ANY COMPANY THAT FURNISHES INFORMATION TO ANY CONSUMER REPORTING AGENCY SHALL HAVE IN PLACE REASONABLE PROCEDURES TO RESPOND. THIS COMPANY HAS NOT RESPONDED TO ANYTHING. I HAVE REPORTED THIS COMPANY TO CONSUMERFINANCE.GOV AND I AM 100 % PREPARED TO SUE THIS COMPANY. UNDER 15 USC 1692K A ( 1 ) I AM ENTITLED TO ACTUAL DAMAGES SUSTAINED BY THIS COMPANY REPORTING THIS DEBT AS WELL AS ALL COURT AND LAWYER FEES. I AM AGAIN ASKING THIS COMPANY TO REMOVE THIS DEBT AND MY INFORMATION FROM THEIR DATABASE OR MYSELF AND ATTORNEY WILL PROCEED WITH COURT FILING.
|
| 03/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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I closed an account with XXXX XXXX. They sent a final bill that included charges for equipment already returned. I disputed the charges and after many calls to XXXX they found the missing equipment in their system and corrected the billing error and closed the account. Assuring me the error was theirs and the account would be removed from collections and stricken from my record.
However the collection agency did not remove it. Only marked it as paid in full even though they didnt collect even one dollar.
I disputed this action and two credit reporting bureaus removed it. However the collection agency continues to report this incorrect information on my credit report. Causing it to reappear on my report weeks or months later. I have called them many times and get transferred around but no one there will remove it even though its a obvious error. Their refusal to acknowledge the error and correct it is causing me to have serious difficulty in securing a home loan. A letter from XXXX explaining the error is helpful but does not correct my FICO score. A action that greatly limits my ability to secure a loan. Their representatives seem very unconcerned and transfer me to another department repeatedly until I get a answering machine. I leave messages but they will not return my call or make any attempt to resolve the issue. Every time I get it removed thru direct dispute with the collection agencies it is re-recorded with a newer date making an account that is years old appear and score as if its new.
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| 07/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XX/XX/2018, I noticed this inaccuracy and immediately sent a letter to Enhanced. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary In their response and letter dated XXXX.18, ERC provided a mere statement that lacked veracity. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations.
ERC must immediately delete this erroneous entry from all of my credit reports.
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| 12/21/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I want to hereby denounce XXXX XXXX XXXXXXXX XXXX for continuing to violate the FDCPA. Over 30 days ago I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ].
I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
Nothing has been provided.
The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, and They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act.
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages.
XXXX XXXX continues to report negative information on my report fraudulently. This is my last attempt to have them comply with the law immediately before I move this matter to court.
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| 12/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the law firm I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
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| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I received a call from XXXX. On my caller ID on my Cell Phone, it showed as XXXX XXXX.
I answered the phone to see who was calling. If it was XXXX, which I have never done business with that I can recall, I wanted to make sure I was on their XXXX list.
The rep came on the line asking to speak to me. I said she was speaking to me. She wanted to verify my address " for security purposes. '' She never identified herself as being a debt collector, that she was attempting to collect a debt, or what company she was from. She only advised that the call was monitored and/or recorded. I do not recall the name. I did not have anything to write it down. I advised that without knowing the company she was calling from, I would not give any other information. She said she would notate and hung up.
I called back the number to learn they are ERC. They are trying to collect on a debt that I owe to XXXX. When I asked if they are masking numbers, explaining that I got a call that was coming from " XXXX '' she said they have many numbers they use.
Problems with initial call I received:1. Deceptive phone number usage.
2. Not identifying as a debt collector3. Refusal to provide company name when asked directly for it.
I know for a fact that debt collectors have to identify they are attempting to collect a debt ( when I called back, the only way I knew they were attempting to collect a debt was when the person told me the company name ). I also know that they *have* to provide the company name when asked.
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| 01/31/2019 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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XXXX XXXX XXXX in XXXX Florida continued to call my home number after three seperate attempts on my part to get them to cease. On my first conversation with a representative they determined that i was not the party that they were trying to collect from but gave me that individuals full name ( violating FDCPA disclosure laws ) and they assured me i would not be called again. The phone calls continued daily. After a length conversation ( taped ) in which a female supervisor advised they couldn't always see the numbers they were calling in their system, I was again informed that I would absolutely not be called again. After that call I documented calls from ERC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2x ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were more but these are documented.
On XX/XX/XXXX I again spoke with the company. I have advised on all three conversations that a XXXX person uses this phone line as his life line and that these calls were a nusiance and causing stress and harm to this individaul. I have since been contacted by their complaince officer assurning me that i will not be called again. He also claims this is a " call forwarding '' issue which is nonsense because the person they told me they were trying to collect from ( 2x ) had this number over thirteen years ago. I know this to be fact from the ten other companies that called in the first year I had the number. This leads me to believe that ERC participates in collecting past statute debt.
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| 09/11/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX I had an XXXX door to door person offer a package deal for wireless and internet that I opted for. In this 'deal ' I got the newest XXXX. All I had to pay that day was 'tax on the XXXX ' I'd be getting, which was {$100.00}. I returned the phone in plenty of time not to pay any fees, didn't get any better service than I had with my XXXX with another cellular company. I returned the phone to the XXXX store, got a receipt, but XXXX still said the phone can't be found. Finally they FOUND it after a few months but still had not returned my TAX on the purchase! I was due the {$100.00} back, but instead they ignored helping me and I had to dispute this charge on my Visa. They tried to get XXXX and didn't get a response so I got my taxes on purchase refunded. Since then, I was billed over and over for it?? I called explaining this mulitple times, no one thought it was any big deal, did not help and finally it was turned over to XXXX XXXX XXXX out of NY, who hounded me with call after call for months and months but my phone blocks spam calling at this point. Now it has been changed to a new collection agency as of XX/XX/XXXX ENHANCED RECOVERY COLLECTIONS out of XXXX, FL. The process to dispute starts all over again, with what was MY money in the first place and my Visa investigated this and gave me the money back.. and yet I deal with this continuously for nearing 2 years now. I was advised by my identity theft protection company that monitors all my credit to write a complain to CFPB.
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| 05/02/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have been having a problem with Enhanced Recovery coming after me for XXXX separate bills when they were not bonded in Texas at the time. I 've had the XXXX and XXXX accounts removed from my report several times over the years. Due to indentify theft as well as the debt I do not owe. However, Enhanced Recovery Corp seems to continually place theses accounts back on my report. Since XXXX I 've contacted between XXXX and ERC several times for validation of these debts with a contract signing, copies of license or ss to no avail. I first got them removed both accounts in XXXX . Only to be placed back on in XXXX . I had the accounts removed again due to lack of verification and validation of the debt they 're claiming I owed. The XXXX account was placed back on and removed again in XXXX . XXXX came back as well and removed in XXXX . I have had XXXX removed once again and now ERC is still trying to collect on XXXX . XXXX has been removed from XXXX and XXXX . However, it and XXXX are still on My XXXX and XXXX report. I 've been having these problems with this company which had no bonding in the state of texas at the time these account were placed on my reports. I 've been fighting this debt. Not to mention the items have continously been removed. I 'm asking for valid proof of verification something in writing with my signature binding me to the debt. I 'm also submitting proof of these items being removed several times. Thanks so much for your time.
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| 01/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
A copy of my credit report I received from XXXX
The fraudulent items are circled and listed here : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled.
A copy of my Identity Theft Victims Complaint and Affidavit.
A copy of my FTC Identity Theft Report.
Proof of my identity and proof of my address.
Confirmation of fraud alert.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theXXXX within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter and await your reply.
Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert
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| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Due to the Coronavirus pandemic, we are now in receipt of your results.
On the onset, you stated and I quote ; We take compliance with all applicable state and federal laws very seriously. In this circumstance no contract with XXXX is required to validate the account.
We are a nation of laws. The misrepresentation of XXXX XXXX is egregious based on the fact that they only provided an alleged ledger. XXXX provides a relation back theory to substantiate a dispute in this circumstance.
Therefore, if CFPB refuses to compel XXXX XXXX, to turn over the material verification documents ; then I, demand that XXXX XXXX provide an application with my signature on it that demonstrates myself seeking any form of financial help or credit from the original lender or the aforementioned downstream lender in order for them to properly validate that this account belongs to me.
My records indicate that I have not received any such notices from XXXX XXXX to come to court in or around XX/XX/2017.
Therewith, it appears that XXXX XXXX gained a judgment without prejudice, based on no appearance opposed to what XXXX XXXX alleged.
Addressing court records, I was never served a complaint or summons at any time. My dispute remains clear. This account was not initiated, nor an application signed by me, seeking any services.
Conclusively, provide me the controlling document in this dispute which is either contract or application with my signature on it, which sought credit from the parties listed herein.
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| 08/10/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX/mo for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number.
At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX.
On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required 620. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that Enhanced Recovery had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score XXXX points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.
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| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was contacted by phone in XXXX by XXXX XXXX with XXXX XXXX XXXX regarding a past due XXXX XXXX XXXX bill in the amount of {$1400.00}. I advised XXXX that I have never had an account with XXXX XXXX XXXX. She also informed me that the account was in my name and linked to an address in XXXX, CT, and I advised her that I have never lived in nor even been to CT. I thought that this was resolved as I never heard back from them. Then on XX/XX/XXXX I received an email from my credit monitoring service through XXXX that a " Major Derogatory Account '' and " New Account '' had shown up on my credit report. This time it is from Enhanced Recovery Company, and the charge is for {$11000.00}. On Monday, XX/XX/XXXX, Enhanced Recovery called me and I explained to XXXX XXXX that this was not my account and that this was fraud. She asked me to file a police report, which I did, and she said that she would email me a " fraud package '' which I have yet to receive. She had offered to postal mail the package to me and when I asked her where she was going to send it, she gave me the address in CT, and I told her " I just told you that is not my address, I have never lived there '', thus why I asked her to email it to me. i also had to give her my emails address four times, so I am unsure if she ever got it right. ( I will follow up via phone if I do not get the email by tomorrow ). I also contacted XXXX XXXX XXXX and filled out a fraud report on their website and I contacted XXXX to report it as fraud.
|
| 06/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I 've never had XXXX. The services were turned on without my knowledge or consent. I 've been fighting about this bill for a long time now. Previous to speaking with ERC I had been dealing with another agency called XXXX XXXX. I told XXXX XXXX that I was disputing the bill, XXXX XXXX deleted the trade line from my credit on XXXX/XXXX/16 but then on XXXX/XXXX/16 I found the account re-reported by another agency, ERC. I called ERC today, XXXX/XXXX/16 and let the rep I spoke to know that I did n't get a first notice, she confirmed they had part of my address incorrect and confirmed will resend me a letter. I do n't need a " balance due '' notice, I need a validation notice showing me where I can dispute this account, and how I can obtain validation of this debt. The rep I spoke to told me that Yes I can dispute this account over the phone and she confirmed that my dispute will be forwarded to XXXX for their review, however she told me that a request for validation must be made in writing. Again, I do n't have a first notice so I 'm unable to do so until I get that. At this point, I am beyond frustrated with XXXX and these collection agencies. This has greatly affected my credit and no one has been able to prove to me that it 's my debt. I do n't understand how/why these agencies can report this to my credit and pursue me for a bill that they can not prove is mine. I 'm going to hire an attorney if XXXX wo n't permanently delete this from my credit and stop billing me for this account.
|
| 03/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I spoke with ERC in regards to a bill that is owed to XXXX on XX/XX/XXXX. They informed me that they were trying to recover a {$2000.00} bill that they believe I owe.
I informed the first agent in the 1st 4 minutes of the phone call that I was disputing the bill because XXXX continued to charge me service fees after they had shut off the phone service. The represented continued to try to collect the debt, asking me how much I would settle the account for. He then transferred me to an account dispute representative XXXX XXXX.
Over the next 20 minutes of the phone call, I advised Ms XXXX again that I wanted a copy of the bill and that I do not believe I owe the bill. I explained that XXXX would have been paid had they not continue to charge me service fees when I was not receiving services. She even verified that services were ended in XXXX of XXXX but service fees continued until XXXX of XXXX. I asked her if she saw my point. She the ended the phone call by saying that they would send me the requested information. I only received a letter from ERC saying that I needed to dispute the bill in writing within 30 days.
Today is XX/XX/XXXX, and I have yet to receive the information that Ms XXXX promised over the phone to verify the bill. The bill is still being reflected on my credit and I want the bill removed. I was denied a job from XXXX that I was supposed to start on XX/XX/XXXX because of this negative trade line.
I would like to file a formal compliant against XXXX and ERC.
|
| 12/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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For some reason ERC has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating serious issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed.
I disputed this account directly with ERC on XXXX XXXX, 2017. To date, ERC continues to ignore my requests and they continue to ignore my consumer rights.
I believe this account does not belong to me. I requested the documents from their files used to validate this account. The FDCPA states they must cease collection activity until they have produced validation of the alleged debt, that includes furnishing and verifying information on my credit reports. I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unvalidated accounts must be deleted.
Who validated this account? What documents did they use to validate? Where are the documents used to validate?
I never received correspondence from ERC. This company is in violation for continuing to validate the account with the credit bureaus without providing the evidence as requested. It is my contention that ERC know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ERC is blatantly disregarding the law.
|
| 04/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
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| 12/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
|
| 07/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American |
|
Reviewed my credit reort on XX/XX/XXXX. Found XXXX XXXX XXXX had listed me delinquent for 2 months, never heard from them prior. On XX/XX/XXXX at XXXX called and spoke to XXXX XXXX to ask questions about information. They wanted my current address, I told them no they had my info from credit reporting agency. Was told I had to talk to dispute resolution and got transferred. At XXXX to XXXX XXXX who immediately when told what I was inquiring about advised me I had wrong department, gave me reference number XXXX. Transferred me to XXXX XXXX ( XXXX ) who transferred me to XXXX XXXX ( XXXX ). I asked for details and was told they could not give to me and I would have to write to -ERC XXXX XXXX XXXX XXXX Fl XXXX to get information. I said I would, then XXXX said I had to give her most recent mailing address or they would not respond. I had a XXXX XXXX account several years ago, returned equipment ( shows XX/XX/XXXX returned, but I know it was before then ) and after fighting about return, they listed me as delinquent on credit history. That finally went off my credit report. Now XXXX XXXX appears showing 2 months delinquent and today is first time I spoke to them or had heard from them. They should have to supply a detailed bill of what {$570.00} entails and since no prior business contact with me, I want them removed from my credit report immediately. Is it legal for XXXX XXXX to give my personal info ; including social security number to someone I have no business contact with?
|
| 12/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XX/XX/XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XXXX - XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
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| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter at my current address requesting debt repayment in the amount of {$330.00} from ERC. I ignored it initially thinking that it was a scam until I seen it more than once and checked my credit report to see that it was indeed on there.
I sent a certified letter to ERC on XXXX XXXX, 2017 requesting verification of this account. Not my surprise I, the debt was not verified. Instead, I received a printout on XXXX XXXX, 2017 with the amount requested but, with a XXXX logo.
I mailed another certified letter to ERC on XXXX XXXX, 2017, requesting verification of this account once again. I included a copy of all original documents and requested for more details than some printout. On XXXX XXXX, 2017, I received the same exact system generated cover letter again and this time it was two invoice printouts. The first printout was the same as last requesting {$330.00} and then the other was for {$770.00}.
Instead of spending {$7.00} to send another certified letter requesting verification, I 've decided to move forward with assistance. Thus far, I 've recently complained to the XXXX XXXX XXXX and CFPB. I do n't have anymore patience for this company and their lack of regard to the damage that this company is imposing on my life and without any verification. We all know how important credit is these days. At minimum, this company should be able to provide substantial detail about the accounts that are placed on consumer credit reports. This is totally unacceptable.
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| 02/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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This complaint is in reference to account XXXX with Enhanced Recovery Corp. According to my credit report ERC took over this account from XXXX in XXXX of 2016 in which I was not aware of this account until ERC listed it on my credit report XXXX/XXXX/2016. Although the account was assigned to ERC and they had the account listed on my credit report I was instructed for the original creditor ( XXXX ) that I could make the payment to them and they would recall the collection from ERC and have the collection removed from my credit report. On XXXX I made payment to the Original creditor ( XXXX XXXX ) in the amount of {$160.00}. ERC was notified by the original creditor the payment day ( XXXX/XXXX/2016 ) that the account was paid in full and as of today has not reported the correct account information which has caused me to be denied credit. As of today after multiple disputes on this account ERC continues to report false information to the XXXX reporting agency which is a FCRA violation. For the last 6 months ERC continues to update XXXX reporting agency and list the account as an unpaid collection and with a balance owed ( {$160.00} ) in they are aware that the account was paid in full on XXXX/XXXX/2016. As of today I am prepared to sue ERC for not providing complete and accurate information to the credit bureaus and for not correcting inaccurate information in my report upon credit disputes. This is not acceptable for ERC to knowingly participate in unfair collection practices.
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| 07/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Ive had a debt collector ERC on behalf of XXXX XXXX XXXX. Over the past months Ive called XXXX XXXX XXXX and I was verified as having account number XXXX as a XXXX account. This account doesnt match what ERC has been attempting to collect for Acct # XXXX. XXXX on several calls and chats has offered to send me a detailed record of the account that is registered to me Acct # XXXX in the amount of {$91.00} dollars.
I have still not received any communication to verify any debt. I was told that the account number XXXX didnt show me as the registered account holder and that I would get detailed information to specify this as well. I have been able to keep my chat records with XXXX and have found their customer service, account billing and collections to all have different information. This has seriously impacted my credit for years and its unfair that I can not receive information for an account from XX/XX/XXXX. I was told by XXXX that they do not keep those records and because they are old records Id have to register for an account to get that information uploaded yet there is nothing in this account t profile. This Ive been calling and chatting now since XXXX XXXX and have not received any statements or records to prove what the chat representAtive told me. I have been told its a XXXX, a XXXX XXXX account and spoke to this department and nothing came up and then it was a. XXXX and nothing came up. It has been so hard and has created a very heavy negative impact on my credit.
|
| 03/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On early XX/XX/XXXX, I received a debt collection notice in the mail from a company called " ERC ''. I immediately called them ti figure out what this was for and the representative said that this is a debt from an account with XXXX XXXX XXXX over 5 years ago. I told her that when the account was terminated, the equipment and final balance were paid at XXXX XXXX XXXX 's office in XXXX, Ohio. She argued and said unless I had proof of what I had explained to her, that they would continue to try to collect the debt.
I asked her how it was possible that if i look at my credit report every year, how this hasn't ever come up until now. She didn't have an answer but said that they were supposedly the 4th collection agency that has had the account. Again, I asked her to explain why I haven't heard about this until now and she had no answer. Her only response was that I could take the settlement offer they were presenting to me or that they would continue to collect the debt.
After I got off the phone with her, I did a quick XXXX search and have found HUNDREDS of other complaints from people just like me. People who have never had service with XXXX XXXX, people who used to have XXXX XXXX 5 or more years ago in the past, etc.
I do not owe this debt and need this taken care of. This company is unethical and should be shut down.
I also receive 2 or 3 phone calls per day from this company even though i told them to put it in a dispute status because if it is not a genuine debt.
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| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been going in circles for almost 2 weeks with trying to get services with atnt uverse. I have been transferred over and over and no one can help me. I was told to call the ERC Collections and once I called I told them I need proof that the balance of XXXX is removed and not owed. They say they cant provide a letter so now atnt cant help me even though they were the ones who sent me there. All I am trying to do is get services. I have checked all credit reports and it 's been removed. ERC has now all of a sudden decided to make a new bogus account and today they said that XXXX should already have on file that I do not owe anything but once again I called today and XXXX cant help me so I can get services. I have informed that I have a police report that it 's not my charge, but for some reason, thats still not good enough. What other evidence do I really need to prove? They say all calls are recorded and monitored, so in that case, ERC needs to replay their recordings and hear how I have been treated. Also after being on hold for 10 mins becasue the agent said he will ask his boss can I get a letter stating I do not owe, he then came back on the phone and said no, and that he has another account number for me, so now when I use to log in ERC page before yesterday, I got a message that says the account has been stopped, now when I login it leads me to a page that wants me to start a dispute with them. This is very illegal there is no way I had a new account in 10 mins.
|
| 02/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent a letter to Enhanced Recovery Company stating that I pulled my credit reports and noticed an unfamiliar collection on my credit reports, which I had not been aware of. Rightfully, I requested VALIDATION of the debt, requesting PROOF that I am indeed the party bound by CONTRACTUAL OBLIGATION to pay the debt. I requested PROOF OF AN AGREEMENT with their client that authorized them to collect on the alleged debt, and most importantly, an agreement BEARING SIGNATURE of the alleged debtor wherein he promises to pay the creditor. They provided NONE of the aforesaid VALIDATION. All I received was VERIFICATION in the form of a phone bill with my name on it. No VALIDATION whatsoever that this account belongs to me or that I entered into a contract. Yet, they continue to report this inaccuracy on my credit reports. When I initially filed a complaint with the CFPB, Enhanced Recovery Co. responded that they received my request for validation and that they " verified '' ( not validated ) the account. VERIFICATION and VALIDATION are not interchangeable! There is a difference between " validation '' and " verification ''. I did NOT request verification. I requested validation! They have not been able to furnish anything that proves that I am contractually obligated to this account in any way or that this account belongs to me. They are unable to VALIDATE the contract, yet continue to tarnish my credit worthiness by reporting this inaccurate information to multiple credit bureaus.
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| 08/25/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/20 ERC received that I sent a debt validation letter that was sent by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. I called ERC on XX/XX/20 for a resolution and spoke to an male agent who confirmed the information was not sent and asked me what information I wanted I told him that they did not provide the requested info in the required time frame and I would only like for the information to be deleted at this point, he then transferred me to the escalation department who hung up on me. I called back and another agent told me they can send it out then changed the story to say they believe XXXX sent the info out on XX/XX/20. Even so they had 30 days to respond to this matter and failed to do so. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following information to validate debt : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental The original balance The current balance Any fees added by your agency.
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| 07/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This complaint is being sent to ENHANCED RECOVERY CO XXXX in response to a computer-generated, unsigned letter dated XX/XX/XXXX, letter received by Claimant from their offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Claimant 's mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.
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| 11/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Hello as of XX/XX/2020 i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of.
These accounts are fraudulent and I would like to report this incident.
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with XXXX XXXX XXXX about this incident.
I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others.
This incident happened XXXX at my previous home. My truck was parked at when it was broken into.
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen.
Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen.
PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY ENHANCED RECOVERY Account Number XXXX {$68.00} XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX
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| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My service ended with XXXX XXXX on XXXX XXXX and my XXXX XXXX took over service with a new box on XXXX but at the same location. I was given the box by my adult son XXXX XXXX XXXX and promptly returned it on XXXX XXXXXXXX XXXX after the holiday. Returned in to the XXXX store and was told my account was paid in full. Then in XX/XX/XXXX I received a notice from a collection agency for {$70.00} which I preceded to go to XXXX different XXXX stores to dispute that I did not owe that amount and they were trying to charge me for service from XXXX XXXX XXXX where they were already charging my XXXX XXXX for the same service at the same address. I sent the collection agency all the paperwork and thought it was over but then they turned me over to another collection agency in XX/XX/XXXX and I tried to speak with a supervisor at XXXX and after talking to and explaining to the representative she placed me on hold several times for over XXXX XXXX and then transferred me finally to a supervisor where the phone line rang XXXX times without anyone answering and then the phone went dead. Then preceded to send the same documentation to this agency and thought the matter was resolved. Then XX/XX/XXXX received a letter from the XXXX different agency and tried calling but was ignored and harassed for payment. I've spent numerous hours proving that it is illegal for them to charge XXXX different people for service at the same address, especially since I had not lived there at the time.
|
| 03/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On my credit report I saw a debt that I do not owe. I wrote and sent a certified letter to them ( XXXX ) XX/XX/XXXX. They did not respond within the 30 day time frame. I disputed the debt to the 3 credit bureau 's XX/XX/XXXX. The company ( XXXX ) and debt was removed from my credit report. Then I received a bill from the debt collector ( XXXX ). A date stamped envelope with the date of XX/XX/XXXX with a bill ( XXXX ) of an account that I have never had. XX/XX/XXXX I noticed the same debt collection, this time from another company ( Enhanced Recovery ). I sent them ( Enhanced Recovery ) a certified letter XX/XX/XXXX, only to learn that I should have written to you when I saw that the debt collector transferred the debt to another collector. I have have my mobile services with the same company for 12 years ( XXXX ) with the same telephone number and have never switched companies at any time. Please find all supporting documents to this complaint. I an disputing this bill that I do not owe. I am reporting this company ( Enhanced Recovery ) that is attempting to collect a debt that was previously removed from the 3 credit bureau 's, I am proving that I am with the same carrier and do not have a past due balance with them from XX/XX/XXXX and have never had another account with the same phone number. Moreover, this debt was erased from my credit report and should have never been transferred to another company. I thank you in advance for looking into this matter. XXXX
|
| 01/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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An invalid debt was sold from XXXX collection company to another and I am again being harassed and my credit score negatively affected due collection attempts from this company. In XXXX XXXX, I contacted you because XXXX in XXXX Florida continued to send me letters stating I owed a debt to XXXX XXXX XXXX in the amount of {$300.00} but they would not respond to my letters and they had failed and refused to provide any documentation of a valid debt. With your assistance, this negative mark was removed from all XXXX credit reporting companies and I did not receive any further correspondence. However on XXXX XXXX, XXXX, I received notification from my credit monitoring service that a collection account, reported by Enhanced Recovery Company also located in XXXX Florida, was placed on all XXXX credit reporting sites for XXXX XXXX XXXX in the very same amount as XXXX had back in XXXX. This company made no effort to contact me by mail or phone to confirm or deny the validity of this debt, but instead just placed it on my credit reports and marking this account as open as of XXXX XXXX. When I was dealing with XXXX, they claimed this amount was for wireless phone services with XXXX XXXX XXXX when in fact at that time I was with a different company, and I did not have any contract in force with XXXX XXXX XXXX at the time of the supposed debt. I had also at that time contacted XXXX XXXX XXXX who stated they were not aware of this debt and could not find any records of it.
|
| 03/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX i received notification that I had a new collection account on my credit report. The collection was placed by credit collection company, Enhanced Recovery Company , LLC ( ERC ). I've never received any communication from this company about the alleged debt. A few days later, I called them to find out what the debt was and from when. I was told it was a sprint account, which appeared to have been opened in XXXX. I proceeded to tell the representative that her information was incorrect as I had notified XXXX in XXXX that I did not open this account and someone probably stole my identity/information and opened this account under my name. That I provided XXXX with a bunch of paperwork and affidavits. I never heard back from them. So I assumed the matter was resolved. Now 6 years later, ERC placed a collection account on my credit report. This should have never happened because I told XXXX it was fraud when I first found out about this and not to mention, they are outside of the statute of limitations. The rep said he would notate the account/put red flag on it and notify sprint.
I also opened a dispute with one of the credit agencies, XXXX. Per the results on XX/XX/XXXX, ERC has agreed to delete the collection from my credit report. Sadly on the same day, the collection account was reported to XXXX and XXXX. Needless to say I am frustrated at this point and wants this resolved because I am trying to rebuild my credit and this is causing an issue.
|
| 01/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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I was/ am a XXXX customer and have been for a long time. Prior to XXXX XXXX I was on a single person plan with XXXX. Then in XXXX XXXX I closed this plan and opened a new plan with my girlfriend, also with XXXX and have been since. In the change from my old plan to my new plan I supposedly owed {$48.00}, of which no one from XXXX told me or gave me a bill or called me. I assumed therefore that the account was closed completely and I did n't owe anything.
Apparently, that was a mistake. Instead on XXXX XXXX, XXXX, 2 and a half years later they sent this to a collection agency called Enhanced Recovery, phone number XXXX. And did Enhanced Recovery do anything, send me a letter, call me, email me?
No, instead, they waited until XXXX XXXX and without any contact, without any notification, they reported this to the credit bureaus knocking my XXXX XXXX from XXXX to XXXX. When I found out, I called the Enhanced Recovery and spoke with the manager, XXXX XXXX at XXXX and told him that no one ever contacted me or let me know I owed this money. I stated I have no problem paying the {$48.00} but I want it removed from my credit report. XXXX was ambivalent even seemed to taunt me saying they only update credit reports, they do n't remove anything. I know for a fact they have that ability. I found out the history of my XXXX account from a call with XXXX customer service Manager XXXX XXXX at XXXX XXXX XXXX XXXX and she told me that the amount had been transferred and when.
|
| 09/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. ERC 3. XXXX XXXX XXXX
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 10/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
On XXXX XXXX, XXXX I received notification from Enhanced Recovery Service ( ERC ) claiming I supposedly owe a debt to them ( Doc A ) ; ERC did not provide me 30 days to dispute the validity of the debt. On XXXX XXXX, XXXX ERC reported that same invalid debt to the Credit Bureaus on my credit report ( Doc B ) to defamed my character and cause me grave financial harm. On XXXX XXXX, XXXX ERC again reported ( Doc C ), or updated the invalid debt to my credit report to cause me grave financial injury. Also per ERC reporting, the statutes of limitation have long been expired on the collection of this invalid debt. ERC reported a balance date of " XXXX XXXX, XXXX ''. There are several inconsistencies with ERC notifications that a reasonable person can not state ERC 's claim is valid. ( Doc A, B, C, D ). ERC is only doing this to cause me financial harm.
ERC violated FDCPA and FCRA ( the Acts ) regulations.
I will file separate legal action against ERC to recover damages for : defamation of character ; causing me grave financial harm in a Court of law.
I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights.
ERC violated the statutes of the Acts. This Agency has the authority and jurisdiction under the Acts to recover penalties on my behalf instead of filing legal action on my own.
|
| 08/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my credit file. see list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate this account. in pursuant to the FCRA section 6099 ( A ) ( B ) ( C ) I would like the name, email address, the addressed telephone number of the person who furnished and verified this derogatory information with transition. further I am requesting verification the amounts of any and all payments that led to this alleged debt being placed on my transunion consumer profile. al information pursuant to the FCRA section 609 should be mailed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, tx XXXX. I am disputingand requesting information on the following accounts. account name XXXX XXXX. account name enhanced recovery XXXX XXXX. account name XXXX XXXX XXXX. failure to properly investigate the accounts listed above will result in a " non verification '' which requires that the inaccurate information be immediately removed from my credit file. if any items return as verified please provide all records in regard to the FCRA section 609. I also understand that the Fair Credit Reporting Act -specifically 15 USC section 1681i ( D ) AND 1681 J- requires that I receive both written notification of the appropriate corrections and updated credit report at no charge. thank you for your attention to this matter. XXXX XXXX
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| 07/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received response from debt collector. I believe that Fair credit act states if a alleged debtor ( XXXX ) realizes it made a mistake and took debt off one credit report, then it should be taken off all. ERC fails to accept that info, and doesnt admit this really is not something they should have contacted me about as I explained that to them and they were well within the ability to research this with the info I supplied. I explained I would not give them my SS number as I was hacked last year and will not divulge. And I also explained I never lived at a NJ address which was also disputed.The clerk in the legal dept that answered my complaint failed to address this and failed to accept responsibility that that was all that was needed to research this claim and to contact XXXX to verify. This collection was placed on my report without any verification and this collector failed to verify and validate as they sent me a collection letter. It should not be my burden to try to get this off my report and try to correct this as Ive been trying to do, this already was addressed last year with XXXX as I explained to clerk and XXXX removed it from XXXX. Therefore it should also have been removed from the other reports as I explained to ERC. They could have verified this info easily and instead refuse to accept this and accept responsibility for their collection efforts which were blatantly unverified that this debt was owed or even mine, I feel it was harassment.
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| 05/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I found out from a free credit report XXXX XXXX XXXX XXXX that a collection agency called Enhanced Recovery Company erroneously reported a debt of US {$350.00} that I 'owed ' to XXXX. This immediately caught my attention because I have never had a XXXX account. I called XXXX and reported that this was an error, to which they replied that they will investigate. I also called XXXX and gave them my social security number, and XXXX verified on the phone that they do not have any record of anyone with my social security number opening an account with them. I had informed XXXX of this as well, but later found out that XXXX 'investigated ' this issue and confirmed the 'debt '.
I then contacted the collection agency, and the customer representative gave me the last XXXX digits of the social security number of the person who actually owed XXXX, and this was not my social security number. I was then informed by the customer representative that I will have to send a letter explaining the situation, and a copy of my ID and social security card to the collection agency for verification.
I truly can not understand how a debt can be so easily reported to the credit report bureaus without verifying someone 's social security number, and the credit reporting companies just post that erroneous report which negatively influences my credit score. Now, I have to send my very personal ID and social security information to a credit collection agency that I do not trust.
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| 08/03/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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Recently Enhanced Recovery CO L, flagged my credit report with a collection on a debt that was paid off years ago ( the original debt with was XXXX and I'm still with XXXX ) with the original creditor.
When Enhanced Recovery began trying to collect for this discharged and settled debt, I informed them that before I'd pay anything I'd need to receive a verification of debt via mail.
They never verified the debt and are wrongfully flagging my XXXX credit report to collect on money the original creditor was paid for. Of course when I touch base with the original creditor they tell me the debt 's been satisfied and that Enhanced Recovery has been informed of this ; of course Enhanced Recovery CO L has no idea of this and insist that they're owed money as they " bought the debt. '' Even more disappointing, these " collection '' specialist can not be reached when you try to call them on the contact number they provided ; how can a XXXX dollar collection agency not provide a working number or accurate contact information?
This is a racket, buying solvent and nonsolvent debts and flagging people 's credit for debt that isn't owed. XXXX and Enhanced Recovery should be ashamed of themselves ; shady practices across the board. Please flag Enhanced Recovery for these practices and hold them accountable, at the very least can we get them to remove the wrongful collection from my credit report until they and XXXX verify the debt in writing.
Thank you!
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| 03/07/2017 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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In XX/XX/XXXX I was made aware by the IRS that there were XXXX years in which I was a victim of identity theft. This person used my information to collect my tax returns for those XXXX years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness.
This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the XXXX disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX.
To date I have only received the copy of a bill from this company. In XX/XX/XXXX, I noticed due to lack of their proof they did remove this debt.
However, on XX/XX/XXXX, I was made aware that a new company, Enhanced Recovery Company had submitted collection activity on my account in the same amount as the unverifiable debt which was previously removed from my report by XXXX.
To make matters even worse, this company did not notify me nor give me an opportunity to dispute this debt with them, which is a direct violation of my rights under the FCRA. I have tried to reach out to them, but have not received a response and address information provided for them has returned as undeliverable.
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| 03/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This collection agency has consistently & repeatedly, numerous times over numerous accounts, reported erroneously information ( Known in the industry as " skip / trace '' errors ) which in some manner they have mistakenly attached to me as the account owner and debtor. This erroneous data has been reported to all three of the major credit reporting bureaus : XXXX, XXXX & XXXX beginning XXXX XXXX - XXXX XXXX on XXXX separate accounts ( Reference # XXXX - {$1000.00} / # XXXX - {$350.00} / # XXXX - {$130.00} ) all associated with XXXX, a cell phone provider I have never had an account relationship with.
Enhanced Recovery Collections of XXXX, Florida has been contacted in each instance, yet continued to make the same error on new accounts. In all cases my SSI # was not initially associated with the account, the XXXX accounts records contained faulty street addresses in states I have never lived and in a number of cases not even my legal name was on the account. ERC is making these record alterations - additions ( Skip / trace errors ) themselves, but blames other organizations ( XXXX - XXXX ) as the responsible party. Regardless they are the one 's reporting the data in error to the credit bureaus. They are aware of the problem and failed to fix it.
This agency seems to utilize its credit bureau reporting capability in a " predatory fashion '' in order to pressure and collect from anyone they have erroneously associated with an account in default.
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| 07/13/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I contacted ( 2 ) collections agents XXXX, XXXX and ERC who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent.
XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 ) reporting bureaus XXXX ; XXXX XXXX and XXXX by certified mail and enclosed copies of the letter sent to XXXX, XXXX and ERC ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.
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| 08/15/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.
|
| 10/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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My wife, XXXX XXXX XXXX, received a phone call on XXXX XXXX, 2015 from E.R.C using a phone number of XXXX. They started asking her all kinds of questions so she called me and I called the company back at XXXX. They said that their conversations were being recorded and that they were an XXXX company. I tried to find out what this was all about but they would not talk to me. I told my wife to call them back and give them permission to talk to me.
After several phone calls back and forth it was determined they had the wrong person. I called and told them to delete my wife 's phone number and XXXX from their records or I would file a complaint.
Yesterday, my wife had an incoming call from XXXX but she did not answer the call.
This morning, XXXX/XXXX/2015, I received a call from XXXX wanting to speak to XXXX XXXX. I told them they had the wrong person and I gave them the last XXXX of my wife 's SSN and she said it did not match their records. The female then wanted me to give them my wife 's DOB which I refused to do. I then called them back and asked to speak to a supervisor. The supervisor, XXXX XXXX said the company was Enhanced Resource XXXX of XXXX XXXX XXXX, XXXX, Florida. I told him to stop calling us and to remove both numbers from his list and that I was going to file a complaint.
After I got off the phone with him, my wife told me they attempted to call her again yesterday.
I want to file a complaint so they will stop harassing us.
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| 01/12/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX # XXXX****The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX .
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXXis held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
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| 04/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Enhanced Recovery Company Alleged Amount owed {$78.00} Account XXXX Original Creditor : 11 XXXX XXXX Original Creditor Information Enhanced Recovery Company XXXX XXXX XXXX XXXX, FL XXXX XXXX Enhanced Recovery Company executed continuous collection calls against me. Spoke with company in XX/XX/2020. I explained 1 ) their company information regarding me was incorrect 2 ) I do not owe money to Enhanced Recovery Company and 3 ) Please stop all phone calls immediately. Enhanced Recovery Company continued with its numerous collection calls. Days later, I filed a disputed with Credit Reporting Agency. Enhanced Recovery Company conducted an investigation. Investigation appeared to have concluded Enhanced Recovery Company was indeed reporting erroneous information. Enhanced Recovery Company supposedly removed their erroneous information from the credit reporting bureaus. However, Enhanced Recovery Company did not remove their erroneous information from all credit reporting bureaus ( this information was deleted from Experian but continues to be be erroneously reported to XXXX ). As Enhanced Recovery Company 's erroneous information continues to appear and or reappear on my credit report, I continue to suffer damages due to Enhanced Recovery Company continued and erroneous reporting. My credit score is lowered because of Company 's erroneous credit reporting and I have been denied credit due to Enhanced Recovery Companys ongoing erroneous reporting.
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| 06/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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This is a complaint from XXXX XXXX against ERC for ERCs failure to provide requested information for the debt alleged. On XX/XX/2018, Consumer, XXXX, received a demand letter from creditor, ERC, to which consumer ( through legal counsel ) responded on XX/XX/2018 with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
On XX/XX/2018, ERC responded with only statements from the original account. Another letter was sent on XX/XX/18, again asking for proper documentation to show ownership of the account by ERC, a third party collector. It has now been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt XXXX to act in good faith and refrain from unfair deceptive or abusive acts.
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| 01/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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CFPB + ERC, In a recent check of my mail I see there is a collection account from ERC saying I owe a debt that I do not recognize.
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account.
You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof.
I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies.
Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address Your mailed letter This letter
|
| 02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX / OVER, Has a charge-off listed under my name on my Credit Report and this was reported as Identity theft. I never gave authorization for usage and when me and my seen this error on my report we contacted them to remove/ correct the error.
First they told me payments were being made so don't worry about. I told them I don't care if payments are being made It is not my account. This all started around XX/XX/XXXX.
Instead they asked me several questions that they did not have answers to on the phone and when I gave it to them they stated that the information that I provided to them they will now use it to indicate I was the user of the account Altough it is a charge off I am a Retired XXXX Veteran and I take my credit seriously and this company should not be allowed to create undue stress and manipulate consumers.
Enhanced Recovery- Has a collection on my Report for {$280.00} for XXXX and I have never used XXXX services. I have told them that this is IDentity Fraud and that this should not be reported as my account.
XXXX XXXX XXXX is falsely reporting that I had a collection for {$320.00}. I sold my House in KY in XXXX of XXXX and settled my outstanding balance with KY Utilities. The reprensentative at XXXX did not change the name or cut off the utility and I had to pay the debt. I paid it but it is appearing on my report as a collection which is NOT accurate.
Any assistance will be of great help. Thanks in advance!
|
| 06/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Hi, I was alerted that an item had been added to my Credit Report upon checking this it seems the original creditor is XXXX. I have over the pass 10+ years received collections letters from other collections agencies and had this erroneous debt promptly removed. I have disputed the debt with the present Enhanced Recovery Systems ( ERC ) and XXXX.
I have requested the aforementioned item be removed from my Credit and XXXX has stated that the creditor provided them with information confirming that the debt was valid none of which has been supplied to me by either XXXX or ERC. I requested the following : In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? The date of service and services rendered.
b ) How this amount has been calculated in a way I can understand.
c ) Copies of the papers where I agreed to pay what you say I owe.
d ) A copy of the judgment if applicable.
e ) The name of the original creditor.
f ) Demonstrate that you are licensed in my state, and provide this license number to me.
The dates on the entry are not possible, I have not been a XXXX subscriber in more than 2 years. The date of their debt is posted on my credit report by ERC as XX/XX/2019. The XXXX account at my request was noted by their CSR Representative.
Please advise?
Thanks
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| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Notice for Proof of Claim Account : ENHANCED RECOVERY COMPANY # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
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| 06/14/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
XX/XX/XXXX XXXX CST, I was contacted by ERC , a debt collector, regarding an account of my mother 's. On the caller ID, my mother 's phone number showed up and I believed it to be my mother when a representative of this company introduced herself. She informed me she had my mother 's permission to speak with me and gave me the debt amount of {$150.00} on behalf of XXXX XXXX. I informed her my mother 's phone number showed on caller ID instead of her company which she didn't deny or admit that her company was using spoofing tactics which are illegal. She gave me the company phone number of XXXX and call reference # XXXX.
The document attached is from my phone bill that proves a call was made at the time given from XXXX which is my mother 's phone number and not ERC who actually called me at that time thus proving they spoofed my mother 's phone number.
The next day, XX/XX/XXXX, this company spoofed my phone number and called my mother into tricking her to answer. I do not have access to my mother 's account to provide documentation on this.
I am aware companies may have a different phone number of their company show on caller ID but misrepresenting who they are by spoofing individuals ' phone numbers to trick the person into answering their call is an illegal tactic. This company has done it at least twice with my mother 's account, with multiple phone numbers, proving this is a regular illegal tactic this company is utilizing.
|
| 02/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am a victim of Identity Theft. The account XXXX listed on my consumer credit reports in the amount of {$98.00} is fraudulent and is a result of Identity Theft. This account has no association to me as I never had a XXXX account and this is a direct result of Identity Theft. Furthermore, Enhanced Resource Centers ( ERC ) has failed to verify the debt and follow the debt collection policies under the Federal Law Fair Debt Collection Practices Act ( FDCPA ). This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Under the Fair Credit Reporting Act ( FCRA ) and the Federal Law Fair Debt Collection Practices Act ( FDCPA ), Enhanced Resource Centers ( ERC ), you are required by State and Federal laws to cease all debt collection, and remove this fraudulent account from my consumer credit report. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
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| 03/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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There are 3 companies involved : 1 ) XXXX XXXX XXXX, 2 ) ERC ( phone # XXXX ), and 3 ) XXXX. This involves XXXX XXXX XXXX account # XXXX.
I have previously had my identity stolen, filed a police report, and successfully had several fraudulent XXXX accounts opened at various addresses in the XXXX area expunged.
XXXX initially contacted me in XX/XX/2017 about an XXXX XXXX XXXX account that was opened in my name, providing service to an address that I have never lived at. I told them it was fraud, gave them a copy of the police report, and sent me a " fraud packet '' which I was to mail back to XXXX XXXX XXXX ( I did ). Simultenously, I disputed all of the debts with all 3 of the credit reporting agencies, and all 3 of the XXXX XXXX XXXX debt from my credit history.
I have never heard back from XXXX XXXX XXXX since then.
However, today I received a new debt collection letter from " ERC, '' who had the same account assigned to them from XXXX XXXX XXXX. They stated they would re-file the debt with the credit reporting agencies in XXXX, despite me previously having sent my " fraud packet '' to XXXX XXXX XXXX and successfully disputing the account as fraud with the reporting agencies.
This is getting tiring. Can you please contact the involved parties and make them stop? In addition to these letters, I still get daily debt collection cold calls that haven't gone away since XXXX first contacted me.
Thank you for your help.
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| 11/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I reached out to XXXX on XX/XX/XXXX to inquire about removing an old account from my credit profile. After speaking with the representative via chat, and advising they had this account with a balance due to equipment they failed to accept when I attempted to return. The representative advised they could credit my account for the equipment and would remove from collections. I was advised to wait XXXX weeks. On XX/XX/XXXX, I chatted with another representative to confirm account status. During that chat I specifically asked if they were pulling the credit account from Enhanced Recovery Collections, that representative advised yes and to continue to wait the time period provided. After the XXXX weeks advised passed, I reached out to Enhanced Recovery Collections to inquire if they received notification to remove from my credit profile, they did not have any note on file from XXXX. This interaction occurred on XX/XX/XXXX. After call with collection agency, I went back to chat with XXXX during this conversation he advised no note was placed on my account, and agent was not able to locate information and advised they could not assist. We had the same issue with my husband on they pulled his account from the same collection agency within a week. I have attached copies of chat transcripts and chat IDs to this case along with proof, with approval from my spouse, a copy of his report showing they do in-fact delete from the credit profile.
|
| 07/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XXXX/XXXX/17 I spoke with several reps within the company in told me several different stories, I was desperate to get the report off my credit & ERC advised me in XXXX that I would have to pay to have it removed. I sent a letter requesting if I paid the debt I was n't admitting I owned the debt but that I wanted it removed quickly. When I called today I was advised the fraudulent charges would not be removed and that even if I made payment they would still report on my credit profile. I was then referred to the Office of Presidency and was told to request for my letter of deletion. I spoke with, XXXX XXXX - supervisor and Rep XXXX XXXX. When I called this department I was sent to a voicemail. I then called ERC back and spoke with XXXX washington - he advised me that the account was in fraud status and that they were not going to delete the account. When I asked him what the department of presidency did he placed me on hold without any notification and XXXX XXXX - supervisor said the account when into dispute in XXXX of 2017 and as of XXXX/XXXX/2017 the account was placed in fraud status and the department of presidency would be able to advise me when the account would be deleted. This company is reporting inaccurate information on my credit profile with out any real proof of me ever owing the debt.
Below I attached information sent, they do n't even have the correct information providing proof the debt is mine and accurate.
|
| 07/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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More than 2 month already passed after you said you sent to my address the proof of validation I requested from you. As today XXXX2018 I haven't received such as proof.
This letter is a formal complaint that I believe your company has violated my rights as a consumer by failing to validate a debt at my request and continuing to report the disputed debt to the CRA. These are clear violations of both the FDCPA and the FCRA.
Not only have you ignored my prior requests for validation of debt. but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -A complete detailed history of all transactions ( including payments, credits, returns, etc ) -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
I expect to receive the proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA.
If you send it, I want tracking number of the mail, or any kind of tracking.
|
| 07/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have been working on my credit and noticed that I had a collection account from ENHDANCED REVOCERY COL. I was unaware of this debt. I also noticed on my credit report that the original creditor is XXXX who no longer exists. Which for one makes me question how could someone owe for a company that no longer exists. I decided to write them a letter certified asking them to validate the debt. They were unresponsive. I then wrote XXXX asking them to validate the debt and it came back verified but no proof as to what I owe and who I owe was sent to the consumer whose credit is being affected by. ACCT # XXXX is the account at hand I am speaking of.
ACCORDING TO 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ACCORDING TO 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
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| 10/15/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved.
Ive received allegations in the mail from ERC claiming I have an obligation to their company due to an unpaid balance from XXXX.
Pursuant to 15 USC 1692g ( a ) Enhanced Recovery Company has failed to validate this debt and/or allow me to validate this debt.
Enhanced recovery has no first hand knowledge of any transaction between XXXX and I, the consumer.
Pursuant to 15 USC 1602 ( p ) XXXX is in violation of 15 USC 1602 ( p ) as no authorization or written consent was given to XXXX for the conveying of private information about i the consumer to enhanced Recovery Company.
Enhanced Recovery Company does not have and can not provide an original contract between ERC and myself the consumer pursuant to 15 usc 1692a ( 3 ).
Enhanced Recovery Company is in violation of 15 USC 1602 ( p ) for unauthorized use of my credit card which is also attached in Exhibit A.
ERC has reported on my credit standing which has caused me great hardships as the FDCPA is intended to secure my privacy.
XXXX as the FCRA 15 USC 1681b ( a ) ( 2 ) Enhanced Recovery Company has no written consent from I, the consumer to furnish anything and place it on my consumer report this is a violation.
As of XX/XX/2021 signed for and received by ERC with the signatures of a representative XXXX via green return receipt which indicates proof of receiving notice.
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| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt they are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to either of my letters, by providing the required proof.
Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
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| 03/09/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I previously had phone service with XXXX XXXX. My bill was set up on auto-pay and was taken directly from my account each month. I switched phone carriers, which resulted in a final bill, which was paid automatically on XX/XX/XXXX. I have attached documentation to reflect this information ( my XXXX account was under a previous last name of mine ).
For some reason, XXXX has repeatedly placed the amount for this final bill ( {$1000.00} ) with multiple third party collection agencies/attorney firms. I have disputed this several times and have even received confirmation that the dispute was closed in my favor. I requested a full validation of debt from the last agency that contacted me in regards to this. I received that validation of debt documentation on XX/XX/XXXX. This documentation clearly shows my final bill and the corresponding payment, reflecting a XXXX balance owed. Not only is this causing unnecessary stress, it is now negatively impacting me. I was recently denied credit because this is reflecting on my credit report and I also had to accept a car loan with a much higher interest rate than I feel I would have qualified for. I responsibly pay all of my bills through auto-pay because I care very much about my credit rating. I am very upset that this is impacting me so negatively and I was actually really embarrassed during the car buying process when this came up. I do not know what I need to do to get it resolved.
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| 02/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I HEREBY DECLARE MY INTENT TO SUE.
Despite my previous mail correspondence, your institution has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California XXXX. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution.
INCORRECT TRADELINES : 1. Enhanced Recovery Company ( ERC ) -- -Ac # XXXX # XXXX ... This item is inaccurate because the creditor nor ERC furnished proof that this debt is mine. I am requesting that the item be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report.
I intend to file a suit against Enhanced Recovery Company and XXXX XXXX XXXX in small claims for removal of erroneous information on my credit report. In your investigation, I respectfully request that you forward to me a description of the procedure used to determine the completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.
I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX.
Sincerely, XXXX XXXX
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| 04/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have been monitoring my credit weekly for 2 years now and have discovered that ERC, a third-party debt buyer, has reported a {$59.00} derogatory collection on my credit reports. I was never given any notice of the debt due ... never given a chance to dispute the issue within the 30 day period, which is required by law and a violation of my consumer rights under the FCRA.
I am writing to obtain validation that the company has a right to collect this money from me. Thus, ERC indicates that XXXX XXXX is the original creditor ; however, I never owed XXXX XXXX any money. When I moved from XXXX, I returned the equipment to the XXXX office and paid the amount that XXXX XXXX said that I owed to close the account and pay the balance in full. This was done in XXXX 2015. Furthermore, around XXXX 2015, I received a 'refund ' from XXXX XXXX of {$44.00}.
Again, I need validation of this debt from ERC. What was the original amount of the debt? What was the original account number and date of original debt? MORE IMPORTANTLY, please tell me why you believe that you have a right to collect this debt? Please provide verification and " documentation '' that there is a valid basis for claiming that I am required to pay the debt to this current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Also, a copy of the last billing statement from the original creditor is required.
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| 06/26/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I already submitted a complaint with CFPB - Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 I could not view the response from ERC ( enhanced recovery company ) as CFPB has issues with passwords. The response was read to me from a CFPB employee. ERC states that : ( 1 ) the debt from XXXX is not owned by them. ( 2 ) they are acting on behalf of the customer - XXXX XXXX ( 3 ) they have put actions on hold until verification of account I contacted XXXX and have confirmed again that : ( 1 ) the account was in error. I had one account that I paid on. The other was made in error but had been already placed in collections AND that they SOLD the rights to the debt to ERC ( ERC claimed that they did not own the debt rights ) XXXX is also in a law suit right now in Idaho for creating accounts to consumers without the consumers knowledge or consent. ( 2 ) XXXX confirmed that they SOLD the rights to the debt to ERC. ERC is NOT acting on behalf of XXXX. ( 3 ) Immediately upon hearing from CFPB, ERC added another Collections hit to XXXX. ERC has been putting multiple hits to my credit reports, changing amounts and originators. They have lied when replying to the CFPB complaint. They DO own the debt rights, are NOT acting on behalf of XXXX and are not putting report on hold until they investigate and verify the information. I DO NOT OWN THE ACCOUNT THEY ARE TRYING TO COLLECT ON.
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| 08/02/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Around XXXX on XX/XX/XXXX I contacted Enhanced Recovery Co LLC to inquire about a debt I owed them. I specifically asked if the amount could be settled for less and paid to be deleted from my credit report. I was told if I settled the account for {$590.00}, the account would be considered " settled for less than full amount '' and I was told that the collection would be removed from my credit report within " 24 hours to 45 days ''. I repeated my question and was ensured that the collection would be removed from my credit report if I paid. I agreed and paid the {$590.00}. Payment was taken out of bank account XX/XX/2022.
Saturday XX/XX/XXXX, I called and requested a paid confirmation letter, which I was emailed.
Monday XX/XX/XXXX at XXXXXXXX XXXX, collection is not removed from my credit report. I called Enhanced Recovery to ask for an estimated date of when collection would be removed from my credit report and was informed that even though I paid off the collection, they would not be removing the collection. I informed the staff member on the phone that I was told by their company that the collection would be removed if I paid, and she told me " enhanced recovery will not delete collections from credit reports ''.
Enhanced Recovery misrepresented themselves in telling me they would remove the collection after payment is successfully processed, and then refusing to remove collection after receiving payment.
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| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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On XXXX XXXX, 2015 I submitted a complaint through your office against Enhanced Recovery LLC for a collection of a XXXX account placed in my credit record under the name of XXXX XXXX in an address in North Carolina ( See CFPB Case number XXXX and XXXX ). Enhanced Recovery LLC responded the dispute on XXXX XXXX 2015 alleging:1 ) Investigation of my dispute was been completed2 ) that my social security was associated with the account and that cable services were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ( I have never been in North Carolina ) 3 ) that the account with Enhanced Recovery has been closed due to my dispute4 ) that a deletion request to ALL reporting agencies was submitted.
However, as of today, Enhanced Recovery LLC has not been able to provide me with evidence such as copies of contracts or documents confirming that I contracted with XXXX in North Carolina. Also, I never received any letter stating that an investigation of my dispute was completed.
In addition, Enhanced Recovery LLC never closed my account. As of today, a collection report remains in my credit record.
I request Enhanced Recovery LLC to validate this alleged debt by providing evidence, such as contract or any document with my signature proving that I contract services with XXXX in North Carolina. Also I further request this collection company to contact all XXXX credit agencies and inform I am disputing this debt.
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| 07/25/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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After careful consideration your firm that you represent " Enhanced Recovery Group has been practicing illegal credit acts.
Debt collectors aren't supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so.
By coercing me to pay on an extension of credit. This is a violation of 18 USC 894.
First thing, You do not have any lawful right to be in possession of my identifying information.
Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).
Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.
Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.
Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.
The last thing Enhanced Recovery Group need to understand this is also aggravated identity theft 18 USC 1028A
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| 01/19/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, a new collections account was report to XXXX and XXXX by Enhanced Recovery Company ( ERC ) showing a delinquent amount of {$640.00}. The original creditor is XXXX XXXX. I have no knowledge of this account and have never had any accounts with XXXX in my name. The date ERC is reporting the account to have been open is XX/XX/XXXX. However, XXXX has disclosed that the item reported indicates the account was opened in XXXX. From XX/XX/XXXX - XX/XX/XXXX we had an account with XXXX XXXX ( now XXXX ), which was I my husbands name. We moved to Florida in XX/XX/XXXX and now have an account with XXXX. Therefore, no such account with XXXX could have been opened in my name during XXXX.
I have never received a bill or any other written communication pertaining to this account and was very surprised to see it mysteriously show up on my credit at the same time that Im in the process of obtaining a new home loan. This derogatory mark on my credit could result in the loan being denied.
I have not contacted ERC, as they have not initiated any sort of communication with me. ERC is known for their unethical collections practices and for violations of the Fair Credit Reporting Act. I feel they have placed this erroneous debt on my credit and will not remove it, regardless of whether or not I pay then in full. They have essentially hijacked my credit unjustly just as I am in the process of getting an FHA home loan.
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| 10/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received a letter from a Enhanced Recovery Corp, a collection agency last spring for a debt for XXXX cell phone service. This is not my debt-I do not even have a XXXX cell phone account. After contacting Enhanced Recovery several times, as well as XXXX, I found out that the account holder is another man with the same name as mine ( which is a " common '' name according to an Enhanced Recovery representative ), but he has a different address ( his address is in Texas and I have lived in NC all my life ) and a different date of birth. In addition, the XXXX representative told me that there is not a social security number associated with the debt. I sent a certified letter to Enhanced Recovery saying that this was not my debt and they were contacting the wrong person. Thus, I thought this problem was resolved a few weeks ago, but now I see that Enhanced Recovery has submitted a complaint on my credit report. I do not know how this is possible if the date of birth for the account holder is different and they have no social security number. So to be clear, it does not seem like anyone has stolen my identity. Rather, Enhanced Recovery has limited ( and erroneous ) identity information on this debt and yet still continues to try to collect this debt from me. There are no other problems on my otherwise stellar credit history. This complaint from Enhanced Recovery on my credit dropped my score from over XXXX to XXXX.
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| 06/01/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 1. XXXX XXXX XXXX, Original creditor : XXXX XXXX, {$94.00} 2. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$3500.00} 3. ENHANCED RECOVERY CO L, Original creditor : XXXX XXXX, {$110.00} 4. ENHANCED RECOVERY CO L, Original creditor : XXXX, {$240.00} XXXX. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$66000.00} 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX MD, {$480.00} To repeat, these transactions occurred without my permission. I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601. As previously stated, I did not originate these debts. Reporting is voluntary not mandatory. Not ONE law says anything has to be reported. In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.
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| 09/14/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Delete Collections from Enhanced Recovery Co L from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Best Regards, XXXX XXXX
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| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This company has reported A A debt to my credit report for A debt that says XXXX. I have never had sevices with this company nor their affiliated company. I sent A written request asking for validation of this debt showing I owed the debt and was never responded to. Instead the company reported this inaccurate information to my credit reports refusing to validate the debt as I requested in writting. There has been no dunning letter at all! FDCPA section 809 ( a ) requires that a debt collector send a written notice containing certain information about the debt and actions the consumer may take in response to a consumer within five days of the initial communication. I was NEVER notified of such debt, I have NEVER had an account with this company nor their affiliated company XXXX. I attempted to see if this company was bonded in Texas to collect since it comws across as A scam. Federal laws protect me from these type of collectors and they have broken several laws by KNOWINGLY reporting false information. When I wrote the letter I advised the cpamy I WAS NOT ASKING FOR A BILL STATEMENT BUT A CONTRACTUAL AGREEMENT SHOWING I XXXXXXXX XXXX HAD THIS SERVICE IN MY NAME! The company REFUSED to provide such validation and instead slapped it on my report. I'm filing the complaint to have A paper trail because next step is an attorney for this fraudulent company reporting information that is inaccurate on my report.
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| 04/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX XXXX, Ga XXXX XXXX MAIL, RETURN RECEIPT REQUESTEDNO. XXXX CollectionEnhanced Recovery Company LLCXXXX XXXX, FL XXXX : XXXX or XXXX account # XXXX Dear XXXX : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act.
I am disputing this debt because I do not owe it. Rather XXXX owed me a refund. Furthermore, Please refer to my certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX under article # XXXX XXXX XXXX XXXX XXXX and XXXX certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX which XXXX failed to response and resolve the matter on timely manner.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 05/03/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was notified of an alleged debt that Enhanced Recovery Company say I owed I reached out to them and informed them that the alleged debt that they choose to report it unlawfully being reported this alleged debt was a repeat that I once disputed and and it was removed.. the original company XXXX did not have permissible purpose by law to report sell or furnish any of my private information to any third party agency by it being an collection the debt has been cancelled debt and now IRS looks at it as gross income and income is not apart of one consumer report, Cornell Law 15 USC 1681A ( 2 ) ( a ) ( i ) *Transations are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So this alleged debt that you are reporting is illegal and goes against Consumer Law, According to XXXX XXXX XXXX, they are not licensed to collect any alleged debts period in the state of Florida. This alleged debt is a repeat from another collection company and illegally being reported on my consumer report I notified them of this inaccurate information they are choosing to report and hope now you can step in to help matters more properly. I attached my dispute below
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| 11/26/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX claims I owe more than {$150.00} for a router I had returned. ( XXXX XXXX XXXX XXXX XXXX acct. # XXXX final bill shows I am due a small credit ). Also erroneous reporting to credit bureaus has negatively impacted my credit scores and XXXX XXXX XXXX has turned the account over to collection agencies.
Establishing a XXXX account with XXXX XXXX XXXX was for internet services from XX/XX/XXXX XXXX XX/XX/XXXX, and the contract was for {$44.00} per month discounted as I had previously purchased a XXXX router. Shortly afterward the router failed while under warranty and it was replaced. I sent the defective unit to XXXX XXXX XXXX per their directions and it was received by XXXX XXXX XXXX on XX/XX/XXXX. During the following months calling the XXXX XXXX XXXX XXXX department ( from XX/XX/XXXX XXXX XX/XX/XXXX ), they had to make an adjustment of {$7.00} overcharge from {$52.00} to {$44.00} each month as I was not renting a router. In spite of talking to their rep and providing the UPS tracking number, at the end of the contract period XXXX XXXX XXXX still claims I owe {$150.00} for a router I had already returned. Attached are confirmations of the equipment sent and acknowledgment from XXXX XXXX XXXX of receiving the equipment. However, due to XXXX XXXX XXXX actions the major credit bureaus have lowered my credit score and XXXX XXXX XXXX has forwarded the erroneous information to collection agencies.
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| 09/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I reached out to Enhanced Recovery Corporation regarding an account ( # XXXX ) that has information attached and requested validation for the reported debt. This account was reported to all three credit bureaus ; however, it is now solely reported to XXXX. In the attempt of having the company remove this account due to their inability to provide validation of me owing this company, they have constantly sent a bill from XXXX with my name on it which is against the law according to the FDCPA ( 809. Validation of debts [ 15 USC 1692g ] ( c ) ). I have asked for documentation containing my signature stating that I owe Enhanced Recovery Corporation and they are not cooperating.
Here 's a time line of my communication in the efforts to rectify this matter : XX/XX/XXXX : First letter sent to ERC XX/XX/XXXX - XX/XX/XXXX : Account removed from both XXXX & XXXX report XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00}
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| 03/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received a letter from ENHANCED RECOVERY COMPANY in XX/XX/2017 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. They never responded.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the account listed within 15 days of receipt of this then you must remove this account from my credit report.
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| 06/01/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX I received a notification from my credit monitoring system that a new collection has been reported by Enhanced Recovery Collections for a XXXX XXXX XXXX account. I was immediately upset about this. I immediately called them and attempted to resolve the account. My conversation with the Enhanced Recovery agent informed me that this account was for an old account from XXXX, and that they had received the assignment in XXXX of XXXX. I informed the agent that I was upset that I had not received any written notifications about this account BEFORE it was placed on my credit report. I was clear that should I have received the written notification that I would of paid it on the spot. The agent informed me that they had not been able to mail anything out to me to inform me of the collection due to the fact that they received the account right as the Covid 19 Pandemic was declared. I was appalled that they refuse to delete this account from my credit report even after they admit they were not able to properly send out a first dunning notice to me as prescribed by Federal and State Debt Collection laws.
I tried another phone call and tried to again give them a payment in full but they again would not want to commit to removing this from my credit report. I opted to visit my local XXXX XXXX office and pay it in person. This account has been paid in full and I demand a removal from my credit report.
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| 04/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do this!!??
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| 12/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
|
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Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.
Enhanced Recovery Co LLC had placed this negative items on my credit reports without notifying me. I would like Enhanced Recovery Co LLC to provide a copy of the document for which they had notified me by mail that was addressed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX before this negative mark was placed on my credit reports. Should this time sensitive document not be available, the trade line should be immediately deleted off the CRA. Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.
Lastly, it is disturbing that Enhanced Recovery Co LLC, placed this negative mark on my credit reports without notifying me by mail of my rights while I was disputing with XXXX in referrence to the same XXXX bill for {$1200.00}.
XXXX collection company can not be collecting for the same debt, which it is in this case.
I have enclosed copy of the document I received from XXXX dated XXXX/XXXX/2015, and Enhanced Recovery Co, LLC on my partial XXXX report dated XXXX/XXXX/2015 with Enhanced Recovery Co, LLC Date open XX/XX/2015.
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| 03/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Back in XXXX I had a revolving debt from XXXX XXXX XXXX XXXX to which the balance was about {$1200.00} at the time and went to collections. Discussing it with the Collection Agency at the time we had resolved it with a settlement of about {$880.00} to rid of the account and have it off of my credit report. After 3 years I was recently hit with a surprise on my credit report that this account is still in a collection status and is {$1700.00} and has been revolving with about XXXX different collection agencies. What I found very odd to this situation though is Ive never gotten a notice through my mailing address and when the collector sent me a link with this balance I noticed they have a different mailing address. I tried disputing it but they disregarded it since it was associated with my social security number. I clarified that Im not denying ever having this account but it was paid with the collection agency at the time. I tried finding emails in reference to help my case but its been 3 years and I wasnt expecting to hold records for something that was suppose to be said and done. Tried reaching out to the bank institution that I was with at the time to go through billing statements but it comes with a large fee to get access and Im not in a position to spend that type of money so frivolously. My back is cornered and need help resolving this because this is effecting my life goals at the moment
|
| 12/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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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.
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| 04/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Older American |
|
I was contacted on XX/XX/XXXX at approx XXXX from a spoofed number. I asked the person calling what the purpose of the call was and who was calling. the gentleman told me that he had all of my information and needed to confirm my identity. I asked several times for the name of the company and why he was calling from a spoofed number. he finally identified the company as ERC but did not state the purpose of the call, instead repeating that he had all of my contact information. He asked if I still lived at an address I sold over 25 years ago and I told him that I did not live there any longer but assumed that he was calling about a debt. I told him that I dispute any debt associated with that address since I rented out my home for a few years before I sold it.
I repeated that I would like to know what company he was calling about and when he would not answer I told him to mail me a statement and not call again. It is a supposed debt from XXXX cell phones which I dropped as a carrier 2 years ago. I have disputed this claim for 2 years, I paid off any debt so that I could unlock my phones when I changed carriers. I called and asked for my final bill and paid it in XX/XX/XXXX or XXXX i do not owe XXXX any amount since the call I have received numerous calls from more spoofed numbers and a few emails from ERC. I would like them to stop using spoofed numbers and a clear called ID which they do not use.
|
| 04/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I received a collection notice from ERC dated XXXX XXXX XXXX for a XXXX account that is not mine. The collection notice is from XXXX account number XXXX . I mailed ERC a debt validation on XXXX XXXX requesting for them to tell me what I owe the bill for, how they calculated what I owe, to send me copies of any documentation that stated I agreed to pay what they say I owe, to give me copies containing my signature, their XXXX license number, and to cease all contact with me until they sent me the above documentation. I disputed the validity of this debt and still have not received any information from ERC regarding this account. ERC also contacted me on XXXX XXXX after they received my letter stating for them to not contact me. According to FCRA 1692g ( b ) If the consumer notified the debt collector in writing within the 30 day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ERC has not done this. ERC has violated the FCRA by not validating the debt as well as attempting to contact me by phone after receipt of my letter stating for them to cease contact unless provided with the information stated above.
|
| 05/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
XXXX has not sent me any information regarding this debt. It was sent to Enhanced Recovery Collections with a balance that is not correct. The balance is over {$300.00} and this is not the correct balance that was left off when leaving XXXX . I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( secti on 1692g ). Arizon a State regulations require all debt collectors to send specific written documentation verifying the debt. Please provide : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt amount and I do not owe any money to this creditor referenced of termination fee. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting inf ormation that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
|
| 07/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Enhanced Recovery Company collection for XXXX XXXX XXXX in the amount of {$100.00}. This account is years old. It was settled. It popped up on my credit report sometime after it was paid. I disputed it when I become aware of it and sent paperwork to confirm to XXXX. It was removed from my credit report for a period of time. I became aware that it was added back again when applying for credit and being denied. I again disputed and asked for dates, and payment history, which I never received. I have not received notice directly from Enhanced Recovery Company, it only keeps popping up on and off on my credit. It shows on my credit as if it was placed in collections on XX/XX/2018, even though I haven't had XXXX XXXX in more than 3 years, it was initially disputed prior to XX/XX/2018 and readded. The only other explanation is someone else fraudulently used my name because I have not had XXXX in years for any services. I have now been denied credit twice before of this false reporting. It is harassment. I have 24 credit accounts in excellent standing with credits of up to {$20000.00}. This one false negative reporting for {$100.00} has stopped me from getting credit. Enhanced Recovery Company placing this on my credit report without sending me notifications through mail, without providing an account history, it being removed more than once after being disputed to only show up again is harassment.
|
| 02/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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We had XXXX XXXX as our internet service provider at our prior address. About three years ago we moved to our current address. When we moved we called XXXX to change our service to our new address which they did. We immediately began receiving invoices at our new address which have been paid on time. What I did not know or understand is that the XXXX representative created a new account for our new address. To make matters worse they never changed the address on our old account to our new address so I did not receive the remaining invoice from our old account. From my perspective it was a seamless billing process since I didn't notice the account number change. As a result I now have a collections account for {$93.00} from XXXX XXXX and their 3rd party collections agent Enhanced Recovery Company for {$93.00} on my credit. I can only assume this happens quite often since it is their practice to open a new account when the service address changes. It would seem to me if XXXX was trying to be responsible partner with their customers the first thing their internal collections team would do is cross reference a collections account with current customer accounts and see if their is an open account. This would be a clue to change the address on the old account and invoice the customer at the new address. I guess it is too easy to just send it out to a 3rd party and damage their customers credit.
|
| 04/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
|
|
I was a fraud victim from someone who opened up a XXXX account with my name and social. I filed a police report and was advised at that time not to send any more personal information to them. The cop went to comcast in person and told them I had submitted proof to him that it was not me. They refuse to take the charge off my account. I contacted them later and they said they could n't do it bc I needed to file a report on the FTC website. So I did. They still wo n't take it off. Now I can not get anyone on the phone with XXXX. They keep giving me the run around and have told me TWICE that the fraud dept. will contact me in 72 hours and they have not. I am not 100 % sure of my rights, but if a cop says that I have already proven my innocence, can they still demand more paperwork? Since when should I obey a XXXX rep over the POLICE? I am to the point of backing down to get it over with. I have my proof of residency ready to email, but I ca n't get anyone to give me an email to send it to. XXXX when I tried to call, they just transferred me to the FTC and hung up. We were both confused as to why we were even on the phone with each other. I do not have a problem with the collection agency because they have removed it twice already with no hesitation. However, XXXX every so often sends it back to the collection agency all over again. I really need help getting XXXX to clear my name. Thank You!
|
| 10/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
|
On XXXX XXXX, 2015, I wrote a letter to Enhanced Recovery requesting that the debt they say I owe be validated ; not disputed, but validated. I asked that their office provide me with competent evidence that I have any legal obligation to pay them. I requested that they send me the following items : What the money you say I owe is for ; provide a detailed list of any and all services or goods purchased and a line by line itemization of charges.
Explain and show me how you calculated what you say I owe.
Provide me with copies of any papers that show I agreed to pay what you say I owe.
Provide a verification or copy of any judgment if applicable.
Identify the original creditor.
Prove the statute of limitations has not expired on this account.
Show me that you are licensed to collect in my state.
Provide me with your license numbers and registered agent.
I demanded that they send me a deletion letter immediately if they could not provide me with competent evidence that I have any legal obligation to pay.
Enhanced Recovery did not send me anything but a balance amount and a dispute letter. This is not what I requested from their company. If they can not validate this debt with evidence, I demand that this debt be removed from my credit report and a deletion letter be sent to me immediately.
I have attached a copy of my letter I sent and a copy of their letter in response to me.
|
| 01/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I 've never enrolled or paid for services with a Company by the name of XXXX XXXX. All of a sudden there was a collection account on my credit report stating that XXXX XXXX, XXXX I opened up an account with them and then never paid. They 're saying I owe them {$63.00}. I 've tried to contact them and let them know I 've never been a customer or ordered service with them and I have never received any mail correspondence stating that I was a customer and that I had a balance. I have n't received any help from the company or received in anything written in the mail showing that I signed up for service and had a bill. I 've also had an issue with identity theft in the past and went to court with the credit bureaus to rectify the errors. Everything was cleared up in court and it says on my credit report XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have n't applied for anything since then so I do n't know how this could even be possible to be my account. Not only that, but I would have paid {$63.00} if it was owed. So this is why I 'm contacting the cfpb for help.
|
| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. XXXX XXXX XXXX also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( Enhanced Recovery ) and by them! The collections were removed by XXXX on XXXX XXXX, XXXX and was removed by ( ERC ) on XXXX XXXX, XXXX, reinserted and then removed again on XXXX XXXX XXXX.
I request that they verify the following information.
XXXX. Registration/License Number that allows them to collect in the state of Louisiana!
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
|
| 12/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Enhanced Recovery Corp ( XXXX XXXX ). On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ).
When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )
|
| 06/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
This is the 3rd collection agency XXXX has sent this account to for collections. XXXX claims I owe them {$920.00} and I do not. I had an account with XXXX for many years, always paid my bill. When I decided to switch carriers, XXXX tried to convince me to stay. I told them No, because I had too many problems with XXXX. Since my lease of the devices was up with them, I was told they would send me packaging to send the devices back and my account would be fully closed. I waited and called numerous times, over a 5 month period, before they finally sent me their packing to send the devices back. After several months, they claimed they never received the devices. Fortunately, I videoed myself mailing the devices back. I also provided them with the tracking information confirming they had received the devices. They originally said I owed them {$1700.00} and then said I owed them {$900.00}. I am not paying them anything. This attempt to collect money from me is a result of them being angry that I terminated service with them. Perhaps they are sending this to different collection agencies thinking they will get a different response. I am not paying them another dime. Sending this to different agencies continues to have a profound impact on my credit and I'm tired of it. Please tell me what I can do to finally get rid of XXXX. I dont owe them and I am not paying them a dime. Thank you!
|
| 06/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report.The reports shows debt of $ XXXX.To XXXX XXXX.contact Erc collectionsXXXX.I call.onXX/XX/XXXX.Noone can find acct.I say not mine.XXXX ( agent ) says email state Id & ss card to ERCBPO.COM.XX/XX/XXXX XXXX XXXX/o pres.replies : acct.temp closed while we investigate.I gave my address, phone, ssn to XXXX.Address for bill is XXXX XXXX XXXX XXXX.XXXX tx.I never lived there.Ive been in contact with XXXX XXXX, Executive Director XXXX.His asst.Mr.XXXX could not find an acct for me at that address XXXX XXXX XXXX XXXX.He 's mailing me proof & fraud alert.Now XXXX wants me to fill out a " fraud packet '' of notarized paperwork & proof of addresses where I lived at. The bill XXXX & ERC says I owe was XX/XX/XXXX-XX/XX/XXXX.I say I have Ok.State ID since XX/XX/XXXXand voter ID.XXXX.No, they say they want bank statements with addresses & my recent photo id.I gave collection agencyrecent photo id & SSN card.by email.Im feel uncomfortable sending bank statements.I made Identity fraud alerts with the credit reporting agencies.I filed a identity theft report.When Ms XXXX put temp stop on collections I don't owe, it came off my report somehow.but lady at XXXX Fraud dept says if I don't do all that is in XXXX Fraud Packet and get it notarized it will be back on report.I gave my id already.Im XXXX.Im walking up and down hills a mile to the library for a debt I don't owe.
|
| 05/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
|
| 10/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I applied for an apartment in the XXXX XXXX XXXX conn. The credit reporting agencies do not have me down on their credit reporting sites. The apartment complex used a third party to check my credit reports. A debt collector in XXXX. Fla Client Name Date Last Active Orig. Amount Balance XXXX XXXX XXXX XXXX Applicant ) Collection Agency - XX/XX/XXXXCO XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX {$390.00} {$390.00}. The above information is all I got from the rental agent that recieved the debt collectors report that I owe XXXX XXXX XXXX. I do not owe any money to XXXX XXXX XXXX. I spoke to the debt collection agency and they are reporting an eligitimate debt. This of course has caused me great harm both monitary and i 'm currently on XXXX trrying to get a job. After talking to them they were unwilling at first to supply and dated information or a copy of the documents submitted by XXXX XXXX XXXX. Then he provided a false date so that it protects him from reporting and old date obviously. Unless he takes the fraudulently created debt it prevents me from obtaining a place to live. Again all three major credit reporting agencies do not have that debt on their files. otherwise it would have been there if I had owed XXXX XXXX XXXX Money. The debt collection agency is committing fraud and has hurt me financially and has prevented me from abtaining employment i would suspect.
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company ( ERC ) obviously got this item from the last bogus collection agenc y ( XXXX XXXX XXXX ( XXXX ), Case number : XXXX ) I filed a complaint with your office on XXXX XXXX XXXX . They have been calling and harassing for over 3 weeks. A few of the numbers they are calling from are : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX XXXX . There are many others. They robo dial my home and cell phone numerous times a day. Heres what I intend to do : If this bogus company sends this on to another collection, I will file suit against them for doing so. If they continue to do harassing calls, I will file suit. When they got my information from XXXX , they saw the documents I provided showing XXXX XXXX XXXX having been paid in full by a copy of the refund check made out to me for my overpayment of my final bill. This shows true malice on ERCs part. I think a jury will reward me for taking someone like this off the market who obviously harasses people thinking they have a legal way to extort money from them. Thank you Consumer Financial Protection Bureau for helping document how these companies work, as this only helps us when we sue them. The judge doesnt like that we have to use the government-tax payers money to stop crooks like this either.
|
| 04/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The debt being reported on my credit report is a corporate debt. My name is XXXX XXXX XXXX, I once owned a XXXX with a separate tax ID known as XXXX XXXX XXXX, XXXX. I opened a XXXX account in the corporations name, with NO PERSONAL GUARANTY. I did not provide my personal information. XXXX had tried through several collection companies to collect this debt against the company that I no longer own and was out of business years ago. This new company, ERC Collections, is reporting it on my PERSONAL credit file as a delinquent account collection. This has caused XXXX account to be closed already, and several to be placed under review and I was declined for something as well. ERC Collections can see the Tax ID on file, and STILL reports on my credit file. I have disputed with ALL of the credit bureaus but ERC Collections STILL says it is my debt. I have verified with XXXX this was a BUSINESS account in a corporate name with NO PERSONAL SSN OR GUARANTY ON FILE, only the business credit Tax ID. I have given all of this to ERC yet they STILL have not removed it.XXXXNot to mention when I first got the letter from them I called the very next day and disputed as well as sent a letter advising the valididty of this debt was disputed and listed the reasons why. Yet without verifying or reaching back out to me, they simply reported it to my credit report as if I had not dispouted it at all.
|
| 10/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
Older American |
|
Checking my XXXX credit reports, it has been noted a credit collection company by the name, Enhanced Recovery Company, Enhanced Recovery Corporation, and ERC, is reporting a debt bought from ( XXXX XXXX, in the amount of {$170.00}. XXXX, XXXX. ) On XXXX, XXXX, Claims they received said account for collection.
I never received any communication or letters from this agency.
I have resided at the same address for over 6 years.This account is now Open with XXXX of the credit reporting agency, dated XXXX, XXXX, and XXXX agency as Closed, as of to date.
XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX/XXXX/XXXX ( open ) collection/charge off XXXX date update : XXXX ( open ) collection, XXXX date update : XXXX ( closed ) XXXX date update : XXXX ( open ) collections under ERC XXXX date update : XXXX/XXXX/XXXX ( open ) renewal/installment.
XXXX reporting agencies now showing different remarks Collections/charge off Closed Renewal/installments Under the Fair Credit Reporting Act, this is illegal.
( Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer unfair and unjustifiable practices information contained in the files of consumer reporting agencies ).
There are multiple inaccuracies in my credit files. Verification of debt must be clear and sent forward or said collection deleted from my files.
|
| 06/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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CFPB File XXXX was filed regarding unlawful collection practices by : Enhanced Recovery Company, LLCXXXX XXXX XXXX, Florida XXXXIn their response to the CFPB complaint, in an excerpt of the company 's representative response was as follows : " Additionally our agency has submitted a deletion request will all credit reporting agencies with the account and our office. The confirmation of this request is XXXX. '' This document is attached.
However, as of this date ( XXXX XXXX, 2015 ), the credit reporting agencies continue to report this matter on my credit files.
As there are XXXX Credit Reporting Agencies, and Enhanced Recovery Company gave only XXXX confirmation number in their response, it seems there is a willful and malicious attempt to deceive both the CFPB and myself.
In order to remove the report from each of the XXXX credit reporting agencies, XXXX confirmation numbers would be required. These files can be removed immediately without delay by a company that wishes to remove them. The Credit Reporting Agencies simply report the information reported to them and are required by the FCRA to immediately remove any information as directed by the firm that files the erroneous, or wrong report.
I am asking that the CFPB impose sanctions on Enhanced Recovery for their deceit in removing the file as they indicated in their correspondence regarding the above listed file.
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| 01/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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i called XXXX about a debt to be settled for deletion on XX/XX/XXXX XXXX ; XXXX i was forwarded to the accounts dept for credit reporting the representative informed me there was a balance of XXXX in which i told the agent the i cant afford. she said said well we can settle this amount for {$310.00}. i said thats only {$15.00} decrease but thats still to high for me. after a couple of minutes of negotiating she said to me, can you do {$210.00} by the XXXX XXXX XXXX. we both agreed that this amount would settle and delete this account from my credit reports. so we agreed that i would make two installments to clear up the debt. XX/XX/XXXX i made a payment of {$110.00} and when i made a payment of {$100.00} on the XXXX of XXXX. i was told by another representative after immediately after that i still have a balance and that XXXX doesnt settle accounts. i said a rep there told me that after i make this payment the it would resolve and delete this XXXX account of my reports.they made me call ERC ( enhanced recovery company llc ) i called the about the issue and they told me there was a balance for XXXX of {$110.00}. i said i dont have a balance.explained to the rep what happened and i told them that i dont intent to pay anyone more money that i dont have since i was lied to. the rep said the would settle and close and delete the account for $ {$58.00} which i paid on XX/XX/XXXX.
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| 05/22/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello, I see that you have reported inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Enhanced Recovery Services Account # : XXXX Amount : {$2400.00} Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
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| 03/20/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I checked my credit report yesterday ( XX/XX/XXXX ) and noticed I had an account in collections from a Cable company from back in XX/XX/XXXX. I was not aware of the balance so I called the Enhanced recovery company to see what was going on. They advised me that they were sent the bill back in XX/XX/XXXX. This company has not made any attempt at contacting me to let me know I had a bill in collections but they proceeded to place this delinquent bill on my credit report without my knowledge. When I spoke to the agent at ERC she told me they had a phone number on file that I have not had for 6 years and they have not made any attempt on mailing out any type of correspondence. I asked if this could be removed from my credit report and I will pay the balance but the agent told me no. I am extremely frustrated by the fact that Ive been working so hard the past last year to improve my credit report and this company can just ruin the progress that I have made without even letting me know I had a balance due in collections! I would have paid this if I would have known. The manager I spoke to was very condescending and patronizing, she told me to file a dispute and when I asked will they call me back with an update she said, Were not going to call you back but you can feel free to call us if you want. This is totally unacceptable. I need this balance removed as soon as possible.
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| 07/07/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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When I noticed the debt on my credit report, I attempted to contact the contact : Enhanced Recovery as they were listed on the credit report.
I spoke with an agent after negotiating with XXXX XXXX XXXX XXXX and Enhanced Recovery that the debt would be deleted if paid.
Enhanced Recovery notified me that they would delete the debt once I paid the agreed upon settlement. I requested a letter in writing or via email before payment. The representative stated they could not send the letter until it was paid.
After calling Enhanced Recovery, A XXXX XXXX XXXX and credit bureau about the misleading statements, no one has deleted the collection.
I called Enhanced Recovery several times and explained the misrepresentation when I made the payment. Several agents have responded with, " we do not pay to had the collection remove, call the credit bereaus. '' Another stated, " ask the credit bereaus what to do to have the debt removed and have them remove it. '' I have asked for a manager, no call as of current and have called daily. The company Enhanced Recovery lied to me, took my payment ( verbal contract which is valid since they received payment ) and did not keep their end of the agreement.
Please assist as I have done everything I was supposed to do as I could and have fixed my credit in order to rectify my life as it is affected by the reporting of this information.
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| 05/18/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Enhanced Recovery Company is illegally reporting on my credit bureaus under their own name as opposed to the name of the original creditor in violations of : 209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17.
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name.
They were notified of their illegal actions XX/XX/XXXX. They removed their listing from my credit report XX/XX/XXXX.
In XX/XX/XXXX they reinserted their listing without my permission in violation of the FCRA. The I sent them a 93A Demand notice XX/XX/XXXX informing them of their illegal reporting, re-insertion requesting the removal from my credit report and requesting full validation of their claim ( including Proof of Assignment the contract showing they purchased the alleged debt ).
On XX/XX/XXXX they replied with statements from a different creditor only. However, their validation failed to show that they owned the account or that I owed them a debt in anyway. Their reply also in no way recognized the fact that they are continuing to violate federal and state law in attempts to collect upon this debt illegally.
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| 08/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/2019 a Certified letter was created and sent to XXXX Credit reporting which included all necessary documentation requirements to demand " VERIFIABLE PROOF '' of an original consumer contract with my signature on it for the account named Enhanced Recovery for the original creditor XXXX. Account # XXXX This request was asked for under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) that XXXX is required by Federal Law to verify through PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT.
On XX/XX/2019 a Certified letter was also created and sent to Enhanced Recovery demanding the same detailed information. As of today 's date XX/XX/2019 I have received NO REPLY from Enhanced Recovery.
As of XX/XX/2019 I have received through general USPS mail, that the dispute result to my above correspondence from XXXX informing me that the company ( enhanced recovery ) " CERTIFIED '' and " ACCURATE '' information that they are reporting to XXXX and my dispute remains unchanged This is NOT what I requested from either XXXX or Enhanced Recovery. I asked for PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT to which under Federal law they are REQUIRED to provide or the negative item reporting has to be removed immediately.
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| 06/17/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 06/27/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. AlsENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.
FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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| 05/09/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Several years ago XXXX XXXX XXXX installed two new internet accounts at a service location for me. They sent a third installer through some scheduling error. The third installer was sent away never having installed anything. The two accounts opened were always paid as agreed and eventually closed. XXXX XXXX XXXX never activated the third account but would not close the account because " without activation it did not exist. '' They put the installation fee of {$100.00} on the account balance. I could not " close '' an account i did not have open and they would not remove the balance without " closing '' the account. Eventually they sent the account to a collection company who inflated the amount and tried to collect. All of this information was given to the credit reporting agencies who removed the negative collection account from the record. The collection company then sold the account to ERC collection company. Who put it back on record with the reporting agencies. I repeated the dispute through the reporting agencies who removed it yet again. We are now locked in a cycle where ERC reports it and i dispute it successfully about twice a year. However this constant replacing of the negative collections is now the only negative thing on my report and is affecting my apparent creditworthiness, costing me much money and frustration all over an account that NEVER existed.
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| 09/11/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On Tuesday, XX/XX/2018 I received notification from XXXX that my credit score had dropped due to a collections that had been posted to my credit history from a creditor named XXXX XXXX ... an apparent creditor for XXXX. The collections agency assigned to collect the debt is XXXX XXXX XXXX ( XXXX ).
I spoke with a representative who identified himself as XXXX XXXX with XXXX XXXX XXXX and he told me that they showed I owed {$710.00} on an open XXXX Account, account number XXXX.
The credit change to my report stated that between XX/XX/2018 and XX/XX/2018 a " new account '' was added in collections to my credit report.
I have no open, unpaid accounts with XXXX and this bogus, ridiculous hacking of my credit report is unacceptable and I would like evidence of my obligation to any XXXX account.
I think it's an outrage and a discredit to XXXX XXXX apparent inability to identify closed, paid off accounts and I dispute this derogatory mark that they have placed on my credit report and would like it removed immediately.
I have had repeated issues in the past with harassment from XXXX on either a bogus account or accounts that were not properly reflected as paid off.
My credit score has gone down nearly 30 points because of this inept misinformation presented by XXXX XXXX and the XXXX XXXX XXXX. Please help me resolve this matter.
Thank you, XXXX XXXX XXXX XXXX.
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| 05/20/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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After checking my credit report and finding a collection for Enhanced Recovery Company. I had not received any notice from Enhanced Recovery Company regarding the alleged debt. I sent a dispute letter to Enhanced Recovery Company, dated XX/XX/2021 via USPS Certified Mail, requesting further information and disputing the account in accordance with 15 U.S.C. Sect. 1692, requesting that I either receive further validation and verification within 30 days or that the account be deleted from my credit reports.
Enhanced Recovery Company received the letter on XX/XX/2021. Enhanced Recovery Company notified XXXX and XXXX of the dispute by adding a comment that the account information was disputed and that is met FCRA. I did not receive a response from Enhanced Recovery Company within 30 days.
So, on XX/XX/2021 I sent a second correspondence to Enhanced Recovery via USPS Certified Mail Receipt, requesting that the account be deleted from my credit reports as they did not send a response within 30 days of receiving my certified mailed dispute letter. Enhanced Recovery received my request to delete the account on XX/XX/2021.
The account is still showing on my credit reports. I sent letters with copies of the correspondences and USPS Tracking Delivery Confirmations to XXXX and XXXX via USPS Certified Mail Return Receipt, carbon copying Enhanced Recovery on both mailings.
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| 05/06/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On Monday XX/XX/XXXX, it was brought to my attention from my home lender that I had a collection from Enhanced Recovery Company with the originator as XXXX for {$2000.00}. An account was created under my name sometime in XXXX and the collections were filed under my XXXX and XXXX reports on XX/XX/XXXX and XX/XX/XXXX respectively.
I have never had a XXXX account and don't hold any email or physical records of creating an account as well as bills sent to my physical address or e-statements sent to my email address. I also don't have any payment methods linked to a XXXX account.
On Thursday XX/XX/XXXX, I called XXXX to clarify any billing information under my name and they told me an account was closed and there were no records of payment.
Today, Saturday XX/XX/XXXX, I went to the XXXX store to gather further information regarding this account. The store representative showed me an address based out in XXXX, XXXX with two different phone numbers that I have no affiliation with as I live in XXXX and have never visited XXXXXXXX. I have attached a couple photos of the address that was used to purchase 2 XXXX
I have clarified with XXXX that this account is fraudulent and that I have no association with this account other than my credit being adversely affected as a result of the collection from Enhanced Recovery Company listed on my XXXX and XXXX credit reports.
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| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts.
I have listed the debts below in which the re-aging occurred.
XXXX XXXX - {$860.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX Enhanced Recovery - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX.
XXXX XXXX - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX.
XXXX XXXX {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX.
XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX.
The re-aging of these old debts has caused me harm and has impacted my future in negative ways.
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| 10/18/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I filed a complaint ( complaint number XXXX-XXXX ) on XXXX XXXX. They is listed on my credit report as a collection company and i have the right to ask them to validate the debt according to FDCPA and they didnt. ERC have been a collection company trying to ruin individuals lies by placing false accounts on consumers credit report.I have attached their response so the cfpb can see all the lies and non compliant incorrect information they attached to the last complaint. 1. ) They said they agency is not a debt purchaser but it clearly say on my credit report they is a collection company first violation 2. ) If they service the account their behalf they purchased the account and was paid by whoever to collect on it so another violation. 3. ) they said erc is in compliance which is not true because they collecting on a debt and they acting as if they is not. 4. ) they said the contract with be with XXXX and not them well XXXX should collect on it and not them when they placed that collectionaccount on my credit report they are collecting on it so another violation 5. ) I clearly stated i do not have an account with erc so they flipped the complaint around acting as if i need a fraud packet and i dont because i am correct i do not have an account listed with erc and they need to delete this incorrect information from my credit report i do not have an account with erc
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| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I obtain a copy of my Consumer Report and notice that there is some inaccurate information on my report. Pursuant to section 15 USC 1681 ( a ) under the exclusion section number ( b ) states that anything that is extended or authorize from a credit card should be excluded from the consumer report. According to definition Section 15 USC 1602 ( i ), the term of a credit card means, any card plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on a credit.
This is meaning that a credit card from a bank is not allowed on my report, and that not what I mean by a credit card and they are illegally reporting to my consumer report. According to 15 USC 1681 ( a ) section ( e ) such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the Consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
I have been hurt being that I am being falsely accused for an account that is inaccurate on my report, I am a XXXX mother trying to get a house and car for my daughter and family and this is weighting very heavy on my future as of now and I'm begging and pleading for help from someone that can help my daughter and I so I can be successful and living comfortably.
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| 08/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Oh boy, am I upset!!!!
ERC ( I believe thats the company ) has been reporting a collections account on my credit report for a couple YEARS now! I have disputed it twice and each time its come back verified. Impossible, due to the fact I dont have an account with XXXX - and never did. XXXX since 2007! Last week I FINALLY received some form of communication from this collection company. They sent me a sprint bill for an address Ive NEVER lived at! I immediately contacted sprint, seeing as how theyre the original creditor. The customer service rep, XXXX, actually told me he had no record of me holding an account with sprint, let alone owing them! I told them ERC is reporting a DEBT COLLECTION for XXXX. XXXX CUSTOMER SERVICE REP THEN SAID ERC DOES NOT OWN THE RIGHT TO COLLECT ANY DEBT ON THE BEHALF OF XXXX this is ILLEGAL. I called XXXX with intentions on paying a bill that I DID NOT OWE, just to rid myself of ERC! Turns out theyre reporting a fraudulent account and causing me emotional stress over a bill that isnt mine. Thank XXXX I contacted XXXX. ERC, please stop reporting this account to the credit bureaus. I have contacted the original creditor and confirmed I do not owe any monetary payment to their company. This is illegal. You guys have a track record of purchasing debt for fraudulently opened accounts then harassing customers for 7 years if youre able to.
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| 08/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As permitted by the FDCPA, I sent a letter to Debt collection company ERC ( XXXX XXXX XXXX ) asking them to validate a debt they have continually harassed me about. They sent me a letter months ago stating they that they will no longer pursue this debt. This response was due to the fact that I asked for validation before and they could not provide it.. This supposed debt they say I owe they have failed to validate as required by the FDCPA. This letter was sent certified mail return receipt and ERC received this letter on XX/XX/2018, signed for by XXXX XXXX. I attached below a document showing evidence of this signature. My letter asking them to validate this debt has gone without response and they have unlawfully placed this on my credit report. Once this letter is received, the collection agency must stop attempting to collect the debt and remove it from my credit reports until they supply validation. This company however has gone out of their way to defame me by putting negative information on my credit report unlawfully. This is grounds for a lawsuit. It is quite clear they do not have what is required to validate this account and must stop contacting me and remove the fraudulent entry from all three credit bureaus right away I attached a copy of the return receipt I got proving they received my letter and willfully did not respond but broke the law instead.
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| 11/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I DISPUTE THIS.
On XX/XX/XXXX I received correspondence from you, ERC, regarding my paid off account with XXXX XXXX. This account was paid in full on XX/XX/XXXX. XXXX XXXX XXXX acquired the account in XXXX and authorized a payoff of {$290.00} divided into two payments ; {$140.00} paid on XX/XX/XXXX and {$140.00} paid on XX/XX/XXXX. A satisfied in full letter was sent to me, which I will attach for your records.
How dare you contact me regarding this account. You are now harassing me for a debt that I do not owe. I am disappointed that you have failed to maintain reasonable procedures to comply with the law. I will state here some of the obvious violations : 15 U.S.C. 1692e ( 5 ) concerns how I construe your collection efforts as FALSE THREATS TO TAKE ACTION THAT CAN NOT LEGALLY BE TAKEN. Also, 15 U.S.C. 1692e ( 10 ) concerns your use of FALSE AND DECEPTIVE MEANS to collect this alleged debt.
Based on these facts and evidence that I have in hand, should you continue to do any of the following I shall be forced to pursue litigation against your firm in a County Court local to me and will seek {$5000.00} for each infraction of the FDCPA : Continue to contact me and attempt collection Report any portion of this alleged account to my consumer credit files Make reference to or report this alleged account to anyone for any reason without my written permission
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| 12/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I complained to the CFPB regarding the Enhanced Recovery Corporation ( a collection agency ) and XXXX ( a cellphone company ) in XXXX of XXXX ( see case # XXXX ), because Enhanced Recovery was trying to collect a debt ( on behalf of XXXX XXXX that did not belong to me. In fact, the debt holder 's address and date of birth were different from mine ... the debt holder only shared my first and last name. Thankfully, this case was resolved successfully in XXXX of XXXX, with Enhanced Recovery admitting that my name was flagged due to " matching names '' and that I was not the debt holder ( see the response of Enhanced Recovery at that time ). Because the collection was removed from my credit accounts in XXXX of XXXX, I thought the case was over. However, I received a letter from ERC on XXXX XXXX, XXXX about another XXXX debt for another person who shared my first and last name, but lives in XXXX, GA and who established a debt with XXXX in XXXX XXXX. ERC also states that they do not have a current date of birth or social security number for this debt holder. I have never lived outside of the state of NC, and do not have an account with XXXX. To be clear, ERC is again trying to collect money from me for the debt account of someone who shares my first and last name, but nothing else ( i.e., ERC has different demographic information and no SS number for this person ).
|
| 11/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I had XXXX XXXX telephone lines for me and my family during XX/XX/XXXX, In the month of XX/XX/XXXX I closed my accounts with XXXX and went to another company. I fully settle the XXXX final bill dated XX/XX/XXXX which I received on XX/XX/XXXX by a cheque for {$60.00} sent under USPS certified mail.This XXXX had been realized from my a/c.In XX/XX/XXXX I received a letter from XXXX saying that I have a outstanding Balance of {$240.00}. Then I contacted XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I informed them that I have settled my final bill and I have nothing to pay.I also informed them that I have received a letter from Experience that my personal information has been hacked in the hands of XXXX, They agreed to that and said its being investigated and let me know the out com.But they never came back to me .Then I camplane it to CFPB too too, But I did not received a answer ( cse # XXXX ). Their after I received noticed from Debt collecting company named XXXX XXXX, requesting me to pay {$170.00}. Again I received a collecting notice from XXXX on XX/XX/XXXX requesting me to pay $ XXXX those occasions I explained to them the facts The latest from Debt collecting company named ERC contacted XXXX over the phone and requesting to pay {$91.00}, they have all ready reported to credit burou too.I have proof of all the document with me to prove what ia have said
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| 08/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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On XX/XX/XXXX The company states they made an attempt to notify me that an account in which I have no knowledge of and have not had proper verification of validation of debt being owed. They reported on XX/XX/XXXX, ERC made several attempts to contact me. Which is not true. They also submitted a report saying they sent an initial letter notifying me of the account placement in their office. Began to express they spoke with me on XX/XX/XXXX, which again is not true.They also state On XX/XX/XXXX, ERC received a dispute forwarded to our office by the credit reporting agencies. Which IS true a dispute was submitted to all tree credit reporting agencies XX/XX/XXXX. As a result XXXX and XXXX have removed the reporting from my credit file because the company failed to provide proper validation of the ownership for this account and failed to do so in the amount of time legally allowed to validate debt. They have failed to remove the report from my XXXX account and it is adversely caused me to be declined from recent credit line request. My dispute reason was submitted as Ownership : I have no knowledge of this account. They then have stated that I need to contact the fraud department. Their debt collection tactics are to give the run around without properly validation. They have placed information my my XXXX account after the 45 day time limit which is illegal.
|
| 09/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
We have been targeted by two collection agencies thus far -- XXXX and now ERC. XXXX began calling almost daily this past spring 2019 looking for someone with the same last name as ours, but who doesn't live at this address and never has. ( I thought they just had the wrong number at first when I heard their message on my voicemail. ) I've also had this same phone number for over 30 years so the person they were looking for never had this number before as they suggested. I complained to XXXX and they finally took me off their calling list in XX/XX/XXXX, but apparently this matter was simply transferred to another collection agency -- ERC -- who is now calling me too. ( I don't know if XXXX did this, but wouldn't be surprised. Are they all connected? ) I finally talked to an agent at ERC today, XX/XX/XXXX, and she said they would take my number off the list again. This is the second time. I fully expect a third collection agency to call me looking for the person they're trying to collect a debt from. I'd like to know how these agencies get away with telephone harassment of anyone, especially those who aren't even involved in the collection matter and are called simply for having the same last name. It's reprehensible. What are my options for dealing with this in the future? Can I file a complaint with the XXXX and FTC? Can you tell I'm pretty ticked off?
|
| 07/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Enhanced Recovery Company ( XXXX XXXX XXXX in XXXX, Florida XXXX, physical address XXXX XXXX XXXX, XXXX, Florida XXXX ) reported to the credit bureaus that I owe {$100.00} to XXXX XXXX XXXX, XXXX. My bill was actually for $ XXXXwhich I just paid. I tried contacting them but could not get through. They need to remove this incorrect balance ( which was just paid ) from the various different credit bureaus. I looked this company up on XXXX and they have a one star rating, leading me to think they are involved in fraudulent and possibly illegal collection activities. I have copied and pasted the receipt of the bill I paid ( which was for {$64.00}, not {$100.00} ).
They also have NEVER attempted to contact me, or even sent me a bill in the mail. Thank you! Under this receipt I copied and pasted what they send to the credit bureaus.
We received your recent payment to XXXX XXXX XXXX XXXX.
Confirmation # : XXXX Payment To : XXXX XXXX XXXX XXXX Account : XXXX Payment Amount : {$64.00} Payment Date : XX/XX/2019 XXXX XXXX XXXX XXXX WHAT WAS REPORTED TO THE CREDIT BUREAUS accountnumber XXXX Creditor 's Name ENHANCED RECOVERY COMPAN Type of Industry Other Collection Agencies Address XXXX XXXX XXXX, XXXX XXXX FL XXXX Account Balance XXXX Payment Status Collection/Chargeoff Creditor 's Preferred Contact Method Other Consumer Statement Placed for collection
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| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This is a formal complaint against Enhanced Recovery Company located in XXXX, FLORIDA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Enhanced Recovery Company has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 07/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I sent a letter to this company dated : XX/XX/XXXX requesting debt validation the Fair Debt Collection Practices Act ( FDCPA ). I have not received any validation documents from this company to date. I wrote to them : To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation. 1. Complete payment history, the requirement of which has been established by XXXX V XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX WL XXXX ( XXXX, XX/XX/XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. The debtor must phrase their request clearly to obtain : The source of the debt and the amount a bad debt buyer paid for plaintiffs debt, how the moment sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect a debt. 4. Intimate knowledge of the creation of the debt by you, the collection agency. None of this requested information has been sent to me. They did not send me any validation document.
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| 10/19/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a call on XX/XX/XXXX from an agency calling themselves the Enhanced Resource Center ( DBA : ERC ) who subsequently identified their address as XXXX XXXX XXXX, XXXX, FL, XXXX regarding a disputed claim with the former XXXX - now XXXX. The disputed claim is over the return of equipment that XXXX failed to collect upon our termination of the service. XXXX wanted us to return the equipment rather than them pick it up. XXXX could not furnish a contract or any materials stating it was the customer 's responsibility to do so - nevertheless - they turned this contested issue over to ERC. Upon discussion with the ERC representative, they falsely claimed that {$130.00} of the {$170.00} in contention was due to an early termination fee. I asked the representative to give me proof of this early termination because I knew it to be untrue. The representative refused to do so and continued to attempt to strong-arm me into a payment. I asked for proof in writing that I was required to pay this fee and told them on a recorded line that if there was proof that I owed this money and agreed to such terms then I would be happy to pay it. They refused to supply such documentation. After the conclusion of this call I subsequently called XXXX/XXXX who confirmed there was no such early termination fee since we had been customeres from XX/XX/XXXX until recently.
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| 01/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Hi my name is XXXX XXXX and a few months ago CFPB and the credit reporting agencies helped me when XXXX the phone company tried to collect a debit. that was fraud it was used in my name from the time I was Under age a kid. for over XXXX dollars. I sent my ID to prove I just turned XXXX so when I was doing my financial aid for school and looking for loans this is how I found out I had a fraud on my name from XXXX CFPB and XXXX helped me and it was removed and I was found to be the victim. XXXX had opened a frud account for someone when I was under age like XXXX or XXXX. I was cleared. Well Enhanced Recovery put this same fraud account on my credit report. XXXX had deleted it and found me not guilty of this Identity theft. My school counselor and I called XXXX and they informed us they did no Authorize for Enhanced recovery to put this debt on my credit report and the supervisor stated Enhanced recover purchased all fraud or identity debts and now trying to ruin people and there credit. I was shocked! I don't feel this is legal I just turned XXXX and even XXXX said it was fraud and I'm was well under age. that they also did not have any ID or any contracts signed on file. and that it should be removed again for the 2nd time look at my ID I just turned XXXX in XXXX XXXX said the fraud happened for years before I was XXXX that's why they deleted it
|
| 06/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
Payment was made to the original creditor in an agreement letter for a lesser amount than owed. Creditor agreed to terms and cashed check ( electronic debit ) from my checking account. Letter stating this, and all supporting documents were sent to all XXXX credit bureaus for removal. Collection agency who purchased account from a third party refuses to remove information from my credit reports XXXX and XXXX credit bureaus have stated this erroneous information has been verified by this third party collector. Collection agency states they purchased this account from another collection agency. My understanding is they are in violation of FDCPA Sec. XXXX ( a ) and they have used false representation and deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The original creditor agreed to remove the item in exchange for payment and any adverse information, and then failed to follow through with removal ; they are in violation of FDCPA by using deception. Collection agency also stated they are contracted by the original creditor which is false, once again deception ; this collection agency has no contract with me, and has never sent me any prior information of this debt. I ask that this derogatory information be removed from all " XXXX '' of my credit reports. Thanks for your attention to this issue.
|
| 06/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I received a written collection notice from Enhanced Recovery Company , LLC ( ERC ) of XXXX, Florida attempting to collect a debt for XXXX.
I followed the instructions on the collection agency letter and responded in writing in 2013 to dispute the validity of the debt. My letter included the specific statement : " This account is not mine and should be removed from my credit report. " I went to a local XXXX store and was able to learn that my social security number was among the information used to open the account. Other account information included a State of Georgia driver 's license number and expiration date, mailing address and associated home telephone number for a residence in Georgia.
Learning that my social security number was used to open this account, I filed a police report with my local law enforcement agency and placed fraud alerts with the XXXX credit bureaus. I completed and returned the ERC fraud packet at that time.
Now, nearly 2 years later, I am unable to obtain a home mortgage because a credit bureau still reports this XXXX account as a collection item against me ; the other XXXX bureaus previously removed this fraudulent collection account.
I was unable to receive even a pre-qualification letter from XXXX lender due to the appearance of this collection item, even though the item includes a note that it is disputed.
|
| 08/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent.
If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thank you. I will await your reply.
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| 12/13/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Enhanced Recovery for committing identity theft. On XX/XX/2023. I checked my credit and seen that an account reporting that I never opened or authorized was reporting negatively. I have never given Enhanced Recovery yet alone I am unaware of who they were until I looked the company up on XXXX. I never gave ANY permission to use any of my identifying information to commit fraud. Until Enhanced Recovery can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent negative open account from my credit file, if this documentary evidence can not be produced and Enhanced Recovery continues to report this unauthorized account. I will file for litigation for actual damages caused and Enhanced Recovery will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Enhanced Recovery is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX.
|
| 03/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Several years ago XXXX bought out XXXX XXXX co. I paid my final bill off with them. XXXX takes over and my bill goes up but I pay them faithfully for past several years.Well my credit score dropped XXXX points in the last 2 days. I go online to find out an credit collection agency ERC has posted a unpaid debt of XXXX with all credit reporting agencies. When I called them about this they said it was XXXX, filed this against me and they did n't know what it was for.
I went to XXXX and they said it must have been an old bill, when I requested them to give me proof of this they had none. I paid those folks off before XXXX took over. But what 's worse is they sent me a bill marked XX/XX/2017 which clearly states I had 30 days to dispute this charge today is XX/XX/2017. And they already reported this to all the credit reporting agencies. I am livid about this I tried very hard for the past 10 years not to have any negative credit issues and there about to do this as easy as taking candy from a baby. My complaint is ERC and XXXX. Why can they exhort consumers and get away with it. Something needs to be done about them, they do n't even have to prove anything. If I brought a case against them claiming they owed me I would have to prove it!
Why do n't they have to? Why are they allowed to ruin someone 's credit? It took me 10 years to build it up!
|
| 12/13/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Enhanced Recovery for committing identity theft. On XX/XX/. I checked my credit and seen that an account reporting that I never opened or authorized was reporting negatively. I have never given Enhanced Recovery yet alone I am unaware of who they were until I looked the company up on XXXX. I never gave ANY permission to use any of my identifying information to commit fraud. Until Enhanced Recovery can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent negative open account from my credit file, if this documentary evidence can not be produced and Enhanced Recovery continues to report this unauthorized account. I will file for litigation for actual damages caused and Enhanced Recovery will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Enhanced Recovery is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX.
|
| 09/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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I called XXXX XXXX XXXX ( ERC ) because they were on my credit report and I wanted to find out why. I spoke with a very nice collector by the name of XXXX. She explained that I had a debt from XXXX XXXX XXXX in the amount of {$410.00} that was owed from 2009. XXXX explained everything to me in a respectful manner. I asked her if there was a way to get this debt deleted from my credit report. I also asked about a settlement on the debt. XXXX placed me on hold and came back to the phone and said they could settle the account for {$110.00}. I asked about the credit reporting and if this debt could be deleted once the settlement amount of {$110.00} was paid. I explained that I wasn't sure how I owed XXXX XXXX XXXX if I was still a current customer with XXXX XXXX XXXX. XXXX put me on hold again and a guy came, XXXX XXXX, came back to the phone saying he was the supervisor. His tone was extremely aggressive and threatening. He made rude comments like, " We've been on the phone for 20 minutes already, are you going to do anything, because we're wasting time here '' He was very condescending as well. I asked for the address and it seem to bother Mr. XXXX. He said it very fast and when I asked him to repeat it, he said, " Let me say it very slow and spell it for you since you have issues. '' This was extremely insulting and I was deeply offended.
|
| 05/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/XXXX I received a letter from ERC ( XXXX XXXX XXXX ) which claimed that I owed {$850.00}.
On XX/XX/XXXX I mailed a letter requesting validation ( not verification ) and requested the following : Explain and show what the debt is for specifically ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and registered agent ERC ( XXXX XXXX XXXX ) did not respond with the requested information as required by the State of California.
On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) reported a collection account on my XXXX credit report the same day they sent the debt collection notice.
ERC ( XXXX XXXX XXXX ) did not allow the required 30 days for validation ( not verification ).
On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) updated the collections account.
ERC ( XXXX XXXX XXXX ) violated the Federal Validation Notice [ 15 U.S. Code 1692 ] and Fair Credit Reporting Act [ 15 U.S.C. 1681 ].
Beginning XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}.
No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.
|
| 05/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I switched cell phone carriers in XXXX of 2013. XXXX XXXX XXXX to XXXX. Was able to keep my cell phone numbers upon switching companies. Contract with XXXX XXXX XXXX was complete. I had been with that company when it was XXXX. That 's how long I was with XXXX XXXX XXXX. Received a call from XXXX XXXX XXXX about two months after swapping carriers. XXXX informed me that I owed them equipment charge taxes which was over {$200.00}. I asked them why they said It was for their equipment taxes? I said I never heard anything about taxes when I switched. After a brief discussion the representative said not to worry I had been with the company for a extended time and they would just waive the tax charge. I thought that was the end of the story. It did not end there. Enhanced Recovery Company out of XXXX Florida enters the scene one year later with collection on my credit report. This is straight bogus and I have dispute with all XXXX credit report agencies and all they do is after XXXX month is say its legitimate and it will stay on my report. They do not even make that company show any proof that I owe anything. They are asking for {$810.00} to settle this claim. I owe no XXXX anything at all. Please help me remove this from my credit report and make this company report correct collections. They are causing a lot of pain while doing thisXXXX XXXX
|
| 11/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
It is XX/XX/XXXX and I am in the process of purchasing a home and my " credit score '' has taken a 150 point hit due to a collection/derogatory mark for a {$59.00} ERC Collection. I have never made a " late payment '' nor had anything turned over to collections. My loan company was able to see that the {$59.00} debt was with XXXX XXXX. I currently reside in XXXX XXXX and have since XXXX. XXXX XXXX/XXXX/XXXX does not offer services in my area. I reached out to XXXX XXXX and they could not find an account based on my phone number or address. We reviewed all my past address ' and they found one from XXXX that an " account '' had been set-up but service had never been provided. They could not see ANY MONEY due or any debt owed to them. They told me to file a fraud charge " after '' contacting the collection agency ERC. I contacted ERC and they found the {$59.00} for my address in XXXX. They could not provide ANY information from it as they said they purchased the debt from another debt agency. I have never received any communications with regards to this " debt '' and do not know what it is for considering I NEVER had service with XXXX XXXX/XXXX/XXXX. All contact with ERC and XXXX XXXX happened on Thursday XX/XX/XXXX. It has been over 6 years and I have NEVER received notification of money owed nor direct contact from a collections agency.
|
| 02/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
On XX/XX/2021 I received a call from ERC, a debt collection firm at XXXX XXXX EDT. Representative XXXX engaged in appropriate debt collection practices at the start of the call. This call is for a debt owed in the amount of {$770.00} to which I agreed to pay a settlement in the amount of {$540.00}. I explained to the representative that I will pay off the agreed upon balance within 30 days when more money comes in to settle the account as previously agreed but will only be afforded the reduced agreement at which point I voiced that I no longer wished to be recorded. Representative continued to ask question and press for more information while I had placed representative on mute. I stated to the representative that I no longer wished to be recorded on two additional occasions thereby forcing me to terminate the call.
As I am actively seeking to repair credit in order to purchase a home loan, I am in a position which prioritizes collection agencies who are willing to work with me to re-establish a positive standing. For those who are unwilling to delete from record bad debt such as ERC are placed in a lower bracket to be paid off within 30 days. I feel that although my acceptance of the call at the start was respected, my wish to no longer being recorded in the last minute of the interaction was not honored per mini-Miranda rights.
|
| 04/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
You are attempting to collect on a debt that is not owed. OnXX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX attached ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as incorrect names on the bill ( see attached bill ). Only my name should be on the bill as is shown on my contract ( see attached contract ). I provided a copy of my contract and details of their errors and received a response from XXXX XXXX XX/XX/XXXX clearly stating that everything is correct according to them and notification that I will receive a late fee if they do not receive my payment in full by the due date ( see their response attached ). Since they did not wish to honor their written contract, I would be forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill attached ) and would owe no monies due to their lack of interest in honoring their contract and immediate cancellation prior to their next bill. If XXXX XXXX XXXX XXXX doesn't immediately clear up this matter, I will immediately file suit through Consumer Fraud Legal Services. The documents, including XXXX XXXX XXXX XXXX written attempts directly and indirectly to collect on a false debt have already been forwarded to the FTC. Thank you.
|
| 03/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received letter from following Debt Collection Agency : ERC, P.O Box XXXX, XXXX, FL XXXX ( reference number XXXX, dated XX/XX/XXXX ).
The debt collection agency reported amount of {$100.00} with original creditor as " XXXX ''.
On XX/XX/XXXX, XXXX credit reporting agency alerted that a new account was opened in my credit file with following information : Address : PO BOX XXXX, XXXX, FL, XXXX Account Balance : {$100.00} Account Number : XXXX Creditor Name : ENHANCED RECOVERY COMPAN Industry Type : Other Collection Agencies I don't know who " XXXX '' refers to. I sent the Debt Collector ERC a letter asking for validation along with proof and request to produce written contract with original creditor to said amount on XX/XX/XXXX.
The debt collector ( ERC ) has reported to XXXX before 30 days period and before receiving my letter to them requesting validation.
If " XXXX '' refers to XXXX Corporation headquartered in XXXX XXXX, Kansas providing cellular phone and other telecommunication services, I have not been its customer since mid-XX/XX/XXXX. I had a dispute with it in XX/XX/XXXXabout services provide, my termination of the services and amount owed. Other collection agency had reported the disputed to debt to credit reporting agencies and I had it removed from credit reports by filing dispute with credit report agencies.
|
| 08/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received an alert from my XXXX account saying to check my credit monitoring. I noticed that Enhanced Recovery Collections was reporting to XXXX some sort of Collections account. I do not have any accounts with this Debt Collector and do not know why they have put this information on my Consumer Report. I need to know why this was put onto the Consumer Report without prior consent from the Consumer. I am an older American who does not know why this is normal practice with the Credit reporting agencies please stop this criminal behavior. I wish this would cease and desist pursuant to 15USC1692 c c. This crime of identity theft has been visited by the President who says that there is a travel ban on invasion of the American peoples information. Please show me the employer identification number for Enhanced Recovery and also I need to see the employer identification number for XXXX and also all of the identifications for whomever had this derogatory information placed on the Consumer Report. I have got to figure out who provided all of my personal non private information for all of the public to see. It has to be known who and what and why it has been provided. This obscene and profane language has got to stop. It is a crime pursuant to 18USC242 I must have the right to defend myself before anything is placed on my Consumer Report.
|
| 07/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
THIS IS FINAL NOTICE FROM ME!
I want to complain about false statement of debt, reported by Enhanced Recovery Company , LLC ( ERC. ) I complained already with same issue and finally verified the debt ( reported by ERC ) that it is not mine. I received the XXXX bill from ERC on XX/XX/XXXX and I verified that the debt was not mine. The name on the bill was not my name, the address on the bill was not my address ( never lived there ) and NOTHING WAS MINE! But ERC reported the debt to my credit report for a long time and my credit has been messed up, this is absolutely not acceptable and must be corrected and compensated ASAP. I attached the bill from ERC here and other support documents for your reference. See the attached files. Again, my name is not XXXX XXXX and I never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX and I lived in XXXX XXXX in XX/XX/XXXX which showed billing period.
Since the debt does not belong to me, I requested to ERC to get rid of it ASAP, but I have not heard/received anything from ERC. So, this is my final notice to ERC to get rid of the false debt from all XXXX credit bureaus right now and send me the confirmation letter by mail to the address ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) in XXXX business days from now. If I do n't here anything from you, I will absolutely bring a lawsuit right away.
|
| 01/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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15 U.S. Code 1692g states that : a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I didn't receive this notification and this debt is not owed. I don't have a contract with the creditor.
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| 11/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of ERC ( enhanced recovery collections ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
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| 06/04/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Reference : XXXX XXXX XXXX ; The above XXXX account was disputed with XXXX XXXX and closed in XX/XX/XXXX due to unreturned equipment.
I contacted XXXX XXXX in XX/XX/XXXX and explained I had left a violent and potentially dangerous situation and could not return to that apartment to retrieve the equipment. However, I explained that they have a tech office 0.3 miles from the apartment and there were XXXX XXXX techs in the complex almost daily, so if they would send a tech to retrieve the equipment it would be surrendered without any incident or threat of any violence. My initial request to have the equipment returned was denied, as I was told " they don't pick up equipment. '' I requested an appeal with XXXX XXXX where I pleaded my case over a recording with a representative from XXXX. My recorded appeal was denied by XXXX and I was told they do not pick up equipment under any circumstances. Having no other alternatives, my account was closed and placed in a collections status as of XX/XX/XXXX, and I accepted the damage to my credit rating.
But now in an apparent attempt to further damage my credit rating and extend/bypass the statute of limitations, XXXX XXXX and XXXX XXXX XXXX has fraudulently reported the debt as being closed TWO YEARS LATER in XX/XX/XXXX.
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| 09/08/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Enhanced Recovery Compan has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
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| 05/02/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Back in early XXXX I moved to a different area and had XXXX XXXX . When I found out XXXX could not service my new address I canceled the contract. Knowing that if they could not service my address the contract would be void, I was not worried about paying out the contract. I also had a conversation with a XXXX representative that confirmed the same. About six months down the road XXXX with XXXX {$850.00} from my checking account without any prior consent or knowledge. They claim that that was the balance of the contract. I contacted them to dispute this since they could not service my address and a representative told me that that must 've been a mistake. However, the only way I got my money back was filing a dispute with my bank. I won the dispute got my money back and all was fine. Then, In XXXX I went to buy a home was preapproved to build a house. On the final days they had to pull my credit report which would 've been early XXXX , XXXX had sent that balance of {$850.00} to a credit reporting agency, dropping my credit score . It is now placed on my credit report as money owed which clearly I want my dispute and should not be on there. It is falsely on my credit report. I would like to get it removed immediately before I decide to take some other kind of action. Would you be able to help me with this?
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| 04/26/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was an XXXX customer. I had a complaint filed with the XXXX for unfair sales practices and fraud. ( they added services specifically XXXX XXXX/XXXX XXXX that I did not request. They also changed my passwords and secret questions ) The complaint was forwarded to XXXX Executive Office. The Executive office rep, Ms XXXX XXXX was able to resolve the issue by dissolving the existing accounts and starting a new profile. She also waived over {$200.00} in fees. I never actually had an account with XXXX XXXX-XXXX, now Enhanced Recovery Company without communicating via phone or mail has placed this account on my credit file. This account continues to pop up on my credit report from various debt collectors. This is the 4th time and the 2nd time ERC has done this. How do they get away with this? I can only assume that XXXX XXXX XXXX XXXX XXXX is continuing to sell this debt that I do not owe. They made an error in their system, falsely created an account that I did not authorize and now continue to sell this phony erroneous debt. I am requesting that ERC and XXXX clear up their records and remove this from my credit file. ERC has never communicated with me to give me the opportunity to confirm or deny the debt. They just placed the item on my credit report without process. That is wrong. This is the second time ERC has done this!
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| 06/25/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Team - I would like to report Identity Theft Activity. On XXXX XX/XX/XXXX, I was made aware of this activity by receiving an email from the XXXX Credit Bureau that my credit score had decreased by XXXX points. I went to the XXXX Credit site and saw on XXXX XX/XX/XXXX that the Enhanced Recovery Collection ( ERC ) Agency ( XXXX XXXX XXXX, XXXX FL XXXX ) was trying to collect a debt that was opened on XXXX XX/XX/XXXX for XXXX in the amount of {$1600.00} ( I never had any accounts with XXXX ). I did NOT receive any correspondence ( Mail/calls ) from ERC regarding this debt. I was a victim of the national data breach on XXXX Credit Bureau and I believe this is how my information was exposed. On XXXX XX/XX/XXXX, I filed an Identity Theft Report online with the Federal Trade Commission ( FTC ) and the local police department. I also disputed this activity with the ONLY credit bureau, XXXX that was reporting this fraudulent activity. What's strange here is I encountered this same fraudulent activity on XX/XX/XXXX by XXXX for the same amount of {$1600.00}, but it was trying to be collected by a different collection agency ( XXXX ). A clear giveaway that this data was fraudulent was the email address used to open the account : XXXX. I disputed this with XXXX and it was deemed to be fraudulent and it was removed from my credit report.
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| 02/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Hello I found an open collection account listed on a recent Credit Report which i obtained using XXXX and XXXX XXXX. I attempted to research the company, Enhanced Recovery ( ERC ) using XXXX. I found that this company does not have a website, which raised my eyebrows about the legitimacy of this collection. I called the original creditor ( XXXX XXXX XXXX ) to find out more. XXXX XXXX has NO RECORD of my name or social security number in their system. They told me to try to find a number for the Collection agency so I called the number on my report. The person who spoke with me did not inform me that I could dispute this debt, that I had any right what so ever to challenge the facts of the debt. I asked for him to send me a letter to verify the facts of the debt. They ended up sending me a " summary of the payment agreement. '' I can assure you I did not agree to pay them anything, especially when I had no information about why they had this debt and did not share with me my rights. Then they somehow assumed I had agreed to pay them in full without those words ever coming from my mouth.
I Believe this is deceptive and illegal and furthermore, an immoral practice, especially coming from a company that is doing its best to hide their identity by not having a website or any contact information readily available to the public.
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| 05/31/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A debt collector ( ERC ) is attempting to collect a debt from me ( 1 ) that is not mine, and ( 2 ) that I have already successfully disputed with the credit rating agencies last year after the first attempt to collect on this debt that is not mine.
The debt alleged is {$970.00} for an XXXX XXXX XXXX XXXX account. I have never had an account of any sort with XXXX ; I am and have been a XXXX customers for my cell phone service, my internet service provider when I lived in XXXXXXXX XXXX until XXXX was XXXX, and my current internet provider in XXXX XXXX is XXXX ( formerly XXXX XXXX ). I have never opened an account for either cellular or internet service with XXXX. I have never done business of any kind with XXXX. I first learned of this erroneous debt collection when it was placed on my credit reports in XXXX of XXXX, and I immediately opened disputes with the credit rating agencies it was reported to ( It showed up on 2 of them : I know for sure one was XXXX, and I believe the other was XXXX ) and those disputes were quickly resolved in my favor and the debt collection was removed from my credit reports.
Now ( XXXX of XXXX ) I have received a letter in the mail from : ERC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Attempting to collect on this same erroneous debt that I already successfully disputed last year.
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| 02/08/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, ERC, on behalf of XXXX XXXX XXXX and XXXX XXXX, attempted to collect a debt from " XXXX XXXX XXXX '' by sending a letter to XXXX XXXX XXXX in XXXX New York. My name is XXXX XXXX XXXX and I do not, and have never, lived at that address. Nor have I ever had a credit card issued by XXXX XXXX or XXXX XXXX XXXX. The home at that address is owned by an extended family member and because of this I was alerted to the communication. We promptly communicated to ERC that : ( 1 ) the debt was not owed by me ; ( 2 ) I had never had a credit card issued by XXXX XXXX or XXXX XXXX XXXX ; and ( 3 ) I had never lived at XXXX XXXX XXXX. ERC indicated that they would note that the address was incorrect and that the debt was not owed by me.
On XX/XX/XXXX, another letter was sent to XXXX XXXX XXXX related to this debt on behalf of XXXX XXXX XXXX and XXXX Bank. This letter was not sent on ERC letterhead, but rather only identified XXXX XXXX Services and XXXX XXXX. We called the number listed on the letter ( XXXX ) and again informed them that : ( 1 ) the debt was not owed by me ; ( 2 ) I have never had a credit card issued by XXXX XXXX or XXXX XXXX XXXX ; and ( 3 ) I have never lived at XXXX XXXX XXXX. They again " made a note on the account '' but also asked that we return the letter as " Return to Sender -- Wrong Address. ''
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| 06/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American |
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XX/XX/2015 I received a notice from ERC collections that I owed {$170.00} to XXXX XXXX XXXX. It stated that if I paid {$99.00} it would settle the debt. I immediately went and got a money order and sent it to them. XX/XX/XXXX I was notified by my credit monitoring company I had a negative collection reported. I found that it was a totally different company saying I owe the {$72.00} balance, XXXX XXXX. I called ERC and got proof that I paid the settlement amount and it is a paid account. I submitted XXXX disputes to every credit bureau. XXXX and XXXX deleted it within days. XXXX on the other hand, I have filed XXXX disputes and they will not recognize that it is a duplicate that was incorrectly sold to another collection agency. I do n't understand how company 's can just say a person owes something when they have proof they paid it. This is unfair to all the people that pay their bills. Sadly, I still do n't even know where the bill came from! I just paid it because I wanted it to go away but I refuse to pay the balance after I paid the {$99.00} like I was told to do. XXXX is terrible and our government should not let these companies have as much leeway as they do. Collection agencies should have more restrictions on them. Being able to just charge someone for something because they want to is not fair credit reporting!
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| 04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. The amount owed on this account is something I should not be obligated to pay either. I was deliberately mislead by the representative who assisted me with opening up my XXXX account. He indicated to me that I was not under any contact but that he had to write an agreement for a set amount of months. He told me directly that there is no early termination fee and I am free to cancel if I am unhappy or just do not wish to continue service anymore. This did not turn out to be true. I cant help but feel a little cheated here because I specifically asked about this and I was mislead.
My family is dealing with a lot of problem lately, a XXXX XXXX, a mother that needs XXXX XXXX and a landlord that do not want to renew our lease. I want to purchase a new home for my family which can help them be in a comfortable state, the reason why I am currently trying to rebuild my credit, but this Agency is preventing me to do that for my family. We are in a very difficult situation and I'm trying to be strong for them.
To resolve the problem, I would appreciate if they can remove the negative reporting on my record.
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| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have made 3 attempts to receive documentation pertaining to the investigation that XXXX conducted as part of their practice to investigate and validate any collection reporting on my credit. XXXX has failed to provide me with documents such as a signed contract by me.
Following below is what I have been demanding XXXX XXXXo provide me with and yet XXXX has failed to provide with with such proof. XXXX has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
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| 12/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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XXXX acct approx. XXXX to XXXX. Several attempts with service problems unresolved with repairmen & {$60.00} modem/router XXXX said we needed to fix problems with my opposition stating that was not the problem. The modem/router did not fix the problem ; with multiple unresolved calls to XXXX to return and get reimbursed for the machine..they could not give me any info to send it to and would not remove the {$60.00} charge from my bill. I tried to return the machine to local XXXX store but they had no way to return it nor any info to help me return it either. I do not know what was wrong with XXXX about this issue. Wrote letter with no response..talked to different departments and supervisors without resolve. The last time the internet was out & reporting it for service once again ; the tech did not show up and XXXX had no records of appointment. I then told the agent to disconnect the service that was totally dead again. The acct should have stopped then with the bogus {$60.00} nonreturnable machine ... but att kept billing me and no resolve with the worthless machine. I still have the machine and packaging. I was shocked by this service from XXXX. I then went to comcast with a higher bill for service. I need a disclosure of verification of debt. Plus this debt has been reaged with false information on my credit report.
|
| 12/05/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I checked my credit report again today and I noticed that this company is still reporting this account on my credit file that has no verification or notices according to FCRA to be on my credit file.
They have not sent me anything in reference to this account they have just placed this account that don't belong to me on my credit file.
Account disputed/ Inaccurate / violation of FRCA : This account is in violation of the U.S Codes listed below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements ( b ) Opt out - provide original copy of notice sent to me 21 days prior to account being updated ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.
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| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts :, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
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| 07/31/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I settled an XXXX XXXX XXXX debt with XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$350.00}. XXXX XXXX XXXX accepted the {$350.00} payment on XX/XX/XXXX ; however, they refuse to acknowledge the settlement. They sent the remaining balance to a new collection agency named XXXX XXXX in XX/XX/XXXX. I disputed with XXXX and sent them a copy of the settlement agreement, so they didn't collect any longer. XXXX XXXX XXXX sent this to a new collection agency in XX/XX/XXXX which resulted in another collection account on my credit report XXXX XXXX causing my score to drop 40 points for a debt I settled over a year ago. I've made numerous attempts to XXXX and XXXX XXXX XXXX over the past year without luck. XXXX says it's XXXX XXXX XXXX 's fault and XXXX XXXX XXXX says it's XXXX 's fault. They each point fingers at each other and no one will take ownership to help resolve. Additionally, XXXX XXXX XXXX complaint and dispute department refuse to provide an email, fax, or address to send proof of the settlement or to make a complaint. The last two managers I spoke with were XXXX employee ID XXXX and XXXX XXXX. I've attached a copy of a reproduced settlement letter from XXXX XXXX they resent to me XX/XX/XXXX from the XXXX settlement and a copy of my bank statement on pages 2 and 5 of 10 will show this amount coming out of my bank account.
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} ENHANCED RECOVERY COMPANY XXXX. XXXX XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX SERVICES XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$560.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$620.00} ENHANCED RECOVERY COMPANY XXXX. XXXX XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX ADDRESS {$0.00}
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| 10/01/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I notified ERC twice about an alleged debt owed to original creditor " XXXX XXXX XXXX '' for the amount of XXXX.
I sent them a letter by regular first class mail back in XXXX of XXXX asking for verification and reporting dispute. They did not respond. I sent a second letter by Certified Mail Return Receipt Requested in XXXX of XXXX requesting a settlement in which I agree with pay a partial amount and they agree to remove the account. They did not respond.
They have failed to respond either time and have since changed the " Date of Last Activity '' on the account on my credit reports to a more recent date -- harming my credit score.
I have contacted XXXX XXXX XXXX directly and no one can validate that any debt belongs to me under my social security number or name.
The company has now violated both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by 1 ) Never sending me an original DUNNING letter that such a debt existed 2 ) Not responding to official requests for validation of said debt nor reporting the debt as disputed 3 ) Updating or " re-aging '' the account on my credit report to make it look current and harming my credit score.
I am in the process of trying to get a mortgage and this score damage has caused me to not be eligible for the best rate. This constitutes actual harm.
|
| 09/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Here is some information about what is going on. Enhanced Recovery Corp has placed items on my credit report that I have no knowledge about.
The collection opened XX/XX/XXXX for {$2000.00} From ERC, with the original creditor is coming up as XXXX XXXX XXXX. I have no recollection of this account. I only recently started using my credit in XX/XX/XXXX. I 've never had a cell phone, cable, satellite TV, house phone, or my own house for that matter. I do n't know how any of this is coming up.
I 've tried disputing through XXXX XXXX dispute feature twice, and they keep sending it back saying the information is accurate. Also through XXXX online dispute, the same thing. Now I did check the address that they had on file and it is my childhood home, but I have n't lived there since XX/XX/XXXX.
The name they had on file originally only matches up with my last name, the first name on their file was never a way my name was spelled, pronounced, or did I ever go by that name. Further more, the name was a masculine version of mine, and also the fake name was also spelled incorrectly. As far as I can tell, they have since then changed it? That name is not coming up in any file I can access online.
This Collection / Derragotory mark has been affecting my life severely, I refuse to pay this collection because it is n't mine.
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| 05/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I was notified by XXXX XXXX that a debt collector had place a unpaid debt to my credit reports. I had never been emailed, written mailed or called about this debt. I called the company and they admitted they did not contact me. They have stated that they will remove the negative report that they unjustly and illegally put on my credit. But have stated that it will take 5-45 days. That may just be too late.
Company information ERC XXXX XXXX XXXX XXXX FL.
XXXX XXXX Ticket number for my case XXXX I have never had a debt collection on my credit. I'm 15 days away from signing for my first home loan. My family and I have already given up our current home. What are we supposed to do if my loan is turned down because of ERC illegally putting this bad mark on my credit.?
My family and myself are devastated. I am a XXXX XXXX XXXX man with a family that depends on me to provide for them. I have XXXX XXXX XXXX and just came out of a pandemic that has made life very hard for people with XXXX conditions This has dropped my credit score over 20 points and I'm not sure I can rebuild it fast enough to continue with my home loan. I could possibly be sue by the home seller and my family and I will be scrambling to find a place to live.
Here 's the kicker the debt was for {$83.00} with a company that I am still a customer with
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
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Please review the correspondence sent to ERC and Credit Agencies this morning. ERC continuously attempts to collect invalid debts. I have received several notices from them, and each time the debt is later removed. I am asking that they be reviewed based on the CFPB guidelines with regard to consumer debt/collections. They continue to violate my rights, and I want them to cease ALL COLLECTION AGENCY IMMEDIATELY.
Good morning, I am requesting that the collection activity for this account cease immediately. I have not had XXXX XXXX in Several Years. When I did have the service through XXXX XXXX ; all bills were paid, and all equipment was returned. I had a remarkably similar issue through your collection agency regarding XXXX ( another Cable Company ). That was removed immediately at the direction of XXXX XXXX, Senior Vice President of Operations, as the collection was not VALID. Again, I asked that you remove from your collection activity. If you can not do so, please have Mr. XXXX contact me directly at XXXX.
Confirm New Collections Account A collections account from ERC was added to your credit report on XX/XX/XXXX
CREDITOR INFO ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT TYPE Collection Account DATE OPENED XXXX XXXX, 2020 BALANCE {$200.00} ORIGINAL CREDITOR 11 XX/XX/XXXX
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| 03/18/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Back in XX/XX/XXXX I filed a complaint on XXXX who was trying to collect on a account that I had already settle and paid the amount that we settle on. XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/XX/XXXX for {$1000.00}. I ask XXXX to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}. The company now has now sold the debt to another company. I already settle on a amount with a different company which has been paid! Now they have resold the debt making it like I havent paid anything! This account had been detrimental to my credit score and has prevented me from obtaining financing! I again ant the account removed and marked paid in full I have paid the money that I have been asked for!
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| 05/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
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When applying for a mortgage I discovered a debt listed on my credit report that I do not believe I owe.
The account was for {$110.00} from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was dated as being opened in XXXX.
I sent a letter to XXXX XXXX asking that they provide me with the amount I owed, the name of the creditor to whom the debt is owed, verification of the debt, and proof they were licensed to collect the debt. They failed to respond to my letter and I filed a dispute with all three credit bureaus which resolved in my favor and the invalid debt was removed from my credit report in XXXX of XXXX.
Recently I received an alert from my credit monitoring agency and they informed me that this debt has reappeared on my credit report under a different company.
Enhanced Recovery CO of XXXX XXXX XXXX, XXXX, FL XXXX is reporting that I owe them {$110.00} and they set the date of the collection as of XXXX/XXXX/XXXX instead of the previous XXXX date in attempt to prolong the duration this invalid debt would stay on my credit report which I believe is a misrepresentation of the debt and a violation of the Federal Fair Debt Collection Practices Act. Enhanced Recovery CO has also failed to send me an initial communication as required by the Colorado Fair Debt Collections Practices Act.
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| 09/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. I have never received collection calls from this debt collection agency. Later, I was able to get this information updated and even placed a fraud alert on my credit report. I have been in communication with the debt collection agency XXXX XXXX XXXX ( ERC ) constantly advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. ERC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). ERC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously, and hurt my ability to obtain credit.
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| 05/03/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX was a company that I utilized for less than a month. Just like XXXX XXXX XXXX it was company that I purchased from in store and was lied to. The retail location had reviews from every where that pretty much everyone went through what I had. Service was continually bad in my location at the time of zip code XXXX in XXXX and continued dropped calls when my then employment was based off my cell phone and being able to utilize it properly was tarnished I cancelled and yet again attempted to return the devices. One device was certified pre owned and upon bringing it home we had discovered the employee hadnt done his job and you couldnt hear the other person on the call. And according to the terrible rep were were sold it as is and were stuck with it. We ended up cancelling a few days later when my brand new at the time XXXX as mentioned earlier couldnt keep connection to another call even in an emergency and also couldnt connect to the internet anywhere in my town without XXXX. It was done in good faith to try to return both phones and, again both were rejected. Also this happened in XXXX and this rotten collection agency keeps reporting it as brand new debt which is illegal and harrowing and incorrect. The only thing not clearly defined in the CFPB/ XXXX rules is harassment. And this has been devastating.
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| 05/15/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Hello, I hope this message finds you well.
Enhanced Resource Centers have been unwilling to provide any Account Verification details with me whatsoever.
I had sent them a Certified Mail Debt Validation Request, and the address that is on file for them on my XXXX Credit Report, and the address that the representative I had spoken to provided me with is the address which I sent the correspondence to. The correspondence was returned to my address with a statement from USPS stating that this parcel was not deliverable as addressed and it was unable to get forwarded either. This is deeply concerning to me. As not only they refused to provided additional details, the address on file for them on all of the platforms is incorrect.
Please see the attached files for all of the proof that I have with this statement.
Furthermore, after speaking with them on the phone they would not give me any details other than what is inaccurately listed on my XXXX Credit Report.
Please help me, as this derogatory remark on my Credit Report is causing tremendous stress and making me lose out on several career opportunities due to the nature of my field as a XXXX. I am hoping that the evidence I have provided is sufficient to close this account and remove this derogatory remark from my credit report.
Thank you so much.
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| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by ENHANCED RECOVERY CO LLC. While checking my credit report, it came to my notice that ENHANCED RECOVERY CO LLC has furnished an account XXXX on my report.
According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by ENHANCED RECOVERY CO LLC will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.
Any further contact by your Agent or ENHANCED RECOVERY CO LLC, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
If you do not cease communication a lawsuit will be commenced against you.
Thank you for your cooperation
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| 06/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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{$410.00} is the amount that the collection agency with the business name of ERC is currently trying to collect from me. I do not agree with that amount, for XXXX wrongfully biilled my family for early termination of mobile phone contract fee of {$200.00}, which we refused to pay, and now the amount is {$400.00}. When i called ERC they failed to disclose where the other {$210.00} in debt originated from. I think it is necessary to get the documentation showing that they are the appointed collection agency that is collecting on behalf of XXXX, and to disclose documentiation to me that shows what attributes to the {$410.00} in debt, for what I understand is that only {$200.00} should have been billed for the early termination fee of contract, and not {$410.00}.
Can you contact the collection agency and explain to them that they need to show.
1. proof of having the right to practice as a collection agency in california , i would like to see this 2. proof of the debt that they now are collecting from XXXX, a document stating the amount that I owe and what i am being billed for Without these documents I refuse to pay any money to ERC.
Please let them know if they do not show proof, they need to delete the debt from my credit report.
Thank you.
COLLECTION AGENCY NAME AND ADDRESS ERC XXXX FL | XXXX XXXX
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| 07/09/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I disputed this enhanced recovery corp account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
enhanced recovery corp failed to validate this account. This account need to be removed immediately. enhanced recovery corp is violating the laws. There are two accounts from Enhanced recovery corp on my credit that needs to be removed.
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| 05/18/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Enhanced Recovery Company is trying to collect a debt on behalf of XXXX for the amount of {$1300.00}. It's reporting on all three of my credit reports as a collection account. Account # XXXX. They verified the account but has yet to send me proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent of such proof, they must correct any erroneous reports of this past debt as mine. They have threatening me over the phone using abusive language which is a violation of the FDCPA.
I have writing Enhanced Recovery to request that they please provide the following information : 1. Please provide evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is their authorization of law for your collection of information?
3. What is their authorization of law for your collection of this alleged debt?
4. Please evidence their authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
They have yet provided this information which is in violation of the FDCPA
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| 01/28/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On or around XX/XX/2016 I was involved in an accident was XXXX. Once I was able I immediately contacted XXXX XXXX XXXX in an effort to return their equipment. I was advised that I was " too late '' as 15 days has now passed.
I explained the situation and still want to return the equipment, but they refuse to speak further with me and instead are poisoning my credit report.
I do no owe XXXX XXXX XXXX and now they have turned me over to a debt collection company called XXXX XXXX XXXX that is poisoning my credit report and causing me damage in obtaining favorable credit terms and emotional distress.
I have obtained XXXX XXXX XXXX XXXX on an unrelated matter, but they have advised me they will step in if my efforts to get this taken care of in a voluntary manner fail.
Along with this complaint I am filing a Complaint with my State 's Attorney General and have been told I have a cause of action under the Arkansas Deceptive Trade Practices Act.
However the most disturbing is that I want to invoke the arbitration clause in XXXX XXXX XXXX XXXX contract and they refuse to send me a copy of my contract. I have been assured by XXXX XXXX they can compel the production and then I will immediately arbitrate against XXXX XXXX XXXX and their collection agency.
Please help me get this resolved.
Thank You!
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| 05/15/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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company : XXXX collector : XXXX XXXX/ERC REF # XXXX I use to have XXXX phone service & switched over to XXXX XXXX in XX/XX/XXXX.
Upon checking my credit score I found this negative mark on my score ( {$700.00} ) .First of all, I had no outstanding debt with XXXX or they wouldn't have switched me over to XXXX and given me the unlock code for my phone to switch over.
I assume this was a discrepancy found later, which leads me to believe of identity theft.The other scenario I believe would be that they made a mistake and recharged me for a phone i purchased long ago and have a receipt for ( justifying a XXXX price tag ) .Another one is that they kept charging me after I switched over. I don't know, I'm guessing, since I can't talk to XXXX about it ever since they sent it to collections.
Another point is that collections never contacted me, ever.
I contacted them when I saw my credit score on XXXX XXXX, very strange for a collections agency.So this comes as a surprise 4 years later.
In summary- i don't owe this debt, it is a mistake XXXX would not have transferred/ given unlock codes if I owed this and never mentioned anything.
i can't talk to XXXX directly about the matter.
ERC XXXX credit never contacted me and does little to resolve the matter except bill me the amount.
Thank You -XXXX XXXX
|
| 11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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I had XXXX service when I moved to North Dakota in XX/XX/XXXX. When I arrived in North Dakota, I discovered that my service no longer worked. I call customer service only to find out that XXXX could not provide service in North Dakota. XXXX sent me forms to fill out so that I could return my equipment and told me that I would not be charged for the equipment or service since I arrived in North Dakota since they could not provide service. I was given an amount to pay that would bring my balance to XXXX and assured that I would not be charged any additional amounts. I returned the equipment and paid the bill as instructed, but continued receiving bills for additional service charges. I call XXXX and was informed that their system simply had not been updated and that I owed nothing. Eventually the bill stopped coming, so I assumed everything was corrected, however, in XXXX, I found that XXXX placed the account with collections. I paid the collection account as a matter of eliminating the nuisance of collection, but now find that XXXX XXXX is reporting a collection tradeline on my credit report and is refusing to remove it. This account should never have been placed with collection and the collection tradeline is causing material harm to my credit and is preventing me from obtaining necessary financing.
|
| 04/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I am lodging a formal complaint against ehanced recovery company. This debt collection company has violated my rights and the XXXX. I recieved a dunning notice from this company in XXXX of 2014 advising me i had XXXX days to ask for validation on a XXXX account i have no knowledge of having for a horrific amount of {$1000.00}, i immediately sent them a debt validation request within the XXXX days, which was sent via XXXX certified mail with return reciept. enhanced recieved my validation request i have the return reciept and copy of the debt validation letter, which i will keep for my records. Enhanced recovery intentionally ignored my debt validation request, instead of validating the debt, enhanced recovery reports this negative debt to the XXXX major credit reporting agencies, which in return has damaged my excellent credit. I want this negative account deleted from my XXXX credit reports immediately!!!!!!!! I will also be filing complaints with my XXXX attorney general office, and XXXX attorney general office!!!! I Have done my research on this company, and found out this is normal for them too do. They have numerous negative complaints for their deceptive business practices. Please do not continue to let this company think they can continue treating consumers like XXXX! Thanks for your time!!!!!!
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| 02/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
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I have been disputing an alleged XXXX cell phone debt assigned to ERC for the past several months. ERC has yet to provide any real evidence or contracts of said debt bearing my signature and I have contested it.
I just received an anonymous phone call from a gentleman in Ohio claiming he received copies of billing statements and a letter from ERC with my name, last four of my social security number and my current cell phone number. This gentleman claims he is getting harassed for owing the same debt showing my name and this debt is being credit reported on his credit as well!
ERC has some serious paperwork issues and is now sharing my private/personal information with a unnamed man on the other side of the US. I have reported the neglectful communication tactics to CFPB several times as well as the California Attorney Generals office and would like a full investigation on this account and records of correspondence.
The original letter of right to dispute was never sent to me directly but was wrongfully sent to a relative of mine in XXXX, now, my personal information is being mailed to annonamous people in Ohio. This is very concerning.
Something must be done as I am now afraid that my information is being passed around to the wrong people and can potentially end up in additional credit fraud.
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| 11/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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The Company XXXX XXXX XXXX posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with XXXX XXXX XXXX they have purchased a debt without me being involved in the transaction. This is a duplicate account pursuant to 15 USC 3002 I am a natural person You are a Third Party Debt Collector, who appears to be fraudulently claiming authority of this XXXX XXXX to administrate for the me XXXX XXXX.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I 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 I XXXX XXXX. Courts require your contract for jurisdiction.
I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
|
| 11/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
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XXXX XXXX XXXX SENT A LETTER TO MY HOME WITH MY NAME & ADDRESS TO COLLECT A DEBT NOT OWE BY MYSELF! I THEN TOLD THEM DO NOT SEND ME ANY DEBT THAT I DO NOT OWE PERIOD! FOR A HOME THAT IS NOT MINE WITH THIER XXXX EQUIPMENT AND DO NOT USE MY NAME OR ADDRESS. XXXX XXXX XXXX, XXXX. I FILED 2 COMPLAINTS WITH FLORIDA OFFICE OF FINANCIAL REGULATION WITH ENHANCED RECOVERY CO XXXX COMPLAINT # XXXX. THAT COMPLAINT WAS 6 TELEPHONE CALLS TO MY TELEPHONE NUMBER XXXX WHICH ONE WAS @ XXXX AND SIX DIFFERENT INDIVIDUALS ON THE PHONE NOT IDENTIFYING WHO THEY WERE AND WHAT COMPANY THEY REPRESENT FROM XXXX FLORIDA WHICH I SOON FOUND OUT IT WAS ENHANCED RECOVERY CO USING A FALSE NAME AS XXXX THEN XXXX/XXXX/XXXX ERC SENT ME A LETTER TO MY HOME WITH A FORGED SIGNATURE OF MY NAME PRINTED AND ANOTHER ADDRESS AS TO WHERE XXXX PUT THERE EQUIPMENT AT WHICH IS NOT MY ADDRESS I CARRY XXXX XXXX SINCE XXXX AND NEVER HAD XXXX @ XXXX XXXX XXXX WS FL XXXX. ALL PARTIES USING MY NAME, MY PHONE AND MY ADDRESS FOR FLAT OUT FRAUD WILL HAVE TO ANSWER! XXXX SHOULD HAVE TAKEN PROPER ID WHEN CONTRACTING WITH ANY INDIVIDUAL WITH THE CORRECT ADDRESS NAME OF THE PERSON THAT THEY ARE DOING BUSINESS WITH. I DID TELEPHONE THEM AND TOLD THEM THAT INITIALLY XXXX XXXX AND XXXX/XXXX/XXXX WITH ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX, FL XXXX.
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| 07/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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Hi, My name is XXXX XXXX XXXX XXXX - Original Account # XXXX had an account with XXXX XXXX XXXX for a mobile line, back in 2011. They started raising their prices so I closed the account and paid off what I was told.
Four years later, XXXX XXXX XXXX reported this account as none paid, to a collection company named " Enhance Recovery company '' ; which reported this account to the major credit bureaus as none paid and damaged my credit in a greatly manner! ERC did not contact me by phone or mail. When I recently contact them ( ERC ), they told me that they were trying to contact me to the phone number that was given by XXXX XXXX XXXX, which I closed back in 2011, so would they contact me? Now, that BAD account will be in my credit report for many years.
Just this pass week, I called them and I settled a payment in full to get rid of this account. However, they said ( XXXX XXXX XXXX and ERC ) that they can not erase it form my credit account. Is there any way that I could do that? I would appreciate if any company could get in touch with them and inform them that is not right just to damage someone 's credit with out any contact with them. Below, is ERC information:XXXX XXXX XXXX.
XXXX, FL XXXX ( XXXX ) XXXX Toll XXXX Hours ( Eastern Time ) :XXXX XXXX XXXX advance, thank you so much for your time.
|
| 04/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I received a letter on XXXX XXXX, 2015 about a collection account from XXXX that was placed with Enhanced REcovery and I 've never had XXXX so after speaking to a representative she stated she would be sending the account back to XXXX office as a fraudulent account and once there had been an outcome, I would be notified. I never heard anything from XXXX nor Enhanced Recovery so I assumed the account had been resolved through the fraud department of XXXX. I never lived at the address on file for this account nor did i ever give anyone permission to use my social security number to obtain services in my name. This account was originally with XXXX XXXX 2 or 3 years ago and I disputed it and it was deleted immediately due to the account not being mine. I tried to refinance my vehicle and because there was a brand new collection reporting with this company I was denied for my loan and they they wo n't pull my credit again for another 60 days. I want this account deleted immediately due to never being notified of the ressolution of my fraud dispute before randomly reporting the accountto the credit bureaus. Also after speaking with Enhanced Recovery today I notified that it was no longer with their office and had been sent back to XXXX XXXX so there is no reson for it to be on my report as of today
|
| 06/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
In the past, I have complained about Enhanced Recovery making entries on my credit report for a debt that I have no knowledge of. Initially, the company did what they said they would ; remove the entry & have no further contact. However, on XXXX/XXXX/XXXX, I received another credit alert ... A new account with Enhanced Recovery, for {$900.00}. To date, I have yet to receive any form of a debt verification letter, or any attempt to contact me directly regarding this alleged debt. After reviewing my credit history, Enhanced Recovery has attempted to extort money from me, via illegal entries on my credit report, for the following amounts : XXXX/XXXX/XXXX, {$1700.00}. XXXX/XXXX/XXXX, {$280.00}. XXXX/XXXX/XXXX, {$900.00}. XXXX/XXXX/XXXX, {$900.00}. Enhanced Recovery is a company that tries to illegally extort money from people that do not owe money in the XXXX place! This operation would be a fine target for a federal investigation and, a great place for a class action lawsuit! Negative entries on my credit report MUST be removed immediately! When Enhanced Recovery wants to operate within the legal boundaries of their practice, and send a debt verification notice, I might be willing to have some form of dialogue with them. Until then, they need to stop trying to play this ridiculous game with me!
|
| 09/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 03/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting This account had been settled years ago. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
|
| 07/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
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I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$76.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices.
Documents verifying this debt have never been provided to me and the main reason for that is, they do not exist, but if they do, as you should know, you have 5 days to provide them to me In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the licensure, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.
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| 03/31/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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This is the third company that has tried to collect on this debt. Each time the amount of money they say I owe increases hundreds of dollars. I have contacted XXXX each time someone tries to collect this debt and they say they have no idea that I DO NOT OWE THEM MONEY NOR HAVE I EVER HAD ANY ACCOUNT WITH THEM. they say that they never placed my account for collection. I have sent two validation demand letters to this company demanding that they show me proof that I owe this money, since XXXX themselves have no idea about the debt. The have ignored each request. I have sent a cease and deceit letter and yet they still call me. They had thirty days to provide validation which they refuse to do. I gave them two chances they refused. I sent a letter demanding they stop calling and they said when they called that they do n't have to abide by that letter. They said I owe the money and that they will either sue me for it in Florida forcing me to drive there to defend myself since I live I Ohio or they will press criminal charges against me for fraud and just have me arrested. Everything about this is illegal it violates the Fair Debt Collections Practice Act and the Fair Credit Reporting Act. They are purposefully re aging this account by selling it back and forth so it stay on my credit report.
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| 01/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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The credit bureaus are allowing the below actions from Enhanced Recovery Company to take place illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA.
The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then Enhanced Recovery Company continued collection activities on my accounts in violation of section 809 ( b ) FDCPA.
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt XXXXollectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA..
ENHANCED RECOVERY COMPANY Last reported XX/XX/XXXX {$80.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
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| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My Credit report shows : " Paid. Closed. '' ( This language INACCURATELY represents the account, as the account has actually been " Paid In Full. '' Moreover, ERC ( Company filing complaint against ) has even provided a letter showing so. Please see text copied from original PDF below : In addition, I have requested the account be RECALLED and DELETED from my credit report. The Original Creditor has also confirmed the balance as XXXX DOLLARS.
PDF Text of Payment Letter : XXXX XXXX XXXX Mispelled first name ; should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX.
XXXX, FL XXXX ( XXXX ) XXXX www.ercbpo.com/help Office Hours ( Eastern Time ) : XXXX XXXX XXXX XXXX M Th XXXX XXXX XXXX XXXX F XXXX XXXX XXXX XXXX Sat.
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance Paid : {$410.00} Reference # : XXXX XXXX XXXX : This is to inform you that we have received payment ( s ) totaling {$410.00}. Your last payment was received in our office on XX/XX/2017. The above referenced account is paid in full.
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this offer ; if any payment ( s ) made as part of this agreement fail to clear, this letter will be null and void.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
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| 02/02/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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i had phone service through XXXX,8 lines to be exact, i was a XXXX customer for about 12 years at the time.our service was interrupted for some technical reason, i was told it was a down tower.the problem was we had absolutely no service at all and our business suffered for approximately 4 days.we had to drive 13 miles to be able to place or receive calls.i reported the problem and was told it would be corrected quickly.it was not so i cancelled all services and went to another carrier.i have saved the email correspondence between myself and XXXX.they still put it on my credit report and it almost prevented me from purchasing my home in 2014.my mortgage company informed me that in order to finance my home, i would have to write a check for this debt at closing for the home purchase.i then remembered about the emails and forwarded to the underwriter who then decided i did not have to pay this debt since it was not my fault.i puchased my home and now i want this debt removed from my credit report.it is bogus and absolutely not my fault in any way because i will say that to this day, i refuse to pay for it since i did not cause the problem.i was greatly inconvenienced because of this and now i want it to be made right.thank you for your attention to this matter, i have attached the emails.
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| 06/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was alerted by my credit monitoring that a collection account was placed on my XXXX XXXX credit report indicating I owed XXXX XXXX XXXX for XXXX. I have never had any type of service with XXXX XXXX XXXX. When I contacted the collection company, Enhanced Recovery Company ( ERC ), I was told that the address on the account was XXXX XXXX XXXX. I have never lived at that address. ERC never attempted to contact me in order to resolve this situation before it was unlawfully placed on my credit report. My address is XXXX XXXX XXXX XXXX Ga, XXXX. This has been my address since 2003. I attempted to explain this to ERC and the representative was rude and could not provide me any documentation to support their claim. I then contacted XXXX and they stated they had nothing on file with my social security number, and I did not owe them. I again contacted ERC to explain what XXXX XXXX XXXX told me, however once again they did not provide me any documentation to their claim. I asked to speak to ERC 's research department and they stated they would not contact me.This has come at a time when I am in the process of Refinancing my mortgage. ERC has violated my rights and will cost me financially by illegally reporting a collection account which they have fradulently reported to the credit company.
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| 03/24/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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ERC XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 To whom this may concern, I am disputing the debt XXXX XXXX XXXX XXXX XXXX account with account number XXXX.
ERC is trying to collect on is a clerical error. When I discontinues service with XXXX, I returned all equipment. Later I got an email saying I owed XXXX {$110.00} for equipment. I went back to XXXX, spoke to the same comcast representative that I had returned equipment to. He said it was a clerical error and that he would fix the error. I believe XXXX is engaging in unlawful business practices, i.e. ; creating a fictitious debt writing off the debt and selling the debt to third party collections. I am going to send a copy of this letter to www.cfpb.gov/debt-collectionlaw. With a note that says once these practices reach critical mass I want to be included in the class action lawsuit against XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX How do you want to respond?
Check all that apply : x I want to dispute the debt because I think : This is not my debt.
The amount is wrong.
x Other ( please include additional information ).
I want you to send me the name and address of the original creditor.
I enclosed this amount : $ ____________ Make your check payable to ERC. Include the reference number XXXX.
Sincerely, XXXX XXXX
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| 09/07/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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Hello I have ENHANCED RECOVERY COMPANY which is under XXXX, I have returned the equipment they have asked me for and they only took off XXXX when it was suppose to be XXXX. I asked XXXX multiple times to send me exactly the bill so I can see why I owe as much when they disconnected my phone so I shouldn't be charged for those month I didn't have service I wasn't on a contract or anything so I am so confused on why my bill is so high. I spoke to a lot of people to see and no-one is able to send me bills proving i owe this money. I have interaction code XXXX, INTERACTION XXXX, Interaction XXXX Every time I call there is a different story first it took them a year to send me a return package they told me that I was able to drop my phone off at XXXX but every XXXX store I went to they said they were allowed to take my phone, Its just so much run around and false communication on there part. They try to charge me for a XXXX that I didn't even have with them it was a unlock phone. This is the second time I've had problems with XXXX my last account I had with a spouse I paid my balance so we can take each other off which was XXXX $ I don't think its fair I have to do this again because I didn't care what i spent i just needed a phone that's why this time I will not just let it slide.
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| 05/04/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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Enhanced Recovery Co XXXX incorrectly reported the origional deliquency date from the origional account that it reported to the credit bureau. Deliquent accounts are to remain on an individuals credit report for a mere 7 years. The origional date of my delinquent account was late XXXX, however Enhanced Recovery Co XXXX has it dated for XXXX XXXX, XXXX and at one time I had two collection agencies, with Enhanced Recovery Co XXXX being one of them, open on my credit report for the same debt. This type of faulty information negatively affects my credit report. Federal law requires that collection agencies report the origional delinquency date from the origional account. This debt was incurred by XXXX XXXX XXXX XXXX and was a result of failed contractual agreement. I signed into a contract with the company for a monthly fee in exchange for cell phone service. When my cell phone failed to get reception because of the city where I lived during that time, I called to advice them on their failure to provide the service I paid for. They adviced me a tower would be built in the next 2 years, this was in XXXXI was forced to switch companies given that I was paying without receiving service. The debt was the cancellation fee of contract breach, even though they in fact breached the contract.
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| 07/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I 'm currently in the process of rebuilding my credit and have been combing my reports when I came across a collection for an old Internet account back in 2011. I filed a debt verification letter with the collection agency at the XXXX of this month. I received a response the following day, during which they said the account status had been updated and it was placed in an " investigatory status. " When I checked my credit reports XXXX XXXX, my XXXX report shows this debt meets the guidelines set forth by FCRA. On my XXXX report, it shows the debt as being disputed. First and foremost, I never actually disputed the debt. I simply asked for a verification of the debt.
I called to speak with the original creditor this morning, giving them the account number listed, my social security number, my name and former address the account was listed under and every other piece of information needed. After spending more than XXXX minutes on the phone with them, I had XXXX separate account receivables professionals tell me there is no record of any account or debt with my listed information in their system at any point.
That tells me the collection agency simply ignored my debt validation letter or rubber stamped it because the original creditor does n't have anything listed for my account.
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| 03/31/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/2021 I made a {$200.00} payment to XXXX XXXX XXXX XXXX. A couple days later my credit card company sent me a fraud notification that someone was trying to use my credit card in another state. So I canceled my cards and ordered new cards and made sure the banks were aware of the fraud. Well the payment I had made a few days prior mistakenly got marked as fraud XXXX XXXX XXXX stated that they sent the {$200.00} back to my bank. However, the money was never sent back to the bank. I then made the payment again a couple weeks later to cover the missing money so my service wouldnt be interrupted. They never gave me my {$200.00} in my bank account nor did the take the amount off of my bill. Then a couple months later I canceled phone lines with a XXXX XXXX XXXX representative on the phone but they continued charging me for cellular data for one phone that wasnt even being used on their services anymore, Ive contacted them on several accessions to try and resolve these issues but I keep getting the run around. I even recently spoke with a rep and said I wanted to start services back up again then they started acknowledging the problem but still not giving a proper solution. I have all of my bank statements to prove that XXXX XXXX XXXX never sent my money back into my bank account.
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| 05/04/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The company is XXXX. I had XXXX for about 12 years maybe more but in 2017 I took my phone into the store to get it fixed however because my contract was over the clerk insisted that it would be cheaper for me to just get a new contract. I said no at first because I was already in the market for a less expensive monthly payment. The clerk was very adamant on how my monthly payment would be way less then I was currently paying. Because I had been with XXXX for so long, I agreed, thinking that I would be paying less. my first months bill was way higher then what I normally paid with the old phone and after 2 more months of high charges. I decided to go back to the store and cancel the contract. Of course when I got there they had a different attitude.. there was no way I would pay less the clerk said and my only option was to cancel the contract and turn in the phone. a couple of month later I started receiving calls trying to collect on the price of the phone and the early cancellation of the contract. The manager of the store took the phone from me but yet they want to collect on a phone I returned ... they want to collect on a contract that was falsely sold, just so the clerk can get a commission. They reported me to the credit bureau. shame on XXXX! they should be reported too.
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| 04/03/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 08/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American, Servicemember |
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Monday morning XX/XX/23 I received a phone call from a Lady who claimed to be with ERC Collections telling me that they were attempting to collect a debt that I owed XXXX ( company that provides telephone service ) {$750.00} for a past due phone bill. I told her this bill was fraudulent because I have not ordered any service or items from XXXX. She told me they would send me information how to make a stolen identity fraud report to them. I don't use XXXX for my phone service. I use other companies that are more reputable and don't overcharge their customers. In the past few years XXXX has sent me Three fraudulent bills. The first one came directly from XXXX. The second fraudulent bill came from XXXX collections, and this fraudulent bill came from ERC collections. The first two fraudulent bills were cleared through the State Attorney General 's office and the XXXX XXXX XXXX. I am taking the same action on this third bill but I thought to start taking more serious action by notifying the Consumer Financial Protection Bureau. I feel these companies should be held accountable for sending out Fraudulent bills to XXXX XXXX XXXX XXXX. I also feel these companies are trying to steal money from people that do not owe them money. Can the Consumer Financial Protection help in this matter.
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| 01/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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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 : 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 this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 03/25/2019 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX and Enhanced Recovery Company have both simultaneously reported the same collection of {$290.00} from XXXX on my credit report. They have both been disputed for inaccuracy in reporting and never having given notification of the debt in the first place, and I have had the collection removed from my accounts multiple times : Per XXXX XXXX : In XXXX of XXXX XXXX XXXX was removed from my XXXX report In XXXX of XXXX Enhanced Recovery Company was removed from my XXXX report In XXXX of XXXX the same collection from Enhanced Recovery Company was removed from my XXXX report At a date unknown the same collection from XXXX XXXX was removed from my XXXX Credit report In XXXX a dispute was filed with XXXX against the collection from Diversified Consultants. Per Experian, the debt was removed by XXXX XXXX. In XXXX of XXXX, the debt was added to my XXXX credit report by Enhanced Recovery Company, 3 years after it had been removed from XXXX twice, XXXX once, and removed from XXXX voluntarily.
I have been making a concerted effort to repair my credit. I believe XXXX XXXX has been monitoring my credit. It is my honest opinion that XXXX XXXX has maliciously re-inserted this debt, after it has previously been removed several times under dispute, in an attempt to damage my credit.
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported. I also need original creditor info and alleged date account opened and closed with them. Also need information if any and all other creditors whom attempted collection on this alleged debt and how much debt was sold for and date sold, these are my rights under fcra. This collection was removed from XXXX but not XXXX or XXXX.
I consumer and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX XXXX XXXXXXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
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| 09/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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In XX/XX/2017 we changed cell phone providers from XXXX to XXXX. During the 14 day return policy we switched back to XXXX and returned the phones to XXXX. After a month or two received a bill from XXXX regarding the cell phones not being returned to the XXXX XXXX store in XXXX MD. I called the store and asked them about the phones in which they proceeded to say were not returned. I asked to see the camera footage and spoke with the manager of the store who advised me that they could not let me see this video to prove that the phones were returned.I then started calling XXXX XXXX for 6 or 7 months to find out where the phones were after they told me they were investigating they never found the phones and nothing was done to the store to reprimand or make sure that corporate could see the footage. Now XXXX XXXX has sent me to collections with Enhanced Recovery for {$1300.00}. XXXX XXXX has on record numerous calls made by me to resolve the issue after it happened and has sold the debt to enhanced recovery which is not owed. There is no bill for the acct other then the phones that were returned and were lost or misplaced by XXXX XXXX. I tried both store and corporate to get the issue resolved and still is showing on my credit report for something I did not owe and was returned.
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| 01/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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XX/XX/XXXX I received an alert from my credit reporting agencies that Enhanced Recovery Co L had reported a derogatory account on both XXXX and XXXX. The debt was for XXXX XXXX XXXX in the amount of XXXX. I had not received any mail or calls from this company regarding the debt. I disputed the debt with both reporting agencies. The debt was deleted from both agencies XX/XX/XXXX.
The debt was a mistake on the part of XXXX XXXX XXXX. We had discontinued our service and closed the account. XXXX had paid XXXX XXXX XXXX the remaining balance. XXXX XXXX XXXX had continued to charge us after the account was closed. We contacted them and they admitted to their mistake, and made it clear the account was settled and we didnt owe.
On XX/XX/XXXX I received an alert again from both XXXX and XXXX that Enhanced Recovery Co XXXX had placed another derogatory mark on XXXX and XXXX, for the same XXXX XXXX XXXX debt that was deleted from the reporting agencies in XXXX of XXXX. Again, I never received any contact prior to the report to the credit agencies. On XX/XX/XXXX the derogatory mark was deleted again from both agencies. I spoke with XXXX and they informed me that Enhanced Recovery Co XXXX reported the same debt, using a different account number after it was deleted the first time.
|
| 01/25/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
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|
Web |
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I had a XXXX account and it was turned over for collections back in XX/XX/XXXX. I returned the equipment to them in XX/XX/XXXX due to finding them in storage because they were loaded on the moving truck with other stuff. XXXX turned me over to collection company called XXXX and I seen this on my credit report. I filed a dispute on this and explained to them that this had been resolved in XX/XX/XXXX. They removed this from by credit report in XX/XX/XXXX. The amount was {$1000.00}. On XX/XX/XXXX it reported back on my credit report again. I disputed it once again and now it is under a company called Enhanced Recovery Company. I called them and told them to remove this and she said no I cant do that you owe the debt. Explained to her that this was disputed in XX/XX/XXXX and once again XXXX has turned it over to another collection company after it being removed in XX/XX/XXXX because I did not owe the amount. They are falsely reporting account to a collection company and I would like something done about it. I called XXXX and they said they would have to look into the credit and they can not have the account pulled from this new collection company Enhanced Recovery Company. I want something done about this at once or I will be contacting an attorney and the FDCPA will be reviewed.
|
| 04/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notify you that I am disputing this debt in entirety, and you are required to provide me with validation not verification but validition of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account with ALL the information that I requested, then you are to remove the collection account from my credit reports immediately.
|
| 12/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Dear CFPB, I owed XXXX XXXX XXXX for a phone bill for wireless service in the amount of {$310.00} and due to nonpayment my account was suspended on XX/XX/XXXX. I wasn't able to access any service from XXXX XXXX XXXX after my account was suspended including the internet, so it was hard to pay my XXXX XXXX XXXX XXXX bill.
Although my service was shut off, I was sent another bill for another service period from XXXX XXXX XXXX saying I owe {$410.00} on XX/XX/XXXX. I contact AT & T to dispute the amount, however I was later sent to collections.
I eventually paid the collections agency ERC ( Enhanced Recovery Company ) over {$700.00} for the balance of the closed account. ERC sent the negative result to my credit report. It is ( XXXX ) still impacted negatively today ( XX/XX/XXXX ).
On XX/XX/XXXX and on XX/XX/XXXX, I called XXXX XXXX XXXX and ERC both and they say there is nothing they can do to fix the problem that they caused resulting in a negative report on my credit history, significantly lowering my credit score.
I've attached the documents showing : 1. The service suspended ( email ) 2. The extra charge after the service was suspended ( email ) 3. The account being sent to collections ( email ) 4. The total balance after the account was closed ( email ) Thanks you
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I began services with XXXX in XXXX until current day. I noticed recently they reported a collections account on my credit. I have never received any type of notice or anything. It was done in error being that I am still with them. When I did notice I contacted them on XX/XX/XXXX. It took a while for them to locate an account when in fact i am still showing good status with them. I paid the amount they stated I owed from a previous address upon me transferring from one home to another. Normally my balance is transferred in my bill but for some reason it wasn't for this particular balance and I am sure they must have been sending the correspondence to my old address. I contacted them again on XX/XX/XXXX to ask them to correct this on my report as a deletion because this was done in error on their behalf and not mine. I was unaware. I pay my bill faithfully every month and not once did I get a bill for the XXXX. They created a ticket for this. They also stated they are unsure on how to correct this with the credit bureau which that confused me because they reported it. They had me contact the collections agency on three way and both people said they are unsure on how to delete it as opposed to marking it paid. I am requesting they delete this being that this was their error.
|
| 12/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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I received a letter of collection from ERC, this past week, stating I have an outstanding balance with XXXX XXXX XXXX of {$820.00}. I have NOT received a bill from XXXX, for ANY balance. Because of a prior complaint, I filed with CFPB XX/XX/2015 with XXXX and XXXX, I have taken a look at my credit report, I do not at this time see any collection attached from XXXX or ERC. collection.
XX/XX/XXXX, I did have to file a complaint with CFPB against XXXX and XXXX XXXX, XXXX who had placed a collection of over {$400.00} dollars on my credit report. I did not receive any bill from XXXX. after receiving explanation back from diversified thru CFPB, this was recently removed in XX/XX/2015, from my credit. I had spoken with XXXX XX/XX/XXXX, prior to the other problem filed about XXXX and was told I have " No balance with them. '' I do not have XXXX or any XXXX, listed in my name that I am aware of. Also due to the breech with the XXXX my social security number or other personal information may have been compromised.
I would like CFPB to look into this with XXXX and ERC. I do not feel this is my bill. I have NOT contacted ERC because I am concerned, as too their legitimacy. I Do not want to continue to be harrassed by XXXX or any of their collection agencies. This is not my debt.
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
An account was opened with XXXX XX/XX/XXXX it was then forwarded to ENHANCED RECOVERY COMPANY for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as XXXX as ERC and Transunion. This debt was removed from my credit report by Transunion on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the XXXX department which I did. I received an email from a XXXX explaining what she needed to prove the account was XXXX, proof of residency, I.D police report etc. I gave XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX.at this point It believe XXXX knowingly opened a XXXX account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at
|
| 02/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am lodging a formal complaint against enhanced recovery. This debt collector has reported derogatory information on my three credit reports for debt that does not belong to me, and I never received anything in the mail from this company allowing me to dispute validity of these accounts. Which is a violation of the fdcpa/fcra. I must be notified before reporting derogatory Information on my credit reports, which gives me 30 days to dispute validity. I've had the same address all my life and same phone number. I have never had any contact with enhanced recovery. The debts are 2 accounts. One for {$1400.00} to XXXX which I know is incorrect because I've only done business with XXXX since 2006. And another debt for {$180.00} which I don't know what this debt is for. This has been the worst timing ever. I am in the process of purchasing my very first home for my family and I. And I'm being told these errounous accounts are holding my family and I back. I am requesting these accounts be deleted immediately from my credit reports so I can move forward with purchasing my home for my family. I am a single mother of XXXX kids and this is breaking my heart. XXXX, and attorney general complaints will be filed if these accounts aren't deleted immediately. Thank you for your time!
|
| 04/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I am writing a letter of complaint regarding XXXX and Enhanced Recovery Collections Agency. I did have XXXX service 8 years ago but cancelled it 2 years later because I didn't utilize the TV service. I had no recollection of owing any money to XXXX because I always paid my bills. I had not received any notices or phone calls since I cancelled the service over 5 years ago. Fast forward 5 years, In mid XXXX, 2019, the lender alerted me to a collections notice that appeared suddenly on my credit report. It was from Enhanced Recovery Collections for the amount of {$380.00} for a debt from XXXX. It sank my credit score! I called XXXX immediately. They couldn't retrieve any information because it had been so long since I cancelled their service. I called on two separate occassions and on both calls was told to wait a week for a call back from their administration. I never did receive a call back. Meanwhile, my credit score has been held ransom from an unscrupulous collection agency and I am unable to refinance my mortgage. This is criminal to hijack someone's personal identity and ruin their financial credibility! It is about the principle of the matter and I refuse to pay a debt that I do not owe. I wonder how many other people have been victims of this type of wrongdoing?
|
| 04/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2016, this debt for {$650.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
|
| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I moved to a new location and opened a new account for service with XXXX in the month of XX/XX/XXXX. On XX/XX/XXXX I moved in my new apartment and received the XXXX equipment and started my new service with them. When the bill came it was {$260.00} so I called the company to find out why it was so much and the agent in costumer service said it was a mistake and had added an amount from 15 years ago of {$150.00} and should have been charged off so please disregard and a new bill would be sent and so a bill was sent for a lot less, however after that a Derogatory Mark was attached to my credit report for that amount of {$150.00} on XX/XX/XXXX by a company named XXXX XXXX XXXX located in XXXX, Fl XXXX and claim to have opened the collection on XX/XX/XXXX the date stated on my credit report however I've been monitoring my credit report regularly and the Derogatory Mark did not appear until XX/XX/XXXX and reduced my credit from XXXX XX/XX/XXXX to XXXX on XX/XX/XXXX after researching I found it was a bill from XXXX however even so the bill is still way passed 180 days old as much as 4 years 9 months way passed the statue of limitations. It just doesn't seem right or correct to apply a new Derogatory Mark that many years later I'm not sure but legal ramifications may apply.
|
| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received 30+ calls from an automatic system from ERC this week. I spoke with XXXX XXXX and she attempted to collect 3 debts at the same time, and she gave me information about those accounts without verifying my identity before providing that information.
Following account information was provided to me by XXXX XXXX : XXXX XXXX ( Ref : XXXX ) with a balance of {$2000.00} and with last 4 of social XXXX in that account.
XXXX ( Account # XXXX Ref : XXXX ) with {$450.00} and last 4 of social in that account XXXX.
XXXX XXXX XXXX with last 4 of social XXXX.
After sharing with XXXX my intention of filing this complaint, I got transferred to XXXX at the office of the president, XXXX started asking for information without notifying me of her attempts to use all the information obtained to collect a debt.
I explained XXXX that I been harrassed getting several call repetitive and in an inappropriate way. XXXX offered to to place the accounts in Fraud status but I inquired why I should place an account that doesn't have my social security but XXXX refused to answer my question. At the end she started that those are my account without verifying the validity of those account and not having present that the social and address on those account doesn't match with my identity.
|
| 07/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently made a payment of {$230.00} to Enhanced Recovery Company not knowing that I had the right to dispute the account. I was paying to prevent from having multiple negative entries on my credit report. The Collection Agency placed an entry on my credit report before notifying me in writing or allowing me to validate the debt. I pulled my own credit report out of surprise that the entry was made but placed as a zero ( 0 ) balance. I received no notice from the collection agency just paid them without knowledge that it was already listed on my credit. I submitted a certified return receipt letter to them dated XX/XX/2019 validating the debt with no response. I submitted a dispute with XXXX XXXX report they updated the information with no proof of how they verified the entry. I dont have anything with proof that I actually owed that amount & when did this account went delinquency. They are reporting incorrect information. I dont have any information about this account from the Collection Agency that states they are collecting for XXXX XXXX XXXX. I request for documentation or for the entry to be removed from my credit report with XXXX. I have supporting documentation to support this complaint such as the certified letters & letters received from XXXX XXXX XXXX.
|
| 06/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2014, this debt for {$100.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
|
| 09/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was told their company is called XXXX and it stands for Enhanced Resource Center. They say they are looking for XXXX XXXX. XXXX their various phone numbers shows the calls are all coming from a debt collection agency. Every single week for months now, I get calls from their male or female employees asking for XXXX. I keep telling them I do not know this woman, I am not this woman and I have registered the phone number they are calling me on with the Do Not Call registry. I've repeatedly instructed them to stop contacting me. I told them I would begin reporting them to the FCC. Apparently, they aren't worried. Their calls are disruptive. They call me while I'm bathing my elder parent ; they call while I'm in the cemetery ; They call while I'm preparing meals throughout the day. Irregardless what phone number they call me from, all calls from them should have stopped after I informed them I am not XXXX and I want them to stop contacting me. I would like to see them fined for every single call they have placed since I registered my phone number with the DNC registry. I should not be pestered for someone else 's debt. Legislation needs to be enacted so consumers can penalize these rogue companies that flaunt consumer protection laws. Please make them stop calling me.
|
| 11/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Enhanced Recovery Company Corporation Service XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA, XXXX, United States To : The Office of Registered Agent for Enhanced Recovery Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX are 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 Whitney Arielle Findley 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.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 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
|
| 09/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I resolved this issue with XXXX XXXX XXXX already and settled to pay around {$300.00} for a {$570.00} collection. My boyfriend had destroyed the phone and I ended up homeless for months afterwards and didn't pay it for quite some time. The company took my account number to my XXXX Bank account or XXXX XXXX ( I do not have this account any longer so I am unable to provide the statement since it's been a couple years ). They took the payment out and they agreed that it would be removed from my credit score. I went to dispute it because it showed up again on my credit report saying that I owed money once again, it disappeared finally, nowhere to be found for months so I figured that we were done with this situation, and once more it has reappeared on my credit as of XX/XX/XXXX which is significantly impacting my credit score at this point. It has been paid and it was supposed to be removed but it looks like the name of the company has changed as well. If I dispute it again, I want it removed from my credit like it was promised and I don't want it popping up again with a different company name. I will not be paying to settle it again since I have already paid the amount. I will also not be using XXXX XXXX XXXX ever again either because this has been such a huge hassle
|
| 09/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.
Item # 1 : I dispute Enhanced Recovery CO L Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.
Thank you for your prompt attention in this matter.
Respectfully, XXXX XXXX XXXX
|
| 02/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Good morning. As we are trying to buy a house, a delinquent notification of an account showed in my credit report from a company called XXXX XXXX XXXX XXXX. I reached to this company and they told me its a debt from XXXX. I have call over a dozen times to this people and have provided them with the info they have asked several times. My mother was a XXXX XXXX and as I was in the XXXX, she used my information to acquire services under my name, like Cable TV and now this. We didn't know until things started to pop up. She died last year of complications from XXXX/XXXX. I did my investigation and she got this XXXX account because the representative at a mall kiosk in PR was her friend and they used my info for her to get 2 cell phones. That employee no longer works there. I have told them the same thing over a dozen times and provided them with all the information. They said they will take it of my report. This has been going on for a while now and they continue to reach out to me. My credit score went down in a huge way thats to them pushing this in to my report and my house buying process is now at a stop due to this. Please, this is getting overwhelming and as I dig in the web, there is nothing but stories and complaints from this company.
Please Help. Thanks.
|
| 06/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This letter is a formal compliant that you are reporting and incomplete credit information.
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
|
| 10/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, The reason for my dispute is ERC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ERC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ERC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ERC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ERC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
|
| 03/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I believe this is an old debt not owed to XXXX XXXX XXXX from approximately XXXX. I had internet service with XXXX XXXX XXXX and they had authority to deduct payments from my bank account. The consumer shut-off my service and still continued to take the money for several months. I called them regarding this and they still kept taking the money every month. I contacted my bank and provided them with the information for a claim, immediately they put a freeze on the company from removing anymore funds, and started an investigation. The bank concluded the investigation and returned all the funds they had taken for the months my service was interrupted. I returned their equipment via XXXX XXXX and the boxes they provided.
I have spoken with ERC, another collection company, XXXX XXXX XXXX, also the Credit Bureaus to remove this erroneous information from my account. On XX/XX/XXXX I received another letter from ERC to collect a debt not owed. I have made several attempts to rectify this problem and as ERC has purchased a bogus account they feel I should pay anyway, as this has been stated to me. This is unfair practices and the threats need to stop also XXXX XXXX XXXX needs to be sure there isn't a problem with the debt account they have accrued due to their error.
|
| 06/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was contacted about a debt related to a XXXX account some time ago by ERC. I called them back and spoke with a representative who after taking down my name and address and asking a few other questions determined the debt was not mine because I had never lived at the address that was associated with the debt. He also told me that they were reaching out to every XXXX XXXX and I was the only one that had responded up to that point. He told me that he would disassociate the debt with me. Within the last month, I ran a credit report and saw that this debt collection was on my report so I filed a dispute. XXXX said the debt was associated with me and told me to contact the debt collector. When I contacted ERC, they told me the debt was mine and that the address associated with the debt was my current address. My complaint has XXXX parts. First, the debt is not mine and I would like it removed from my record. Second, I am reporting ERC for requesting my address and then associating it with the debt account after telling me that the debt was not mine. The address which was originally associated when I was first contacted is not the address they now are saying it is. If I had not given them my current address the address on the debt would not show my current address.
|
| 05/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Enhanced Recovery Company , LLC, Doing Business AS, ERC at XXXX XXXX XXXX, XXXX, FL XXXX notified me of a bill from XXXX XXXX XXXX - Account number # XXXX on XX/XX/2018. At the time, the balance was {$520.00} with no interest charges, or fees/penalties. If not paid, the summary would reflect " No payment arrangements on file ''. If paid, the summary would reflect " Paid as agreed '' per our phone conversation and written notice. I paid the account in full ( I have provided the letter as an attachment ) stating, they received the payment of {$520.00} and on the date XX/XX/2018 they required- and goes further to state the above referenced account is " Paid in full ''. The person of reference in the letter is XXXX XXXX XXXX ERC. However, they reported to Experian credit report that the payment was late, which has damaged my XXXX XXXX. I want them to remove this erroneous information from my credit report by supplying a letter to them, indicating this bill was " paid in full- as agreed '' immediately, as what they reported is erroneous and have violated my consumer rights under the Fair Credit Reporting rules. I have disputed this information twice with XXXX and they have failed to try to get accuracy or remove despite my communication and proof of documentation,
|
| 06/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
In XX/XX/XXXX, upon reviewing my credit report ( s ), I was alerted that Enhanced Recovery Corporation had reported erroneous and negative information. I immediately sent a letter on XX/XX/XXXX requesting proof of debt under Fair Debt Collection Practices Act, 15 USC 1692g, Section 80b Validating Debts to include how the alleged amount was arrived at. After no response a month later, I sent another letter on XX/XX/XXXX and again XX/XX/XXXX. In that timeframe I disputed with the CRA 's to include XXXX, XXXX and XXXX. They returned with Enhanced Recovery confirmed alleged debt. That is impossible as they have neglected my direct requests for nearly 3 months. Finally on XX/XX/XXXX, I once again sent the request to Enhanced Recovery along with all the previous letters I sent. To this day, the erroneous and negative reporting continues to damage my credit. This is in direct violation of FDCPA and by Enhanced Recovery to continue reporting monthly is a form of collection activity which is not in compliance with FDCPA laws and they are once again in direct violation of those laws set forth to protect the consumer. I have exhausted my time and attempts to request they comply with law. It is now 8 months later and for 8 months they have continued to damage my credit.
|
| 05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company claims that I have a balance of {$240.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit bureau ( XXXX ) asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the debt was verified as accurate. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows charter communications as the original creditor but I never had an account or a contract with them. I want this debt validated and I also want the original contract with my signature on it sent to me by XXXX mail, if there is an agreement to pay between me and this company I also want to see the original document. This account has also been re aged which is also a violation of the FCRA.
|
| 08/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
i married and moved and transferred my XXXX service to my new home. I assumed that any bill remaining would transfer to my new account. after a few months i received notification from XXXX collection agencies about my XXXX debt from XXXX. XXXX XXXX and Enhanced Recovery were both attempting to collect the past due amount. I made serveral calls to XXXX, XXXX and Enhanced and almost immediately both XXXX and Enhanced reported the same debt to the credit bureaus. I know that XXXX collection agencies can not collect the same debt. I now made hundreds of phone calls to all parties to say i was always willing to pay this previous past due amount that i was not aware that i had until i received notice from XXXX collection agencies. after numerous phone calls about his misunderstanding, XXXX agreed to remove my trade line and that I should now deal with XXXX. Enchanced Recovery refuses to help me calls me serveral times a day and i try to explain what had happened. Enhanced was also aware that XXXX collection agencies were reporting the same debt. they have ruined my credit for a debt i did not know i had and by the time i straightened out having XXXX collection agencies reporting the same debt - they refuse to remove the trade line from my credit reports
|
| 07/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX, I opened an account with XXXX for a line of service. After years of continuous calls to the company because I was not able to receive adequate service i.e. dropped calls, no service at time. Each time, XXXX continue to promise to rectify the problems by putting up new towers in my area, this never happened. In XX/XX/XXXX, XXXX agreed to release me from my contract with no money due. I checked my credit report in XX/XX/XXXX to see that my closed account with XXXX had been sold to a collection agency and placed on my credit report with derogatory comments. I was never notified prior to it being placed on my credit report in writing nor by phone. They just started with the harrassing phone calls in XX/XX/XXXX. From XX/XX/XXXX until now, I have called the collection agency trying to explain to them what happened, they told me I had to call XXXX. I have called XXXX. XXXX no longer has the account because that 's been some 10 years ago and due to their agreement with me. They account was suppose to be paid in full. I 've been back and forth with this collection agency. They are calling me two and three times a day 6 days a week. I 've tried to explain to each representative that call me to no avail sometimes they are just downright rude.
|
| 04/30/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XXXX , 2017 , I wrote a letter to Enhanced Recovery Corporation that also goes by ERC a collection Company, of notice disputing their claim of this alleged debt with their client XXXX XXXX also known as XXXX and requested documentation of such, with no response from them. So I filed a formal complaint with the Consumer Financial Protection Bureau case number XXXX . Enhanced Recovery Corporation or ERC responded back to my complaint on XXXX XXXX , 2017 , stating quote " In response to XXXX XXXX 's complaint, ERC has no record of a XXXX XXXX account matching his information ''. I have confirmed with the credit bureaus XXXX and XXXX XXXX that Enhanced Recovery Corporation is reporting this alleged debt twice once under the Name Enh anced Recovery Corporation and the second under ERC. Enhanced Recovery Corporation and or ERC are still not reporting to the credit bureaus that this account is in dispute and still not have provided the documentation as requested of this alleged debt as required by law and are in violation of the Fair Debt Collections Practice Act ( FDCPA ). They have intentionally misrepresented the truth to CFPB and I have the supporting documentation from the credit bureaus stating as such.
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| 08/23/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I would like to file a complaint against XXXX and Enhanced Recovery Co. XXXX.
We notified the cable and internet company XXXX that we would be moving from XXXX XXXX to XXXX XXXX XXXX in XX/XX/2017. They informed us that we had signed a 2 year contract for their services. We mentioned that we would happily either move our services to our new home in XX/XX/XXXX and or switch our account in XXXX to our new tenants renting on premise.
XXXX informed us that they do not service our current address in XXXX XXXX and that we could not switch the account to our tenants. We argued that " if you can not provide us service at our new home, how could you not release us from our contract? '' We believe that these business tactics by XXXX and their collection agency Enhanced Recovery Company ( ERC ) are unfair, unethical, and irresponsible. We have had multiple conversations with both entities to inform them that this charge of {$800.00} is unwarranted and bogus. As longtime client of XXXX our account was otherwise always in perfect standing with timely payments ( automatically paid every single month during a 5 year period ).
As a consumer, the charge is now impacting my credit score and I would like to rectify the situation.
Thank you in advance.
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| 07/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter from ERC dated XXXX XXXX, 2017 with a third parties name on it ( XXXX XXXX ) claiming that I owed their company for an alleged debt. The letter also stated that I had 30 days to dispute the validity of this debt. I sent ERC a certified letter and they received it within the 30 day time frame. However the same day they received the letter they placed this item on my credit report.
I disputed the validity of this debt, and I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt.
Per this requirement ERC must delete this trade line if they do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) It has been almost 60 days since they received my certified letter and they are refusing to comply with the Texas Finance Code. I was also unable to locate a surety bond for this company, which is required in my state for them to collect on this alleged debt.
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me pursuant to Texas Finance Code Sec. 392.403.
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| 09/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This is according to my XXXX credit report. A company named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX has placed an account on my credit report from a XXXX account that I have already disputed as not mine to begin with. In addition, they have illegally re-aged the account so that it appears as if it was opened XX/XX/XXXX The original dispute is from XX/XX/XXXX in which XXXX removed the account after discovering that I did n't have an account in the first place. I never lived nor do I know anyone that ever lived at the address where I supposedly had this service.
I have an issue with XXXX and XXXX XXXX XXXX not listening and furthermore not following FCRA guidelines. I have attempted to resolve this issue with both parties and I 'm not making any progress.
XXXX has continuously kept false and inaccurate information on my credit file. There are several addresses that I have not lived, inaccurate amount on some accounts, accounts that are not mine and accounts that have been re-aged.
XXXX XXXX XXXX has apparently purchased an old debt that is also not mine and XXXX is not providing the correct information to the company they sold the debt to.
This is RIDICULOUS and I can not afford an attorney to resolve this issue.
Please help.
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| 05/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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After checking my credit report in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor multiple times in XXXX and now in XXXX to make them aware of the inaccurate information and advise them of what I noticed on my reports. I was able to get in contact with XXXX, XXXX, and XXXX to place a fraud alert on my credit report to be cautious. I have never had a contract with ERC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. ERC states that they have validated the debt, however, I never received a copy of the original creditors contract with my signature on it. I never had an account with XXXX and the debt is not my. This is fraud and against the law to keep this on my credit report. My credit report states that this was paid after the account was placed for collection - I have never paid an account with ERC/XXXX. This is negatively impacting my file. I have been disputing this for a while now and this has hindered my credit file tremendously.
|
| 08/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This is a complaint from XXXX XXXX against Enhanced Recovery for Enhanced Recoverys failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Enhanced Recovery with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
|
| 07/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I cancelled service with XXXX due to poor customer service, poor phone coverage, and had a second user whom I did not know on the phone number XXXX which was supposed to be a unique number for me. In short, I received text messages from XXXX for sales pitches that I did not request and specifically requested by text and by mail that XXXX not contact me via text with any sales pitches due to the limited memory of my phone and my need for text messages due to hearing loss. I also received several pornographic pictures though it is not clear where those pictures were sent from as no phone number was attached. I informed XXXX that I would cancel my service if any more text messages were received and if they did not clear up the second user of that same phone number. I did NOT have a contract as my phone was my own and I paid for monthly service. I have now received a dunning notice for ERC claiming I owe {$160.00} for XXXX, and I also received a phone call from someone claiming to be from XXXX on XXXX XXXX at XXXX XXXX from XXXX requesting payment. I NEVER owed {$160.00} and this would be for multiple months after I cancelled service with XXXX. I am really pissed that this substandard company with documented complaints continues to harass me.
|
| 04/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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ENHANCED RECOVERY COMPANY {$590.00} There is no valid claim, no contracts exist ... accounts were settled with original creditors by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ).
Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
|
| 02/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
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No reason any Collection Agency should contact me. THis seems to be a scam. Company calls me everyday. They use different numbers. Want me to call another number. Claim they are ERC. want info to collect a debt. I can not help them, see my reasons below. They give a Ref number XXXX. I have a credit rating of 834 + with 2 of the credit Bureaus. I have Zero late payments on my credit record with any of the 3 Credit Bureaus in over 30 years and more. Phone numbers they use to call me on are ( XXXX, XX/XX/2019 XXXX ; XX/XX/2019, and XX/XX/XXXX, XXXX, at XXXX. I have never received any debt letters from anyone. I blocked these calls but they show up in my voice mail. This is my 2nd complaint with you to no avail.
I have no documents as I am paid up on any credit cards. My Identity was stolen by the XXXX years ago via Federal Govt. I now have ID protection given to me free from the Federal Govt. I can provide a copy of their investagation report on my good credit with ZERO late payments, ZERO collections, ZERO bankruptcys.
I have NEVER received a statement from this company. I do not have an account with this company. Thus provided their Ref number in the account box. 2nd Complaint and they never contacted me via email on prior complaint.
|
| 08/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Back ERC Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$540.00} Balance updated XX/XX/XXXX Original balance {$540.00} Account info Account number XXXX Date opened XXXX XXXX XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display.
Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX1 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PS!
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
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| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I sent disputes regarding a delinquent account and never received a response from Enhanced Recovery Company, it has been over 30 days. My FCRA/FDCPA rights have been violated for failure to respond in a timely fashion and failure to delete inaccurate/erroneous information!
Date Opened : XXXX is not reported ; XXXXXXXX is XX/XX/2018 ; and XXXX XXXX is XX/XX/2018. 2 different open dates how is that possible Please explain??
Payment History Profile fields are inconsistent and inaccurate They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted.
also upon further research this company has over 500 complaints on CFPB and multiple complaints with the CFPB Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney
|
| 07/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My XXXX XXXX XXXX phone service had technical difficulties from the start..i had many issues and my service rarely worked. I contacted XXXX XXXX XXXX repeatably about my issues and they were never able to solve them. Then surprisingly My phone was lost and i used insurance to get a new phone. My bill always seemed higher than I was told and they shut me off because my balance was over {$500.00}. I couldnt make payments they wanted the balance in full which i could not afford. I had problems with my service since day 1 and had no luck working with XXXX XXXX XXXX. There was no way i was going to come up with a lump sum of {$500.00} so i was forced to get a new carrier. I made it clear from the start i was not satisfied with no resolution. Now this debt collecting agency is damaging my credit so bad I dont even have a FICO score. This company is calling my mothers business and harrassing all of my family. I have been laid off and am trying to take care of what i can but this company is threatening and harrassing. This is not right at all. Their tactics are unprofessional, damaging and unethical in every way. On an account that is CLOSED they are still reporting it late every month on my credit report. How can they do that? It is lying.
|
| 09/12/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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This had been on my credit report forever the XXXX account was opened in XX/XX/XXXX and as you can see no matter how much i paid the higher the bill went. And i was only suppose to pay XXXX per month for the 3 lines i had. When i asked for it to be removed from my credit report or fix the right amount i owed which is the early termination charge which was XXXX per line. Which i ended in XX/XX/XXXX.Which makes me owing XXXX only. Funny how they gave it over to enhanced who keeps it open. saying new account it is not.it 's a 7 yr old account and should have been removed a long time ago. I've called them and explained to them tried reasoning and nothing works. And when my credit is run it comes up as a utility bill causing me to have to pay large deposits for utilities when i try to tell them it's a phone bill from XXXX they say they have to go by what is says on my report a utility bill.so please explain to me how that works and how is it's fair to me. And the sad thing is my bill was always paid in full early every month.yet there was always a higher charge every month that is why i discontinued there service.as they charge whatever they want. As you can see once disputed it several times they just keep making it a new account as open.
|
| 05/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act
|
| 09/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
This debt is not mine, for XXXX XXXX. I 've already had it removed from my credit reports, by filing complaints with all XXXX credit bureaus, sending a completed Fraud Handling Packet thru XXXX, as requested, to include a notarized Statement of Dispute, Police Report, Proof of Lease at the time this account was created. Got Identify theft alerts added to all XXXX credit reports, purchased XXXX XXXX for myself and my XXXX sons. After getting countless phone numbers, last name, and addresses removed from my credit reports that did not belong to me, this XXXX account has ended up back on my credit reports XXXX XXXX, XXXX ( {$1000.00} ), thru the same collection agency that it was removed from back in XXXX XXXX. Enhanced Recovery Corp. XXXX even had the audacity to send a letter to me questioning XXXX accounts from XXXX and XXXX, after proving this account from XXXX is not mine, the account that started this whole credit disaster. I had proved this account was not mine and although the other XXXX accounts they 're claiming to be mine from XXXX and XXXX, they 're outside of the statute of limitations. The accounts are not mine and should not be in question. My next move is to seek help thru an attorney if this can not be resolved for good.
|
| 07/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a call from ERC collections stating that my XXXX XXXX account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. ERC and I came to an agreement of {$1200.00} to settle the debt. I made sure ERC sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my XXXX XXXX account. I called XXXX. They confirmed my account was in collections, that they were waiting on ERC to finish their part and that it usually takes one to two billing cycles to be complete. This was in XXXX and XXXX. It is now XX/XX/XXXX and I 'm still getting letters from XXXX XXXX telling me I have past due payments. This account was settled on XX/XX/XXXX with ERC so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if XXXX has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and XXXX or ERC should be required to fix it.
|
| 05/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
To whom it may concern, Good afternoon, I hope your day is going well!
This message is being sent in response to an alleged debt that has been reported on my credit report from your company. I have attempted multiple times to dispute, as well as attempted to obtain verification, rights, and proof of your companies legitimacy to report and pursue this alleged debt three months ago with no response at all, putting your company in violation of the Fair Credit Reporting Act of 1970.
My attempted requests of proof and legitimacy were not handled in a timely, or legally acceptable manner in accordance with the FTC managed, Fair Credit Reporting Act under United States law. The Fair Credit Reporting Act requires that creditors must respond to these requests within 30 days, or the debt becomes invalid.
By failing to respond to the previous attempts within the 30 day period that the ( Fair Credit Reporting Act ) mandates, I am requesting that your company immediately removes this alleged collection account debt from my credit report with all 3 major credit bureaus, as well as any others involved, due to your companies violations of the " Fair Credit Reporting Act of 1970 ''.
Thank you for your time, have a wonderful day.
- XXXX XXXX
|
| 07/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My Wife and I XXXX XXXX XXXX were contacted ERC, a credit collection agency. They claimed we owe {$6800.00} on their XX/XX/2020 notice. The nature of the claim is we owe XXXX XXXX XXXX on Account XXXX.
I contacted the Fraud department of XXXX XXXX XXXX and they said they would investigate. That the {$6800.00} if from four cell phones XXXX ; XXXX XXXX ; XXXX XXXX and XXXX XXXX. These number are a complete mystery and I told the XXXX XXXX XXXX Fraud Department.
Today I receive a notification from XXXX XXXX XXXX saying Based on investigation, we conclude that we are responsible for this debt and they are proceeding to collections.
Please help, we are senior citizens with two cell phones XXXX XXXX XXXX and XXXX XXXX both XXXX. My wife is very upset and so I tried to call the XXXX XXXX XXXX fraud office at XXXX ( five times ) today. They ( XXXX Fraud Department ) want a password or access number for an account we have no knowledge therefore they system hangs up or does not allow us to advance to speak with anyone. Furthermore, the XXXX XX/XX/2020 letter says if we do not speak with them by XX/XX/2020 we are required to pay the {$6800.00} I called our Congresswoman XXXX XXXX and her Assistant recommend we contact you to help us.
|
| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I pulled my credit report during the last quarter of XX/XX/XXXX and noticed a collection in the amount of {$200.00} from Enhanced Recovery Company ( ERC XXXX. I was never contacted about this debt. I called and spoke to a representative at ERC who informed me that the collection was due to an old XXXX account I had closed back in XX/XX/XXXX and that they could not provide me with any additional details. When I told the representative that this was a prepaid account, I was told that I would have to contact T-Mobile for additional information about my account and to request that they make a request to have the debt removed. I called XXXX and spoke to a representative who confirmed that my plan was prepaid ( Flex Pay ) ; however, they could not remove the collection once it was out of their hands ( the collection agency had to ). They refused to assist with removing the collection account even after I told them I had never received any phone calls notifying me of this fee. I have been calling XXXX and the collection agency for months with nothing being resolved. I also mailed the collection agency a request to prove that it is a valid debt and to prove that the cancellation of a prepaid account is valid. I have received no response.
|
| 04/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have received numerous automated dialer calls from Enhance Recovery XXXX to collect an amount, supposedly from XXXX XXXX XXXX that does not exist. I have contacted them several time by phone and in writing. I have informed them that their claim is fraudulent, actually using those words, and asked them to prove that the debt is valid. I even disputed it through XXXX. They have never shown any proof that this is a valid charge. I have never received a bill in this amount from XXXX and when I had service with them I was on auto payment so I always had a zero balance. XXXX years after I cancelled my service I began to receive calls from them. I will include copies of letters that I have mailed.
I believe that this company uses frustration and filing false credit information as tactics to secure payment from people for amounts that may not even exist. They rely on the fact that it is just easier to pay than risk being reported to a credit bureau. I have spent many hours on the the phone trying to find out about this debt. ( mostly on hold ) It is simply not ok that predators like this are allowed to bully people into paying amounts that they do not owe. It truly amounts to extortion.
( I have several other files I can submit )
|
| 04/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Enhanced Recovery Company that they are pursuing me for over {$800.00}. I sent a certified letter back to them requesting debt validation and the following information from them : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : They sent a bill from a 3rd party which still did not address what was requested from them or how thats shows I owe them specifically. I sent a second certified letter which they never responded to but instead reported this inaccurate info to the credit bureaus. I have never done business with Enhanced Recovery Company furthermore there is no signed contract with Enhanced Recovery Company. I have the right to demand to see a signed contract between myself and Enhanced Recovery Company as adding this invalidated info has negatively impacted my credit score.
|
| 05/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received alerts on XX/XX/2020 from my all 3 credit agencies that Enhanced Recovery Collections had placed a collection on my credit reports. I had no collections for many years as I'm heading into retirement. I've never received any written notices, letters, or phone calls regarding this debt. I, of course pulled my credit reports and noticed underneath Enhanced Recovery Collections were the named original creditor XXXX XXXX. I've never, ever, done business with these people. I research and found out it could be a telephone or cable company. I've had XXXX for years now. Also, the information listed on my credit reports states description of company as Collection Dept/Agency/Attorney as a threat. It also shows as loan balance {$460.00} and original loan {$460.00} which doesn't make sense at all. It shows collection date XX/XX/2020 and updated on XX/XX/2020. I believe this company is taking advantage of consumers during pandemic and its a shame to destroy someone's credit under false pretenses. I want this incorrect information removed immediately or I will seek assistance from my state attorney 's office. The representative will ask for your information instead of getting information from the supposedly account number listed.
|
| 04/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ENHANCED RECOVERY CO., ACCT. NOXXXX, A COLLECTOR FOR ORIGINAL CREDITOR XXXX IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT LEGALLY OWED, A DEBT THAT WAS PROCURED BY FRAUD.
3 YEARS AGO, MORE OR LESS I BOUGHT SERVICE AND PHONES FOR XXXX WHILE LIVING AT MY HOME IN XXXX XXXX, CA.
XXXX KNOWINGLY SOLD ME SERVICE AND PHONES THAT WOULD NOT FUNCTION PROPERLY DUE TO LACK OF CELL TOWER OWNERSHIP OR LEASES FOR THEIR SERVICE.
THIS RESULTED IN DROPPED CALLS, INTERFERENCE, MISSED MESSAGES, GENERALLY A POOR NON-FUNCTIONING SERVICE.WHEN VISITING A XXXX STORE THEY EVEN OFFERED SWITCHING OUT THE PHONES, A FURTHER DECEPTION.
THE PLACE, LOCATION AND NUMBERS OF TOWERS ARE INFORMATION THAT THE REGULATORS OF XXXX ARE AWARE OF.
XXXX AND THEIR COLLECTOR XXXX ARE MERELY FUNCTIONING TO A PRE-THOUGHT OUT PLAN OF DECEPTION, FRAUD AND THEFT.
IT IS INTERESTING TO NOTE THAT THEY HAVE NOW MERGED WITH THE 2ND BIGGEST FRAUDSTER IN MY AREA XXXX.
BOTH HAVE OFFERED CHEAP PLANS THAT DO NOT FUNCTION.IT IS THE BUSINESS PLAN THAT GOVERNMENT PROSECUTORS SHOULD DO MORE ABOUT.
CALIFORNIA 'S IMPLIED WARRANTY LAWS ARE STRONGER THAN THE FEDERAL, PRACTICALLY SPEAKING, THERE ARE NO LOOPHOLES.
BOTH XXXX AND XXXX AND PROBABLY OTHER BUREAUS DISPLAY THIS FRAUDULENT ACCOUNT.
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX ERC ( Enhanced Recovery Company ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois.
Your immediate response will be greatly appreciated.
XXXX XXXX XXXX
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| 08/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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There is this account on my XXXX credit report that I do not recognize, the account is showing that it is in collections, I have never had an account with this company called ENHANCED RECOVERY COMPANY, there is no phone number being reported and it says that the account was opened in XX/XX/2018, I have disputed this account with XXXX and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I want this company to provide me with the original contract that has my signature on it that proves that I opened this account and also to provide me with any type of agreement between me and this company that says I have an obligation to pay them. The FCRA says that a creditor must provide the consumer with original documentation bearing the signature that validates the account. I want the original contract bearing my signature, and if the original contract bearing my signature cant be provided I want this collection deleted from any of the credit reporting agencies that is being reported to. I wont accept any copies of statements or an itemized piece of paper for validation of this account because that is not enough to validate it.
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| 09/16/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020, I received a letter from ERC stating that I was delinquent {$1100.00} on my XXXX XXXX XXXX XXXX XXXX. My bill is paid through auto draft ; I do not have any debt. The referenced account number is not mine. My name on my XXXX XXXX XXXX bill is spelled differently from the spelling of my name on the ERC collection statement. My husband 's name is on our XXXX XXXX account. I called both XXXX XXXX XXXX and XXXX XXXX. The referenced account number is XXXX ; no such account exists with either company.
Furthermore, XXXX XXXX XXXX account XXXX XXXX with a XXXX. The referenced account starts with a XXXX I also called ERC using the number given in the statement I received and the number given online for the company. I believe it was the same person who answered both calls and both times said the same thing. They verified my current address and they also gave the same supposed former address which was not mine.
They asked for the last 4 of my social security number. When I declined to give personal information, they said they could not help me. At first I thought someone was fraudulently using my name and address. But after discovering that the account number doesn't even exist, I am suspecting scam activity by ERC.
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| 04/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XXXX I was a XXXX customer. I decided in XXXX to go with XXXX and ended the services with XXXX. I called XXXX and requested boxes to send their converter boxes to them. The boxes were delivered to me and I packed the converter boxes to be shipped back to XXXX. The representative that I spoke with in late XXXX stated that the boxes would be picked up after I packed them by XXXX. After speaking with her I realized that I had another question for the representative and called back. The next representative stated to me that the boxes were outdated and I could throw them away. I stated to her that I would not throw them away but send them back to XXXX. The representative stated that even if I sent the boxes back to XXXX, I would not be given credit because the boxes were outdated and I needed to just pay for them. I stated to the representative that I would send the boxes back and they could do whatever they needed to do with the boxes.
It showed upon my credit report that I owed XXXX {$680.00}, I disputed this back in XXXX and it was removed from my credit report in XXXX. Now it is back on my credit report but with a different collection agency. I do not owe this debt, XXXX is trying to make me pay for their outdated boxes
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| 07/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Enhanced Recovery Collection agency has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XX/XX/XXXX, this debt was showing on my credit with XXXX XXXX XXXX, which in turn sold this account to ERC or Enhanced Recovery Collection agency. Once I disputed this debt and negative account with XXXX in XX/XX/XXXX, XXXX XXXX immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by XXXX that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called ERC. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.
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| 02/14/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XX/XX/XXXX2017 I contacted ERC in regards to a letter my father had given me from them. I spoke with an individual and requested a copy of the written contract. At which time, I was transferred to a XXXX. XXXX continued to speak over me, belittle me, and engage in unprofessional and abusive conduct. I have subsequently had to see a XXXX as a result.
Afterwords, I contacted the company and requested to speak with their attorney regarding their illegal conduct. I received an e-mail from a XXXX XXXX in response to my letter and clearly provided legal advice. Her own words state " XXXX XXXX let me advise to you, that no law exists where an employee of any agency is required to tolerate and withstand continued insults and bullying by a consumer no matter how angry that consumer feels. ". She goes on to provide legal analysis in the letter. After checking with the Florida Bar Association, XXXX XXXX is not licensed to practice law.
Under Florida Criminal Statute " Engaging in the unlicensed practice of law in Florida is also a crime. It is a third degree felony. '' The conduct of this company and its employees is completely without word. It surpasses industry standards and recklessly disregards both civil and criminal law.
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| 01/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX.
I am also writing this complaint in regards to the companies XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from ENHANCED RECOVERY COMPAN in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.
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| 07/18/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Enhanced Recovery Company ( ERC ) did not send me a " Notice of Debt '' before reporting this account onto my credit report. So, I disputed the debt with all 3 credit bureaus, in which they responded back to me and told me that ERC validated each time I disputed the account. So, I sent a validation request to ERC on XX/XX/19 ( see doc 1 ) which they ignored and didn't send me any documentation verifying that I am the correct consumer who they are trying to collect a debt from. Per FDCPA, ERC supposed to do the following and they did not : notify me of the alleged debt, cease reporting & collection until the debt has been verified, 5 days after initial communication send me a document showing the original creditor, the amount owed, and the address of the original creditor with the debt collector statements written on it.
My rights as a consumer have been violated several times by ERC and I'm sick and tired of it. This collection account has cost me to lose funding for my home which I needed badly for me and my boys. This entire process has been tiresome and stressful. This is my last resort to get help with this account. My next steps are to file a lawsuit for the multiple violations that have been committed against me.
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| 11/05/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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To Whom It May Concern, I am writing you today and attaching this to my credit dispute. I had a bill that went to collections that I paid immediately because an apartment I was attempting to get with my wife, found it on my credit report. It is from the Agency Client ERC Account ending in XXXX. I never once was given a final bill calling for the {$100.00} that I owed them as well as a overdue note or notice of delinquency. If I would have known to dispute this before I paid it I would have, unfortunately I did have to pay it off as well in order to get the apartment itself. Thank you so much.
Sincerely, XXXX XXXX I wrote this dispute letter to XXXX and submitted the dispute on X/XX/2017 and have yet still not received any information or resolution. I was told it would be ready in XX/XX/XXXX, I have checked it every month waiting for an update, but there is none. As far as my understanding they have no more than 45 days to finalize the dispute. The only reason I knew that I owed the {$100.00} was the call from the collections company, never a final bill from XXXX themselves. I paid the balance immediately hoping it would resolve everything, unknowingly it would actually stay on my credit report and continue to hurt me.
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| 11/09/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I called your company on XX/XX/2020 I contacted your company certified mail, I provided documentation of the XXXX breach and asked for your company to remove this account from my credit file as soon as possible. I also asked for you to provide me with legal debt validation ( Proper paperwork showing how this account was added in my name, documentation with my signature, along with proof that your company is legally allowed to collect this debt from me. As of XX/XX/2020, I have yet to receive any response from your company.
This is my second attempt to correct this error, your company is fraudulently reporting information to my credit report that legally should not be listed on my credit report or in my name at all. Please remove this account from my credit report as soon as possible, it is impossible for me to owe you any monies, you have also violated ( Section 609 Of the Fair Credit Reporting Act ) by not responding to my debt validation request which is illegal. I really hope this matter can be resolved quickly.
If this information is not removed from my credit file, I will move forward to a judge in my area to bring this account into small claims court for this fraudulent account being placed on my credit file.
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| 06/14/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
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| 02/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On or about XX/XX/XXXX I forwarded a proof of verification letter to XXXX requesting information on how 3 debts that they are reporting were investigated. There is a Water Bill for {$130.00} from a house I lived in during XXXX. XXXX XXXX is still reporting negatively even after the statue of limitations has long expired in my home state of Virginia ( 6 years ). I want this account removed from my XXXX credit report. There are two other negative items being reported XXXX. XXXX and Enhanced Recovery both collection agencies. I forwarded Validation of debt letters to both of these companies and XXXX XXXX did not respond with a proper and timely response. I am forwarding their response to you, the CFPB, as proof of a poor and incomplete validation of debt procedure. When I wrote XXXX to get information about what information they were provided by the debt collector they responded with a standard template letter asking me to contact the creditor. Which I have done already about 6 months ago. I want this account deleted from my report for failure to validate debt. Enhanced Recovery is an account that has been re-aged by the new collection agency. I want this account to be removed for that violation. Enclosed is proof.
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| 06/03/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX is reporting a debt that needs to be deleted right away. I did not owe the debt and it is inaccurate. XXXX inaccurately charged me and the matter has been resolved with them. There was nothing owed and this is acct is false!! I requested that XXXX XXXX remove yet they failed to accurately review and resolve the matter. There was a transfer of responsibility from my old act ( old act # XXXX ) to my wife 's ( new act # XXXX ). Nothing should have changed yet XXXX failed to do properly make the changes. They eventually figured this out and gave me a credit to our new acct. While I was disputing this charge with XXXX, there should not have been any reporting to the bureaus. I paid the acct while the dispute with them was active in order to ensure that there was no credit report issues. Instead of clearing up this mess, XXXX made more of a mess. Ultimately they realized their mistake and provided a credit to my new acct for the amount that I paid ( {$130.00} ). They screwed up a simple task of transferring acct ownership from me to my spouse. In short, I never owed them anything and my acct which is now my wife 's acct is paid as agreed with no delinquencies. XXXX XXXX need to delete this account Immediately!!!
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| 10/29/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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Hi yes this company called me a few months a go repeatedly and harrassed me about a debt that's has been discharged off my credit a year ago due to identity theft and it was removed. This company Enhanced Recovery has now since the call and I informed them of this matter and the guy I talked to I can't remember his name insisted that this was my account and if I didnt take care of it they was going to send it the credit Bureau and I told them if they do i will report them and it was illegal to access or send fraudulent stuff to my credit file and impact my credit. They took matters in they own hands and reported this to my credit file which has impacted my score dramatically and this has caused a very drastic change to my score and my lively hood in which I stated and told them this was a fraudulent account that has been filed as identity theft and removed a year ago. The agent was very rude and disrespectful and said oh it's going on your credit report. This is very frustrating and how can these illegal tactics by these so call recovery companies be used to ruin people 's lives. Then it shows I opened this account up in XXXX XXXX which is a violation especially when this matter has been taken care of a year ago.
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| 05/21/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX XXXX XXXX a company by the name of XXXX was removed from my XXXX credit reports because they were coming after me for a collection on behalf of XXXX XXXX XXXX in the amount of {$520.00}. I have never had an account with XXXX XXXX XXXX and definitely have zero plans of getting one. As of XXXX XXXX XXXX I noticed on my new XXXX and XXXX credit reports that the company ERC ( Enhanced Recovery Corp ) has reported false information on my credit report stating th at an account was opened with them XXXX XXXX XXXX in th e amount of {$520.00} original creditor XXXX XXXX XXXX and my payment status is a Collection/Charge-Off. Also the same company reported false information to my XXXX credit report as well stating I owe {$520.00} and the account was opened on XXXX XXXX XXXX a nd my payment status is Refinanced or Renewed. I have contacted the company via telephone numerous times and all of which I was informed it was a simple error and they would removed me out he system and update my reports, when asking for something in writing the cal some how always ends up getting transferred. I feel someone is playing and constantly using my information.
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| 11/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Sometime is XX/XX/XXXX I was contacted by a representative who immediately asked me for my last 4 of my social, and told me they could not tell me what company they worked for and why they were calling unless I gave the last 4 of my social. I reluctantly gave my last 4 and then was told the representative worked for Enhanced Recovery Company, and were seeking to collect a debt of {$400.00} from a random address I had never lived in or been to. I stated that to the representative 3 separate times when she asked about the address and I had proof that I was residing in a completely different part of the county at the time. I told the representative that the account was fraudulent and needed to be removed from my credit report. Representative agreed that the account was fraudulent and that they would look into it and have it removed. Not a single call since then, but the company is reporting every month or other month to my credit report and it is effecting my score TREMENDOUSLY. This company did not have any of my information correct, had no social security number until I provided the last 4 digits, and told me it was going to be removed for being fraudulent. I want Enhanced Recovery Company removed from my report
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| 08/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
|
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I have received notifications and bad marks on my credit report from at least XXXX different collection agencies related to an XXXX XXXX XXXX Debt that was reported to XXXX XXXX XXXX and a report filed with the FTC that it was a result of identity fraud and someone else opening this account under my maiden name " XXXX ''. I gave XXXX XXXX XXXX the proper reporting and they acknowledged that it was Fraud, however, they continue to circulate this collection through various collection agencies STILL. This has been going on for over a year and half and about every XXXX months, I get yet another notification from yet another credit collection agency that I have a debt collection. I have NEVER even had an account with XXXX XXXX XXXX. The most recent debt collection agency just sent me another letter, titled " ERC ''. The reference # for this new collection is : XXXX I have sent thru a dispute to this company, but I would like XXXX XXXX XXXX to STOP circulating this debt that was already deemed fraudulent through collection agencies.
The account # that is associated with this debt is : XXXX. The address associated with this account is XXXX in XXXX, which is a state I have NEVER lived in, nor known anyone who has.
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| 01/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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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.
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| 07/17/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX allowed Enhanced Recovery Company to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to XXXX and Enhanced Recovery Company stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any.
My request was simple and of reasonable nature.
On XX/XX/2019, I received a letter from XXXX stating the reporting of this debt was verified as accurate. I also received several random bills from Enhanced Recovery with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file.
They is no history being reported which means that the information that's being reported in inaccurate and incomplete.
Since XXXX has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports.
Again, provide me with an original signed contract and a full accounting of his debt.
I have attached the letter that I sent to XXXX and to Enhanced Recovery on XX/XX/2019.
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| 05/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
ENHANCED RECOVERY CO is listed under collections on my credit report giving me a negative score. Original creditor is XXXX XXXX, whom I contacted and paid in full my remaining balance {$380.00}. However when I pull up my credit report I see listed under Collections Enhanced Recovery ( account shows Paid and closed with amount owed {$0.00} ). I have called this so called company Enhanced Recovery and both times they say I need to call XXXX XXXX. When I explain to them I have called XXXX. and paid them. They respond again sir call XXXX when I try to get them to explain why I should call XXXX. when the account name on my collection report states Enhanced Recovery not XXXX I can advise any further than stating call XXXX XXXX. These companies like this Enhanced go out of their way to harass you constantly and call you all times of the day wanting their money. Once it's paid for in full and consumer no longer owes them money. They no longer have a clue and play like idiots, I am currently in the market to purchase a new vehicle but with this, still listed and not removed like it should be my credit is lacking a good score. If companies wont remove it why should a consumer even pay a collection just wait 7 years.
|
| 03/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
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|
Web |
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I cancelled my XXXX service and noticed on my bill that I was being charged for my equipment. I called XXXX and provided proof that I had returned the equipment and they told me that they were sorry and they would take care of it and remove from my account. I did n't find out until much later when a Collection Agency said that I did n't return the equipment. The entire time XXXX told me that they received the equipment and not to worry about the charge, that it would be removed. I ca n't believe that they sent me to collections after being told it was taken care of, when it was a mistake in the first place. After I found out it was sent to collection, I called the collection agency immediately, and explained the situation and was told not to worry about it and they would call XXXX and take care of everything. I am just now finding out that the collection agency did n't follow through when pulling my credit with a company and being told that it was still on my report. I was in shock and still ca n't believe this has not been taken care of. It is costing me a lot of money and hurting my credit for a mistake that was never my fault in the first place, and should have been resolved when I was told it would be.
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| 02/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
After discovering that a debt collection company and XXXX XXXX were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations.
Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it.
In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute.
If the company persists in these practices, I will be forced to take legal action.
I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX
|
| 02/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
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| 04/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have called and spoke with enhanced Recovery company several times regarding a XXXX bill that they have in collections for me. I have explained to them i was not in contract with XXXX and i was on a family plan with XXXX. I took 3 XXXX on lease with XXXX and i already made full payments on these phones but my bills were still showing high amount. When i looked into my account, i realized the phones had a lease fee on them every month. I called XXXX and asked why there was a lease on my phones when i already made payments in full for all my phones. I was told by XXXX after i already purchased the phones i would still be paying to lease it. I disagree with XXXX because why would i purchase a phone that pay a leasing fee to use it. it does not make sense so i paid my last bill to XXXX in full and cancel my services but i kept the phones since i already paid for the phones in full. I was then sent to collections. I spoke to enhanced recovery and explain this to them but they refused to take off this account off my credit report. I need your help in getting this off my credit since i've been harrassed and threatened by enhanced recovery that my credit would be damaged beyond repair if i refused to pay them.
|
| 12/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I received a collection statement from ERC for an alleged debt of {$190.00} from XXXX XXXX. I stopped using XXXX XXXX, a company with documented customer complaints, when my internet service no longer worked on my purchased modem. I tried all the methods to reset my modem but with no success, and sent an email to XXXX XXXX telling them that my modem/internet access was not working. They sent return email that they could not send me reset password by internet and that I would have to call them. I am XXXX so that is not an option. I sent email telling them that I was stopping service since they FAILED to provide contracted internet service. They sent me additional billings following months for service NOT provided, and I notified them by mail that they had not provided any internet service per their month to month contract, thus no payment was due. XXXX XXXX does not provide acceptable service to XXXX XXXX customers, and thus is in violation of Americans with Disability Act and has clearly shown a hatred for customers by billing for services not provided. ERC has previously shown that they buy " bad debt '' in effort to shake down customers for debt not owed. I do NOT owe XXXX XXXX, and they wrote this off.
|
| 09/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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In XXXX XXXX, i happened to check my credit report and i realized that it had addresses that i have never lived on and several delinquent activities that i was unaware of. One activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under sprint account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had sprint services and my identity was compromised. After a few days of investigation account was recalled by sprint and closed on XXXX/XXXX/XXXX agreeing that it was fraudulent account. Few days later i got a debt collection notice from " XXXX XXXX '' with the same sprint account number and amount claiming its new collection notice, i filled a second dispute through CFPB and a few days later XXXX investigated the claim and ceased collection activities and returned the account to sprint.
Today ( XXXX/XXXX/XXXX ) I received a collection notice ( see attached ) from ERC of the same sprint account number XXXX in amount {$1100.00}. I want to emphasize that this account is a result of ID theft and I have never had XXXX and never lived on XXXX XXXX XXXX # XXXX, XXXX, RI XXXX.
|
| 11/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 03/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XXXX, I sent a letter regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that they are not to report any inaccurate or invalidated information to the credit bureaus that could be detrimental, but they continued to which is a violation of my consumer rights. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand this account be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an anxiety this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.
|
| 03/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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On XX/XX/2019 a letter was mailed to me by Enhanced Recovery Company. I received this letter approximately on the XXXX of XXXX. This debt that they are trying to collect is from XXXX for the amount of {$690.00}. The origin date of the account is not listed on my credit report, the date field is blank displaying -- / -- and only displays a XX/XX/2019 date. This is not a current debt of mine and the dates are completely false. The day I received the letter I also received notifications from the credit bureaus saying that a new collection account was added and my score plummeted. I immediately disputed this with the bureaus. They have illegally reported this to my credit report prior to the 30 days that I legally have to dispute this. I have received no validation from this company with any dates and they have tarnished my credit. Everywhere I have read is that this company, as early as a year ago, was not able to report to the bureaus because of previous instances. I would assume it was something along the lines that they are trying to do me. I feel that this is a direct violation of the FCRA and stated in their letter I have 30 days to dispute this which I have and they are still reporting to the bureaus.
|
| 09/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have received several notifications from ERC regarding an XXXX XXXX XXXX XXXX account I never obtained with the company. Each time I received a letter from them I sent them a letter asking them to validate not verify that this account, in fact, belongs to me. All they send is a copy of one bill with no signature, no contract, no validation that this is my debt. In the letters I sent to them I have sent them this statement that shows that they ca n't just supply a bill and say that it is mine. Anyone can send a bill but can they validate it? As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have mailed them the last letter dated for X/XX/2017 requesting this information once again. If they fail to produce the contract with my signature then I will take the next steps as they are in non-compliance with federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
I sent a validation letter to Enhanced Recovery Company ( ERC ) on XX/XX/2020 and mailed it certified. I tracked the letter and noticed they received it on XX/XX/2020.
I called ERC on XX/XX/2020 since I had not yet received a response. It is my understanding that based on the Fair Credit Reporting Act, companies have 30 days to validate debts. Again, I did not receive a response or validation.
While speaking to a representative from ERC, the representative confirmed receipt of my original letter. ERC claimed they sent a response. When asked if they could provide proof that ERC responded and validated the debt in a timely manner, they said they could not, and only offered to send another letter. They proceeded to send " another letter '', which was dated for XX/XX/2020.
I am requesting removal of this negative remark on all three of my credit reports.
This request is based on the Fair Credit Reporting Act, that says companies have 30 days to investigate disputes. It is my understanding that if you can not verify the information within the 30 day time frame, you must delete all of the disputed accounts from my report.
REFERENCE # PROVIDED BY ERC : XXXX XXXX XXXX ORIGINAL CLIENT ACCOUNT # : XXXX
|
| 08/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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ERC reported a fraudulent account on my credit reports. On XX/XX/XXXX I sent them a certified XXXX Demand Letter, informing them of their inaccurate reporting and requesting validation of their claim. Under MA general laws a collector has XXXX days to provide proof. I also informed them under MA XXXX XXXX XXXX XXXX : Unfair Practices ( XXXX ) : it is NOT legal for a debt collector to place their name on a MA resident credit report.
ERC did not reply ( no validation ) However, they did remove their listing from my XXXX and XXXX. They continued to report account due with XXXX.
XX/XX/XXXX I sent them a XXXX certified XXXX Demand notice informing them they are continuing to report and attempting to collect upon a fraudulent account. They failed to reply.
In XXXX and XXXX I sent disputes to XXXX informing them of the inaccurate reporting. ERC " validated '' that their listing was accurate.
In XXXX I sent then a XXXX notice and XXXX XXXX the MA XXXX 's office. ERC provided a statement claiming I owe. No contract showing my signature, no proof the account was mine. No acknowledgement that they are continuing to report illegally in violation of MA laws.
I would like the fraudulent account removed.
|
| 12/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On the XXXX of XXXX, XXXX Enhanced Recovery Company reported that I owed XXXX XXXX about {$1000.00} for services. When I contacted ERC and told them that I've never used XXXX in my life, they basically told me that I can try disputing but it won't make a difference and that they " knew '' I was lying. Since then I've proceeded to submit my dispute and months went by and it went under dispute status but nothing happened after that. Around XXXX I decided to make a payment and settle the account because I figured that paying the account off might help my credit, ( which is has ). Yet it is still reporting, and now my credit card lenders see me as an irresponsible cardholder and won't increase my limits. I'm XXXX years old and try to be as responsible as I can when it comes to these things because I know the true power of having good credit and I can appreciate someone who has it. I don't think I've ever missed a card payment since I opened my first card in XXXX, I hope my dedication doesn't go unseen and that you're able to assist me on this. I will say I probably shouldn't have paid the account off but I am simply desperate and want my credit to be in good standing. Thank you and happy holidays!
|
| 04/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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My name is XXXX XXXX , I had a XXXX XXXX account with account number XXXX . My account with XXXX XXXX ended in XXXX of XXXX when I moved to an apartment that did not have a clear view of the southern sky, which per their rules resulted in the contract being canceled without penalty. Per their agreement, I was to send back the XXXX XXXX receiver and XXXX XXXX remote which I did during XXXX of XXXX . There were some issues with XXXX not realizing that I had shipped the box to them already and for some period of time they would call me about it, however in late XXXX or so after repeated conversation with XXXX , they realized that I did in fact shipped the receiver and it was in their possession. My understanding was that the matter was resolved. However I just discovered in XXXX of XXXX , XXXX has turned the account over to collections to Enhanced Recoverey Collections which has reported the collection account of {$290.00} on my credit report. The {$290.00} is for the allegedly unreturned XXXX XXXX receiver, despite the fact that it was returned. This is a debt I do not owe. I 've called both XXXX XXXX and ERC about this, neither are willing to remove it.
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I've Reached out to XXXX, about an account I believed that was reporting inaccurate information on my credit report.
Account Name : ENHANCED RECOVERY CO L ( Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : This account is showing a past due balance on a closed account which is a violation of the FCRA please deleted this account immediately per the FCRA and also the date open in this account was reported wrong and this account was verified how is that possible ...
Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.
|
| 01/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I requested proof of validation of a XXXX collection in the amount of {$930.00} on or about XX/XX/2008. It was place on my credit report by ENHANCED RECOVERY COMPANY. To my dismay, I did not receive proper verifiable information.This isn't my first complaint to this company. I complained to them for failing to reach me prior to putting this collection on my report. And was told by ERC that i fail to answer phone or phone was disconnected which is untrue! The bill that was mail to me fail to show what i legally owe if anything, nor did it show i was liable for the collection. Under federal law this collection is considered time-barred debt. Federal law states the statue of limitation is 2 years ( service calling ) and 5 years for cost of phone, equipment and taxes. This been going on for 2 years and 11 months With that being said the balance that is reported is wrong. Never did i receive any notice prior to the collection being put on my report. FDCPA states debt validation should include account statements from original creditor, payment history with the original creditor or a copy of the signed contract between the original creditor and debtor. 15 U.S Code S1692g. validation of debts 5 ( b )
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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My name is XXXX XXXX a federally protected consumer, and Iam making this complaint against ( Enhanced Recovery CO L. ) for committing identity theft. I have never given ( Enhanced Recovery CO L. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a Cease and Desist of all illegal, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovey CO L. ) can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them, if this documentary evidence Can not be produced and ( Enhanced Recovery CO L. ) continues its collection efforts. I will file for litigation for actual damages caused and ( Enhanced Recovery CO L. ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt and response are both requested and required. Account # XXXX
|
| 06/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I initially disputed this account XXXX/XXXX/XXXX with XXXX via XXXX. After the file was investigated it was confirmed that the account was activated at my property XXXX year prior to me buying it. I have proof that I closed on the house XXXX/XXXX/XXXX. XXXX should not report this on my credit report.
This is a excerpt of the letter I received from XXXX.
We have investigated your complaint and found our client, XXXX, listed the above-referenced account in our office on XXXX/XXXX/XXXX to collect on their behalf. The account was activated at an XXXX XXXX XXXX address on XXXX/XXXX/XXXX and disconnected on XXXX/XXXX/XXXX. The last payment was received on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, any negative reporting XXXX made to the credit bureaus was marked for removal as a dispute.
It appears your dispute regarding the account is with our client. We have closed and returned the account to XXXX, as well as forwarded a copy of your complaint and our response. Any further information or questions regarding the account will need to be addressed to XXXX.
XXXXAs of XXXX/XXXX/XXXX XXXX is reporting this same account on my credit report again through Enhanced Recovery. Please help put a stop to this.
|
| 01/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am a victim of identity theft a victim of fraud my personal information has been sold to different individuals, and these individuals has used my personal information to obtain credit. under my name. I went to the police department to file a police reports concerning this matter. I was informed that someone fraudulent open up 12 cellphones XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, under my name and obtain credit to get the cellphones.I contact each vendor to let them know I'm a victim of identity theft and that my identity has been stolen. XXXX XXXX XXXX sent me a package to fill out and get notarize I completed the package and mailed it back to XXXX XXXX XXXX they deleted the fraudulent account but before during so they sent the account over to a collection agency and it keeps getting sent from collection agencies to collection agencies. I have the letter that XXXX XXXX XXXX stating they deleted the account but the collection agency is still reporting it on my credit report with XXXX XXXX, XXXX, and XXXX this XXXX XXXX XXXX account needs to be deleted now. I have submitted the documents to the creditors showing them that it is fraud. I need this XXXX XXXX XXXX account off my credit report.
|
| 07/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX of XXXX, FL reported to XXXX and other reporting credit beueaus that a debt in the amount of {$2200.00} was owed from an old XXXX account. Several months eariler XXXX sent this debt to another collections agency called XXXX XXXX in XX/XX/XXXX. I contacted them and proivded documenation showing I do not owe the debt and that it was paid off well before the account with XXXX was closed. XXXX XXXX confirmed and corrected the reporting inforamtion. Now, XXXX has resold this inaccurate debt to XXXX XXXX XXXX who refuses to remove the inaccurate debt dispute providing documentation showing the account does not belong to me. On XX/XX/XXXX, I noticed a collection debt reporting on my credit report. I reached out to XXXX XXXX XXXX to investigate the debt. They did not have any accurate contact information on file for me, so I never was notified about the debt, it just went straight to the credit report. I was told to submit a dispute to email my request to XXXX and reference # XXXX. Shortly I recieved an email stating they can not delete the account from credit bureaus. I asked CFPB honor its mandate and protect this consumer of unpair and illegal reporting of false debt.
|
| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I contacted this company for debt verification on XXXX/XXXX/2015. They acknowledged this in the original complaint I filed against this company and yet here it is XXXX/XXXX/2015 and I have not received any verification of this debt. They are still reporting it to my credit reports and I want it removed. They can not verify the debt and have n't attempted to do so. If they are not going to be held responsible for breaking the rules of the FCRA I will take it further. Original correspondence was case number XXXX, they stated ... On XXXX XXXX, 2015, XXXX XXXX logged into her account using our website www.payerc.com. At that time, XXXX XXXX sent correspondence to our Customer Care Team requesting validation of debt for the referenced account and mentioned that she would also like the item removed from her credit bureau report.
Per her dispute, our agency updated the account as a disputed item and placed in an investigatory status to prevent further collection efforts from proceeding. Additionally, the account was updated accurately as " Disputed '' with the credit reporting agencies on XXXX XXXX, 2015.
they have not validated or verified, I want this removed from all XXXX credit bureaus asap
|
| 11/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received my credit report from XXXX and disputed a collections account from Enhanced Recovery Co. on XX/XX/XXXX. The reason for dispute is that I have no knowledge of this account and I am not responsible for it. The debt on my report is identified as a collection for {$230.00} past due as of XX/XX/XXXX for " XXXX XXXX ''. I got the results of the dispute and it was deleted from my report. I then checked my XXXX report and disputed the same collection account on XX/XX/XXXX. The dispute results came back XX/XX/XXXX and XXXX said they investigated and did not change anything, and rejected the dispute saying the existing information was verified. This company has never contacted me before regarding this debt, EVER. After digging through my files I found a letter from a company called XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} that identifies an Account with XXXX but has a different account number. My report states that this account was opened in XXXX on the XXXX of this year. This is completely inaccurate and I don't know how to get it removed from XXXX. I do not see is on My XXXX and it was deleted from XXXX, but it popped up again showing as a new collection account from the XXXX.
|
| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
occasionsSwitched cell phone carriers from XXXX to XXXX on XX/XX/XXXX. The final XXXX bill was brought to XXXX and they mailed us XXXX pre-paid XXXX cards with the early termination and fees total. We sent everything to XXXX and paid the outstanding balance so that we had a zero balance. The following month we received another bill from XXXX stating we owed another month of service totaling approximately {$280.00}.
We contacted XXXX and explained we have all the documentation proving we had paid everything in-full and no longer was with them, but they were adamant we owed the money for a difference of XXXX days between the billing cycle and when we actually left their service.
We tried on several occasions to correct the problem, but it was to no avail. After a few months we found that XXXX had actually put us in collections and it was having a negative effect on our credit scores and history. We started receiving repeated phone calls from a collection company ( ERC ), but again they just wanted the money and did n't want to hear anything but how we were going to pay it off. We finally researched how to file a complaint against these companies for their actions are awaiting resolution.
|
| 08/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/XXXX a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this, I contacted XXXX/XXXX XXXX XXXX XXXX who investigated the same and verified that the contract employee had fraudulently signed the previously mentioned agreements in my name. XXXX XXXX XXXX XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services in a timely manner and yet I am still being billed for services that I did not agree to receiving.
Collection efforts are now being instituted against me by ERC located at XXXX XXXX XXXX, XXXX, FL XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein.
I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was very familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she would be willing to verify this fact in writing if need be.
|
| 11/14/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
In XX/XX/XXXXI had a XXXX phone belonging to my son and myself. XXXX was very nasty at the time, I ignored them keep from having a XXXX or XXXX XXXX at the time. I sent payments to them for this account, in which they told me they had applied the payments to another account I had with them. I was really angry, so I stopped paying them back in XX/XX/XXXX. It fell off of my credit report with XXXX after 7 years. Then XXXX after 8 years and the limitations were up ( the 7 years ) sold the account to Enhanced Recovery in XX/XX/XXXX. How could they sell the account after it was past 7 years. Anyway, I tried to pay XXXX again, and the cost had increased a lot from what I originally owed them, and that is where we are now, I am told that since they sold this account, Enhanced Recovery can use it as a new date of XX/XX/XXXX. So now its been almost 14 years that this account has been in existence. I would like to know if you can help me at all. I hope you can understand what I am writing, it seem very unfair, if XXXX sold it before the 7 years, I could understand a little better, but it was well after. I am XXXX years old next year, and I ca n't fight this by myself. Thanks and have a great day!
|
| 06/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have been contacting Enhanced Recovery for over a year to be ignored. The company has a fraudulent account reporting on my credit report on XX/XX/2015. I have been incarcerated in the Alabama Department of Corrections for the past 10 years and have never lived in XXXX, Michigan. I simply asked for an investigation as described in the United States Code Service Title 15, The Federal Fair Credit Reporting Act section 623 ( a ) ( E ) and all sections that the company have failed to provide and I indeed demand this fraud be removed out of my name NOW!!!! I recently have been released and will provide proof that I was indeed incarcerated. The documents will provide my entry date and release dates and I ask that this office make them verify the information I have provided and remove this fraud out my name. I dont have time to be ignored as my previous experiences! I dont have time for them to put me off because it isnt them, keep up office mess first, or just simply not caring any longer because I have had it with them ignoring me. I HAVE NOT AUTHORIZED ANY PERSON TO USE MY INFORMATION NOR DO I KNOW OF ANY PERSON WHO OBTAINED MY INFORMATION. IT WASNT ME AND I WANT IT OUT MY NAME NOW!!!!!!
|
| 02/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I decided to try XXXX services for my wife and I so I purchased phones for both of us. After a day or two of trial we felt unsatisfied so we headed back to the store and we returned all items. We got charged with restocking fees and taxes. Later on I got a bill in the mail in which I was being charged {$1200.00} for the returned items. After several attempts of arguing for about XXXX months about whether I owed XXXX or not I was dismissed of such charges, but a month after I was charged by a collecting company called ERC for {$61.00}. I asked them to explain such charges weather if they were fees or taxes and they we unable to disclose information. Therefore, I asked them to send me a bill in the mail with details about the charges, as well as a dispute package and they told me they would send me a bill. About the dispute part, they said that I needed to call XXXX to discuss the charges with them but XXXX said that I had to discuss this with the collecting company. I never received a detailed statement neither a chanse to defend my self about such charges, I checked my credit score and found a red flag in it because of this.
I am now hoping you may help me with this case.
Thanks :
|
| 08/19/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
When I initially contacted ERC on the XXXX or XXXX of XXXX it was to negotiate a settlement for a debt owed to XXXX XXXX XXXX. I spoke with two agents ( XXXX XXXX and then XXXX XXXX ). XXXX was the supervisor because XXXX didnt want to my agreement amount. First, XXXX asked personal information about my job and income which I refused to provide. Second, he didnt follow my instructions on where to send the agreement letter. So I didnt receive it in a timely fashion. Luckily I was able to intercept the letter, but it was two days before the due date that HE set when I asked for it to be set to the XXXX. I then called back today on the XXXX to see if an extension could be filed or if the balance agreed of {$46.00} could be handled over the phone. They didnt accept my credit card type so nothing could be done. I asked the young lady ( XXXX XXXX ) if she could email a new letter with the settlement agreement of {$46.00}. The email doesnt even state that amount ; it has the original debt amount of {$92.00}. Im not trying to go back and forth when I called them to settle. Now sending the letter to the wrong address was underhanded and deceptive. I now have two days to get a payment to them.
|
| 03/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
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XX/XX/XXXX Speaking to XXXX and they transferred me to this company, Spoke with company, explained to them I have not heard anything about this supposed debt in years, They were trying to say that I am in collections with them since XXXX for a XXXX bill for {$600.00} asking for payment today with my debt card. Told these people I am not in collections with anyone. I track my credit report all the time and I just bought a home recently and it would have shown up on the credit reporting as well for my mortgage. I expressed to them I filled bankruptcy in XXXX and im sure the bill was in it they just kept asking for payment, the person i was speaking to them put someone else on the phone stating that he would be able to help me. I stated to him that I will not give my debit card information over the phone to anyone and if they want to send a letter regarding this I would look it over, the man said they would send a letter but they never asked my new address or contact information. Very strange to me and very strange I havent heard anything about this in 8 years and I have no collections on my credit report as they say i do, and just kept asking for payment today when I know I do not owe
|
| 12/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Dear ERC Enhanced Recovery Company Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report.
XXXX XXXX PARTIAL ACCT # # XXXX XXXX PARTIAL ACCT # XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Name : XXXX XXXX XXXX Account # XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$490.00} Date Updated : XX/XX/XXXX Original Amount : {$490.00} Original Creditor XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$460.00} Date Updated : XX/XX/XXXX Original Amount : {$460.00} Original Creditor : XXXX Past Due : > $ XXXX
|
| 09/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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On X/XX/2017 my phone rings and shows a number at XXXX. When the in formation shows up it showed that this is a company that I had already reported before to the Credit Bureau for just putting information on my credit report that had been removed over 4 to 5 years ago for a debt that either was not mine or had been disputed by prior credit collection companies who removed the information from the credit report. I also contacted them ( ERC ) and received conformation that the debt was removed. I am not sure how this account showed up almost five years later with ERC and just placed on my credit report with no knowledge of this account by me and with a new age date on my report. After, I informed the credit bureaus and this collection company about this they removed the information but now I have started receiving calls from this company again when I plainly sent in communication not to call me but they continue to call me from different numbers for no reason. When I sent in my communication I let them know I would like to know off the top the statute of limitation on this alleged debt and why did they just put inaccurate information on my report that was re-aged to begin with.
|
| 03/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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OnXX/XX/2018XXXX I mailed a letter to ERC requesting debt validation. I was sent a copy of a bill from XXXX XXXX XXXX in the amount of {$1000.00} and no validation about a XXXX bill in the amount of {$650.00}. I requested proof that I was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/2018, that this was not a request for verification but a request for validation. I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or delinquency verification that debt was assigned or sold to the collector ERC has failed to provide me with this information. Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove they have the legal right to collect this debt.
|
| 04/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I paid the original creditor, XXXX, in FULL, receipt # XXXX in the amount of {$670.00}. Enhanced Recovery Company, located in XXXX, FL has refused to remove this from my credit report. I am in the middle of a mortgage that is about to expire. After repeated attempts to have them remove this, I keep getting the same answer, " will not delete. '' This has to come off my credit report through all XXXX bureaus, XXXX, XXXX and XXXX because they are reporting this inaccurately. They sent me an email yesterday stating they would report it to the credit bureaus as " Paid in Full. '' Unacceptable. XXXX recalled the debt and I paid them directly, NOT ERC. If they fail to remove this IMMEDIATELY and provide documentation that it will be done as it takes the credit bureaus weeks to remove, I will lose my {$170000.00} home. If they will not remove, I will escalate this to Federal court, and sue for pain, suffering and loss of my home over a {$670.00} PAID IN FULL bill through the original creditor. They do not own the account, XXXX DOES. Contract on my house expires in a week, I have already spent weeks working on this, and Enhanced recovery refuses to remove for a debt they do not own!
|
| 07/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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XXXX XXXX XXXX claims I owe a debt of {$99.00}. XXXX XXXX XXXX originally sent this debt in XX/XX/XXXX to XXXX, a debt collections agency, and it appeared on my credit report at that time. When I contacted XXXX XXXX XXXX about the debt they reviewed my file and stated it was an accident on their behalf and that my account was paid in full and was at a {$0.00} balance. XXXX XXXX XXXX wrote me a statement which I sent to XXXX and they erased the debt and it came off my credit report in XX/XX/XXXX. Recently, in XX/XX/XXXX, the same debt of {$99.00} from XXXX XXXX XXXX showed up AGAIN on my credit report although it was with a different collections agency, Enhanced Recovery Company. I contacted XXXX again about this situation and they claimed they could n't help me because they never sent the debt to any collections agency. So I called Enhanced Recovery Company and they claim they can not find the debt in relation to me, not even with my social security number, so there was nothing they could do! But, the debt still appears on my credit report and is still bringing down my score! XXXX XXXX XXXX has sold a fraudulent debt to collections agencies and I am the one being punished!
|
| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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Hello, I purchased XXXX phones from XXXX : I was originally with XXXX Bought XXXX new phones and switched to XXXX and ported my numbers Returned the phones to XXXX because the service was not good in our area - returned within the 2 week time period.
Bought XXXX new phones with XXXX, had number ported back In XX/XX/XXXX I received a collections notice from XXXX in the amount of {$1300.00}. I called XXXX and spoke with a rep ( got bounced around quite a bit ). Finally got to someone in collections. I explained the situation to them. He did see in his system that the devices were returned and numbers ported out. He gave me a case number and said the resolution date would be XX/XX/XXXX.
On XX/XX/XXXX I received a collections notice from a different collections company regarding the same amount as above. Called XXXX back today XX/XX/XXXX and they said I have to go back to XXXX and have them make a note in their system that the devices were returned and ported back. The XXXX rep said there was no notes in their system showing my prior conversation with customer service. I asked to speak to a supervisor and they had me on hold for 35 minutes - the phone mysteriously hung up.
|
| 01/29/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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After over ten years of having my cellular phone service with XXXX, I ended the service with them XX/XX/2014 via landline phone. My account had a XXXX balance when I closed it. I kept my phone number and signed up with XXXX. XXXX did not close my account but instead charged me a " re-connect '' fee as well as an additional month of service. I have called them numerous times to dispute their unethical conduct, waited on " hold '' for over 20 minutes on some calls, all to no avail. It appears they outsource their service calls and ironically, there is a complete lack of communication. Since their recording says that the conversations will be recorded for " training purposes '', I have requested they review their recordings of our conversations as it would reveal that I have indeed requested the closure of the account when it had a XXXX balance. I had the collection removed from my credit report, only to find that the " collection '' has been sold to another agency and it is on my credit report once again. Although it is only {$120.00} it is the principle of the matter. I do not owe XXXX anything, but it is difficult to fight against this giant as a simple everyday consumer.
|
| 09/20/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I received an email alert today XX/XX/XXXXfrom XXXX. After checking what the alert was in reference to I noticed it was for my account being flagged for collections in the amount of {$1200.00} from a collection agency named Enhanced Recovery Co L. I immediately called XXXX to report this debt collection, because it is not me or my debt. The woman I spoke with told me this debt collector is trying to recover a debt for XXXX XXXX XXXX. Ive NEVER had XXXX XXXX XXXX. this is 100 % not my debt. At the instruction of the person I spoke with at XXXX 's fraud dept, I contacted Enhanced Recovery Co L to report to them this is not me or my debt. They then told me the name they had on file was my maiden name from XXXX years ago, and gave me the phone number and email address they had on file, along with a name ( not mine ). They gave me instructions for reporting this debt collection as fraudulent.
The information they gave me was as follows : the debt collector : Enhanced Recovery Co The company of the original debt : XXXX XXXX XXXX The date the account was opened/closed XXXX The amount of the debt : {$1200.00} They also provided a phone number and email address they had on file.
|
| 11/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ======= Enhanced Recovery Compan Opened XX/XX/2019 - {$890.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount.
Balance {$890.00} Highest Balance {$890.00} Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX ======= The date of XX/XX/2019 is absolutely absurd! This was already settled wit XXXX!!! XXXX had lied and the promises made/ statements made were false and misleading.
I owe XXXX XXXX!!!
If they were TRULY owed money we would already be in court. If this keeps up showing on the report as an amount due I WILL take legal action, against both the collection company as well as XXXX. I will subpoena recordings of the promises made ( XXXX records all calls ) and present bank statements to show what they lied about!!
Thank you.
========= My mailing address is NOT XXXX XXXX XXXX as the PO does NOT deliver to my street.
My USPS address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX.
XXXX XXXX is a remote address. We JUST got electricity about a year ago!!!
|
| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 05/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX while preparing to move out of state from my address of XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX I went to return my XXXX Equipment as required by my contract. I went to XXXX XXXX XXXX XXXX XXXX.
XXXX, CO XXXX XXXX XXXX stars out of XXXX XXXX rating to return my equipment. I waited patiently for over a hour for service. When it was clear that the process was going to take more than a few hours of additional waiting, a service representative at the retail location suggested that we place the equipment on the counter and assured us that he would check it in, so we could leave, since we had been there for such a long time for a basic service. Which we did. We followed the service representative 's instructions and placed our equipment on the counter giving him our name and account information and left.
Shortly after this event I received a XXXX bill for {$150.00} for equipment. I called and spoke to a representative which refused my version of events. when I received another bill, I called again and got no where. I have refuted this charge on all of my credit reports since they have listed a derogatory comment. Today I called the collection agency and complained.
|
| 01/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Sent notarized debt validation letter on XX/XX/XXXX, Via Certified Mail Requesting -The amount the respondent claims is owed -An explanation showing how the amount was computed -Copies of any documents with proof I agreed to pay the alleged amount -The identity of the original creditor -Confirmation that the account has not crossed the statute of limitation ( SOL ) period -Evidence that they are a licensed and registered debt collector -Evidence of license numbers and registered agent Included in the letter was notice it had 10 days to Respond from receipt date of the notice and if not then account must be deleted completely from report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX it is now XX/XX/XXXX and they have fallen outside of allotted time frame to Perform per notice and my report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX still reflect the negative and damaging reporting. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so. Note that respondent has also been contacted multiple times. I also note the company is not licensed or registered in my state nor has provided proof of such information as requested.
|
| 02/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Recent monitoring of my credit reports shows an account XXXX listed by enhanced recovery collection agent in the amount of {$1700.00}, from a original creditor, t mobile, i hereby dispute that this account is in error, unverifiable and inaccurate and should not been reported to the my credit reports, i have not receive any correspondence about this debt from XXXX or the collection agency verifying this debt and providing contractual agreement bearing my wet signature and identification. Reporting of inaccurate information from debt collectors to credit report is against the fair credit reporting act and i demand that this issue be addressed immediately, i demand that such report be removed from my credit reports immediately, i also demand verification of debt from the collection agent providing with the contract with the said creditor bearing my wet signature and identification and itemization that amounted to said amount reported on my credit reports, failure to do so will warrant a legal action for defamation of my credit report and unscrupulous means of collecting debt. The items reported to XXXX and any other credit reporting agency should be removed immediately.
|
| 07/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection Agency Reported to XXXX Credit Bureau ( Below is the information Reported by the collection agency : Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Original Creditor Name : ERC XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$120.00} Date of 1 st Delinquency : XX/XX/XXXXBalance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information THIS IS A FALSE CLAIM THAT I OWE ERC XXXX XXXX OR ANY OF THEIR SERVICES AN AMOUNT. I HAVE NEVER REQUESTED THEIR SERVICES NOR DO I KNOW OF THIS ACCOUNT. I have already tried to contact the collection agency back in XX/XX/XXXX providing them with my full name and my address, but the collection agency refused to give me detailed information unless i provided them with my Date of Birth and Social Security. The collection agency also refused to give me their full name of the rep i was talking to and the Rep hang up the phone on me. I also disputed this account on XX/XX/XXXX to XXXX Credit Bureau.
|
| 08/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This company is trying to collect {$31.00} for an account over 17 years old! They dont even have my last name, just mailed it to XXXX XXXX at my current address. This was for XXXX XXXX XXXX XXXX. I told the collector I hadnt had that service in over 15 years and that the statute of limitations had expired many times over.
Now theyve mailed another for XXXX XXXX. I did have XXXX within the last 20 years but that was 3.5 years ago and XXXX sent me a refund because Id paid my final bill before my deposit was applied. I didnt address this one with them because Im already inundated with calls from XXXX and other unidentified numbers, even though Ive had this phone number for 16 years and been on the do not call list since its inception.
The collection company is ERC, XXXX. XXXX XXXX XXXX fl XXXX. The phone number they give is XXXX. The correspondence address they give is XXXX XXXX XXXX XXXX fl XXXX.
My credit report shows an on time payment rate of 100 % and I dont want it damaged over {$31.00} from 17 years ago when I no longer have records to prove I did or didnt pay this bill. This company is acting outside of the law and their tactics are sketchy and corrupt.
|
| 05/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Enhanced Recovery Company , LLC has reported a debt in collections that is not mine on my credit report. I had it removed 3 years ago by XXXX, and on XX/XX/XXXX they reported it on my credit report again. I attempted to contact them to remove the collections account and they informed me that I should email them with a copy of my credit report because they could not locate the account. I emailed them a copy of my credit report on XX/XX/XXXX. They responded on XX/XX/XXXX stating they could still not locate the account and to provide additional information. I provided this information and they responded again on XX/XX/XXXX stating that they located the account and provided payment details. I then telephoned their location and they stated that I did not send any emails and needed to send an email. After stating that I had already did this, they hung up on me. I called back and talked to another representative and she stated that they had no record of any of my emails and could not help me with the matter. In addition to only being able to tell me how to pay the debt that was n't mine, they also stated they could not discuss the debt with me since I was not the debtor.
|
| 02/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX- I mailed letters to XXXX XXXX requesting debt validation. Each time I was sent a copy of a bill from XXXX. I requested proof that i was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/XXXX and XX/XX/XXXX, that this was not a request for verification but a request for validation.
I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or deliquency -verification that debt was assigned or sold to the collector XXXX XXXX has failed on 3 different occasions to provide me with this information.
Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove thaey have the legal right to collect this debt.
|
| 09/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX/XXXX MC with a balance of {$2000.00} was settled via phone conversation between XXXX XXXX XXXX agent and XXXX XXXX representative on XXXX for {$710.00} lump sum payment to be received by XXXX XXXX on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by XXXX XXXX on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by XXXX XXXX as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. ERC Collections notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to ERC Collections on XXXX. ERC Collections notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance.
This account was settled in XX/XX/XXXX. No further settlement terms are needed or secure.
|
| 05/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2021 I reviewed my credit report with XXXX. I had noticed a collection item was placed on there for XXXX XXXX in the amount of {$6800.00}. Account number displayed was XXXX. I called the collections agency which was named Enhanced Recovery CO L with a phone number XXXX. I spoke to the Office of the President. I advised the rep who answered there are multiple violations regarding the FCRA. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you ERC has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Also ERC did not send me a letter in writing to give me any notice of such debt. They are legally to send me a letter in writing allowing me 30 days to dispute the validity of a debt in which they did not. They put it on my credit report with no notice.
I requested proof bearing any documents with my signature on it with ERC 's company documents or any letterhead. They have been unable to provide proof of my signature on any of thier company documents.
|
| 03/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX ENHANCED RECOVERY COMPANY, address XXXX XXXX XXXX XXXX XXXX, FL XXXX phone number ( XXXX ) XXXX placed a collection of of {$250.00} on my XXXX credit report. I have never received any correspondence prior to this being placed on my credit report and it is not my debt. I requested this be removed.
ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$250.00} Date Updated : XX/XX/XXXX Original Amount : {$250.00} Original Creditor : XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection< Page 7 of 29 Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note : Accounts are reported as " Current ; Paid or paying as agreed '' if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid
|
| 09/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX I cancelled my contract with XXXX because my phone would not work at my home. I was told that I would receive a last statement. The first of XX/XX/XXXX I received a statement of {$26.00} which stated " This is your final bill, and it reflects all charged through XX/XX/XXXX. On XX/XX/XXXX I paid this bill in full. Around the XX/XX/XXXX, I received a statemen from XXXX stating that I owed XXXX {$250.00}. I called this company and told them this information and then sent copies. While talking to them, they stated that on XXXX XXXX, I paid {$40.00}. I did not pay anything after XXXX XXXX. I thought that would stop the harassment and that it was all over. At the end of XXXX, I received a bill from XXXX XXXX XXXX with the same information. I mailed the same information to them on XXXX XXXX showing I had paid their bill. Today I received a bill from Enhanced Recovery Company LLC demanding that same amount from XXXX. I believe that XXXX is harrassing me by continuing to have different companies send letters demanding a bill that they know I do not know. Also, I believe they are putting this on my credit report every time. Can you please stop this harassment?
|
| 09/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
CREDITOR IS NOT ORIGINAL ACCOUNT GRANTOR, DISPUTED TWICE BEFORE ASKING FOR ORIGINAL RELATIONSHIP DOCUMENTS BEARING THE CORRECT GPS LOCATION DATA VALIDATING THE DEBT WAS LEGALLY OBTAINED. I RECEIVED NO COMPLIANCE, I THAN ASKED CREDITOR TO PROVIDE ME WITH THE METHOD OF VERIFICATION USED TO INVESTIGATE THIS CLEARLY INACCURATE DISPUTE? ALL I ASKED FOR WAS THE ( CONSUMER CONTRACT BEARING MY WET SIGNATURE ) TO VALIDATE THIS ALLEGED DEBT BELONGS TO ME AND I STILL HAVE NOT RECEIVED ANY COMPLIANCE WITH THIS COLLECTOR. Please have collector provide ORIGINAL DOCUMENTS AND statements stating the debt belongs to me, the debt was sold, or the debt was purchased. FDCPA legal time frame STATES YOU MUST inform me WITH A NOTICE ( 5 days ) OF YOUR ORINGINAL PURCHASE DATE, ABOUT THE PURCHASE OF THE DEBT. Please provide original relation documents betwen original creditor or remove this from my account for it is a violation of the FDCPA to try to collect on debt that you not verify as correct or true, If you claim to have verified this account and claim to have sent the formal notice of obtaining the debt than please send original copies of documents sent or remove this my report.
|
| 03/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
False reporting of invalid/fraudulent debts to credit reporting agency XXXX XXXX XXXX is suddenly appearing on my credit report multiple times with invalid debts. The only XXXX account that I ever had was paid in full and the equipment returned. There was no further correspondence received from the original company. I have not had nor do I currently have a XXXX account. I have also never received a letter or phone call from XXXX XXXX. Whenever I attempt to call XXXX XXXX XXXX I have troubles. They have an XXXX number that never gets me anyone as well as the contact numbers that have been left on my credit report are not in service and have not been updated, which is already evident of bad business practices. In looking up this company they have a bad rating and according to many have a shady history of doing business. These are not valid debts and are leading me to believe that XXXX XXXX XXXX is in fact fraudulent. These negative reports are inaccurate and I have yet to receive any information showing otherwise. These items should be removed from all credit agencies as they are invalid, disputed and causing negative marks on my credit report and credit score.
|
| 04/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I am writing because today XXXX of my parents received upsetting voicemails on their phones directed at me. The person on the line personally identified herself, then implied that she was an official legal representative communicating a message regarding district court proceedings against me in our county of residence. She stated that there were " various official complaints '' against me and that I could still contact the " Plaintiff '' at a provided number.
My parents and I are well informed regarding legal process, so it was immediately clear that it is not time to call the lawyer. After matching the number from the voicemails to my credit report, I found that this was a call from Enhanced Recovery Collections XXXX., which was never disclosed in the communication.
I am in the process of repaying debts accrued while injured and unable to work. I can not pay everything at once, however, and using indirect, deceptive practices such as this is not helping me to understand my debt or how to repay it. Impersonating the local government and making slanderous statements about numerous complaints against me in the court is very upsetting to both me and my family.
|
| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I received a Collection Bill from ERC ( is a debt collector ) in behalf of XXXX XXXX XXXX for the amount of {$1600.00}. ERC telephone number is ( XXXX ) XXXX. This letter came on XX/XX/2022.
Immediatelly, I contacted XXXX XXXX XXXX fraud department and filled a fraud document through the internet where I had to write my Social security and other information about me. This was the only way to proceed for a fraud investigation. I don't like to give my personal information but this was the only way to continue.
They answered and sent me a note that they will respond in 5 days. After 4 days, I received another note, telling me that they will send a document to be filled in the next 21 days.
At the same time, I reported to XXXX to see if there is a stranger request in my report but they told me that everything is normal. Also, I blocked my account and file an alert.
I also called my Bank and reported that there was an alert about this situation.
Yesterday, my wife completed a report of fraud to the police department in the city of XXXX XXXX.
Today, I have made a report to " XXXX XXXX XXXX XXXX XXXX' with an alert of fraud.
Thank you very much XXXX XXXX
|
| 04/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of 2020, I had paid off an XXXX XXXX which I was previously paying installments on through XXXX. I specifically remember chatting with a XXXX Customer Service Agent via online chat, and then I even spoke on the phone with the same agent toward the end of the transaction as I wanted to make absolutely sure that I was being assisted in paying ANY/ALL payments required in order to be relieved of my contract with XXXX, which I made very clear to the XXXX agent XXXX He instructed me of the total amount due, and even ended up assisting me with getting the cell phone set up on a cheaper, prepaid service plan after the phone was deemed unlocked. I happened to save the chat transcripts between the agent and I on that specific evening, in preparation of an event like what I have been experiencing for the past year & a half.
For some reason, these debt collection agencies have been contacting me claiming that I owe XXXX near {$300.00} which is simply false and not possible. This is very frustrating because it has definitely impacted my credit score, as well as the fact that this is not even something which i should be having to spend any more of my time on.
|
| 08/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This doesn't give me an option to select multiple issues with this company. For one thing, I do not know what this debt is and I've disputed it and asked them to not call me. I've also written a formal letter about the debt. I decided to answer a call last night from an unknown number that happened to be them calling again. Upon answering the phone, I had to say hello repeatedly because no one answered. Finally, when someone decided to answer they said, " Are you okay? " ... HM, that's strange, you called me ... decided not to say anything for a good 10 seconds and you're asking if I'm okay? After that little conversation the girl, who claimed to be XXXX, wouldn't stop arguing with me and raising her voice. I tried multiple times to get the company name, where they are based out of, a different phone number, her full name, why they won't stop calling, among other questions during this conversation. XXXX, only wanted to tell me her first name and the company name, ERC. She provided no other information and tried to dispute the FACT that they won't stop calling me. This is unbelievable and these people NEED to stop calling me before I get a lawyer involved.
|
| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
We received a bill from " ERC '' ( the only identification on the bill, no other heading on the bill ) collecting on a bill from XXXX XXXX XXXX ( XXXX ). We have lived in the same house for over 30 years and have never had XXXX. The bill was for {$190.00} Called ERC, they referred me to XXXX. Quite clearly through the conversation with XXXX, this account was not associated with us, except that the first and last name of the delinquent consumer was the same as my husband. XXXX told me that I needed to file an identity theft report with the police and a notarized affidavit regarding not receiving services. In other words, a half day 's work. The entity that had stolen my husband 's identity in this scenario was ERC.
While on hold, I googled the name and found an obituary for someone with the same first and last named in the correct city where the service was provided ( which the XXXX rep has disclosed ).
ERCs apparent practice is to mail a bill to someone with the same name as the delinquent account in hopes that they will simply pay the bill. To me, this seems the same as " phishing '' using the USPS rather than the internet. It seems like fraud to me.
|
| 02/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have attempted to reach Enhanced Recovery Company on numerous occasions regarding this debt that I allegedly owe for {$1000.00}. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Enhanced Recovery Company nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Enhanced Recovery Company provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its SOL, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters.
If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XX/XX/XXXX..
|
| 08/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Today I learned your organization has reported a balance of {$770.00} for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it. Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past my credit report has been merged with that of another and I have also been the victim of identity theft, so it is imperative I know the origin of all debts. Please provide proof of debt within 15 days of receipt of this request. If you can not furnish proof of debt, please request the deletion of this item from my credit report immediately.
Additionally, you have reported this account opening in XX/XX/2019. While I am not familiar with the account or balance you are seeking to collect. I am certain I did not acquire any kind of account with such a balance in the month in which you are reporting the opening of this account. It appears as though you have re-aged an account to make it appear newer than it actually is to cause maximum damage to my credit report.
|
| 11/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
ERC states that I do not have an account with them, but yet they are the ones reporting bad information on my credit report. If I do not have an account with you you should not be reporting your name on my credit report. Your statement says I owe XXXX but that is not what is reporting on my credit report. I DEMAND YOU REMOVE ALL NEGATIVE INFORMATION from my credit file. I do NOT have a signed contract nor any contract with ERC. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collection. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these account.
|
| 12/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX, XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number:XXXX. Please remove phone number that doesn't belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : ENHANCED RECOVERY COMPANY- account # : # XXXX, XXXX XXXX XXXX account # : XXXX
|
| 07/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
ERC sent a notice to my address on XXXX/XXXX/XXXX in regards to a debt that they are assuming I owed offering me a payment or settlement on the account ... ALSO ON THE LETTER IS SPECIFICALLY STATES UNLESS YOU DISPUTE THE VALIDILITY OF THE DEBT OR ANY PORTION THEREOF WITHIN 30 DAYS AFTER RECIEPT OF THE NOTICE THE DEBT WILL BE ASSUMED TO BE VALID BY US IM confused the letter was mailed on XXXX/XXXX/XXXX received on XXXX/XXXX/XXXX but it was reported on my credit on XXXX/XXXX/XXXX?????? I am in the process of closing on my home and I feel they know this and would be easy way to collect the debt ... ..BUT I KNOW THERE HAS TO BE A LAW THAT STOPS THIS HOW CAN THEY MAIL A LETTER ON XXXX/XXXX/XXXX BUT ADD IT ON MY CREDIT ON XXXX/XXXX/XXXX THIS IS UNFAIR AND I KNOW THE LAW DOES NOT ALLOW THIS AND HOW DO I EVEN KNOW THIS IS MY DEBT I DID NOT GET AYTHING SAYING IT WAS MINE OR PROVED IT TO BE MINE EXCEPT A STATEMENT ASKING ME TO PAY ERC HAS UNFAIR AND FRAUD PRACTICE AND THEY SAY IT WAS OPEN IN XXXX XXXX????? WHEN THEY MAILED A LETTER XXXX/XXXX/XXXX THIS REALLY MAKES NO SENSE AT ALL I have attached my credit report and also the letter ... ... ... ... ... ... ....
|
| 02/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The debt of XXXX was paid on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called Enhanced Recovery Co. to dispute the claim. They told me I have to call XXXX XXXX where it was forwarded. I have already paid off the debt on XX/XX/XXXX, so there is XXXX balance on the particular event that is on my credit history. They are trying to get me to keep paying more money when it is already paid off. I called ( XXXX ). The man on the phone is named " XXXX '' who is from Enhanced Recovery who claims he is a supervisor when he's the original person that answered, he may or may not be. He keeps trying to get me to pay more money for an already paid due. My financial advisor is guiding me and says this is illegal to keep trying to collect money for a debt that was already paid years ago. This guy went from saying I need to pay {$190.00} and is now saying I only have to pay {$140.00} because he is giving me a discount but that's the lowest he can go, and I feel like I'm negotiating in a flea market in a third world country and this whole thing doesn't feel right and seems illegal. Please help me get this deleted off my credit! Thank you for your time.
Kind regards, XXXX
|
| 12/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Collection placed by XXXX XXXX in XX/XX/XXXX. The phone did not work in rural area, I was alone with no service on my cell. XXXX was the only service that worked. XXXX agreed to not pursue the remainder of the contract, they sent it to collections after agreeing not to pursue the balance. The collection agency is reporting it as of XX/XX/XXXX, this is from XXXX. It has hurt my credit rating several times when applying for loans, higher percentage of interest. The collection is going to be removed XX/XX/XXXX due to the expiration of 7 years on a credit report. I contacted the collection agency over the report in XX/XX/XXXX so they changed the collection to read it was opened in XX/XX/XXXX, this is from XX/XX/XXXX. I have been with XXXX XXXX since XX/XX/XXXX due to this cellular not working. This has stopped me from applying for a mortgage to get a new home. I tried to reduce the rate on a current loan I have and due to this collection report incorrect, it was denied. I cant apply for any loans till after this is removed. I have talked to several XXXX customers and this company is ruthless in sending out collections for a product that doesnt work.
|
| 09/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Recently I looked on my credit report to my surprise. I saw a collection for XXXX, the phone company, in the amount of {$190.00} dollars. The collection agency is Enhance Recovery company. I have not heard from XXXX in over 2 years and as far as I know I did not owe XXXX any money. My bill was paid up. I called XXXX to find out why this accord. They could not tell me anything. They said the number I had given them belong to someone else. Also they could not find my name or any information. I decided to call the Collection Agency I ask them about it I said '', where is the statement about this bill because I never got XXXX. The man on the phone replied ', we got this bill from another collection agency in XXXX and the time to dispute it is over. '' According to him they were the third agency this was handed over to. I am upset because this is on my credit report and I had no knowledge of owing sprint anything. Also no one can tell me why I owe XXXX this money. This is not a good phone company in my opinion as a consumer. I am not the only one who has complained about them. I am waiting for a statement from the collection agency that I never got.
|
| 05/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I found out yesterday XX/XX/XXXX that a company called Enhanced Recovery CO L has reported to the 3 credit agencies that I owe {$1200.00} because of a bill from XXXX XXXX XXXX mobility. I contacted XXXX XXXX XXXX and they deny that I owe them that money and that it is a fraudulent charge. The company Enhanced Recovery CO L, called me late in XXXX and after the discussion it was my understanding that they understood it was fraudulent because I don't own a XXXX XXXX XXXX mobile phone and haven't for many years. After that I never heard from them by either phone or mail. Yesterday I checked my credit report and saw that they reported the collections and 5 missed payments seriously damaging my credit. As I mentioned earlier, I never received anything in writing from Enhanced Recovery CO L. They posted that I missed these payments XX/XX/XXXX to XX/XX/XXXX. Efforts to reach them by phone led me to a phone with no voicemail box that would not let me even leave a message. There contact information from XXXX is as follows : Enhanced Recovery CO L XXXX XXXX XXXX XXXX, FL XXXX XXXX My contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
|
| 07/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Soon after I turned XXXX, probably about 5 years ago I went to XXXX and I signed up for a Prepaid phone plan. The plan was not under contract and it was able to be cancelled at any time. I stopped using that phone and I went to another carrier due to the awful service I had been receiving.I have now located a debt collection on my credit report for $XXXX from XXXX. I have NEVER gotten any communication from XXXX telling me I owe this bill, and I have never been given a chance to pay the bill before it was sent to collections and I had no knowledge I even had a bill from them since this was a prepaid account. I have also never gotten any communication from the agency it is with now.I’m extremely concerned that I am being held responsible for this without being given a chance to pay the bill. I would never let a $XXXX bill go to collections and damage my credit report but since I wasn’t given a chance, that is exactly what happened. I need proof that I owe this bill, an explanation as to why this was not communicated to me, as well as an agreement to remove it off my credit report before I pay for it.This is very disorganized and unprofessional.
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I had a XXXX bill that I disputed quite a while back. I left XXXX sometime in XXXX after my divorce. They tried to bill me telling me that my contract " automatically renewed '' but I did NOT renew and had switched to XXXX XXXX XXXX. I fought the bill and they took it off my report. I thought this issue was settled but a few months ago saw it on my credit report again. I disputed the bill and had a phone call with someone and they said that my contract extended automatically but said my account was stopped in spring of XXXX. I got in XXXX XXXX and the bills say that it was recently opened in XXXX XXXX. I called XXXX and they don't even have a record for the bill but this collection agency is fraudulently trying to stick me with a bill I do not owe. Now, it says the debt won't fall off my credit report until XXXX. This has to be fraud! Copy of XXXX XXXX post : ENHANCED RECOVERY COMPAN Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX creditor XXXX OpenedXX/XX/XXXX( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX
|
| 05/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice on my credit report for a collections. This brought my credit down 43 points. I have no idea what this charge is for nor did the company attempt to reach out to me via mail or phone or any other communication prior to adding this to my credit file. The creditor claims the account was open on XX/XX/2020 and reported this on XX/XX/2020 for the amount of {$280.00}. First, I am not even sure what this collections is for because I have never opened an account with this company. Second, the company never reached out to me to even allow me the opportunity to dispute or take care of it. I am disgusted at the way this company does business because I feel I was blindsided and forced into an obligation that is not mine. I have worked hard to clean up my credit and have paid everything that I actually owed. {$280.00} is not a big amount and if it were mine, I would have paid that too. I have filed a dispute through XXXX and awaiting the results but I wanted to file a c complaint as well. This should have never happened and I feel proper business measures were not taken.
Company : Enhanced Recovery XXXX XXXX XXXX. XXXX FL XXXX XXXX
|
| 11/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
ERC is collecting for XXXX XXXX / XXXX. I had issues with their service. They did not provide the speeds they promised for the internet and the other services were unreliable. I complained and complained but nothing happened. I came to the end of the contract and I paid my bill. They claimed that I did not pay the final bill and that I did not turn in the equipment. With constant follow up and documentation I guided them to find their " missing '' equipment that was n't missing at all. I should be at zero with this vendor. If they claim that I owe them something it would be and is in dispute.
ERC is now collecting for XXXX. They have never given me notice of a collection account or I would have disputed the account. I have never been given an opportunity to validate the debt and this is a violation of the fair debt collections practices act. I must be given an opportunity to validate the debt of a 3rd party collection agency. FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.
|
| 05/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have talked to the first collection agency XXXX XXXX XXXX about this same debt and I have sent proof and documents that this account does not belong to me and its is not me debt, and they have since remove the account.
Now I see on my credit report that another collection agency Enhanced Recovery Company or ( ERC ) sent me a notice in the mail on XXXX XXXX 2016 stating that I owe this debt.
I am sending a letter along with this complaint to the CFPB and the FTC to say that this debt is not my debt and I never authorized any debt from XXXX nor ERC. This letter to ( ERC ) in response to an unauthorized traded on my Credit Reports. Be advised, this is a refusal to pay, because I never authorized or open any trade with your company or the original creditor, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I am starting to notice the deceptive practices that these collection agencies continue to mislead and deceive consumers and how nothing is being do n't to stop it. This is a violation of my rights under the FCRA and needs to stop.
|
| 05/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I sent a response letter to Enhanced Recovery Company, LLC XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, 2015 to verify and confirm a debt they claim was mine, and I never received a response. Yet within 30 days of the letter sent to the this Collection Company, they immediately reported a deliquent notice of {$450.00} to all three bureaus.
This Credit Company violated all my rights. According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e - False or misleading representations.
I contacted the original Debtor to further verify and confirm the nature and validity of the debt, and " is '' this debt associated to me or an act of false identity. They confirmed to me via telephone conversation that there was no debt of this nature found in there system or outstanding!
As a result of Enhanced Recovery Company, LLC reporting an erroneous and false claim, I am personally being injuried via the this credit report. My credit scores has fallen from XXXX down to XXXX which affects my work and economic status.
I would like to seek financial relief in addition to having my credit reinstated by all three bureaus immediately!.
|
| 10/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit reports I noticed that it was an account from ENHANCED RECOVERY CO L reporting negative on my report. I reached out to Enhanced Recovery Company , LLC along with their CEO XXXX XXXX and XXXX XXXX XXXX on multiple occasions to get more clarification on the unknow debt, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice.
My attempts have seem to fall on deaf ears without any proof of verification of this debt or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the valid proof that I owe them anything and they have the legal right to be reporting this negative information on my credit report.
The location communications were sent is XXXX XXXX XXXX XXXX, FL XXXX. I also disputed it with the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.
|
| 02/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection notice from ERC stating that I owe for an XXXX XXXX XXXX account that I have never had. ERC alleges that I owe {$290.00} but that they would settle for {$110.00}.
ERC also lists an account number that I have never had. I mailed a letter of dispute and have yet to hear back.
I also googled ERC and XXXX XXXX XXXX collections and found that there are tons of other people that ERC is sending these same letters to for fraudulent accounts alleging that money is owned to ERC on behalf of XXXX XXXX XXXX. Many people have had to file police reports for identity theft and fraudulent claims because of ERC.
In the letter sent to me, ERC is threatening to report this fraudulent account to the credit bureaus. I was one of the many effected by the hacking of XXXX so I am extremely concerned that my identity has been indeed stolen, especially since I have a very common name. On the XXXX XXXX XXXX online customer forum, there are so many people that have had their credit ruined for fraudulent XXXX XXXX XXXX collections. This is very scary. I am also filing complaints with the Texas Attorney General, the XXXX and the XXXX XXXX.
|
| 05/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX placed a notice on my credit report with XXXX stating that I had an account in collection from XXXX XXXX XXXX XXXX. I contested this item on XX/XX/XXXX because I had always paid my XXXX XXXX XXXX account on time and in full. As a result, the XXXX XXXX item was removed from my credit report.
Then on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX placed a notice on my credit report with XXXX stating that I had the same XXXX XXXX XXXX Account in collection. I contested this item on XX/XX/XXXXbecause I paid my XXXX XXXX XXXX account on time and in full, and because the item had been removed from my credit report. As a result of of my dispute of the item, it was again removed from my credit report on XX/XX/XXXX. On XX/XX/XXXX -- in spite of the item having been removed from my credit report two times previously -- XXXX XXXX XXXX again put same adverse notice on my credit report.
I have again disputed the item, but I should not have to keep doing this. XXXX XXXX XXXX is violating my rights under the Fair Debt Collection Practices Act and is damaging my credit.
|
| 05/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XXXX XXXX , 2017, I sent a certified letter t o Enhanced Recovery Company, LLC a nd XXXX XXXX requesting proof of the debt as it appeared on my credit reports, with requested documents of verification in accordance with FDCPA and FCRA while informing ERC that the debt has been disputed. Note : These certified letters were signed for by bot h Enhanced Recovery Company, LLC a nd XXXX XXXX on XXXX XXXX , 2017. On XXXX XXXX , 2017, I pu lled my credit report to see if the debt had been disputed since no acknowledgement or return letters had been received within 30 days from the initial letter being signed for and received. On XXXX XXXX , 2017, I sent another certified letter to them informing them that they have not only violated federal and state laws, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I then pulled my credit report again on XXXX XXXX , 2017 after they signed for the certified letter on XXXX XXXX , 2017 a nd the information has yet to be updated to claim I have disputed this debt.
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| 10/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
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I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded.
On XXXX 2015, I saw in my XXXX credit report, there is a collection from a XXXX party collection company " Enhanced Recovery '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed.
On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " XXXX '', on my XXXX reports.
It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX.
It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.
|
| 05/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On or about XXXX I ended closed my account XXXX . At this time there was a balance due of under ( {$500.00}. ) which I was told I would be billed for. I paid this bill on our about XXXX XXXX . Several month later the account was sent to XXXX collection agencies and this is now th e 4th t ime I have addressed this issue and the 2nd time wit h Enhance Recovery Corp. Th is account was previously removed on all three times from my credit report. I have supplied the documentation and proof of payment each time the last being in XXXX . I am prepared to file a harassment law suit for violation of FDCPA against XXXX and ERC if the account is not immediately removed from my credit report. The harassing phone calls that have begun have impeded on my work. I thought this matter was resolved in XXXX and I no longer have my documentation but ERC should because it was sent directly to them. The XXXX other collection agencies ceased all efforts after having been supplied the information and it appears that XXXX just keeps reassigning this PAID account to different collection agencies or ERC is attempting once again to collect.
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| 03/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received a " settlement opportunity '' letter from Enhanced Recovery Company, LLC dated XXXX XXXX. I had already disputed this same debt ( as it is not mine ) in writing last year. They first put the collection on my credit report on XXXX XXXX. They completely ignored my first letter asking them to validate the debt. I asked for proof that it was mine, not just a name and an old account number. They did not send me proof, and instead proceeded to put it on my credit report without further contact with me, and then sent another letter on XX/XX/XXXX. Since they refuse to send me anything other than an invoice asking for payment, I believe they should not be allowed to put anything on my credit report. I monitor my credit very closely and do not appreciate having to spend time writing letters to companies who buy bad paper and hope to threaten me with bad credit in order to get paid. Almost anyone can put something on my credit report these days, without any proof shown to me or the credit bureaus. After several attempts in writing to get some proof, it is still on my credit report. I would like you to step in and help resolve the issue.
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| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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On or about XX/XX/2023 I checked my XXXX consumer report after receiving a text message about a change and a decrease to my XXXX score. I noticed that XXXX was reporting an collection account from ENHANCED RECOVERY COLLECTIONS I never gave XXXX written permission to report anything to my consumer report which is a violation of 15 USC 1681b ( a ) ( 2 ) and thats a violation of my consumers right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) they have assumed a vital role in assembling and evaluating consumer credit, inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The INTERNAL REVENUE SERVICE in their publication 1212 states that collections are income to companies and their are suppose to supply me a 1099c I never received that form, so they receive income and trying to extort money from me and XXXX is aiding and abetting this extortion. I have taken the liberty to file an complaint with CFPB and will also file complaints with FTC and the ATTORNEY GENERAL
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| 03/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XX/XX/2014 my fiance called XXXX to cancel my service as she was switching me to her XXXX account. I was not aware of this action and working at the time. My service was stopped. I called XXXX and told them i needed my phone restored immediately as i used it for work ( XXXX ) and that i did not authorize the termination. I was informed that would be taken care of as soon as possible. The following day I still did not have service. I needed a phone so I went to XXXX as they claimed to have my number ported to them. I was set up by XXXX. About three days later, XXXX ported my number back to them shutting down my XXXX phone. I went back to XXXX and they apologized saying that XXXX should not have been able to do that. Ported me back once again and my service has been working ever since. My issue is that XXXX charged me TWO early termination fee 's and continued my monthly charges amounting to a bill of {$800.00}. I have argued via phone and spoken with a local XXXX dealer to no avail. It is a bill i strongly believe I do not owe and have not paid. It is on my credit report and effecting my credit. I do not believe this is fair at all.
|
| 07/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC ( ERS ).
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof from there company.
I submitted complaint to CFPB ( Case number : XXXX ) to which ERS responded they would delete the {$2100.00} amount, andthat they could not find a account in my name for {$42.00}, but to supply a reference number or credit report and they will delete from my report.
Called on XXXX XXXX, 2015 with husband with information concerning the {$42.00} account by their company, and ERS was able to locate the account. I was given a very difficult time to get ERS to delete this account ( as they stated they would to myself and the CFPB ).
We sought multiple solutions, and with ERS attempting to continue to illegally collect on the supposed {$2100.00}, and now the {$42.00} ; both that was to have been deleted, gave me no choice but to reinstate my complaint.
|
| 02/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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I had XXXX DSL modems through XXXX XXXX ( now XXXX ) at a house I was renting. When we moved I canceled both accounts with 1 phone call. They canceled one of them and then billed the other account the next day. I called them and explained this and they said it was valid and sent it to collections. I have to explain this to debt collector after debt collector. Once I explain it they just sell the debt and the process starts over. This amounts to simple harassment. I explained it to XXXX and they removed the debt but I have to go do that at the other XXXX credit reporting agencies. I have to write and mail a certified letter to ERC and after doing this multiple times I would pay more than the balance. The original balance was only {$44.00} per modem and one they canceled so originally I was asked for that amount. Now they are claiming that the original amount was {$73.00} and that they are willing to " resolve '' my account for " less '' than the original amount. They clearly understand that if they harass me enough I will pay them just so they go away. They never have proof and when asked for it they just send it on down the road.
|
| 08/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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When I moved from a house to an apartment, I overlooked a bill from the house, and XXXX called me. I moved into my apartment in XXXX, yet paid the bill in XXXX of 2013, in two payments of {$180.00} to XXXX. All of a sudden, within the last year, I am getting hit on my credit for whatever this {$320.00} amount is from Enhanced Recovery XXXX, who say they are collecting from XXXX. I am still with XXXX, and have been for over 15 years. I have called XXXX and they said I do n't what this debt is from ERC, and told me I do n't owe them anything, nor have they reported anything to ERC. So, someone sold Enhanced Recovery XXXX a lie, or they are bogously reporting this to get $ $ $ from me. I have told them over and over through many, letters that I DO NOT OWE THIS AMOUNT!!! They have NOT provided the proper information proving that I owe this debt, because I guess they do n't think the rules apply to them, but they keep sending me canned letters, and have once again, brought my credit score down again, reporting it as a new debt. I would pay it, if I owed it, but I do not. Seriously rediculous and frustrating, and these people are crooked.
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
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I decided to switch over to XXXX to get a better monthly plan and also was able to get a brand new XXXX XXXX but when I was there they just treating me as a quick sale didn't tell me anything about the phone 's especially about the back of the XXXX How It's Made of pretty much glass and we'll always shatter so they never told me that I should get a case immediately so I ended up cracking it the first day in two hours and it overheat and I told him, at XXXX in XXXX XXXX. all these problems I told her and they said they're bringing my phone, they had my old phone and then they have me for 2 hours there can I love doing a factory reset and took out all my pictures contacts videos over the last 12 years of my family friends people that are no longer with me pretty much told me oh well so after the service ran out I was all set with them and I'm still am and I'm looking to counter Sue because I have no way of getting those pictures back and I would like to know what I need to do for steps to actually Sue or counter-sue and I would also like to see this dropped immediately it's just seems like no one 's caring about what happened to me
|
| 06/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I reviewed my credit report and noticed that XXXX XXXX was reporting a negative trade line on my credit report ... Open collection without a balance nor who are they collecting for..account number # XXXX. On XX/XX/XXXX I mailed them a certified debt validation letter. On XX/XX/XXXX I sent them via certified mail a failure to validate letter. They received the first letter on XX/XX/XXXX... as of right now they have not responded to both of my letters. I also disputed this account with the XXXX XXXX twice and they CLAIM that the account was verified and it will remain on my credit report. I do not understand how is that so because XXXX XXXX has not responded to my claim. On XX/XX/XXXX I contacted XXXX XXXX and I spoke with XXXX and she advised me that they received my debt validation request on XX/XX/18 and they have submitted the dispute to the original creditor. As of today I have not received any correspondence from XXXX XXXX nor the original creditor. XXXX XXXX has violated the Fair Debt Collection Practices Act and Defamation of Character. XXXX XXXX claim is frivolous as they are unable to verify this debt within time frame.
|
| 06/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I got cable TV and internet services From XXXX about a year ago. We verbally agreed on the monthly bills which included the severvices and the rental of modem. They told me that the bill will never change. I set up automatic payments from my account. I hardly even looked at the bills, In XX/XX/XXXX, the bill was raised from {$77.00} to {$93.00} with no notification or reasons given. I did not complain then a few weeks ago I got a mail from XXXX dated XXXX XXXX 2015, they wrote that they have not been billing me for modem rental and so my bill will go up by {$10.00} plus applicable fees and taxes. Few days later I got a mail from Enhanced Recovery Company , LLC dated XXXX XXXX 2015, claiming that my balance with XXXX remains umpaid and my account has been place with them to recover the sum of {$970.00}. Nothing was written as to what that amount was for. I have received no bill from XXXX for anything in this amount. all my bills were autopaid untill I deactivated my autopay on XXXX XXXX 2015 because I intend to stop the service and get internet from another provider. I called XXXX and told them about my intentions on the same day.
|
| 03/30/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have had a tXXXX credit card and paid my bill using a debit card. I set up auto pay for future payments. I did not realize until I called, after receiving a letter in the mail, that my bills were not being paid. When I called XXXX XXXX XXXX they said auto pay was not set up and they were sending EMAILS only to notify me. I DID NOT receive the emails or I would have known and paid. I have worked very hard and have great credit.
I then received a letter from ERC a debt collector. When I received this in the mail, I called and began to sort this all out. I paid off the bill in full immediately. However, this is also affecting my credit score negatively. When I looked up my credit score it was lowered by XXXX points and also showed that XXXX reduced my credit limit from {$1500.00} to {$300.00}!
I have never not paid a bill I owe and I was not receiving the emails they claimed to be sending, and I believe this is unfair.
I have paid the entire bill off including late fee but do not think it is fair. I would like somehow to have my credit adjusted through the XXXX main credit reporting agencies ( XXXX, XXXXXXXX XXXX XXXXXXXX ).
|
| 06/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX notified me of an alleged debt with XXXX XXXX XXXX. If did not recognize a debt therefore, I sent the debt collector a letter, and asked for verification of the debt.. XXXX made no additional communication addressing the problem. On XX/XX/2021, I received notification from the XXXX app that my credit report had been updated with Enhanced Recovery Collections. I conducted research on the company and obtained their contact information. I was informed that ERC has been in possession of the file since XX/XX/2021. There was no correspondence regarding this purported debt. I was presented with wrong contact information on file with Enhanced which is why they were unable to contact me. According to what I was told, the search revealed that those were the most established locations and phone numbers. I never resided at the address, and the phone numbers were at least 15 years old. How valid is this debt, if the creditor did not have my address? What happened with XXXX? ERC, did not have the correct information. This tactic impacted my credit report and score. The 30 days have passed. Am I able to send verification of debt letter?
|
| 09/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Enhanced Recovery Company LLC d/b/a ERC is trying to collect on a debt that was fully paid on XX/XX/XXXX.
In XXXX I had an account wth XXXX XXXX ; The account was closed and paid in full on XX/XX/XXXX. I returned the modem and cables to the XXXX store located on XXXX XXXX XXXX XXXX, FL. the account rep accepted the equipment and said everything was closed and paid in full.
On XX/XX/XXXX I learned that Enhanced Recovery Company LLC d/b/a ERC placed a collection for {$100.00} in my credit report. In the credit report states the original creditor is charter communications. When I called charter customer service they said XXXX was sold to charter communications and that some of the data transfers from old clients may not have transfered correctly and she said the office on on XXXX XXXX XXXX XXXX, fl had closed down and she she could not help me.
After attempting to get this corrected with ERC and XXXX XXXX, they are not responding so I am filing this complaint to demand that all collection activities stop immediately and all collection accounts removed from my credit report since the account was paid in full in XX/XX/XXXX.
|
| 01/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Creditor : XXXX XXXX Account closed and XXXX loaned signal boosters returned to them on THEIR prepaid XXXX shipping labels. Several calls to XXXX with the " XXXX Proof of Delivery '' acknowledged.
A month later, started receiving letters from a collection agency. I replied to letter requesting that they send me proof that they are the " creditor in due course. '' I did provide them with the " XXXX Proof of Delivery '' info. As of XX/XX/2017, no reply.
Called XXXX again, provided the return " XXXX Proof of Delivery. '' I was told my case would be turned over to their Executive Response Team and I would hear back from them in a few days.
What I got back was a letter masked to look like a collection agency attempting to collect a debt but is really from, I believe, XXXX Executive Response Team.
I would like from XXXX XXXX : 1. A letter admitting their error.
2. No further contact from any outside collection agencies or XXXX XXXX internal collection department " attempting to collect a debt! '' 3. In the event this appears on my credit report they ( XXXX XXXX ) will immediately remove it.
Thank you for your assistance.
|
| 11/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
. I have submitted over XXXX letters to your ENHANCED RECOVERY CO L providing the appropriate documentation of this fraudulent account. ENHANCED RECOVERY CO L keeps on adding this account for {$280.00} and a second on for {$870.00} my credit report with different dates and time.
Also, no information on regards to this supposed account has been provided by your company by mail as previously requested. If it is true that I owe this amount to your collection department you should have documentation supporting your claim. By law I am entitle to recived all evidence being requested in this letter.
ENHANCED RECOVERY CO L XXXX Collection opened XX/XX/2019 Account type Collection amount {$280.00} ENHANCED RECOVERY CO L sold XXXX of the collections for {$870.00} to XXXX XXXX XXXX. This XXXX companies every month remove this collection because they have no records as to why am I being charged does amounts and after XXXX week of removing they enter the information again. I have sent more than 3 letters to each with no resolution. this people are destroying my credit intentionally and with malice as they are aware of the situation.
|
| 05/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I do not owe this debt to XXXX XXXX, it was due to a justified cancellation by me. I was receiving insufficient reception for 6 months and had service people out every time, they insisted I would not receive good service due to the amount of trees on my property. I had informed them that I would cancel if they could not fix the problem, I could not continue with XXXX % reception, I always paid my monthly service. They are on the XXXX collection agency trying to collect this invalid debt, I had sent a certified letter to all three agencies explaining the situation, the XXXX XXXX dropped the collection immediately so XXXX gave it to the XXXX agency, Enhanced Recovery, they have my phone number, my e-mail and my postal address but have not contacted me one time, I have called and left messages but no response. They put this on my credit report with no verification, I disputed it and no response. This has been a nightmare, XXXX XXXX and XXXX XXXX had the good sense to remove the collection from my credit files because they realize it was bogus, it appears ERC is arrogant and will not respond to any of my efforts to reach them.
|
| 01/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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.
|
| 02/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX stated and made a negative derogatory claim on my credit report of {$560.00} owed to XXXX XXXX XXXX phone company. I have paid my balance that I owed XXXX XXXX XXXX on XX/XX/XXXX and confirmed it with XXXX XXXX XXXX, they also sent me an email confirming I owe nothing on that account. I have talk to enhanced recovery back in XX/XX/XXXX and was suppose to have all this situated and resolved. As of XX/XX/XXXX when me and my wife talked to enhanced recovery collections they said that we still owe the {$560.00} according to their records and that we only called one time in XX/XX/XXXX. This is false and will release all my phone logs to prove differently. When we spoke to XXXX XXXX XXXX in XX/XX/XXXX they sent out to the XXXX XXXX that our debt was paid in full and XXXX XXXX seems to ignore this. You can not talk to them because all they do is repeate the sentence over and over regardless of the validity of information you have. This issue has killed my credit score, and prevented me to make it better over the past year. Something needs done I can not keep having this stress in my life when I do not owe Anything.
|
| 01/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Enhanced Recovery I am responding to your notice that you placed in my consumer re-port under collections about a debt you are trying to collect.
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
Best Regards, XXXX XXXX XXXX
|
| 11/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I DID NOT RECEIVE Notice from ENHANCED RECOVERY COMPAN ( i.e. the Debt Collection Agency ) of my Statutory Right to dispute this so-called XXXX XXXX XXXX XXXX debt of {$1.00}, XXXX.
Had I RECEIVED Notice, I would have informed ENHANCED RECOVERY COMPAN, that it was attempting to collect a Debt that I NEVER OWED in the first place because I HAD CLOSED the XXXX XXXX XXXX Wireless phone service account due to malfunctioning in XXXX XXXX XXXX provision of service to me.
Further, I would have informed ENHANCED RECOVERY COMPAN that the Consumer Financial Protection Bureau had vindicated me by ORDERING the REMOVAL from my CREDIT REPORT of the same XXXX XXXX XXXX XXXX debt of {$1200.00} in TWO SEPARATELY FILED CFPB Complaints that I had filed in XXXX & XXXX against two Debt Collection Agencies who had acquired this same so-called XXXX XXXX XXXX XXXX debt of {$1200.00} that ENHANCED RECOVERY COMPAN is now ILLEGALLY attempting to collect. Although I can not readily recall the Reference Numbers of my TWO previously filed CFPB Complaints, these my previously VINDICATED Complaints in XXXX and XXXX are a MATTER OF PUBLIC RECORD.
|
| 10/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company Enhanced Recovery is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Enhanced Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Enhanced Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Enhanced Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 01/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
It was reported on my credit that i owed XXXX XXXX XXXX XXXX dollars. it was reported on XX/XX/2018. The company XXXX XXXX has taken over the debt. i have since called the company between the dates of XX/XX/XXXX-XX/XX/XXXX can't remember exact date, but i called and asked if i paid off the debt will it be deleted off my credit report. i was told yes but i would have to pay in full. so i did pay in full and the money pulled out of my bank account on XX/XX/XXXX. i was then told by my credit fixing company that it shows paid but the company is still keeping it on my account. i called on XX/XX/XXXX and asked the enhanced company why is it not deleted off my account i was told they don't delete but they do show its paid in full and kept on the account. i then explained to them that's not what was originally told to me and in fact it was stated that my account would be cleared. i then told them due to this my credit score will remain in a negative light and i wasn't sure why if my account is cleared of the debt why can't it be deleted. again i was told they don't delete items off the accounts, they just say it was paid off.
|
| 07/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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ERC ( Enhanced Recovery Company ), is in possession of a XXXX XXXX loan, according to XXXX records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, XXXX XXXX reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use one. He placed a number of orders with an XXXX, orders running into the XXXX. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.
|
| 07/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX, I advised XXXX XXXX XXXX of a fraudulent order on my account. An individual walked into a store in XXXX and purchased an XXXX under my account. I had numerous calls with XXXX XXXX XXXX and numerous online chats advising them of this fraudulent charge, and I also went to the store in XXXX where the purchase took place to get a confirmation of the order and the video. Unfortunately, the manager could not locate and provide the receipt or the video after XXXX days. After 5 or 6 months, I was told by XXXX XXXX XXXX that the charge was coming off. Three years later, in XXXX, It showed up on my credit through a collection agency. I immediately reached out to the collection agency they told me that XXXX XXXX XXXX confirmed the charge and moved it to collections. I asked them to remove the deliquent mark and needed this to be corrected. I volunteered to pay off this debt, which I did to remove it from my credit report, and I would pursue it with XXXX XXXX XXXX again. I have requested this to be removed numerous times, but they have been unwilling to do so. This is preventing me from closing a loan on our home
|
| 01/09/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
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|
I was paying on a collections that was on my credit report from an old bill from XXXX. ENHANCRCVRCO had took over the debt once it went into collections. Well I had set up a payment plan with them and I was to make my final payment on XXXX XXXX, 2015 which I was told that by rep XXXX when I had first called into set up a payment schedule. Well before that day came I had called again because I had checked my credit report again and seen it said I owed the company XXXX dollars instead of the XXXX I was suppose to make as my last payment. So, I went ahead and called them to see why it said I owed XXXX dollars as my last payment instead of the XXXX that was originally stated. I was told by a rep who refused to repeat his name or give me his rep number that I owed it and I had to pay it and that was that. I went ahead and paid it because I 'm working on building my credit back up and did n't wan na it ruined by the XXXX dollars he claimed I owed due to bad payment history. My point of this is I was ripped off by this company I know for fact that I only owed XXXX and they jacked the payment up to get extra money out of me.
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a collection notice from ERC dated XXXX / XXXX / 17 in the amount of {$610.00}. I placed a call to ERC XXXX / XXXX / 17 to make payment arrangements on the account. After I had discussed the payment arrangements, I then checked my credit report. The credit report verified that a Collection account from ERC was placed XXXX /2017. The letter that I received from ERC dated XXXX / XXXX / 17 was 30 days after the collection account was placed on my credit report, ERC did not notify me prior to placing a negative item on my credit report and did not allow the time to satisfy the account prior to reporting the collection account. ERC should allow 30 days notice to consumers before reporting negative items on credit reports. With the negative impact this account has had on my credit report, it will prevent Homeownership due to lower credit scores, it will also prevent employment opportunities that would allow for advancement to my career. This has a tremendous negative impact to many aspects of my life. I should have been give the opportunity to resolve the account with ERC prior to the negative reporting.
|
| 02/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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|
I called into this company in response to a collection notice I receive via email. I spoke with an agent named XXXX XXXX. He was rude from the get go of the phone call. This particular debt was taken on by another collection agency previously and I received a letter that they have dismissed the debt after I disputed it. Now all of a sudden ERC is trying to collect on it. When I explained this to XXXX XXXX, he was rude in his response to tell me that it was my fault because I did not do what I was " supposed to do '' in regards to the debt. He outlined all these steps that I " should have '' done. I asked him how would I have known that if nobody has previously told me to follow those steps and if the previous company dismissed it. He continues on, rudely, ( paraphrasing ) " and here we are again, that's why you're here because you didn't follow what you were supposed to do. '' He was condescending with me throughout the entire call. I did not appreciate his tone, attitude, nor the way he handled the situation. The website he gave me to file a report is a non working website. I am not sure of the legitimacy of this.
|
| 02/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XX/XX/2023 Cfpb Complaint department To ENHANCED RECOVERY COMPANY Amount {$230.00} Dear ENHANCED RECOVERY COMPANY agency manager, I am writing this letter to bring to your notice the following information added to my credit report. The amount {$230.00} along with the name 11 XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I request you to XXXX XXXX case number is XXXX XX/XX/2023 Cfpb Complaint department To ENHANCED RECOVERY COMPANY Amount {$230.00} Dear ENHANCED RECOVERY COMPANY agency manager, I am writing this letter to bring to your notice the following information added to my credit report. The amount {$230.00} along with the name 11 XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I request you to clear my credit report as soon as possible to help me continue business. Please look into this matter and do the needful as soon as possible. Regards, XXXX XXXX
|
| 05/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It ha
s been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are i n VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with XXXX XXXX, Enhanced Recovery XXXX XXXX XXXX and XXXX. They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first and second dispute was submitted. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted.
The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing.
Thank you for your time.
|
| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX opened a fraudulent account in my name. The person I spoke with in the fraud department said it could have been the person who lived here before me and they're placing the account under my name as a result. In order to have this account removed from my credit report, XXXX is asking me to send them proof of residence which I don't have. They're telling me that they possibly mistakenly put this account in my name and the burden is on me to produce a document I don't have access to in order to have this fraud removed from my name. XXXX sounds like a reckless company with unfair collections policies. Neither they nor the collections agency they've placed my account with have access to my account information because the account is too old. They can't even give me a complete address. The collections agency only has the city, state, and zip code. The collections company has no proof that I owe this debt and neither does XXXX XXXX. They're expecting me to jump through hoops to prove that I don't owe this debt but they can't even provide something as simple as an address where the service was supposedly installed.
|
| 08/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Hi my name XXXX XXXX XXXX this company reported an acct. from XXXX that I owe {$330.00} which I do n't owe at all. I did have an acct. in XXXX and they have ask me to return the equipment 's which I did and paid off all balance when I close my accnt with them. Then I saw this on my credit report the only accnt. showing on collections which I tried to take care of my credit I never had any other accnt on collections on top of that this company never heard and they never tried to contact me I never receive any mail or calls regarding this acct. I have contacted XXXX regarding this matter and they have told me that my acct. is paid off and no outstanding balance they said that there must be some misunderstanding on my acct. which I do n't appreciate they have contacted the above agency and told them to cleared this but im still seeing this on my credit report. If you look at my credit history I do n't even have much of credit cards due to being afraid of stuff like this could happen. Im trying to build up my credit and pay my accnts on time. I do n't deserved to be harassed and get my credit ruined because of this.
|
| 08/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC, they are being completely unfair and I dont know how to get ahold on them but through this portal.
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.
I am giving ENHANCED RECOVERY COMPANY , LLC, the opportunity to solve this matter amicably and avoid time and money spent in a legal process. I am contacting you regarding my ENHANCED RECOVERY COMPANY , LLC, account : Account Information : Account # : XXXX Date Opened : XX/XX/2020 Account Type : Collection Balance : {$0.00} The account has been re-aged, I was excessively called and harassed despite telling the collectors not to call my phone thought an auto dialer. I told them this was not a valid debt and they not only failed to mark account as disputed, they kept on insisting that I MUST pay and there is no other option. I was told if I paid the item would be removed from my credit report, which didnt happen+ Remedy : deletion account from all credit bureaus.
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I filed a complaint with CFPB on XX/XX/XXXX I have recieved 2 letters from Collections companies who were unable to send me written verificaion stating the account belongs to me. Ive called XXXX and tried tp upload documents so these accounts can be removed but they have put a time frame on it so if you dont upload it in the small time they give you it kicks you out the system. Once i knew that i finally got it thru. I ve also called XXXX and the representative told me they had no way of uploading the documents and i would have to send out another certified letter which all these letters are costing me. I asked the representative i know they dont open all the letters and that was the reason for my call to get it handled over the phone so my letter wouldnt just be sitting there. He was unable to help me. Im uploading the letters from Enhanced Recovery and XXXX. XXXX, there did not send me any of the documentation i asked to prove these accounts belonged to me. XXXX sent me a letter that i dont even have an account with. Also enhanced recovery sent me a letter asking that i send them my personal information!
|
| 11/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted Enhance Recovery Center by mail on XX/XX/XXXX it was picked up on XX/XX/XXXX to validate a debt. They did not provide legitimate proof. XX/XX/XXXX I called and asked a customer service agent how my debt was verified she did not have any information correct on this account that is supposedly mine. I was immediately referred to a supervisor even though I did not ask for one. Once I spoke with said supervisor, she did not provide adequate information either how they proved the debt was mine verified and validated and repeatedly threatened to report it negatively on my credit report if I did not pay. Now, according to the Fair Credit Reporting Act " 807. False or misleading representations '' ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed " If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. ''
|
| 01/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX XXXX I changed my Cell phone services from XXXX XXXX XXXX to XXXX. As a result there was service and discontinue contract charges totaling over XXXX. I paid some then got contacted by a collection agency of XXXX XXXX XXXX in XXXX. I settled the debt with them for like XXXX. They assured me that they marked the debt is paid off by an agreed settlement. Early XXXX I got a call the same collection agency requesting to pay some {$550.00} for a debt to XXXX XXXX XXXX. they explained its for the cell service. I explained and they looked up their notes and confirmed that I settled and not to worry about this ever again since they will take care of this balance. Here we go in XXXX I get the same collection letter, from a different collection agency this time. And they told me that they have no notes about this account being settled and I have to pay {$550.00} now. ERC collection XXXX. Ref # XXXX. They did n't care of what I have to say. I need XXXX XXXX XXXX to stop assigning this account to different collection agency. I am XXXX and they continued to harass me for the last 3 years. When is it going to stop.
|
| 12/02/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
After over a year of my XXXX account being closed and being told by the store manager my account had a XXXX balance, XXXX without any prior communication placed a collection of my credit report for {$670.00}. I contacted them starting XX/XX/XXXX and spoke to numerous personnel including managers and was told my equipment had not been returned. I informed them that it 100 % was, and why would I need an old phone with no value. We later confirmed with the store manager on a conference call that they located the phone by an ID and it was in a warehouse. They then changed the story to state that now the collection was from fees and early cancellation, which it was not cancelled early. I had contacted the local XXXX ( XXXX ) store to verify when I was allowed to cancel without penalty and I therefore waited to do so until that date. XXXX sent the collection to XXXX XXXX where I disputed the amount and it was deleted. 3 months later in XX/XX/XXXX XXXX placed it again with a new company ERC. I contacted ERC and provided documentation of the previous deletion on XX/XX/XXXX, and ERC will not remove the account now.
|
| 05/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a verification and validation letter of debt to both ERC and XXXX , letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another one of their stall tactics. The Collection account from " ENHANCED RECOVERY CORP '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since 2010. So m y question is, how is a collection agency that is not licensed allowed to collect a debt. Enhanced Recovery corp has violated my rights as a consumer, along with XXXX
|
| 04/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In approximately XXXX I accrued a debt issued from XXXX. I had received information at around XXXX through a third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX ). I had settled with them XXXX XXXX account XXXX XXXX XXXX XXXX on XXXX, where it was established that this account was removed from my credit reports with the three majors. The original debt was not removed. It was then sent to ERC XXXX XXXX XXXX XXXX, FL XXXX and once again paid in full on XXXX with confirmation on XXXX. It still remained on my credit reports, this time through ERC. Then of XXXX XXXX I had seen a reduction in my credit score once again associated with ERC and XXXX. I once again settled and resolved. No removal was issued, no refund because the account was already settled with XXXX XXXX Services, and still this account is reflecting negatively on my report. Account reference numbers for ERC are XXXX. The account was paid the third time with ERC on XXXX XXXX. Once again, this still stands on all three major credit reports of mine through XXXX and ERC, after already being resolved yet never removed through XXXX XXXX XXXX.
|
| 04/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted or I contacted ( not sure which because it was a while back ) but I saw where XXXX was trying to make me pay a bill for a XXXX service that I NEVER signed for or in any way authorized. I never never authorized this. I demanded a signed copy or proof that I authorized this because I knew that this was someone who was probably living or renting my ex wife 's house at the time. I didn't even live there at the time. I told them that and demanded proof. How did they get my name and social to open this account and start billing me for it? I never received any proof and they told me it was being investigated and they would remove it. I thought it was taken care of because it was removed off of my credit. All of the sudden it is back on my credit under a collection agency by the name of Enhanced Recovery. I sent them a notice that I DID NOT do this and XXXX was supposed to be taking care of this. Evidently, instead of investigating it where they would find that I DID NOT open this account, they sold the debt to a collection agency. This has impacted me and my family in a very sad way recently.
|
| 07/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Back in XXXX, 2015 I pulled my credit report and I notice XXXX debts on there from Enhanced Recovery Co. XXXX for {$99.00} and XXXX for {$130.00} I know for a fact that I did not owe these debts so I wrote a letter of dispute and asked for validation of the debts. After doing some research online I offered to settle the debts just to have them remove from my credit even though I know I do not owe them. I wanted to improve my credit as I am trying to purchase a house within the next two years so I figured I could get rid of them since they are minimal for my piece of mind. I verified Enhanced Recovery Co. address and I sent the XXXX letter of dispute asking for validation of the debts on XXXX XXXX, 2015. I waited 30 days for a reply but I did not get one. I sent a XXXX letter on XXXX XXXX, 2015 and as of today, XXXX XXXX, 2015 I have received no reply which shows me that these have no proof of these debts and are ruining my credit for no reason. Since these so called bad debts can not be proven I can only assume that these debts are not valid especially since I have never had service with those companies.
|
| 03/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern, I am XXXX XXXX I have recently checked my credit report and I am seeing activity that I do not recognize or authorize. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining credit, money, property, labor, or services on credit ''. Notice Congress said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Pursuant 28 1746 Unsworn Declaration under Penalty of Perjury Signed : XXXX XXXX, XXXX XXXX, Beneficiary without recourse UCC 1-308
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Enhanced Recovery and requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello My name is XXXX XXXX XXXX XXXX .I having a lot of issues with my credit report because I do have a XXXX brother who does not have a social security number and all his account are been mixed with my credit report. I already called the companies involved and the 3 credit bureaus to explain this and provide proper identification of both of us to them but the problem continues and new accounts for my brother keep showing on my report. I has been over 3 years with this issue. I need help, please.
IDs, social security for my self have been send to all the buraus as well for my brother his IRS letter ( ITIN # ) and his driver license was enclosed for there review and we still having issues, this situation have become a big stressful issue since this has prevent me to obtain a mortgage because of this items not my showing on my report over and over again after disputes has been summited multiple times.
This also affected me with my car insurance & IRS as well Also I have contacted XXXX company and all documentation re-send it to all parties involve and still not resolve as yet need this to be over.
|
| 09/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This is the 4th or 5th time XXXX XXXX XXXX Has hired a collection company for a debt I do not even owe.
this account is over 5 years old. I am sick and tired of proving I do not owe this debt.This will be the 3rd time I have reported this so called debt to the Federal Trade/CFPB.
This new collecting debt company named ERC keeps calling and calling my phone about this debt i do not owe, I received a letter in the mail today from ERC Collections.
stating they want me to settle this debt. for the amount of {$140.00} and giving me options on how to pay this so called debt.
My account with XXXX XXXX XXXX was closed years ago after they tried to charge me for long distance that I did not use. They could not prove the charge, and I paid my bill with XXXX XXXX XXXX and I terminated their service landline. This is an ongoing problem from a company that is trying to muscle money from me that i do not owe.
This letter from ERC is dated XXXX XXXX, 2017. and it say that XXXX XXXX XXXX is the original creditor ... ..And if this debt has been placed on any of my credit reports I will fight to have them removed
|
| 07/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Older American |
|
XXXX : I am XXXX and have been with a prepaid phone for 4 years now. I was on a month to month plan when I was offered a replacement phone due to multiple problems with my service. The replacement phone was returned within the trial period however a new contract was created and never cancelled as promised when the new handset was returned. I was informed the billing would run a couple cycles before it reset and canceled. However in 2 cycles I was informed that the contract had been violatedcancellation period ) and I was now responsible to buy my way out of it. A contract is made to pay off/down a handsets value but the handset was returned and the contract was n't cancelled as promised.To avoid the hassle of a contract I opted for a prepaid service right away ( XXXX using XXXX Phone number and XXXX using XXXX XXXX in XX/XX/XXXX ) This account still shows up on my credit.I have contacted the vendor and also the collection company who refuse to see that I am not responsible for this debt. I currently have a free state phone and continue to prepay for s service intermittently ( 4years on XX/XX/XXXX )
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
|
| 10/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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A collections agency named XXXX XXXX XXXX has been harassing me. They have all of my information which is very upsetting and say they need to collect a debt owed to XXXX. The amount is {$100.00}. I closed out my XXXX phone account 2 years ago and paid everything in full. In XX/XX/XXXXthis collections for {$100.00} showed up on my credit. I went into the XXXX store and XXXX said they can not find anything about this and that it is even hard to find info on my account as it has been closed out 2 years ago. They said DO NOT talk to the collections agency and they don't know what this is about.
XXXX XXXX XXXX is fraudulent and will not stop calling my cell phone and harassing me at my place of work. I have already filed a dispute with the credit agency in regards to this fraudulent claim. I want this collection removed from my credit. I would also like this company investigated for fraud and harassment. They have been reported to the XXXX 1603 times for claims of harassment and bothering people in addition to multiple other complaints online.
Thank you in advance for your help with this matter.
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| 06/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Amount : $ XXXXThis letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt.
This is the XXXX time that this company had listed a debt in my name and I believe they are playing a fraud game and I wish bring a suit against this corporation. I have previously disputed their entries, yt every 6-7 months, they re-appear attempting to collect money that is not rightfully theirs ; a debt that is not mine.
Something must be done about this company. The internet is full of stories of this company sending out debt letters to people where the money does not belong to them or their identities have been stolen.
I need to know how to I file a harassment claim against these unscrupulous collection agents!
Am I going to be going through this for the rest of my life with this company?
SOMETHING MUST BE DONE ABOUT THEM!
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| 07/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was checking my consumer report and I see Enhanced recovery company on my report. I do not know who this 3rd party debt collector is. It is illegal to purchase debt from a person who isn't the original creditor and its identity theft and a privacy act of 1974 issue. per 18 usc 1028a identity theft is a major crime, No person from this company has sent me anything concerning this alleged debt. per 15 USC 1692 B I was never communicated with concerning this alleged debt from this company and I have never given anyone persmission to communicate with me especially to a 3rd party or any party. I will not be paying any money to anyone concerning this alleged debt and if they want their money take it up with the united states of america because per 18 USC 8 all obligation concerning debt belongs to the united states of america. My identity was stolen and per 15 USC 1681-C I have filled out my identity theft packet and I will not be giving anyone any of my information so do not ask me to do so due to the privacy act of 1974. I opt out of this company reporting to my consumer report per 17 cfr 248.125.
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| 11/07/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX and I am a XXXX XXXX XXXX XXXX and my credit is my life. beginning of XXXX a collection arised for XXXX but being reported on my credit as Enhanced Recovery Co L. I immediately called XXXX and they stated it was because of a box that wasn't returned. I went to XXXX and returned the box to XXXX on XX/XX/2023 at XXXX XXXX. I also will attached the receipt. I then called and notified them that this was turned in along with the receipt information. They assured me this would be removed from my credit within 15 days. It was not removed 15 days later and I called back again. Then I was told this would be handled immediately and they were truly sorry for what this was doing to my credit as I needed a business loan that the bank wouldn't now give me. well today is XX/XX/2023 and the item is still reporting to all three credit bureaus. This is 60 days later and nothing still has been done or removed. My credit is the only that I have to back me and my business and I have lost out on over {$40000.00} worth of loans and credit opportunity because of this issue that they wont rectify
|
| 03/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
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Upon applying for a home loan, a credit inquiry was pulled from the credit bureaus. A debt amount of {$390.00} was reported by Enhanced Recovery Company as non-payment on a XXXX phone account. I disputed the debit as not belonging to me.
I received a letter on XXXX XXXX, 2016 from ERC stating that they were going to have the debt removed from all bureaus. It was then removed from the credit reports on XXXX XXXX, 2016. It appeared to be resolved.
The loan company then required that we all participate in a call where XXXX, myself, and ERC are all connected and ERC verbally confirms to XXXX that the debt has been resolved.
On that call, ERC says that the debt is still owed and that they sent no such letter etc. This has caused the loan company to hold off on the loan until there is resolution.
This is not my debt which ERC has acknowledged in writing. They are falsely trying to collect the {$390.00} knowing and acknowledging in writing that this is not my debt. Essentially, they believe that I am in between a rock and a hard place and can be forced to pay the debt or risk losing the house.
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
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| 01/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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To whom it may concern : Hello i checked my XXXX XXXX account Sat XX/XX/XXXX at XXXX and found out this debt was on my credit report in collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX number XXXX in the amount of {$200.00} date opened XX/XX/XXXX. Also it said original creditor XXXX XXXX XXXX and not once do i know of this account they never one time called or sent me a bill or letter explaining i owe a bill or if you do n't pay it will be on your credit report neither company. This is a problem for me .They just put it on my credit report without prior notice about anything. And this is what i would like to happen, is for it to be removed from all 3 credit bureaus and an apology letter from both companies saying this will be removed from my credit report and both companies to pay for my credit score being lowered because of their mistake in the amount of {$5000.00} each. They should not get away with affecting my credit score and they never once sent me a bill or letter i do n't know who or what this account is at all. I have no knowledge of this account. Thanks for your time.
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| 05/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
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On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to XXXX. This account was documented in the Identity Theft report that was provided to XXXX on XXXX XXXX, XXXX. The account in question was for a collection company called XXXX XXXX XXXX for an XXXX account. On XXXX XXXX, XXXX XXXX removed this account.
On XXXX XXXX, XXXX, XXXX added a collection account from a collection company called Enhanced Recovery Company. Enhanced Recovery Company is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police report.
Enhanced Recovery Company has never sent me any notification of the debt for me to verify or dispute. I learned the collection through a credit monitoring service. I googled their contact information and called them on XXXX XXXX, XXXX. They claimed to have mailed a collection letter to an address that I have not lived at since XXXX. Enhanced Recovery Company also claims to have called me on several occasions but said Enhanced Recovery Company never left a message.
|
| 04/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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On XX/XX/2021, I received a notification from XXXX regarding a collection on my credit report. After reviewing the report I saw that a collection agency name Enhanced Recovery CO L placed a fraud account on my credit file. I have notified XXXX XXXX XXXX from 2 years ago that this account does not belong to me. I have submitted several fraud documents and sent back to XXXX XXXX XXXX regarding this account. I call ENHANCED RECOVERY CO L and spoke with a gentle man who said his name was XXXX XXXX ID number XXXX. I explain to him that this account was a fraud account and they need to removed it from my credit file. XXXX XXXX stated that they will not removed it nor with they validate the account. Federal law gives you the right to request a debt collector provide proof that you owe a debt. 2 It's the best way to ensure that you're not paying a debt you don't owe or a debt that the collector isn't authorized to collect on. ENHANCED RECOVERY CO L employee XXXX XXXX does not seems to feel that way. I am requesting ENHANCED RECOVERY CO L to immediately removed the fraud account from my credit file.
|
| 08/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Enhanced Recovery Company ( ERC ) is reporting I closed an account with them on my credit reports. The account in question is an old XXXX XXXX XXXX account from 2013. This account and all related debt was settled and paid with XXXX XXXX XXXX directly and was NOT paid to ERC. I have never heard from ERC nor have I spoken with them about this matter. They have not validated this account after my requests they do so and have no right to report that this account was paid to them since it was paid to XXXX XXXX XXXX. I wrote ERC regarding this matter and disputed this information in my credit files. ERC, responded without proof or written validation that the account was accurate. This can not be since, and I repeat, I have never had any interactions with this company. ERC 's refusal to validate their claims and their previous responses to my inquiries over this matter have put them in direct violation of the Fair Credit Reporting Act ( FCRA ), which is a position ERC has been in many times in the past. The internet is full of documentation that ERC systematically engages in this sort of behavior.
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Due to the pandemic communications companies allow people to open accounts online and if your info, i.e., name, DOB, social, etc., are in a data breach, anyone can open accounts with these companies. The companies take them without running further checks, as an example, Ive had my XXXX XXXX XXXX cell phone number for over 20 years, and yet, they failed to call me to verify my identity for this new, fraudulent account with XXXX XXXX XXXX XXXX When you complain to these companies that you have been a victim of identity theft, they want you to fill out about affidavits, police reports, etc., of documents to prove your claimthe irony. Perhaps they should do the same to prove who you are BEFORE they open an account to just anyone. There should be some type of two-factor authentication. You are not notified of the fraud until the suspect fails to pay their bills. In my case, XXXX XXXX XXXX XXXX XXXX fraudulent account under my name sometime in 2022 and again, without calling my XXXX XXXX XXXX phone number to verify and waited until the account became delinquent to finally contact me. How absurd!
|
| 04/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Due to error with XXXX XXXX XXXX bill my account was closed on the behalf of XXXX XXXX XXXX and set off the collections agency. XXXX XXXX is whom they sent the bill to for {XXXX} AFTER CORRECTIONS WAS MADE MONTHS LATER ON XXXX XXXX XXXX. In XX/XX/XXXX I set up arrangements to settle the account for 50 % they offered to settle the account for {XXXX}. I agreed and set the settlement up on installments. XXXX XXXX, XXXX is when the settlement was paid off in full and closed. XXXX notified XXXX & XXXX XXXX XXXX that my account was closed and settled. I received another phone call from the a different collections agency known Enhanced Recovery XXXX regarding an outstanding balance that is still reflecting on my XXXX XXXX XXXX account that is suppose to be closed and settled. I spoke with XXXX XXXX XXXX through last week starting XX/XX/XXXX, and XXXX spoken with numerous of reps at XXXX XXXX XXXX collections department I also conference XXXX on the call regarding to my account that I had with them from XXXX XXXX XXXX. I Settled the account with XXXX. XXXX XXXX XXXX refuse to closed the account.
|
| 01/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This collections first appeared on my account in XX/XX/XXXX in the amount of {$460.00} for XXXX XXXX. I contacted the collection agency directly to obtain information regarding this account. The collections agency suggested that I speak directly to XXXX XXXX.
XXXX XXXX provided me with forms to complete to dispute the account. I completed these forms and returned them to XXXX. After numerous letters mailed to the credit bureau, all three collections removed the collections from my report.
A few months later I received a letter from XXXX stating that the account would be removed from collections.
In XX/XX/XXXX the account showed up on my credit report again for XXXX XXXX in the amount of {$460.00}. Because XXXX had confirmed with me in XX/XX/XXXX via letter that this account was indeed fraud and they would report to the credit bureaus. I disputed the account with the credit bureaus.
Again this account was removed from my credit report.
Here we are in XX/XX/XXXX and the same fraudulent account is reported to my credit report again for XXXX XXXX in the amount of {$460.00} this time.
|
| 03/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
I am not sure where to begin. I received a notice from the debt collector, ERC, concerning a debt to XXXX XXXX. This service was stopped when we moved to Arizona in XX/XX/XXXX/XX/XX/XXXX. I do remember some correspondence from XXXX XXXX stating that we owed something, I wrote back stating I did not, and do not remember after that. All of the documentation I had, was discarded about a year ago. I thought the problem was resolved.
Now, I get this first letter on XX/XX/XXXX from ERC that I owe them because of the XXXX XXXX dispute. I disputed that and just received another letter from ERC, dated XX/XX/XXXX. I have NOT received any specific information concerning this XXXX XXXX debt, what it is and why they think I owe it.
What are my rights and what can I expect from ERC concerning this issue? The amount they are talking about is very little, but I don't want to be ripped off for even a dollar?
Attached are the two letters received from ERC. One is dated XX/XX/XXXX, which was received XX/XX/XXXX & the other dated XX/XX/XXXX and received XX/XX/XXXX. I appreciate your feedback and help.
|
| 01/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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I received a new telephone number when I bought a house last spring. Obviously, the persons before I got this number owe everywhere. I received LOTS of calls for them and most companies have quit calling. However, ERC keeps calling and leaving automated messages regarding a debt. I have spoken with them NUMEROUS times to remove my number. Even being polite with them, I have been ignored and hung up on in mid-sentence. I do n't know what else to do. This is absolutely not my debt and I have no idea who the people are they are trying to reach. Again, the company is called ERC. Their number is XXXX, and the reference number they left is XXXX. My phone number that they keep calling is a landline XXXX. I work out of my home and I use this line for business, fax, etc. Please help me stop these calls because I do n't know what else to do! It has taken valuable time out of my work day every time I have to answer, call back, delete messages, call them back and so on and so on. This has been going on since XXXX 2015. Just got called again this morning.
Thanks and have a great day.
XXXX XXXX XXXX
|
| 07/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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I opened an account with XXXX a few years ago. I then closed my account within the 14 day grace period and was informed I would not be charged. Many months later I decided to start working on my credit and noticed that I had debt in collections from XXXX collection agencies for XXXX. After finding it impossible to remove it through calling customer service on every end and no one seaming to have an answer, I just paid the debt and moved on. Now over a year later, I am once again being charged for the same " debt ''. As I have already paid over {$500.00} for a debt that was incorrectly charged to me, I decided to once again fight the charges. I have now been sent in phone call circles by all parties involved and am continuously hung up on, told they do not have records showing said information, and am told to call this company or go into the store or call the agency where I am then sent right back to the person who told me otherwise. Debt collectors involved are XXXX ( new debt account ) and Enhanced Resource Centers ( which is identified under abbreviation ENHANCEDRE and ENHANCRCVRCO ).
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company.
XXXX XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute.
Account Name ERC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX.
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} XXXX XXXX.
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX
|
| 10/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was alerted through a credit monitoring agency that a new collection was placed on my credit report. I immediately looked to see what it was because I have not made any changes to my credit and found the collection agency name is ERC and original creditor is XXXX XXXX. It claims the open date is XX/XX/2018. The status is open and the last reported date is showing XX/XX/2018. The amount of the balance shows to be {$700.00} and it is placed for collections. I have not opened any account with this creditor and do not use this company and never will. I don't know if the company has made a mistake or if my identity was stolen but I can assure you I did not open this account and I want it removed immediately. It's amazing to me that in a 4 month time span without ever sending me a notice in the mail, a creditor can just place an account on my credit report for a collection I don't owe. It should be a criminal offense and come with a large fine and jail time for the CEO. I'm sure XXXX XXXX XXXX make enough money that they need to stop attempting to steal from a working middle class family.
|
| 07/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company sent my account into collections. I contacted thr collections company and paid the balance in full for the amount owed. I never moved or changed services. I never obtained any other accounts with this company. A couple weeks later I received a Bill for {$30.00}. I called XXXX to inquire about the bill. They told me that lt was for a return check charge. I let them know that when I paid them the money owed it was with a card and not a check and it cleared. They told me they see a note that credited the {$30.00} back to my account. They told me My account was closed and I do n't owe any other balance. Today I received a call, stating I owed the entire balance again of XXXX. A different creditor. I again called XXXX to inquire, they stated they dont know what got mixed up but I no longer owe anything for this account. Debt collectors stated they just received the account Today, and that they ca n't delete it until I pay. XXXX says I do n't owe the debt, yet they are n't helping me to resolve the debt in collections nor are they able to verify the debt or pull up the account.
|
| 11/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
My name is XXXX and today I received a telephone call from ERC regarding a debt that they stated I owed from XXXX XXXX. ERC said that this debt was owed from 2013 in the amount of XXXX. The representative, XXXX XXXX, was very mean and angry and I am a XXXX year old man with medical problems. I have never received a letter from this company regarding this debt and the representative demanded my credit card or a check by phone. I gave my daughter, XXXX XXXX, permission to speak with them because I felt threatened and did n't understand what was going on. She requested a supervisor and the supervisor was XXXX XXXX ID # XXXX. The supervisor admitted that they had not mailed a copy of this debt to me. My daughter advised that the telephone number that they contacted me on ( XXXX ) was on the national DNC list and was owned by her and should never have been called. The supervisor apologized for breaking the law and said that he would never contact me again. I am very stressed and displeased with the way I was treated my ERC. I am XXXX years old and this is no way to treat a senior citizen.
|
| 01/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX is trying to collect a debt that belongs to XXXX XXXX XXXX which I signed as a company officer and XXXX when out of business, I call XXXX and was told that they wrote it off as a lost and they are no longer trying collect but can not supply me anything in writting because the debt is to old and they can not open it on their computer.
When I CALL XXXX I was told that they don't have that account anymore and was supply with a attorney phone number XXXX account number XXXX. I ask XXXX to removed it my fro my credit report since they don't have the account anymore and was told to call the attorney supply above.
When I call the attorneys office all they had was last four of my social and amount owned they where waiting for XXXX for more info from, Now that raised my eye brow.
Now I have a different collection agency calling about the same XXXX account.
ERC is the collection agency I pick up the phone and call XXXX XXXX they don't know anything about the attorney or the agency ERC.
After three hours on the phone all I did was waste my time and can not get a stray answer.
|
| 11/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
in 2016, i went to XXXX XXXX and open a XXXX account. Right after i got home, my wife told me to return it since she already open a second line for me under her plan. I returned the same day to XXXX XXXX and returned my phone plus cancel contract. I was told by XXXX XXXX, I had 7 days to change my mind and return the phone which i did. Now, comes to find out, several years later, i got a collection notice and account reported in all credit bureaus that i owed XXXX {$890.00}. They sold a fraudulent account to a collection company. I went back to XXXX XXXX and dispute with them. They said that they have cancelled my contract and that my account should have never existed with XXXX. I did not even have my phone or account with XXXX for even 24 hrs. XXXX XXXX reassured me they will take care of it. I have disputed that this is not a valid debt to the collection company but still got denied. My english is limited and I feel XXXX took advantage of it and never cancelled my account which i took back within the same day. Please help me as I have been denied credits and humiliation from this.
|
| 04/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I have a friend in Iowa, I met on XXXX. We 've been friends for over XXXX years, I 've been currently dealing with my mother in the hospital and was shocked to receive a message from her stating that she had been receiving a call from " XXXX '' so she finally answered it. The caller said his name was XXXX XXXX and he was looking for me. That I had a debt to take care of and he proceeded to give her his number and reference number and asked to pass on this message.
From what I gather, this act is completely illegal. We 're not related, I have never put her number down on anything in regards to being my number or personal reference. So I do not understand as to why they were able to call someone that way.
I called the company this morning and XXXX did n't have much to say about in regarding this matter or why she just said that I put this number down as my point of contact.
I 've had one number, one. and I 've had my XXXX account opened longer than I 've known my friend. so I assume they were trolling the people I 've sent money too which I 'm assuming is also an illegal tactic.
|
| 10/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The company XXXX has sent a bill I do not owe to XXXX different collection agencies. XXXX, and ERC. The first attempt at sending it to collections I requested validity of the debt and was told XXXX had to look into the balance and if I did not receive anything then it would be resolved. I did not receive anything and then a year later got a letter from ERC collections also from XXXX for the same date of service but the bill was {$20.00} more than it was before. I disputed the bill with this agency and they said I did everything I could do with them and that to get the bill adjusted I would need to contact XXXX. After calling XXXX they claim they can not find the account and then gave me a number to call that was a disconnected number. So at this point the bill has been with XXXX collection agencies, shows XXXX different amounts for the same service, the current collection agency says they can not do anything unless XXXX adjusts the bill which they claim they cant find and that if I cant get them to fix it then it will be sent to a different collection agency for me to dispute again.
|
| 11/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection claim from ERC on XXXX XXXX regarding an alleged unpaid amount for XXXX XXXX XXXX. I contacted ERC and was told that it was regarding service from XXXX XXXX, 2015 - XXXX XXXX, 2015 at a former address. They also confirmed my social security number. I did have XXXX XXXX XXXX service around that timeframe but it was cancelled and the equipment was returned, a forwarding address was provided to XXXX XXXX XXXX and no claim was ever filed in the two years since. I contacted XXXX XXXX XXXX to verify that there was no money outstanding on the account that evening and they confirmed this.
ERC asked me to file a dispute, which I did. I have also placed a 90 fraud alert at the credit agencies, in the event that this is someone who has accessed my social security number and former address in order to open fraudulent accounts or make a collection of funds.
The ERC representative tried to get me to pay a settlement on debt that is not mine and I am concerned that my information will be used inappropriately, as I have no idea how they received it in the first place.
|
| 12/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
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First, the debt is over 6 years old. XXXX keeps selling it to different debt collects. I already informed one to stop calling me because I was unemployed and could not do anything at the moment. They continue to call me 4+ times a day. They have hung up on me when I ask for names and they now called me at XXXX PM on XXXX When I asked them why they were calling me after XXXX, they hung up. They called also today on XXXX at XXXX XXXX. I have asked them to stop calling me and they have called for the following days and times : XXXX XXXX AM XXXX XXXX PM XXXX XXXX XXXX pm, XXXX XXXX XXXX pm XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX am XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX om XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX at XXXX PM
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| 10/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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In the matter of : XXXX XXXX XXXX Chapter XXXX Bankruptcy Case No. XXXX Discharge Date : XXXX XXXX, 2014 After reviewing my credit report I have found information, which needs corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014.
The account ERC is illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, IL XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. I am requesting that the item be deleted to correct the information. Thank you for your assistance with this matter.
Here is the contact information for my bankruptcy lawyer XXXX
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Arizona XXXX XXXX : XXXX Fax : XXXX
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| 02/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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To whom it may concern, I 'm being improperly sent to a collections department by XXXX in regards to a case that dates back to 2012. I have sent numerous E-mails and placed numerous phone calls to XXXX with no response or resolution with my concerns. The issue at hand is that they are attempting to charge me over {$800.00} for a phone that was under warranty and sent back to them. As I refused to pay their felonious charges they sent me to collections. I successuflly had the first XXXX or XXXX collection companies removed from my credit as I contested their collections and stated my case to the various credit agencies. Low and behold the account has been sent to another collections company. I never received anything in writing from the new collections company and only found out when I applied for a refinance on my mortgage. The collection agency is Enhanced Recovery Company and has numerous complaints against them for similar tactics. A simple google search of their company and XXXX will find that there are numerous other people who have experienced the same issues that I have.
|
| 08/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Hello, my name is XXXX XXXX, I am submitting a complaint with ERC Account # : XXXX ref # XXXX ( XXXX XXXX is Original creditor reporting on my credit report ). I called them to discuss a collection on my credit report and I had agreed over the phone to settle the account with the condition of them to REMOVE it from my credit report. Recently, I received a letter ( I have included ) and when I checked my credit report and score it still shows on my credit report. It not only shows on my credit report, but my credit SCORE has dropped almost XXXX points as a result of PAYING this account. I am very upset of this tactic of collection and them saying over one thing over the phone and doing something different once they received my payment. I believe this is unethical collections practices. This has caused extensive damage to my credit profile, I was qualifying to buy a home ( which is the reason I chose to pay this alleged debt ) and now this has greatly impacted my ability to do so, by drastically affecting my credit score. My score dropped from XXXX to XXXX. This is unacceptable.
|
| 01/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, I have been receiving weekly calls from a debt collection agency ( ERC ) regarding a debt owed by my ex-wife. I do not know what the debt is, or how much, yet they somehow have my phone number on file and continually call me asking for her. I have spoken with agents at the company multiple times, yet this keeps occurring. I also block the phone number used to contact me, yet they are still able to get through using a different number. This seems like pretty shady tactics to me. The most recent call took place at XXXX Thursday, XX/XX/20. The phone number used was ( XXXX ) XXXX. I will list other numbers they have used recently below : ( XXXX ) XXXX ( XXXX ) XXXX Please help to resolve this issue - I in no way am responsible for this yet I keep getting harassed. And on a personal note, Im glad someone brings up my divorce on a weekly basis I so I can relive all of that again - not only is this bad business practice but frankly it is disrespectful and insulting that this business is choosing not to respect me and my time or personal life experiences.
Thank You, XXXX XXXX
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| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In the year of 2013, I contracted XXXX as my cell phone provider with XXXX phone lines.
As time went out I realized that XXXX had not a good cellphone coverage where I live, I contacted customer support and was given the run around, they told me that I could cancel. Never told me that I had to pay for the cancellation of the lines.
Next thing you know, I started getting harassing calls from Debt Collector trying to collect {$1500.00} for cancellation. The caller gave me a settlement for $ XXXX put me on a payment plan that everytime I would get paid the money would be taken out in which I agreed.
after paying the {$1000.00} I noticed that they continued to take out an extra {$200.00}. I called and asked them why, and they said that since I did n't pay the account in one month the settlement would have been cancelled- they failed at telling me this.
Now I have a balance of {$350.00} and sent me to collections which has affected my credit- they lied to me so for a {$1500.00} I paid {$1200.00} which was {$200.00} over our agreement and now I 'm in collections! Please help me.
|
| 06/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Incorrect and unauthorized changes on XXXX account. Spoke to multiple different people on different occasions to follow up on status, theyd all say that the account was sent to escalation department to audit and investigate and someone will contact you to discuss. Never heard anything from anyone, this happened repeatedly.
There was a lot of miscommunication due to language barriers and non-stop transferring of calls along with disconnects aka dropped calls. Account was closed to eliminate future discrepancies. I would greatly appreciate this account be investigated and audited as there is numerous inaccuracies and unexplainable charges, even XXXX management could not figure it out. I was continuously being told that the account was sent to escalations to investigate. I requested an itemized statement of account and explanation of charges. As of today I have not received any information provided by XXXX, no outstanding balanced provided, no itemized state or explanation received. XXXX needs to be investigated upon, there is way too much unexplained charges and discrepancies.
|
| 01/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
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Web |
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Looking to fix my credit to purchase property, I requested a validation of the account via mail 3 times. The only answer we received was a bill, with no break down or validation at all.
No breakdown of fees or any other explanation. This account was unattractive for years, know the calls are extremely over the limit calling all day about every hour, and letters on the mail 2-3 every week. I have called the agency to request and offer a settlement.
They refuse to offer anything and know, I am getting calls with treated to take legal action.
This company fail 3 times to Validate the account credit agencies disclose that agency have show them prove and validate the account, but I do not get anything in paper. just the bill.
In addition, now other company ERC collection agency is sending me a bill and calling and every time I ask to disclose the name or employee ID for my records. They refuse to gave name and they star with treated to take legal action.
Note : If XXXX sold the account? I never give XXXX authorization to release my personal information like my home number.
|
| 07/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I am currently attempting to purchase a home. Upon review of my credit report my loan officer contacted me informing me of a charge from XXXX that had been sent to a collection agency ( enhanced recovery ). To the best of my knowledge I have never had a contract with XXXX. I stopped by a local XXXX store to see if i could get more information on the account. The manager of the store assisted me by entering my social and drivers license numbers. He informed me that there was an account that had been sent to collections with my social but the names did not match up, the name that he was showing was XXXX XXXX. Afterwards I contacted the collection agency ( enhanced recovery ). I told the representative the situation and he was asking was there anyone with the information needed to take out an account in my name. I responded yes and he said that he would start a fraud investigation. My loan officer contacted me on XXXX/XXXX/2015 and informed me that enhanced recovery had determined the account listed under my name was mine because the name and social on the account matched mine.
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Older American |
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About the last week in XX/XX/XXXX I received on phone call from ENHANCED RECOVERY COMPANY about {$200.00} dept for XXXX CABLE for an address in XXXX, Ga ( I live in XXXX, GA ) I didn't recognize account or the charge. I stated I only have a business account with XXXX and it's on autopay. They told me it must have been a mistake or wrong person and not worry about. That was it, one call and nothing else. Just to be sure, I went to the local XXXX office and they told there was an account in my name but they refuse to give the physical address and I should contact XXXX XXXX for Fraud and Identity Theft XXXX XXXX XXXX As they required I sent them all the info they need about me to this email : XXXX on three different dates ( XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) and no response at all.
XX/XX/XXXX I got notice from XXXX XXXX about my credit report with XXXX : a new account in collections was added to your report. and effected my credit score. I've disputed the charges with XXXX and nothing happen. Not sure what to do now.
My name is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
|
| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I, XXXX XXXX, consumer, am submitting this communication to inform ENHANCED RECOVERY COMPANY XXXX. XXXXXXXX XXXX {$160.00} that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt.
In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.
I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above.
If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
|
| 08/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION TO ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire SOME FORM OF ACCOUNT I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Pursant to 18 USC 8, I owe no debt, This company ( ENHANCED RECOVERY COMPANY ALSO KNOWN AS XXXX but showing up on my consumer report as XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy an confidentiality THIS SHOULD BE REMOVED IT ALREADY STATES THAT IT MEETS THE FCRA REQUIREMENTS TO BE DELTED THIS ACCOUNT IS FRAUDULENT
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| 06/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
|
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ENHANCED RECOVERY COMPANY # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
|
| 08/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This company has been on my credit report some time stating I owe a debt to them. I have never received mail in correspondance to this debt. I have contacted the company on multiple occasions through the number provided online ( XXXX, FL based company ) with little resolve to the situation. I have been hung up on, transferred repeatedly to sit on hold for long periods of time with ultimately no resolve to the situation, I have been told they can not proceed without a claim number ( which was never administered ), I have been told this company can not find debt under my name and information YET IT IS ON MY CREDIT REPORT! I am fed up with the lack of effort they have provided in addressing this " debt '' I supposedly owe. Each time I call I am transferred to an employee with a completely different excuse than the last. If I am such a stranger on their files why is my credit report being bogged down with this bogus charge! Since I have actively tried for a period of time to resolve this I am bringing the issue to your attention in hopes of some breakthrough in clarification.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I sent the Credit Bureaus letters asking them to verify debts on my report. they replied that everything has been verified : however, my credit report continue to show inaccuracies.
ENHANCED RECOVERY COMPANY XX/XX/XXXX, Amount : {$760.00}, Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Amount : {$950.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1400.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2000.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2100.00}, Account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Amount : {$1000.00}, Account : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1700.00}, Account : XXXX
|
| 07/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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My wife called ERC Monday on XXXX.17 in order to get information about a a debt reporting on my credit report. She explained that the equipment was stolen and asked for contact person and phone number directly to XXXX XXXX XXXX, so that we could call them and resolve this matter. She spoke with XXXX XXXX, he refused to give her any information to contact the creditor. He just kept trying to get us to settle. What she tried to explain to him was we should n't be paying for equipment that was stolen, she did n't think it would be such an issue to get information so that we could figure out what exactly is going on with this account. Being that equipment was stolen, I do not understand how ERC is trying to collect on stolen equipment. XXXX stated that we could pay settlement or that he would open a dispute with XXXX. However, I have no paper trail or confirmation that this is actually happening which cause grave concerns for me. She asked him how long would the dispute take with XXXX, his response was I am not sure. They can take as long as they need to respond to dispute.
|
| 09/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
When I was in high school and living at home I had a XXXX account with my brother. I eventually moved out of the house, and called XXXX to be removed from the account. At the time, I thought I was covered for good. Just a couple of months ago, XXXX shows up on my credit report as a collections entry. I called XXXX to ask them what the problem was, as I should n't have been on any accounts for the last nine or so years. The first time I talked to them, the representative basically said they were able to fix the mistake, and that the entry would be taken off my credit report in about a month. After it had not been removed after around 40 days had passed, I called XXXX again. This time the representative said there was no notes about a previous call, and that I still owed the balance due. I reiterated that the balance should not be attached to my name at all. He lowered the amount due, but would not remove the report from my name. I should not owe any money to XXXX, but they are XXXX up my credit report with an old bill that should never have been mine to begin with.
|
| 08/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Enhanced Recovery Group has reported a collection action to all XXXX credit reporting companies on behalf of XXXX for {$770.00} as of XXXX XXXX. I know nothing about the account, services provided, I did authorize or guaranty any account with XXXX. I have never received a bill, statement or demand for payment, description of time and place of services, etc. I have been turned down for a home equity loan by XXXX which is how this came to my attention. The only other negative filing on my report is XXXX 30 day late payment on a revolving account. I have repeatedly requested that all XXXX reporting companies to remove the erroneous and fraudulent filing from my reports. The only response I have received is to note that I dispute the collection action and that it will remain on my reports until XXXX XXXX. My primary remaining remedy, other that filing a lawsuit, would be to file documentation supporting my position. What documentation might that be? In other words what documentation could I be in possession of in connection with an account that I have no knowledge of?
|
| 06/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
My son cell phone account with XXXX was under my name. 4 years ago my son left the country for a long trip. I called XXXX and asked them to freeze the account. the person who took care of this matter specifically said that when my son comes back we can call to reinstate the account, 3 months later, after this call I started to get bills from XXXX. since we also moved to another address I got those letters much later, I called XXXX and questioned those bills, they told me that after 3 months the freeze is removed, I explained that this is not what we where told, I decided to close the account. I paid {$200.00} for an early termination and was sure they will remove the charges that was done for no reason, for no use of the line, but they did n't. they send it to a collection company that keeps changing names after I dispute their charges.
I 'm not willing to pay for someone 's else mistake, and for a service I did n't enjoy.
The latest company name of the collection company is ENHANCED RECOVERY CO LLC. I would like to resolve this issue once and for all!!! Thanks
|
| 05/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Upon reviewing my credit reports in XXXX of 2014. I noticed that Enhanced Recovery Corporation had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the first I have ever heard of this debt. On XXXX XXXX, 2014 I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. I never received anything.I then requested it again on XXXX/XXXX/2014 and still no proof of debt provided. I disputed directly with credit bureaus and they came back as verified. I sent another request to Enhanced Recovery Corporation again on XXXX XXXX, 2014. They have failed several times to provide me anything under FDCPA. However they continue to report inaccurate information on my credit reports to this day. I am demanding they comply with FDCPA and remove this from credit reports. They have had now 7 months to comply and have ignored not only my requests, but the FDCPA.
|
| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 03/31/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My complaint is in regards to a debt that is being " double reported '' on my credit file by Enhanced Recovery, account # # XXXX in the amount of {$1200.00} and also by XXXX XXXX, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX.
I have requested " validation '' of this debt from Enhanced Recovery which I do not owe because I have never signed any contract with this company. What they continue to do is send me a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this same account. Therefore, Enhanced Recovery have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days.
Any assistance that your organization can provide would be highly appreciated.
Regards, XXXX XXXX
|
| 03/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter stating I owe {$600.00} to XXXX from a collection agency I called XXXX and when spoke to a phone associate and mention I did n't use XXXX and never use there cable or requested there service he mention a name that I do n't know the person when ask to verify if the information they had on file was correct and I let him know that my SS # is mine but not the name they had on file so was transferred to fraud department I told him the same information but now he would n't give me the name and city were the account was open that I had to submit my ID and a police report so I went to my local police department they said I have to file were they used my information that I could n't file a report local so again I called XXXX now they said I needed a supina before they could release information but I ca n't place a police report cause I do n't know were they used my SS # and XXXX wo n't give me that information so I called XXXX to place a fraud alert on my name and I also file on FTC.GOV/THEFT wed site so now I do n't know what else to do please help.
|
| 06/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
So I have been trying to clean my credit to get a house. So my issue came from Enhanced recovery company. XXXX asked several times if they owned account and they kept saying no, it was placed with them on XX/XX/XXXX or XXXX, not sure what year they said. I examined what I was trying to do, settle and pay off for less. They lady I spoke with didn't have answers and got supervisor. I explained to him what I was trying to do and the settlement offer didn't work with what funds I had. I then asked him several times if they owned the account. They said no. Then guy was just rude and I examined that there were issues with the actual bill. He said I couldn't do another dispute because I had just done one. I explained I didn't even know process. I pushed a couple buttons on XXXX XXXX and it Saud it was disputed. He then told me XXXX couldn't contact original creditor because they weren't in charge of account. I found out they were the owner of account and I could dispute and explain my issue with higher source in collection agency, but wasn't given that opportunity.
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of= a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. lt l has been 30 days and you are in VIOLATION of this law because lam a victim of identity theft! l Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish = a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of th consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 04/16/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My husband died in XXXX. He never owned a mobile phone nor did he ever have an account with XXXX. I have moved since my husband 's death, hold title to my residence in my name alone and have a private telephone number in my name. I recently received a telephone call asking to speak to my deceased husband. I informed the caller of his death. The caller asked for a copy of his death certificate. I asked the caller who they were and what business they worked with. They replied, " ERC. '' Since I had never heard of this company I stated that I would not send a copy of his death certificate and discontinued the conversation. I then received a letter from ERC, dated XX/XX/XXXX, that stated that my husband owed XXXX {$1100.00} but that the account could be settled for {$780.00}. To my knowledge no Judgment has ever been entered against my dead husband. I am not aware of any attempt by XXXX to inform my deceased husband that he owed money on an account with them. The letter went on to state that objection to its content had to be submitted by the end of the month.
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| 03/15/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I contacted ERC XX/XX/XXXX for debt verification after inaccurate information appeared on my XXXX credit report. I informed them that I lived in XXXX and that I was unaware of the debt nor had I received written communication regarding the debt. I informed ERC that I was willing to pay the debt if the item was deleted from my credit report to which they refused several times. I spoke with 3 different supervisors XX/XX/XXXX and XX/XX/XXXX all of which refused to remove the inaccurate information from my credit report.
I contacted the original creditor XXXX XXXX XXXX to inquire about the debt. I was informed of the balance owed and date of first delinquency. The information reported on my XXXX report from ERC is time barred since the date of first delinquency with the original creditor is XX/XX/XXXX. ERC is reporting a date of first delinquency of XX/XX/XXXX and a removal date of XX/XX/XXXX which is inaccurate. Furthermore I never received written communication from XXXX XXXX XXXX nor ERC that a debt was owed and thus was unable to rectify nor dispute it.
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| 04/25/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX had a collection for atnt in the amount of XXXX that I paid in full, XXXX deleted the collection per our agreement. XXXX then transferred the collection to a new company ERC as if it had not been paid. I never received a letter or phone call from ERC before they put a fully paid collection on my credit report. I called XXXX several times no answer, I called XXXX serval times no solution. I do not have a record of a payment I made over a year ago. In addition my bank recently switched ownership and Acquiring the bank statements is going to take a while if I can find them at all. I have asked atnt to recall the collection they refer me back to the collection agency. ERC says the notes from the previous collection agency states I did not pay the debt because I filled for bankruptcy, I have never filed for bankruptcy. If I shad that would absolved me of having to pay the debt. Nobody is making sense or providing a solution. Please help me remove this paid collection. Im trying to buy a house and I lost XXXX points for a collection I already paid.
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| 02/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I disputed this debt with Enhanced Recovery Company with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Enhanced Recovery Company received the certified letter on XX/XX/ and has yet to respond to my request.
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
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| 09/13/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XX/XX/2022, I received a letter from ERC stating that I owe XXXX XXXX XXXX {$170.00}. I called on XXXXXXXX XXXX @ approx. XXXX and spoke with XXXX XXXX ( name given to me ) and clearly stated that I have never has XXXX XXXX XXXX. I informed her that I have never lived at the address in question and that wasn't my the SSN. Additionally, she stated that I would NOT get anymore notices.
Well today, XXXX XX/XX/2022, I received another notice stating that I owe {$200.00}. I called and spoke with XXXX XXXX ( I think he said XXXX ) @ XXXX and he gave the same address and last four of the SSN, which I have never lived at the address in question and the SSN was incorrect, not belonging to me.
How can I stop ERC from sending me this info? I have proven on two occasions that the bill does not belong to me. As I mentioned to both representatives, I have a common name and i assume that someone in the company looked in the phone bill and found a that name under XXXX, Ga, which there are about three of us with the same names but different SSN.
Thanks, XXXX
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| 04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is EXTREMLY Old, and incorrect information. The orignal company I BELEIVE was XXXX XXXX. Which when I left that company it was in XXXX I beleive. Why on earth they are reporting this in XXXX is beyond me. I do not acknowledge owing them this debt as my bill was paid in full when I moved and all equipment was returned in perfect condition to them at the time I cancelled the service. So I can not imagine what it is even for. I have contacted the company by phone and been given the run around and never gotton any resolution at all. I have written letters and never gotton any responce. It is past time for this to be removed from my credit if they can not even be bothered to respond to inquiries about it and I think the limit for it to be on my credit at all is up at any rate.
ENHANCED RECOVERY COMPAN Reported :XX/XX/XXXX OpenedXX/XX/XXXX ( 1 yr, 3 mos ) ( this was most DEFINATELY NOT opened in XXXX ) Account status Open Type Collection Account Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info
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| 04/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Matter of fact there is no debt at all. After researching blogs online I came across, this company is a scam. My credit report is showing collection requested by XXXX. I called the XXXX and they very well confirmed that I 've no dues at all since I closed an account.
My question to Bureau is, despite XXXX of similar complaints, how come this company is in existence. How to dispute and remove such disaster that has no roots ( base of claiming collection ).
This is the company I am talking about.
XXXX
Why do they exist? Are they legit? And only combination ( pattern ) is with cable company only. That even is XXXX.
This needs to stop. It took years to sharpen credit number and all of a sudden this disaster damaged number like anything.
I never received any reminder or follow up letters as per law that tells that I owe any amount to XXXX. XXXX I paid it on time. This collection has came after a year and a half I discharged services from XXXX.
Please do needful and please reply to my email, how can I remove this from my credit report.
Thanks
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| 10/11/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This XXXX Account : XXXX. Enhance Recovery CO L # XXXX has violated my rights According to FCRA.
Be advise this is a Notice sent pursuant to the Fair Credit Collection Practices Act ( FRCA ) [ 15 USC 1692g ] stating stating your claim is disputed and validation is requested.
This is not a request for " verification '' or proof of my mailing address, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you.
At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws.
1. DEFAMATION OF CHARACTER ( per se ) 2.Negligent ENABLEMENT OF IDENTITY.
3. Fair Debt Collections Practices Act 15 USC 1692g VIOLATIONS 4. Fair Credit Reporting Act 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 USC 1681n ]
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| 12/29/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal.
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.
This company has been reporting wrong information.
My demand is TO GET THE 2 ITEMS REMOVED FROM ALL 3 CREDIT BUREAUS, and is based on many damages and several violations that they have committed : 1. Excessive phone calls.
3. Falsification of account info and charges, 4. Violations of XXXX.
5. Violations misrepresentation of facts, 6. Missing date of last activity.
Accounts : Account number 1 : Account Name : ENHANCED RECOVERY CO L.
Account # XXXX, Date Opened : XX/XX/XXXX.
Account number 2 : Account Name : ENHANCED RECOVERY CO L.
Account # XXXX Date Opened : XX/XX/XXXX I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP.
Please sed the attached documentation to this company.
Thank you.
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| 04/07/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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On XXXX XX/XX/XXXX, I sent a certified XXXX letter to Enhanced Recovery Company notifying them that I was not aware that their company was placing an account on my credit report. The company never followed up with a letter or verification after I sent that letter, the account continued to remain on my credit report. After that letter was sent the company continues to use tactics that are against the Fair Credit Reporting Act continues to age the account when not authorized to do so, with the most recent update in XX/XX/XXXX, I have had no contact with the company outside of the letter that was sent in XXXX. This company can not place an account on my credit report without notifying me by mail so I have the opportunity to dispute the debt and can not age a account to make it more current in order to keep on a consumer credit report. There needs to be an investigation that is done to see how many other consumers this company has done this to. I also contacted the originator of this debt and the company has not responded with a verification of the debt.
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| 03/13/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Closed XXXX account and dropped off equipment to the old XXXX store. Account was closed. XXXX later sent me a bill for non-returned equipment ( Old equipment prior to closing account ). I advised them when the contractor came out to set up a new wireless modem, that the service member stated he would return the old equipment for us and that we should not have to worry about anything.
I explained this to XXXX once I received a bill and they agreed.
A few months later I was placed on collections. I went into the store and called XXXX. both places stated they would resolve the issue and get it taken care of ( XXXX was the name of the manager I spoke to at the XXXX building ).
The account was closed and removed from my credit report ( On consumer credit ). I went to go refinance my home and see the account is closed but states I still owe XXXX dollars. I should not have to pay for something I did not do wrong with from the start. And shouldn't be spending time attempting to resolve an error on the organizations time which in tern hinders my credit.
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| 10/14/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Within the past month ERC has reported an XXXX XXXX XXXX bill to the bureaus, which has in turn been added as a collection account to my credit files.
I do not have an XXXX XXXX XXXX account nor do I have an account nor contract with ERC. When ERC sent notice of such alledged debt I requested debt validation. They could not provide appropriate debt validation showing how I owe them for said debt, nor by producing any contract bearing my signature binding me to said debt. A bill from XXXX XXXX XXXX with my name on it does not fit requirements outlined by laws and regulations established via the FCRA. The alledged debt does not belong to me.
This debt has previously been disputed and successfully removed from my report and reinserted by ERC who can not validate the debt as outlined by regulations of the FCRA.
ERC must immediately cease and desist all collection activities and request removal of the non validated debt from my credit file with each Bureau they has falsely reported it to in order to prevent litagation to the highest extent possible!
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| 06/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 01/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
Older American |
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I dealt with this company almost 19 years ago and now they are contacting me again. They use the name XXXX, but represent many different collection agencies. They try to collect debts of deceased relatives. A debt of my late husband 's ( deceased 2004 ) keeps getting sold over and over. The debt was from a car he ( not me ) owned at the time of his death. The car had to be sold at auction and the dealer/bank did not get the value they needed. My name, social security number, employment, NONE of my information was used to apply for the loan or purchase the car. The car loan was applied for ONLY by my deceased husband! At one point I had to hire a credit attorney to issue several cease and desist letters. ERC uses threatening language and tell you you have to sell your home and they are going to come and put a For Sale sign in your yard if you do not pay them. They ask what assets you might have that you could sell or borrow money from others or they will begin contacting your children, employer, etc., etc. They are PREDATORS!! PREDATORS!! PREDATORS!!
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| 09/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
Servicemember |
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A breach of a debt collector, for XXXX account, which never existed in the manner presented. It has affected me a great deal, by delaying mortgage loan process closing down on my first home loan on XXXX/XXXX/15.
I was devastated about the action by the third party I have never heard before. I had not received any statement of collections from them about this debt.
I had not receive any notice from this third party ( Enhanced Recovery Company ) prior, but they sent the debt to the credit agencies which it apparently stopped the home closing.
I sent a letter of protest on XXXX/XXXX/15 to ( Enhanced Recovery Company ) the third party agency collecting for XXXX.
XXXX This Saturday XXXX/XXXX/15 was the first time receiving a letter from ( ERC ) about this account collection via XXXX. I had sent them protest notice on XXXX/XXXX/15, but the debt had already reported to all credit agencies before notifying me. This is against consumer right & protectionI will like to pursue legal action against Enhanced Recovery Company and XXXX.
Sincerely, XXXX XXXX
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| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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My ex-girlfriend opened this account while we were together, without my permissions, using my social security number and date of birth. I was home at the time, and she had gone to the XXXX store she worked at. XXXX ( the company alleging I owe this debt ) had a sales rep at XXXX stores at the time, and this is how she signed up for XXXX service in my name, using my information, without my knowledge or permission.
I noticed the debt when our relationship ended and I moved out. I disputed it, and submitted as evidence the surveillance video of the XXXX store on the day and time this account was opened, showing that I was not present at the time.
I submitted a written notice of dispute to XXXX in XXXX 2014, and alerted the XXXX credit bureaus. After submitting evidence, it was settled and removed from my credit reports.
I 've just received a collection letter from Enhanced Recovery Company , LLC, alleging that I still owe this debt. This is unfair debt collection practice as this debt was determined to be the result of my identity being stolen.
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| 01/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
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ERC has reported the account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I sent numerous letters to each credit bureau requesting accounts be validated and verified by sending pertinent information to identify my information. ERC was removed from my credit report, now it has reappeared.
This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for financial assistance which was highly embarrassing and has negatively impacted my lifestyle.
CREDITOR AGENCY - XXXX XXXX XXXX A/K/A XXXX XXXX XXXX Please delete the above information as quickly as possible.
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| 02/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with XXXX on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.
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| 05/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Dear Sir or Madam, My complaint is about ERC creditor collection practices. On XX/XX/XXXX XXXX XXXX XXXX [ XXXX # XXXX ] was notified via. USPS postal service of BARRED/INVALID DEBT, the debt was then transferred to ERC after DENIAL letter I wrote to First Source Advantage. On XX/XX/XXXX ERC [ XXXX # XXXX ] was notified of the BARRED/INVALID DEBT via. USPS Certified Mail with Signature and they were also notified that CFPB would be contacted if they continued to contact me about a debt that was denied. On XX/XX/XXXX I received a second letter from ERC ( ERC dated the letter XX/XX/XXXX ) harassing me about the same debt. If ERC believes they want to take legal action against the Estate of XXXX XXXX XXXX aka. XXXX XXXX I have provided the Probate Case # XXXX to them. I do not want to be harassed regarding a BARRED/INVALID debt again. I will be providing all supporting documents in this matter to CFPB for the correspondence between myself, XXXX XXXX XXXX and ERC collection agencies. Thank you, Sincerely, XXXX XXXX XXXX ( Personal Representative )
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| 04/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
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In checking my credit report as I do every week, I noticed XXXX XXXX had listed a negative report from Enhanced Recovery Company. The creditor name is XXXX XXXX XXXX, account open XXXX, stated open 2 mos & reported XX/XX/XXXX for amt. {$100.00}. I have NOT opened an account with such named companies & I do NOT know who they are.
XXXX XXXX repeatedly makes messy errors on my credit report & refuses to correct it when I request it! How can you open an account XXXX XXXX XXXX XXXX show it is open for XXXX mos the beginning in XXXX? The way I pay my bills I would NOT allow anything to destroy my excellent credit! NOTHING reported on my credit report is correct! My credit score should be much higher. I have not applied nor had I opened any accounts this year. Please remove. XXXX XXXX needs to respect my request from a year ago & remove those inquiries. Some inquires are listed more than once. Enhanced need to stop calling me and remove that erroneous account from my credit report. A 34 point drop in my score is horrifying!!!! Thanks, XXXX XXXX XXXX
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| 08/17/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I am in collections from at XXXX XXXX XXXX bill in the amount of XXXX. XXXX XXXX XXXX sent me to collections with a company called ERC. In XX/XX/XXXX, ERC mailed me a settlement offer of {$970.00}, which I accepted by a letter. When I accepted, I told ERC I would be making weekly payments of {$25.00} till paid in full. As of todays date of XX/XX/XXXX, I have 13 cleared checks totaling {$320.00} to ERC. I have not missed a payment since we started our agreement on XX/XX/XXXX. On XX/XX/XXXX, I received a statement from ERC saying I owed a total of {$1100.00}. I wrote ERC back with my payment that week, reminding them of our settlement agreement. I told them that according to our agreement, I owed {$720.00} at that time. Ive continued to make my weekly payments. I now have received a letter from them on XX/XX/XXXX saying that I owe XXXX. This company should not be able to back out of a settlement agreement, especially since I told them I would make weekly payments back in XX/XX/XXXX when we reached this agreement, and I have not missed a payment.
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| 03/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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Somewhere XX/XX/XXXX or XX/XX/XXXX my cell phone was stolen and I immediately called the XXXX to inform them of a stolen cell phone. We agreed to keep the phone on to keep GPS signal alive to try to locate the thief while XXXX would monitor any strange calls. That was Saturday, but on Monday I log onto the account and saw that strange calls were made to XXXX, although I am XXXX and I never even been in XXXX or have anybody there. So I called XXXX once again on Monday only 40h after my first call to them and they told me that someone has been making a calls to XXXX in amount of over a {$12.00} XXXX ... ..I just could not believe that XXXX would let someone make in one day over a XXXX calls ... ..and then they tried to held me responsible. Anyway I did dispute the charges and I had peace till now ... after almost 5 years some debt collection agency from Florida ruined my credit score with the debt I never even made. I called them and they said to me over the phone that they will send a Marshall to arrest me in 24 hours if I don`t pay.
ABSURD!!!
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| 11/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
A collection agency, ERC, called me on XXXX XXXX, XXXX ( XXXX ) XXXX, and XXXX ( XXXX ). My husband and I have NO debt. On the XXXX they asked for a XXXX. I told them no such person lived here, to eliminate my phone #, and no never call again.
They obviously did not remove my # since they kept calling me. In hindsight I should have asked who they were collecting for. I also requested an email confirmation from them, but was refused.They called again for the next two days ( I did not answer the phone ). But when they phoned again on the XXXX and asked for XXXX, I was irate, and told them the same as above. I 'm VERY concerned that I might be a victim of identity theft and that my credit will be adversely affected.
The company is ERC ( Enhanced Recovery Co. ) and the number from which they called is XXXX. They have XXXX locations - XXXX in Florida and XXXX in Georgia. There are numerous complaints on the internet. In addition to XXXX, I am also notifying the Pennsylvania Attorney General 's office, ERC, XXXX XXXX, PA, and XXXX, XXXX, and XXXX.
|
| 08/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a negative annotation on my credit file/report at the credit bureaus from the collections agency listed as Enhanced Recovery Co, despite not owing this debt. I have contacted this company explaining to the person I spoke with that this debt is not mine, and it is a result of identity theft. I also told this person that I never opened an account with or did business with the company that I am supposed to owe. The drop off date for this debt on my credit file is listed as XX/XX/XXXX, which indicates that I either opened an account or had been delinquent for the account in question in XX/XX/XXXX. I have never had any service from XXXX XXXX, and despite my informing the mentioned Enhanced Recovery Co of all the above statements, with emphasis that this is an account opened fraudulently, I was totally ignored and was told to simply pay the amount of {$520.00}. Not only is company Enhanced Recovery Co disregarding my plea for attention to this matter, they are directly contributing to my being victimized, by asking me to pay this amount.
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Got multiple calls from this agency at inconvenient times. I told them I would call when it was convenient for me, they continued to call. I looked at my credit report to see who ERC was calling on behalf of. I finally called them back, they person in whom I was speaking to started off in a regular tone, after me asking multiple questions the customer service rep started to be rude. I asked the rep once I paid the amount owed would something be sent to me so that it could be taken off my credit report, I was assured that a letter would be sent to me once payment was received. The rep went on to take my payment and told me that I would have to pay a convenience fee in order to take my payment. I told the rep that I've never heard of such a fee and that i didn't feel that that was fair. After heavy sighs from the rep and talking in circles about what the fee was for, I reluctantly paid XXXX. My bill was XXXX and I had to pay a XXXX convenient fee. The whole conversation was draining and I was so confused and felt I had been taking advantage of.
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act 15 U.S.C1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, ENHANCED RECOVERY CO L has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Chapters
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| 07/09/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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So I working at a XXXX XXXX in XXXX and I had two gentleman come in and were talking about a promotion that XXXX XXXX was having. This Was about two years ago back in ( 2018 ) .So I was unsure about the promotion and the gentleman reassured me that for any reasons that I could sent the phones back with no charge. They also told me that they would not charge me if I turned my phone on and used it .Just to see what we thought.So we final got the phone 's in after being delivered to the wrong place and we turned them on and use very little data. So I decided to just send back the phones and I called XXXX and they were ok with that. Then shortly after that I received a bill and I called them and they told me a different story. I was upset that they lied and did not disclose this information to me. So this bill went into collections and I did just pay it but I asked the collections agency if they could please delete this from my credit because this was hurting my credit and the opportunity to buy a home. can you please help me with this please.
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| 12/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX I received a letter stating : We are in receipt of your request for validation. The account has been updated and placed on hold in an investigatory status. We will request documentation from out client.
and On XX/XX/19 I received another letter stating : Unfortunately, we are unable to provide the requested documentation within a reasonable time frame and as such ERC has ceased all collection activity. Further, we have requested the account be deleted from any consumer credit reporting agency files to which we may have submitted information. Consumer reporting agencies may take 30 days or longer to update consumer reports.
XXXX XXXX it was still on my credit reports and I disputed with XX/XX/XXXX and on XX/XX/XXXX I received the following message on behalf of : The company that reported the information has certified to XX/XX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute.
I have not received any other mail from ERC in reference to the account or its validity.
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| 01/14/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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About two years ago i purchased a copy of my credit report and noticed there exist a collection account for an unpaid XXXX XXXX XXXX and few other account that was not mine and i did not applied for any of them. After contacting credit bureaus i was informed that i need it to file a police report and also an FTC report which i did and send it to credit bureaus and the original source. They all did removed the fraudulent account from my report and everything was great till when i tried to refinance my home and i got turned down due to this collection account which they reinserted on my credit report and re aged it. Again i sent my dispute letters to credit bureaus and the ERC collection agency and in my letters to them i enclosed a copy of my police report and my FTC report. Not only they have not removed this fraudulent account from my credit report they sent letters to credit bureaus that this account belongs to me and been verified. So far this company caused me a great deal of stress and money and i need your help to resolve this issue.
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| 02/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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I was specific that I would pay the agreed amount if they would give me a letter once paid stating that the debt was paid as agreed. I required them to send me a letter prior to payment addressing this. I received the letter prior to payment - stating that once my payment cleared the account would be paid " Less then owed '' ( but is was the amount that we settled on ). I paid w my bank card the funds were taken out of my account over {$600.00} I called everyday and was told I had to wait for the funds to clear -even though checking my bank the funds did clear. After 2 days the funds had cleared they sent me a letter stating the same thing as the pre payment letter - 'WHEN YOUR FUNDS CLEAR ... I explained to them this is not prof that the account was paid and then it says less than owed, and I tried to address them that they told me it was a settlement amount and should be a settled as agreed. I am trying to re-coop the monies from my bank and will pay the co directly ( which will be additional XXXX dollars ) but at least it will be paid.
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| 06/30/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have tried 3 attempts to contact this company ( Enhanced Recovery Company ). Ive tried contacting their company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is why I have CC CFPB to enforce that I receive what I am requesting as a consumer. I have contacted this company regarding a debt that their office is reporting to my credit report, Ive asked for Debt Validation and still have not received a response. To my knowledge this is violating both the FDCPA and the FCRA. If this company can not send me validation upon my request, and even having to ask for this information 3 times makes me assume as a consumer that this company can not validate this alleged debt. If this is indeed the case, this debt should not be reporting to my credit report. I am asking that they cease all activity of trying to collect this debt and remove it from my credit report. I have gave this company ample time to respond to me. I have asked for validation XX/XX/XXXX and followed up XX/XX/XXXX and no responses neither time and now have sent a letter XX/XX/XXXX.
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| 10/30/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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This is yet another complaint about the repeated efforts of ERC/XXXX to collect an alleged which I contend that I DO NOT OWN OR THAT WAS AUTHORIZED BY ME.
My original complaint was filed on XX/XX/2018. The complaint # is XXXX. I have and will continue to contend that this account was not opened or authorized by me and take great offense that ERC is once again contacting me with language indicating that they have been authorized to report the account to the national credit bureaus thus damaging my credit further. I am already been actively fighting to resolve issues from multiple breeches of my personal info.
I am again disputing this alleged debt and demand that ERC cease collections. ERC has violated my rights under the FDCPA last year by reporting a debt to the credit bureaus that I had actively disputed. I should have filed a class action lawsuit then but backed off when ERC removed the entries from my credit report.
This time reporting of this disputed alleged debt to the credit bureaus will most definitely result in a lawsuit.
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| 10/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Enhanced Recovery Company has posted a fraudulent debt that has affected my credit. I contacted the company after monitoring my credit score. Upon speaking with a representative I was informed that I had an outstanding debt with XXXX XXXX XXXX from the year 2011 that they were now in charge of collecting. Before I paid I decided to call XXXX XXXX. They informed me that I never had any such debt and that I was, in fact, not a customer during this year. I three way called the collection agency with the XXXX XXXX representative. They transferred my call 5 times before hanging up on me. I called the company back and explained that XXXX XXXX had never issued any collection information to them. They insisted that there was a debt. I again contacted XXXX XXXX cable to obtain records showing that I never owed any such debt. I called Enhanced Recovery Company again and was told they would still collect debt even with documentation from XXXX XXXX XXXX stating that I never owed the debt in the first place. I am at an ends as to what my options are.
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| 10/31/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American, Servicemember |
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There are two debt collections on my credit report that are incorrect. The company XXXX XXXX, apparently, is attempting to collect a debt owed by me to XXXX. When I first saw this on my credit report I called XXXX and asked them if I had opened an account with them, they told me that I had not. I live in XXXX and was in the US for medical treatment by the VA and needed a phone to be in contact for medical appointments and opened an account with XXXX. I filed a complaint with XXXX XXXX stating that I had no knowledge of the debt to XXXX. The complaint was evaluated and stated that I did owe XXXX, as noted on the attached screenshots of my credit report. The last reported use of my account with XXXX is XX/XX/2018 and XX/XX/2018. As stated previously I live in XXXX and no longer need to purchase minutes from XXXX and, therefore, I do not understand why XXXX XXXX is reporting that I did use my account with XXXX or for whatever reason, they are using to report that I do have a debt with XXXX. Thank You for your time in this matter, XXXX XXXX
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| 03/10/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I contacted this company due to a bill of {$3400.00} showing on my credit report which I wanted validated because I have no knowledge of this bill. I sent them a request for validation on XX/XX/XXXX and they did received it on XX/XX/XXXX at XXXX XXXX in their offices I gave them 30 days to reply but I did not received anything from them I gave more time and again wrote them on XX/XX/XXXX and they received the letter in their offices on XX/XX/XXXX at XXXX XXXX and today is XX/XX/XXXX and I never have received a letter from them and was advised by my lawyer to submit the complaint here because by law the only have 30 days to validate the debt and since they received my first letter on XX/XX/XXXX over 90 days In which I have not received a reply and due to their actions in failing to responding me in time and not receiving any letters from them I want this account deleted from my Credit Report. I will send attached documents and the certified mail receipts for further proof. This is irresponsible from them and this is affecting my credit.
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| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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These items need to be removed from XXXX, XXXX, and XXXX these aren't my accounts and were told they were going to be removed and I will seek pressing charges XXXX 1.ERC account number XXXX date opened XXXX XXXX original balance {$390.00} 2. Inquiries XXXX XXXX inquiry date XXXX not my inquiry XXXX XXXX Inquiry XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inquiry XXXX inquiry date XXXX not my inquiry XXXX XXXX inquiry date XXXX not my inqiury 3. XXXX XXXX XXXXXXXX XXXX accounts have been paid 4. XXXX XXXX XXXXXXXX account number XXXX not my account 5. Late payments from XXXX XXXX account number XXXX XXXX 1. Inquiries XXXX XXXX XXXX Inquiry date XXXX not my inquiry XXXX XXXX XXXX XXXX inquiry date XXXX not my inquiry 2. XXXX XXXX XXXX Account number XXXX not my account 3. XXXX XXXX XXXXXXXX XXXX accounts have been paid 4. late payments from XXXX XXXX account number XXXX XXXX 1. XXXX XXXX XXXX account number XXXX not my account 2. XXXX XXXX XXXX XXXX accounts have been paid 3. late payments from XXXX XXXX account number XXXX
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| 10/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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A company is attempting to collect debt that I do not owe. There is documented proof that I paid all bills on time ( through XXXX XXXX XXXX. They charged my bank account every month after I sent a check in ( I have bank statements to prove this ) under XXXX account number ( with name, address, phone number ), but they would call me every month saying I did not pay and disconnect my internet. I called them multiple times and complained about this issue and they did nothing to fix it. It was discovered that they had XXXX account numbers under my name ( their mistake, as this was the first and only time I used their service ). Because of this mistaken second account, they are sending me to collections. I paid payments as necessary every month. I should not pay any debt, as there is none. I sent this proof to a collection agency last spring and now I 'm being contacted by another agency regarding the same collection. What can I do? Also, will this harm my credit score? If so, XXXX XXXX needs to fix it, as it is their fault, their mistake.
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| 04/16/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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On XXXX, XXXX XXXX, 2015 at XXXX EDT, a debt collection agency called Enhanced Recovery Company ( ERC ), based out of XXXX XXXX Florida , XXXX tried to contact me with a robocall. The robocall did not address me by name and instead gave me a XXXX number to call and also gave me a XXXX-digit reference number. I did not have a pen handy and the information was given only XXXX before disconnecting. I checked my caller ID and it said " private number, '' so I had no one to call back and did nothing at the time. I received a XXXX robocall from ERC on XXXX, XXXX XXXX, 2015 at XXXX EDT, this time the XXXX appeared on my caller ID. I was told to call XXXX and given a XXXX-digit reference number. I called the number demanding to know why they 're calling me since I know I do n't owe anybody anything. They asked me if my name was the person they 're trying to collect a debt from. I said no and that I did n't know this person. They apologized and promised to remove my home land line number from their list so presumably they wo n't call me again.
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| 05/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I received a notification that I owed a balance for XXXX from a collection agency, Enhanced Recovery Company , LLC. I called and paid the amount requested and asked the representative if this would be reported to my credit report. She stated NO because I paid it within 30 days. A few days later, the collection appeared on my credit report for all XXXX major reporting agencies. I called the agency again and spoke with a supervisor that told me the collection would be removed from my credit report. After another month, it was still reporting and I called the agency again. This time the supervisor I spoke with said they would need to listen to the previous calls and if I was told that it would not appear and be removed, they would take it off. He also promised to call back within XXXX hours which did not occur. This collection is still reporting on my credit file after being told XXXX times that it would not be added and would be removed. This collection needs to be removed from all XXXX major credit bureaus as promised by this company.
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| 10/05/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I checked my credit report and saw an erroneous debt with this company Enhanced Recovery Company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate on XX/XX/XXXX. I learned this organization has reported a balance of {$740.00} for an account I am unfamiliar with to the credit bureaus. I know that I had no business with this company in XX/XX/XXXX I am not certain where this debt came from and would like to it to be removed from my credit reports. Please provide proof of this debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, I feel that they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA. They are reporting this debt as both open and in collections. These derogatory reports have a crippling effect on my ability to make a living and find employment.
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| 10/05/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a letter from Enhanced recovery services on XX/XX/22.
A while back I mailed in a cease and desist they removed the debt from my consumer report.
Fast forward back to XX/XX/22 I received a letter from ERC which they have a XXXX Enhanced Recovery company.
So, I done my research on this fraudulent corporation and come to find out ENHANCED RECOVERY COMPANY can not collect a debt in Arkansas due to not being licensed for this state.
This corporation is also in violation due to me not ever doing any business with this entity.
This is a thirty-party attempting to collect a debt for their own personal reasons. I am currently going through arbitration with XXXX and the alleged debt is not mine.
This corporation has violated my privacy.
This corporation has ruined my reputation by reporting such information on my Consumer report. I've been denied left and right for my own credit due to this corporation.
This is also identity theft due to not having my person to obtain my information and or contact me for this alleged debt.
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| 10/31/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2019, I was contacted by Enhanced Recovery Company regarding a debt from XXXX of {$740.00}. I asked the representative to provide me with an address that service was established and an account number.The representative could not provide me with this information. I informed the representative that this was not my debt and questioned how can they report something on my credit file that they do not have all the information about. She instructed me to go to XXXX ID Theft and fill out a fraud affidavit, on such affidavit, it requests information like, an account number and proof of residency during the time the account was established.
I contacted ERC again, to inform them that I couldn't successfully fill out an affidavit without that information and they told me that i had to pay the debt even if its not mines to get this removed off my credit file. I did send a request that they validate this debt as mines and provide me with relevant information and have not received any information from the company to support my request.
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| 10/14/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have disputed this bill from the beginning, This account is over 3 years old. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. The rep then told me she's not sure what the charges are. This was originally placed with XXXX XXXX collections and then XXXX and they both returned it to XXXX and XXXX and now Enhanced Recovery has ruined my credit by reporting this debit as NEW on my credit report. This is fraudulent information. This debt was reported to my credit report BEFORE I received anything from them.
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| 06/06/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I just found out a Company by the name of ERC charged my credit card {$320.00} on XX/XX/19. On XX/XX/19 was the first time I was informed of this charge. I never heard of this company nor have I given out my credit card number to anyone from this company. I could not get any of the company 's representative to tell me what I was charged for, nor would they tell me how the they got my credit card information. This is a fraudulent action by this company. I am not alone with this complaint from ERC ( Enhanced Recovery Company , LLC ) There are numerous complaints filed on Yelp by other consumers. I did call my credit card company and disputed the charge. Some time ago, I recall getting missed calls messages telling me I was going to Jail and the Federal government was in the process of having me put in jail. I am federal worker, I am still employed as a federal employee and as of XX/XX/19 I remain not incarcerated. It just seem suspicious that My credit card was hacked and this company was able to file for funds from my credit card.
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| 06/06/2015 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On XXXX XXXX, 2015, I found Enhanced Recovery listed on my credit report ( XXXX and XXXX Account Number per Credit Report : XXXX ). I have never been contacted by them, never received a dunning letter stating I had XXXX days to dispute ... nothing. I just found them on my credit reports. I immediately sent them a DV letter. It was mailed on XXXX XXXX, 2015 and received XXXX XXXX, 2015. ( Tracking number via XXXX XXXX, mailed to ENHANCED RECOVERY XXXX XXXX XXXX, FL XXXX ). On XXXX XXXX, I get an alert that Enhance was posted to my XXXX report. That right there, posting an account to a credit report while in dispute and not showing proof, is a violation. On XXXX XXXX, I disputed it with all XXXX CRA 's. Within XXXX hours, Enhanced verified the account with all XXXX CRA 's. Still till this day, XXXX XXXX, 2015, Enhanced has ignored my DV and has not responded to my DV but they continue to verify with all XXXX CRA 's. Huge violation! Enhanced has violated the FDCPA section 809. I want this account immediately removed from all CRA 's.
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| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I paid this account in full 5 years ago I have sent many disputes and many requests for a Goodwill correction but ENHANCED RECOVERY COMPANY LLC continuously refuses to correct the tradeline on my credit report it does reflect a XXXX balance but it is listed as a derogatory account it needs to be corrected to current closed as it has not been derogatory for three years right now and trying to close on a mortgage and it is seriously inhibiting my ability to finalize the loan. My closing date is XX/XX/XXXX and my underwriter with the USDA said this needs to be corrected as it is. Derogatory it should be listed as current closed.
It is against the Fair Credit Reporting Act to keep harming somebody's ability to acquire new credit by listing is satisfied account as derogatory.
This item needs to be deleted or corrected.
I have the tempted many phone calls letters and disputes enhanced recovery collections is blatantly being vindictive despite the fact that this account was paid in full and has not been in collections for 5 years.
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| 01/14/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Attention XXXX and if possible XXXX and XXXX Delinquent Account ; XXXX XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX systems about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same i guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match.
Please Correct
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| 12/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is compliant in regards to debt collection for a balance from a XXXX XXXX. The XXXX agreement was processed on XXXX service charges Everything Data {$19.00} Premium Data {$10.00}. Total estimated monthly service charge $ XXXX have attached the contract.
From XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge the {$10.00} Premium Data Fee over and above my monthly service charge. Please see attached sample of XXXX of the monthly billingFrom XX/XX/XXXX until termination of the contract XX/XX/XXXX I was charge {$99.00} a month for the monthly service charge. Please see attached sample of XXXX of the monthly billings.
I was also charge late fees over the course of the billing period, please take note that when a consumer signs up for a certain amount ever month and you bill {$80.00} dollars above that every month the consumer may find it difficult to pay that bill.
Also I would like a refund for the early cancelation of contract because the contract was never establish or maintain at the rate agreed upon.
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| 02/15/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company ERC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
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| 10/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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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.
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| 04/28/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I signed up for an XXXX XXXX XXXX promotion -- internet and XXXX for around a {$100.00} a month for two years. When his first bill in XXXX was nearly double that, he complained to XXXX XXXX XXXX.
" Every month I open up your envelope and you go, 'OK, what's the surprise this month? ' '' After, making multiple complaints to customer service I continue to get passed around with different information. At the end I was constantly placed on hold and problems was never resolved. Due overwhelming frustration I cancelled the service ; however, the continue to charge me. Now the have a collection agency {$2200.00} ( ERC # XXXX ) XXXX XXXX XXXX XXXX FL XXXX. Every time I asked for validation of this bill the collection sells the dept and then a new collection agency attempts to collect a debt that's not owed.
Basically, I was scammed, buy a bait and switch method. Because the never honored the promotion ; plus the cable service was always shutting office and the WiFi had a weak signal which continue to boot me off of the internet
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| 11/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 12/22/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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It has come to my attention that Enhanced Recovery Company recovered a payment for a debt that I never owed.Enhanced Recovery Company reported a collection account to my consumer credit file on XXXXand XXXX. I have learned that I do not owe this alleged debt. If Enhanced Recovery Company had the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company collected. Enhanced Recovery had no legal right to attempt to collect a debt as I never authroizedan account with XXXX. Enhanced Recovery never validated this debt nor sent me a notice of collection. I have learned that Enhanced Recovery is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removedfrom the credit bureaus immediately as this should not have ever been reported to my consumer credit file
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| 04/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XX/XX/2017 I contacted XXXX concerning a new service. I was told that I owed on an old account from another city from a couple years back. They said that it was no record showing I turned the box in. I turned it in when I shut the service off. So I was told that I owed XXXX. No collection agency or no calls prior to this had been made to me and I did not receive any notices to my current address prior to my calling. I paid XXXX on XXXX and I paid the remaining balance of XXXX on XXXX. I have my bank statement to prove these transactions. I recently checked my credit reports and I found a collection agency on my report by the name of ENHANCED RECOVERY COMPANY representing XXXX. It was reported to them by XXXX on XXXX. I do n't understand what is going on with XXXX. I paid this debt in full and it is saying I owe {$88.00} for what? I believe that these charges are fabricated to get more money from me and to ruin my credit even more. I do not currently have an open account with XXXX. Please help me. Thank you in advance.
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter from ERC that they wanted to settle my debt. I called them with a financial Counselor on the line with me. The Manager XXXX told us if I paid the {$140.00} of the {$290.00} owed that I would receive a letter stating I 'm was settled with a XXXX balance. I requested to have this letter of intent ahead of time but XXXX said he could not but that the call was being monitored and he could not lie. I said I know companies sa y one t hing and change later. He said no he could not do that he gave me his number and Extention. I was told to have faith in people! I made the payment same day Thur XXXX . It posted next day. I was told to call Monday XXXX for my letter. I called XXXX for my letter. I was told my letter woul not say a XXXX balance. I told them everything the Man. XXXX told me and They told me i was n't making any sense. They refused to listen to the recording. The letter that was sent specially says this debt was not paid in full. Instead of the XXXX balance I was told it would.
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This Debit Collection Agency called Enhanced Recovery is XXXX Around with My Credit Report, Ever Since XXXX From When They First Called Me Back Then. I Informed Them That the Account Was a XXXX Account Witch the Original Company XXXX XXXX XXXX Knew About the Account Being XXXX. The Person at The Collection Agency Had an Attitude Trying to Be Smart and Tell Me I 'm Going to Pay for The Account Regrade less it 's fraud Account or not. I Told Him I was not Going to Pay for a XXXX Account that was n't mine he Hung up The Phone. Ever Since Me and Him Got into It Over the Phone, at The Beginning of the year ever Since Me and Him Got into It. The Collection Agency Sneak and Put the Account Back on My Credit Reports After the Fact It Been Removed in a result of it being a fraud account, Where I Have to Dispute It Every Year, Last Year They Were Trying to Be Sneaky and Put the Account on Their Twice Not Thanking I Would Catch It. Just Today I Checked My Report and The Account was Back on Their, Where Had to Dispute the Account.
|
| 10/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it.
XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine!
ERC - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine!
XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX collections???? OMG!!!! it is not mine!
XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
|
| 05/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am working on fixing my credit and a collection item from XXXX XXXX XXXX was on there that I could not recall what this was. I filed a dispute with them and per their investigation it was a bill from XX/XX/XXXX. I received a letter back on XX/XX/XXXX that said I had until XX/XX/XXXX to contact the number regarding it or collections would continue. So I called because at this point I am trying to get my credit clear for certain reasons and I was going to settle with them, however they said they didn't have it and sent me to ERC collections. I called both of them on XX/XX/XXXX, I believe or maybe it was on XX/XX/XXXX, the deadline. When I got to ERC, they stated they didn't have the debt and XXXX XXXX XXXX took it back on XX/XX/XXXX. Now here I am trying to get this cleared and nobody can help me. The " alleged '' debt is from XX/XX/XXXX, which we are in XX/XX/XXXX, which seems like that is also past its time. I want to get this cleared and removed off my credit yet I am stuck. I did exactly as requested to no avail.
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American, Servicemember |
|
-- -- -Original Message -- -- - From : Myself Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX Cc : My Attorney Subject : Emailing : XXXX Dispute - XXXX XXXX XXXX XXXX To whom it may concern : I just spoke to XXXX XXXX XXXX XXXXXXXX XXXX XXXX today regarding the claim by XXXX that I owe them {$190.00}. I attempted to talk to them without any resolution so I sent the attached bill to XXXX XXXX and they agreed that I should not have been charged and issued a credit. The account was closed on XX/XX/XXXX and XXXX illegally kept my credit card number and made this charge after the account was closed. As you can see the bill was for service from XX/XX/XXXX through XX/XX/XXXX. I should probably just go ahead and get a lawyer and sue them but I don't want to waste time dealing with anything this minor. However, please let XXXX know that if I hear anything else regarding this issue the next response will be from my attorney. You can check my credit report and you will not find where I have ever failed to pay anything.
Thanks,
|
| 12/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was checking my credit score today and I saw some Enhanced Recovery Company has opened a collection account on my credit report on behalf of XXXX XXXX XXXX XXXX which caused a drop of 20 points due to a collecting account been opened on XX/XX/2019 stating I owe them XXXX dollars as a debt. First of all i dont know who that collector is nor I received any type of correspondence in writing notifying me regarding the debt. Today I called the Enhanced Recovery Company and talked to the agent XXXX XXXX. She looked up my name along with my last 4 digit social security number my area code and the city I live in she still couldnt locate me in their system. I filed a similar complain against XXXX XXXX XXXX XXXX in XXXX when XXXX XXXX tried to collect the debt of same amount I dont owe to XXXX XXXX XXXX XXXX and they removed the collection account. This is the second time XXXX XXXX XXXX XXXX is illegally destroying my credit score. I request to immediately remove this collection account from my account and restore my points.
|
| 04/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have a a unverified account from ENHANCED RECOVERY COMPANY XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY.
Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 12/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This company is in violation of FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices and reporting to credit bureaus. However, I paid them in desperation on XX/XX/2018 to get it removed off my credit report, because they informed me that if I paid it they would remove it off my credit report and they have not. I will also be contacting my state 's attorney general 's office in regards to this companys business practices as well. XXXX XXXX XXXX has VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt and not following through with our agreement to remove it. They have until the end of next week to remove the reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. I will purse litigation in this matter to enforce my rights under the FCRA. Please give this the immediate attention it deserves.
|
| 07/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I shared an account with a XXXX who is a friend of mine on a cable/internet account with XXXX. I left the residence and the account remained open for mea friend. After he closed it, they apparently did n't receive their equipment back so they issues a collection in my name since my roommate moved back to XXXX and is unreachable.
I have been trying to pay it as basically a nuisance fee because it 's impacting my credit score. I am currently trying to buy a house in my community but my loan is impacted by this issue. I spent more than an hour and half on the phone with them today being transferred more than 5 times. Most recently I have not even had a customer service representative on the phone for at least half an hour.
I want to pay the debt, though I want a guarantee that they 'll issue a correction and a letter of deletion but I ca n't even get someone on the phone.
I find it incredible that they can impact my credit score and thus my ability to take out a loan but wo n't answer a call to accept payment.
|
| 09/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
I am a XXXX XXXX XXXX Veteran with 3 XXXX XXXX and I need XXXX XXXX XXXX. My wife of many years died and I decided to move to California where my relatives could help me. I contacted XXXX XXXX and informed them I was moving. They told me the equipment could move with me. I told them I was moving to California where they did not service. Arrangements were made to return the equipment. It was available for pickup at the time and the place I had indicated. They refused to pick it up. Now they have sent the bill to ERC for collection after I disputed the account. ERC has placed it on my credit report and NEVER attempted to contact me. I learned about the account through XXXX XXXX. I contacted them and told them I disputed the account for the above reasons and the only thing they would do is try to make me pay for equipment that XXXX apparently did not pick up. No attempt to validate the debt occurred. No attempt to validate my dispute was attempted. No attention at all to my dispute. They just continue to report it.
|
| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
After being the victim of identify theft, I took all of the steps recommended by IdentityTheft.gov including mailing the appropriate documentation of identify theft to ERC to the address listed on their collection notice for correspondence. The documentation was returned by the postal service as undeliverable. This seems clearly fraudulent if the only address provided for disputing the collections charge is undeliverable. I am including photos of the address provided by ERC on their collections notices as well as the same address returned by the postal service as undeliverable.
I also called XXXX XXXX XXXX ( where the fraudulent charge was made ), explained the situation, and sent all required documentation to their fraud department. At their request I also filed a police report. 118 days later they have not responded and I am still receiving collection notices from ERC for this fraudulent charge. The correspondence address given on the form is still the same one that was previously returned as undeliverable.
|
| 03/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
As of XX/XX/XXXX, I received a letter for someone named " XXXX XXXX XXXX '' from XXXX at my old address concerning a reference to a bill for service and the demand to return XXXX equipment. Seeing as my name is not " XXXX XXXX XXXX '' and I've never had XXXX, this was a rather big problem. Also, the fact that they mentioned an email with no connection to me tipped me off as well. I ignored it and continued with my life as usual, believing it to be spam. This was a mistake.
On XX/XX/XXXX, I received another letter ( also for XXXX XXXX XXXX ) from XXXX XXXXXXXX XXXX on behalf of XXXX XXXX concerning a balance of {$780.00} that I was expected I pay. I called them at the number provided and filed a fraudulence claim and was told they would rectify it.
I heard nothing for two years and assumed it had been resolved.
On XX/XX/XXXX, I received another letter ( for XXXX XXXX ) concerning the supposed debt to XXXX via a different debt collection service called ERC. ( see attached ) Please help me conclude this issue.
|
| 06/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX of 2019 I received a letter from ERC collections saying that I own {$1200.00} to XXXX XXXX.
I called XXXX XXXX to verify the account number on the collection letter, XXXX, but they would verify the debt as the SSN and Phone numbers ( mine ) Didn't match the account.
I went to ERC 's site to enter the account number and 'last 4 ' of SSN to look at the 'account ' but they to do not have the correct SSN. Further there is not way to pay the bill on paper. I question if the whole situation is fraudulent.
At this point I do not understand how : 1 ) XXXX XXXX allowed an account to be opened against my name without i-Matching SSN ii-Form of Payment iii-Validation of My name against address on file 2 ) The collection agency is linking my name to an account with a different SSN on file Police Report File with XXXX Police Department, XXXX Ohio : XXXX I already have a fraud alert in place as this has happened recently with another company, XXXX, where a fraudulent cable account was created in my name.
|
| 11/29/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I noticed the company reporting on my report late this summer. I called the company several times and ask them to provide me any documentation that the account was actually mine. This is a account with XXXX that I had ten years ago I switch my service for XXXX to XXXX I had to pay my bill in full. XXXX never sent me any other bill and all of sudden last year XXXX XXXX a collection agency started reporting on all three of my reports. I sent letters and letters and finally early this year the account was removed from my reports. Then late this summer it was right back on my report. I was given no documentation or letters from the credit bureaus that the account was mine and would go back on my report. So lately I been calling the collection company and XXXX and asking them to send me any documentation and I still received nothing. XXXX ca n't find anything when I give them my information to look up. Still today it is still showing on my credit report. I am in the Military and this can hurt my Security Clearance.
|
| 07/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX and Enhanced Recovery agency. There is a collection on my account that is not mine. I do not live at the address the service was provided and I have not given my ss # or signed a contract for the service they claim I owe. I did apply a security freeze on my account last year when this happened same company XXXX XXXX different collection agency. They need to proof this is my account. I have never had XXXX XXXX. I pay my bills on time and this appeard again like I said under a different collection company. I put a fraud alert on account. I am requesting the company send me proof to my current address of 20 years. I have not recieved anything in the mail. This is simply fraud and I want it removed immediately. The address the XXXX XXXX was put in was a childhood home. I have not lived there in over 30 years. I disputed with XXXX last year they removed for lack of proof it has appeared again under different collection company and XXXX has said the company showed it was mine. I would like to see the proof.
|
| 11/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
I opened a XXXX XXXX credit card account and made one purchase in I believe XX/XX/XXXX in the amount of approximately {$130.00}. This is all approximate because I never received a statement. Not one. I did receive the credit card so I know that XXXX XXXX had my correct address. In early XXXX I received a letter from ERC stating my XXXX balance was unpaid and had been placed with them for collection. Amount due being {$330.00}. I was shocked because I always pay my bills on time and then I realized I never received any statements from XXXX XXXX. I sent a letter to ERC on XX/XX/XXXX requesting more information about this, following the instructions given in the ERC letter for requesting more information. After not receiving anything I sent another letter on XX/XX/XXXX, again requesting more information and requesting a response by XX/XX/XXXX. I have not received a response. I called XXXX in XXXX and they told me because they had given this account to ERC there was nothing they could do, I had to deal with ERC.
|
| 04/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through Enhanced Recovery CoL on XX/XX/XXXX and again through XXXX XXXX sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of the reporting agencies needs to be removed. And they need to stop re reporting it as new.
|
| 08/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with ERC which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with ERC since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX asked to have the negative files removed since they failed to provide proof of my signature with ERC. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices by updating the date of insertion with a different name now listed from ERC to XXXX XXXX XXXX on credit files between the dates of XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring.
|
| 11/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recieved notification from my credit monitoring company that a new collection company was listed- XXXX XXXX XXXX. It says it was for XXXX XXXX- I called XXXX XXXX because I was unaware of this unpaid debt. They tell me my account from XX/XX/XXXX is in collections because I had a balance due- as well as unreturned equipment. I advise dit was returned and why was n't I informed prior to this, they said they sent a bill XX/XX/XXXX and that was all. They said they did n't send anything after that- that they do n't have to. How am I suppose to know about a outstanding bill or they did n't receive my equipment if they did n't send me a bill? They also state that you have up to 15 months to return the equipment- after that you have to pay for the equipment, that date was end of XX/XX/XXXX for this account. Funny how it appears on my credit bureau shortly after the time period they say I now own the equipment and have to pay for it- when they have n't sent proof that they never recieved it. Deceptive practices!
|
| 05/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Thank you for your recent contact dated : XX/XX/2019.
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
|
| 05/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
ENHANCED RECOVERY COMPANY # XXXXI had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
|
| 09/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
When my credit was pulled there was an account from Enhanced recovery for XXXX.I requested validation of debt including contract and account history.The date they are reporting is not accurate and what they submitted proves the way it is reporting on credit is not correct. I have disputed with the bureaus and yet this company still reports inaccurately. They are indicating that the account opened XX/XX/XXXX yet the final bill was received XX/XX/XXXX and what the collection company forwarded was nothing more than a bill showing total due for billing period of XX/XX/XXXX-XX/XX/XXXX and and bill Date XXXX/XXXX/XXXX and it reporting a previous balance of {$1200.00}. No break down of fees or anything. I did save the final bill received from XX/XX/XXXX. I want this deleted and any reference to this on my credit report. It is also past the statue of limitations for collections in NV. I have attached all documents I have referenced above. I am also sending a copy of the letter that was sent asking for validation.
|
| 10/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I apologize for disturbing anyone who may read this complaint but enough is enough I am tired of Enhanced Recovery Company Reporting this alleged debt on my Credit Report.
I initially gave them extra time to respond because we are under pandemic but not it's been too long it is inaccurate and even worse it is unproven!!!! The Date of last activity inaccurate the date of first major delinquency not consistent with the Alleged original Creditors date This alleged collection looks reage I contacted them via mail to get them to send me the 1099-OID for this report and they did not reply at all not even with the original creditor or any file that may have answers to questions I have about this Account. So now I want them to upload the proof Original contract with the third party clause naming them as the rightful owners of this alleged debt Furthermore Upload the 1099-OID Original Issue Discount to this dispute portal So far they have not answered any of these requests yet continuously report on my credit
|
| 07/20/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had phone with XXXX they shut off stating I owed them thousands of dollars for charges I didnt owe they shut your phone off if you dont pay one months payment, I had phone in about XXXX this is XXXX and they are on my credit report for XXXX dollars they have been on my report for 15 years there is no way I owe XXXX dollars they shut my phone off and I should only owe for one months payment not XXXX dollars how can I owe so much if you are late one month they shut your phone off they are trying to ruin my credit and charge me for an outrages amount of money that there is no way I could owe XXXX they dont let anybody charge thousands of dollars to there account if you dont pay your bill every month they shut it off and they have been on my credit report for about 15 years changing collection agencys to do so please help me get this stopped they do same thing to thousands of other people too, Ive disputed this for years so Im filing this complaint to try and get this matter resolved thanks for your help
|
| 08/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX XXXX XXXX flagged my account as Collections on XX/XX/2023 and my XXXX Score decreased by XXXX points with XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX It wasn't my debt so I files a dispute and was notified it was removed from my credit report : Source : XXXX XX/XX/2023 Report Number : XXXX Now, the SAME DEBT is in collections and myFICO Score has decreased by XXXX points! This time ENHANCED RECOVERY CO XXXX has flagged my account as Collections on XX/XX/2023 : ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance : {$1500.00} How many times must I work to dispute THE SAME DEBT? This is predatory collection activity, happening to a senior citizen. The debt originated with XXXX XXXX XXXX, who I think is also culpable as its happened multiple times with XXXX XXXX XXXX and my credit has been frozen. XXXX XXXX XXXX is ruining my life with these fraud accounts.
|
| 07/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I called XXXX and they told me that if I paid the account that they would remove it from my credit report. They told me it was 72 hours to process and 45 days to remove from my credit file. SO i did my part and I called the collections agency and paid said account. Here it is XX/XX/XXXX and it is still on my credit file showing a XXXX balance, nonetheless still on my report. I was told this was going to be removed. So i went ahead and called the credit collections company Enhanced Recovery Company XXXX and they told me to call XXXX. So i hung up called XXXX, they bounced me everywhere including the fraud department. I finally spoke with a person who told me to get back with the collection company and they are the ones that wll remove. I called ERC and they told me to contact XXXX that they have a contract with them and cant remove the collections from my credit file. I feel like a ping pong ball i lived up to my end I paid it they said they would remove it ... XXXX nothing has been done
|
| 05/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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DEBT COLLECTOR : XXXX ADDRESS : XXXX XXXX XXXX. XXXX, FL XXXX PHONE : XXXX THIS COMPANY WAS ASSIGNED BY CREDITOR : XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX PRODUCT : XXXX THIS COMPANY IS CLAIMING THAT THEY SENT A COLLECTION BILL TO MY HOME ADDRESS ON XX/XX/XXXX FOR THE BILL FROM XXXX ( WHICH I AM COMPLETELY UNAWARE OF ). THIS COMPANY DID NOT MAKE ANY ATTEMPT TO COLLECT THIS DEBT WHICH WAS ONLY FOR {$59.00} AND NOW IT HAS AFFECTED MY CREDIT HISTORY FOR SOMETHING THAT I WOULD HAVE PAID REGARDLESS HOW MUCH WAS THE AMOUNT. I FOUND OUT ABOUT THIS CHARGE FROM MY CREDIT CARD COMPANY WHEN THEY INFORMED ME THAT THERE IS COLLECTION PENDING ON MY ACCOUNT. ERC NEVER MADE ANY GOOD FAITH ATTEMPT TO COLLECT THIS DEBT AND JUST REPORTED THIS TO CREDIT AGENCIES.
I HAVE NOT HAD ANY DELINQUENT CHARGES ON MY CREDIT AND IF THIS COMPANY WOULD HAVE MADE AN ATTEMPT TO COLLECT THE CHARGES, I WOULD HAVE PAID FOR THEM.
I PAID AMOUNT IN FULL AND REQUESTED THEM TO REMOVE THIS FROM CREDIT HISTORY AND ERC REFUSED TO DO THIS.
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| 08/21/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have a a unverified account from ENHANCED RECOVERY CO. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CO. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CO. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 07/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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A collection agency ( Enhanced Recovery, LLC ) added an incorrect collection item to all XXXX of my credit reports in XXXX of XXXX, dragging my score down XXXX points with each bureau. The collection is for XXXX, but I do not know what for.
The opening date of the collection is listed as XXXX of XXXX.
I have not had XXXX since XXXX of XXXX, when I switched to XXXX XXXX XXXX. The only account I have ever had with XXXX is a pre-paid phone. I never had a contract with them.
I disputed the debt with all XXXX bureaus, which is notated on the account, but it was not removed.
In XXXX of XXXX, I contacted Enhanced Recovery, and asked them to provide proof of the debt. I received a dunning notice, giving me XXXX days to dispute the validity of the debt, which I did. Enhanced Recovery received my debt validation letter via certified mail on XXXX XXXX.
Now, nearly four months later, I have not received any response from Enhanced Recovery, and the false debt is still on all three of my credit reports.
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| 04/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I recently checked my credit score and found some damaging items listed on my report. The following accounts are not mine and I did not authorize these to be on my report. Please investigate and removed them immediately : Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ERC, XXXX, XX/XX/XXXX, {$84.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2400.00} Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXXXX/XX/XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXX XX/XX/XXXX Inquiry : XXXX XX/XX/XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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| 01/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To CFPB, I am filing this complaint against XXXX XXXX who recently placed on my credit report an account that is fraudulent, they are reporting that I owe XXXX XXXX ( formally XXXX XXXX ) {$640.00} How crazy does things get? I owe XXXX NOTHING!! This collection agency just caused my credit score to go down because of this fraud that is being reported by XXXX XXXX therefore, I am requesting that CFPB investigate and fine XXXX XXXX XXXX XXXX XXXX dollars for their fraudulent activity.
Further, when I contacted XXXX this morning about this fraudulent activity by XXXX XXXX they were stunned that anyone would pull such a stunt on some one with such a good paying record with them and instructed me to upload to you, CFPB a copy of my bill which clearly shows I owe NOTHING and am current.
I will now upload that document to you so you can see for yourself that what XXXX XXXX has done is both illegal, slander, fraudulent, nonsensical, and defamation of my character and they need to be punished for this.
|
| 04/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Enhanced Recovery Company submitted a collection on all XXXX of my credit reports stating I owe {$670.00} from a XXXX Cable/Cellular bill. I knew I did n't owe XXXX anything and called them to verify and they verified I was all clear of any debt. They were not aware of sending anything to ERC as a collection on my account. I have called ERC and they could n't find anything on me with what information I was giving them. Which proves its not me that the debt belongs to. I have disputed it with all credit bureaus and have not heard of anything. I have since applied for credit and have been denied due to Severe delinquency and debt collection on my credit reports. I have always had good payment history never late on my bills. This is affecting my credit score and is becoming a big nucense. I have read other customer complaints dealing with this same issue and it looks like it could be a scam. I am not getting anywhere with the credit bureaus and need this removed from my credit reports. Please help.
|
| 01/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2019 I disputed an account reported by XXXX XXXX ( Original Lender XXXX At XXXX XXXX ) in the file maintained under my Social Security number. I was informed on XX/XX/2019 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Enhanced Recovery Company. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.
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| 03/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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1. I called this company to find out what this mystery knick on my credit report was. They said I had an outstanding balance for XXXX XXXX XXXX from XXXX or XXXX. ( which means they are incorrectly reporting the time of this debt and it should already be expired and not subject to posting on my credit report ) 2. They did not have the correct address on file. ( I updated them on the phone call ) They had an apartment number that does not exist in my building. They had one number. Like XXXX XXXX XXXX. Every apartment in my building has 3 digits. example # XXXX or # XXXX. I have never received any mail regarding this debt and was completely unaware anyone was trying to collect it. If I had It never would have reached collections.
3. XXXX XXXX is billing for return of equipment which was returned to their driver when they came in to set up a couple months later. I absolutely dispute the balance of this bill and had I known they were trying to collect it I may have fixed this inaccuracy years ago.
|
| 07/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
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Web |
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I am getting multiple calls from ERC representatives, and Ive now received mail from them at my new address. They arent looking for metheyre looking for my ex-husband who Ive been divorced from for two years now. He has never had my phone number ( and Ive been on my own account for at least 3 years now ), and he has never lived at my current address ( which I bought as new construction 4 months ago with my new husband ). I have told them that I am not him, he is my ex, and Ive provided them the correct address. Sadly I dont have his current phone number or I would give them that, too. Every time they call and I explain the situation, they tell me that theyre removing my number and information from their list but I continue to get calls and correspondence from them. I dont understand how theyre getting my contact information but cant seem to find his to contact him since hes the one in debt. They also disclosed how much money he owes them even though I told them I am not who theyre looking for.
|
| 12/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This debt collection agency has taken on abusive practices. I previously complained about a XXXX debt by way of XXXX XXXX in XXXX of 2020. The Harrassment stopped and I later received a derogatory mark on behalf of XXXX from Enhanced Recovery Company one month later. In an effort to quickly resolve the issue I offered to pay for removal. I paid the random {$63.00} debt for XXXX and the reporting persists with a XXXX balance. Not only that a new XXXX debt has appeared today for over triple the amount of the first debt. I am writing so that this dangerous recycling and reporting of old paid debts or unknown accounts cease. I had one comcast years ago and have not had any new unpaid debts nor unreturned equipment. These phone calls have been recorded.
My credit report shows two derogatory marks from Enhanced Recovery Company in starkly different amounts. I believe there have been federal violations and innacurate reporting which have been detrimental to my fair credit rating.
Please advise.
|
| 11/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I have a unverified account from Enhanced RecoveryXXXXXXXX I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
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XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud.
XXXX showing a balance still owed and this account has been settled.
XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud.
XXXX XXXX XXXX shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud.
ERC shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud.
XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud.
Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor
|
| 07/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I received a collections notice regarding this balance on or about XXXX. Pursuant to my rights under the FDCPA, upon receipt of that notice I responded appropriately to dispute that alleged debt, requested verification of the alleged debt against me, and that a copy of the bill be mailed to me. I never received any response from any agency regarding this balance and assumed it was resolved.
In XXXX XXXX, I identified a ( meritless ) derogatory remark on my XXXX credit file in XXXX XXXX from Enhanced Recover Company, LLC. I had no prior contact with that company prior to that remark. I called ERC onXX/XX/XXXX. They had no records of any prior notices sent by your office or any other debt collection agency, nor could they send me verification of the alleged debt at the time of the XXXX XXXX call. I received a letter from ERC dated XXXX XXXX however it fails to provide the other required items required by the FDCPA 809 ( 15 U.S.C. 1692 ( g ) ), including sub-sections ( a ) ( 3 ) - ( 5 ).
|
| 06/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I reached out to XXXX on XX/XX/2021, to dispute an account that should not be on my credit report as it is not a bill/account that is mine. This bill is from a third-party debt collector that goes by the name of Enhanced Recovery Company LLC ( ERC ) and is representing XXXX XXXX as the original creditor for a balance of {$4200.00}. I disputed this transaction on my credit report through XXXX and I explained that I wanted the account removed immediately based on law 15 USC 1692b ( 2 ). I looked at my XXXX account on XX/XX/2021, and see that the bill has an updated status that states the collection account was paid and there is now a {$0.00} balance. This information is incorrect as I have not paid any money as I do not owe any money as this account is not mine. Although the balance is at {$0.00}, it has damaged my credit report which is also my reputation based on law 15 USC 1692d ( 1 ) as my credit score has now dropped 11 points due to the inaccurate information that is being reported.
|
| 02/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
From XX/XX/XXXX to XX/XX/XXXX I was assigned to the XXXX XXXX XXXX XXXX ( XXXX ) - XXXX. During the time I was stationed in XXXX and lived in the Barracks I established an account with with XXXX and XXXX XXXX XXXX on U.S. Property. I received orders for reassignment to XXXX - XXXX XXXX in XXXX, XXXX in order to deploy to XXXX. The XXXX XXXX XXXX XXXX Community Center drafted and submitted an official letter to XXXX notifying them that I was placed on orders and will be terminating the agreement. In XXXX I began receiving collection notices and phone calls from several collection companies over the years as the debt was continually transferred from one US debt collection company to another. The debt does not belong to me because XXXX was notified that their services was no longer required but it appears that long after I was to XXXX and XXXX to XXXX, they continued to bill me for several years despite not using their service or even being in the country in which the service was established.
|
| 06/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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New reporting from Enhanced Recovery Company on credit for debt with XXXX XXXX. Have reached out to XXXX XXXX multiple times and every time I have called they have no record of prior phone conversation. Disputed debt with ERC. I had tried to cancel service with XXXX XXXX 3 months prior to getting it turned off. They had charged for the equipment which was returned. They placed the debt with a different collection agency which was disputed as well. I was told I would hear back from them if there were any problems. I heard nothing. This new collection agency stated that XXXX XXXX would have had to notify me prior to them taking the account in XX/XX/XXXX. I did not receive information. The costumer service at XXXX XXXX is never able to help me and every time I call I am on the phone getting changed between departments for over 30 min or the call some how gets dropped. I have not had proper communication or notification about this debt and have tried to resolve the problem over the last year.
|
| 03/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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I have an unverified account from ENHANCED RECOVERY CORP. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CORP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CORP provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 03/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Upon reviewing my credit report, I noticed a couple of debts from ERC. In an effort to quickly remove these items off of my credit report, as I have been working diligently on increasing my credit score this year, I notified ERC in writing that the debt had not been validated. However, in an agreement to get this off of my report expeditiously, I would pay the indicated amount of $ XXXX/collection to have these XXXX collections removed from all reporting agencies ( XXXX, XXXX and XXXX ). I clearly spelled this out in the contract, that if ERC cashed the checks, see both check numbers XXXX and XXXX and accompanying letters sent to ERC, this signified agreement of the contract and that within 15 calendar days, the collections would be removed/deleted from all reporting agencies and that this would be considered closed ( see contract for further details ). ERC cashed both checks, signifying their agreement with the contract, but failed to delete both collections from all XXXX credit bureaus.
|
| 07/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have been the victim of identity theft. I was told that I owe a debt for a XXXX account to which I had no knowledge about. Enhanced recovery is now in charge of that account. Ive tried to dispute with the credit bureaus and I am told the debt has been verified by enhanced recovery. How are the credit bureaus relying on enhanced recovery to verify a debt that I am not even getting a response from them about?
I was sent a list of charges from enhanced recovery XX/XX/2020.
Enhanced recovery is reporting late payments on this collection account which is not accurate reporting.
I sent enhanced recovery a debt validation letter via certified mail which was received by them XX/XX/2020.
Further more according to the FTC I have followed protocol by submitting my identity theft affidavit along with section 605b letter and identifying that account as identity theft.
I have been advised by an attorney to file a police report which Ive also done Im simply waiting confirmation of my report.
|
| 08/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I request that Enhanced Recovery Company {$240.00}, {$530.00} formally substantiate account data Enhanced Recovery Company conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified account. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Enhanced Recovery Company desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
|
| 06/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY Provide verification of the following : 1. The original Application or contract ; 2 . Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4 . Any and all canceled checks ; 5 . Original date of default and collection activity begin 6 . Whether you purchased the debt, and if so, the amount paid for the debt 7 . The date ( s ) the debt allegedly accrued ; 8 . An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 06/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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XXXX store manager breached my contract and canceled the account I had within their computer and then refused to correct the mistake saying their computer would not allow the account to be reinstated. I went into XXXX to get two new phones and add them to my account. For some reason, the store manager ( by accident ) created an entirely new account ( XXXX was told by XXXX upon calling ) and canceled the current contract. I don't know exactly what happened because I obviously was not given access to their computer. Bottom line is they canceled the contract within the computer, my phone numbers eventually canceled out and that was when I realized something was wrong. XXXX breached the contract. I repeatedly tried to get the account reinstated and everything put back in place and XXXX simply said their system would not allow it after three months elapsed. Now they have reported the account to collections and put it on my credit report. I paid my current XXXX bill throughout the process.
|
| 02/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
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Today I received in the U.S. Mail a letter dated " XXXX/XXXX/XXXX '' from " XXXX '' with a copy of my " XXXX '' credit report. Under the " Adverse Account '' section, there is only 1 false/Identity Theft listing. It is from a debt collection agency called " Enhanced Recovery Company , LLC. " ; XXXX. XXXX XXXX ; XXXX, FL ; XXXX ; ( XXXX ) XXXX. It claims that I owe " XXXX XXXX. $ XXXX. '' I have NEVER used " XXXX '' I 've had " XXXX '' for the last 22 consecutive years. I am a victim of Identity Theft. And this is the exact same company that unlawfully posted the exact same adverse information on all XXXX of the major credit bureaus ( i.e., XXXX, XXXX, & XXXX ) around XXXX of XXXX before being ordered by the same XXXX credit bureaus to " Delete '' this intentional false/Identity Theft " XXXX '' debt scam that this company has been allegedly running. When I called their toll free phone number, their company 's rude telephone operator just told me " ... just pay the $ XXXX, fool! ... ''
|
| 03/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
After reviewing my credit report over a month ago, I notice an unknown debt of {$200.00} from XXXX XXXX that was opened in XXXX XXXX. I have written to the collection agency called Enhanced Recovery Co to ask for a debt validation. They never responded to my certified letter ( with return proof of delivery ). After several research, I pulled up a previous credit Report made in XXXX and noticed that another Credit Collection Agency called XXXX had put a similar XXXX XXXX XXXX balance/debt of {$200.00}, opened this time, in XXXX XXXX. The last time I used XXXX XXXX XXXX was in XXXX. I have every reason to believe that the Enhanced Recovery Co is negatively re-Aging my debt. I read from several sources that this technique was illegal. I also signed up a week ago to credit Karma to see updated info on my record and noticed that around XXXX XXXX ENHANCED RECOVERY CO put a note stating that I have filed a complaint that was resolved but they seem to have removed this note a few days later.
|
| 08/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I do not have a signed contract and or knowledge the company ERC which also goes by the name of Enhanced Recovery Company. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$1600.00}. It is against the law to collect on a debt that is not associated with the original collector and ERC has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to ERC
|
| 08/19/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was contacted by ERC to collect a debt for XXXX. I notified them that the amount that they were collecting was not what I owed. I agreed to pay a reduced amount so that this would not go on my credit report. Not only did they put it on my XXXX report after I paid, they are reporting that I owe a large amount of money. I have sent multiple certified letters to ERC concerning the information that they are reporting and I have documentation of each letter. I have asked them to verify the information that they are reporting and they have never responded. I know that they do not have the ability to verify the information because it is incorrect. Under the law I have the right to request verification for information being reported and I have not received anything from them within the specified time limits. Therefore, they are required by law to remove the information. I would like for this company to no longer contact me and to remove any and all false information from my XXXX report.
|
| 12/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
This company " ERC Collections '' has been harassing me in regards to some type of debt. When I originally tried calling back the experience would vary depending upon the phone number they called from. In most cases the phone just rang and rang or the phone would disconnect. Therefore, I wrote them off as just another group of scammers. However, now these people are calling me at WORK ... ..ALL DAY/EVERY DAY including calls to Human Resources and today they went directly to my boss. They told my boss " she has an outstanding debt but refuses to answer her phone ''. I am MORTIFIED ... .they ca n't do that can they??? In the past they have told HR that they have " papers to serve in a legal matter '' and that HR either has to " accept the served papers on my behalf or that HR will have to " force '' me to come to the front desk and be served. Last week my ex-husband, AND ex-mother in law received calls on my behalf and they stated it was a " legal '' matter. Please help!!!!!!!!!!!!!!
|
| 03/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Enhanced Recovery Co, reported address XXXX XXXX XXXX XXXX FL XXXX, phone # XXXX reported a debt owed of {$2400.00} from XXXX XXXX. I attempted to contact the number provided and it is not in service.
I have not had an XXXX account in over 7 years, and it was paid in full. I have never been contacted by XXXX or Enhanced Recovery Co regarding this debt. It suddenly appeared on my credit report in XX/XX/2020.
I attempted to contact the company with a number I located on XXXX search on XX/XX/XXXX at XXXXPST. I was told that I had to provide my entire social security number in order to pull up my file. I am not comfortable providing my social to a company who I have no idea their interest or intent. The company does NOT list an account or reference number on the file in order to discuss the account without giving my personal data I contacted XXXX on XX/XX/XXXX at XXXX PST and they advised via my social security number that I do not have any associated debt with their organization.
|
| 01/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Between XX/XX/XXXX to XX/XX/XXXX I moved to a townhome and the townhome was offering free cable, so I did not transfer my services with a company called XXXX XXXX XXXX. Between the time mentioned above I went in person to the XXXX XXXX XXXX on XXXX to turn in two cable boxes and 2 remotes. A female customer service employee took them and put them aside. Ask my name and said okay thank you. I left and thought nothing of it. I then saw that XXXX XXXX reported to the credit bureaus in XX/XX/XXXX that I owned them XXXX for services. I disputed the charges for 2 years until finally it was resolved and investigated in XX/XX/XXXX and XXXX XXXX removed it from my credit reports. It appears that XXXX XXXX sold the account or somehow maybe a mistake it was sent to a collection agency again and now they are saying again I owe XXXX. We took care of all this with the dispute in XX/XX/XXXX. Now it ' [ s coming out again and I do not owe this amount. I would like this off my credit report again.
|
| 10/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I phoned XXXX XXXX because the agency is reporting a charge off of {$73.00} that it is also being reported in duplicate by Enhanced Recovery. The representative with XXXX instructed me to call enhanced recovery, when I called enhanced recovery they denied that they were continuing to report it. I believe that this account is being reported in duplicate and that the agency is in advertently reporting it and that the account is too old to be continually reported.
Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account XXXX XXXX XXXX ERC XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 5 Years, 1 Months Credit Limit Not Reported Highest Balance {$73.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had a collection item placed on my consumer credit report that has caused a significant drop in my credit score. The third-party collector is Enhanced Recovery Company , LLC. Their address is XXXX XXXX XXXX, XXXX, FL XXXX. They are alleging a debt of {$140.00} to XXXX XXXX. I have no knowledge of this debt. I also have not received any correspondence from this collector in regard to this debt. I should be allowed at least 30 days to respond to a debt before it is assumed to be valid. I have not had the opportunity to acknowledge or deny this debt and for that reason, I am requesting immediate removal of this item from my consumer credit report.
There is a footnote on this collection item that I was recently impacted by a natural or declared disaster. I am not sure how that impacts this collection item, but that seems like it would be a reason to extend leniency instead of skipping steps and depriving a consumer of their rights under the FCRA. Thank you for your consideration.
|
| 07/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
There is an amount {$1600.00} that appears in my credit report with XXXX XXXX XXXXrom XXXX and XXXX which does not belong to me. I had disputed this already because in about XX/XX/2021 we disputed this I believe it was something with XXXX XXXX XXXX. We don't owe XXXX & XXXX anything. We have our account with them in good standings and it's under my wife 's name. This is afraid in my account. When we called the collection company the information they have is nothing to do with me. they had the wrong phone number, address everything, except they have my name and last name. Please help me solve this issue. Thank you very much.
XXXX XXXX XXXX Account Balance {$1600.00} Payment XXXX NameENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFL XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFL XXXX
|
| 11/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have previously told this company that the debt in the amount of {$130.00} is not mine and stems from fraudulently using my personal information. The company acknowledged my claim in the past but for some reason decided to once again place this amount of {$130.00} in my credit file/report at the credit bureaus. I have never had an account or did any type of business with XXXX XXXX. I have contacted Enhanced Recovery Company to inform it that this debt is not mine, however the company refused to pay me any attention or try to help me in this situation. Additionally, this company claims that I opened this account in XX/XX/2019. Not only is there inaccurate information, but this company directly contributes to the act of identity theft that was commuted against me by placing this debt in my credits file/report at the credit bureaus. It seems as though the company re-added this debt to my credit file/report in a sneaky manner and out of the blue, thinking that I would not notice.
|
| 03/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have been paying XXXX directly for my bill of {$400.00} and Enhanced Recovery Company is claiming to own my debt. I told XXXX the rep. from Enhanced Recovery Company who called me initially that XXXX have agreed to continue getting paid directly from me for the account and Enhanced Recovery Company can not put it on my credit reports as a debt owed to Enhanced Recovery Company and XXXX said I ca n't pay XXXX I have to pay Enhanced Recovery Company or they will take me to court and I would face criminal charges for this debt. Enhanced Recovery Company went ahead with putting the Debt collection on all XXXX credit reporting agency reports. I called several times and have been hung up on and told to pay them or else they would continue to trash my credit. My credit score have dropped to under XXXX and several of my creditors have closed my accounts due to Enhanced Recovery Company actions of falsely reporting this debt and also continue calling my cell phone and work phone daily
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Enhanced recovery company LLC sent me a mail regarding a debt that I owe from XXXX. I mailed a letter back ( USPS confirmation delivery : XXXX. ) Requesting information about their business, a copy of the last bill, their license, etc. They have not responded back to me. They have reported this debt to the credit bureaus. Nobody is giving me information yet they are expecting me to pay without being informed or them identifying themselves. For all that I know it can be a scam! I am still a XXXX customer and I still have the same phone number. It is astonishing that enhanced recovery company was able to reach me at the same address yet t mobile was n't even able to reach me or call me to explain the situation. XXXX effort to contact me was none at all. How am I suppose to pay a bill if I do not see the bill?
Note : I have already phone in to make a claim. Please attach this to existing claim. case # XXXX and # XXXX.
Note : Please see attached supporting document. It is dated!!
|
| 04/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received the response from Enhanced Recovery regarding my dispute. The company advised they stopped collection efforts ; however, the debt is still reporting to my credit. At no time have I received a fraud packet that is mentioned in the companies response. I hired an attorney and that packet was not received by my attorney when I originally disputed the debt. The attorney received copies of phone bills that DID NOT HAVE MY NAME. No contract has ever been made with XXXX in my name. I have never had a XXXX phone number or account. Again, when I called XXXX years ago they advised the file was NOT in my name and the social security number did not match mine. It wasn't until years later I discovered that XXXX changed the account name to match my name. The account continues to report to my XXXX credit Bureau report. I do not owe XXXX for a phone bill. the validation of this debt has not yet been received. Additionally, any original contract will prove the debt is not in my name.
|
| 10/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Amount they are claiming I owe XXXX : {$80.00} They have called my personal cell phone number from the number ( XXXX ) XXXX on the following dates and times : XX/XX/2018 at XXXX XX/XX/2018 at XXXX XX/XX/2018 at XXXX They also used the following number on XX/XX/2018 at XXXX : ( XXXX ) XXXX I have received multiple collections letters in the mail claiming to be coupons and other misleading things from this company.
On XX/XX/2018 this company called my girlfriend on her personal cell phone number at XXXX from the number XXXX XXXX XXXX XXXX.
They also called her number on XX/XX/2018 at XXXX from phone number XXXX XXXX XXXX XXXX When answered the calls are completely silent. Upon calling them back it's revealed that its this collection agency.
This debt is originally owed to XXXX from a no contract phone service. They keep reporting to my credit as a recent debt to keep collecting. I've checked my credit reports and their claim keeps getting updated as if I just acquired it.
|
| 01/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had XXXX service bundled with XXXX phone service. When I canceled my account with XXXX they said I owed {$38.00} still for XXXX portion. I initially disputed this as I had paid my XXXX bill separately. XXXX said matter was resolved.
Many months later, I received harassing phone calls and letters from XXXX XXXX XXXX regarding this supposed debt. In order to get rid of them, I paid {$38.00} to XXXX XXXX XXXX again, and was told that matter was finally resolved.
Recently, I have been receiving harassing phone calls from ERC regarding this same 'debt ' that I have already paid twice.
XXXX is harassing me and trying to extort money from me for a debt that has been paid twice. XXXX and ERC are threatening my credit unless I pay them this {$38.00} again. This is harassment and extortion and I want XXXX and their practices investigated. Even after I pay the collection agency of the month, XXXX finds another willing partner to attempt to extort money already paid. Please help.
|
| 11/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 08/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. " FCRA requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information ''
|
| 06/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
During a conversation with Enhanced Recovery they demanded immediate payment of the alleged debt without informing me of right to dispute the debt, even though I had disputed it, according to the unlawful debt collection and validating.
The debt collector threatened to garnish my wages if I did not pay the debt. The debt collector informed me that the company would seek alternative ways to have the alleged debt paid if I did not pay, something I interpreted to mean the company would sue me.
Despite requests that Enhanced Recovery cease calling, the agency continued to pursue after me, using an autodialer system to place repeated collection calls.
I never provided my cell phone number or consent to be contacted by Enhanced Recovery.
The calls were intended to unjustly condemn and vilify me for non-payment of the debt I allegedly owe, and to produce an unpleasant and/or hostile situation between my family and I. This company has caused my family and I mental distress.
|
| 01/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
When I started working on my credit in XX/XX/XXXX I had a debt listed on my report from a company called XXXX for a XXXX bill in the amount of XXXX. I disputed this debt as it did not belong to me and was listed under a name I had never gone by, XXXX XXXX ( my maiden last name is XXXX ). XXXX was unable to verify this debt and it was eventually removed from my credit report. on XX/XX/XXXX I received a credit notification that I had a collection added to my report. The debt was from XXXX XXXX XXXX for this XXXX bill that I mentioned above. The issue here is 1 ) I never received anything in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation or dispute this debt. 2 ) I was not notified by either XXXX or XXXX regarding this debt being reinserted into my credit file, therefore it was illegally reinserted. I disputed this debt with XXXX and XXXX already and both came back verified as accurate. This debt does not belong to me.
|
| 04/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On Friday, XX/XX/2017 I just received in the U.S. mail my annual " FREE '' copy of my " XXXX '' per my Due Process rights under the " Federal Fair Credit Act. '' Under the " Collection Agency Information '' there is a false collection debt entry by a " ERC ; XXXX, Florida ; XXXX ; ( XXXX ) XXXX. '' It also falsely noted : " Collection Reported XXXX '' for " XXXX '' for " $ XXXX. '' NOTE : This is the 3rd time that this " ERC '' collection agency has unlawfully noted this false debt collection onto my " XXXX '' without ever having contacted me in the last 2 years. I called them up on their toll free number ( XXXX ) XXXX and politely explained the facts. Their only telephonic response was " Pay the XXXX the {$760.00}, XXXX and we 'll delete it off your XXXX credit file. '' I explained to them again that I 've had " XXXX '' for over XXXX consecutive years and NEVER XXXX That this debt is NOT mine and that I 'm a victim of Identity Theft. '' They then just rudely hung up on me.
|
| 07/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX, Enhanced Recovery Company reported a collections debt to the credit bureaus in the amount of {$330.00}. I have not received one letter, one phone call, one voicemail, or one email from this company. I have not been given the chance to rectify this situation before they just reported this to the credit bureaus. I looked at my credit report and it says the original debt was for XXXX XXXX XXXX. I returned my XXXX XXXX XXXX equipment in XX/XX/XXXX and when I did that, I also checked my balance on the account which showed XXXX at that time. When I called to verify with XXXX XXXX XXXX, they said there was no balance so I am not sure what this balance is for. So between XXXX of XXXX and XX/XX/XXXX when Enhanced Recovery reported this collections account as being opened, I have this {$330.00} balance and was never given any option to remedy this situation from either company. XXXX XXXX XXXX reported my balance on my account as XXXX but ERC is saying I owe {$330.00}.
|
| 06/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 07/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was denied credit and I pulled my credit reports to find that I had 3 accounts in collections that appeared to be identity theft. I filed an identity theft claim and immediately began contacting the 3 collection agencies. The first two did not give me any run around regarding the affidavits however, Enhanced Recovery ( ERC XXXX first told me my wife that they would be deleting the account but on the XXXX of XXXX, my wife contacted them to get their affidavit sent again. She spoke with XXXX XXXX and he said the account would not be deleted and that she would have to file the affidavit. It is now the XXXX of XXXX and still no affidavit. My financial counselor called ERCand spoke with XXXX XXXX and he refused to send the affidavit out via email or fax. He said he would resend the affidavit via mail.
I am trying to purchase a home and this incorrect collection account is standing in the way.
The ERC account number is XXXX. The original lender is XXXX XXXX number of XXXX.
|
| 03/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I found a collection on XXXX of my credit reports. I asked the credit agency to verify the information and they said they did. It is a XXXX bill outstanding from an account opened in 2009 in a city I did n't live in, with a different last name than mine as well as a different SS number. I called XXXX and asked them use my name and SS and they did n't have any records of any accounts or outstanding bills. Into the picture comes Enhanced Recovery Company ( ERC ). They have been VERY difficult to work with. I 've repeatedly called them and was told to send in by email and mail documents ( drivers license, SS # and copy of credit report ). I 've done all of the above to no avail. I can not get any response or action on their part. Every time I call I am passed on to a " manager '' who still can not help me or find any of my information that I provided at their request. I have read so many terrible reviews of ERC that I 've decided to go down this path for some help. Thank you.
|
| 11/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After numerous efforts to correct the amount owed with XXXX ( XXXX XXXX XXXX ) for the amount owed for services after canceling internet, there was not an agreed amount to close the account. XXXX continued to send billing statements for an amount that was not considerate of their own delays in canceling services when first requested and is detailed in a FTC complaint filed awaiting response. Enhanced Recovery Company ( ERC ) has since proceeded to demand further amounts above XXXX fees. On XX/XX/20 I had called XXXX XXXX to discuss the matter from which they could not resolve but did proceed to file the credit impacts to my scores from which should not occur due to the circumstances leading into this event. The representative did not even discuss options nor try to resolve the issue. These credit impacts need to be reversed immediately until XXXX ( XXXX XXXX XXXX ) corrects fees attributed to their poor customer service and delays in responding to cancellation activities
|
| 10/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I previously requested validation of debt from ERC reference number XXXX. On XX/XX/2022 ERC sent me XXXX ( XXXX ) old XXXX XXXX XXXX statement for validation. ERC failed to validate such debt with said statement. I have a right to know their method of verification. By law they have 15 days to tell me their method of verification. I believe they gave me an automatic computer generated response, and that they broke the law because there was no investigation and their conclusion is not factually based. I need to know the method of verification and see the audit trail as well as the flow.
ERC did not insure that this information was accurate upon re-investigation pursuant to 1681 ( a ) ( 4 ) where congress says they must not be unfair, but impartial and respect my right to privacy. They never asked me if this was my debt, if this transaction ever even took place ; they just took the side of XXXX XXXX XXXX without reasonable procedures fair and equitable to me, the consumer.
|
| 07/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The collection agency mailed a collection notice on XX/XX/2018 to an address that I no longer reside. I did not receive the letter until 2 months after it was mailed because I have not resided at that address for more than 2 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2018. On XX/XX/2018, I received a letter from the CA in response to my request for debt validation. The company sent a copy of a bill that included my name, previous address, and dates during which I was not living at that address or in that state. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. Much of my personal information was leaked in the recent XXXX and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently.
|
| 07/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was awakened early this morning, around 7 a m by a representative of ERC Collections. It was an attempt to collect a dept for my father in law who has recently passed away. They have already called my wife previously and been told to cease and desist. My phone number has never been listed on any of his medical documents. The company in question has gone through the extent of doing a background check on my mother in law to find any phone records with numbers associated with her name. That is how they obtained my number. I have since informed them to cease and desist their activities or else I will be taking further legal action. I also asked for their XXXX XXXX business license number to solicit calls for debt collection and they refused to provide me with a valid license number. This company is based in XXXX Florida When I asked them for proof of the original debt in writing they could not do that either. They do not possess licensing fo XXXX XXXX XXXX .
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2021 I file an FTC identity fraud report for a company name XXXX XXXX XXXX, who said they were acting on behalf of XXXX, and Ii never have an account with XXXX and I kept disputing the account and nothing was ever being done for 6 years of disputing this item on my credit report with the account number XXXX.
On XX/XX/2021, XXXX and XXXX deleted the account from my credit report after the new investigation.
On XX/XX/2021, I check my credit file for any inaccuracies and unauthorized inquiries I find the same account appeared on my credit report again for the same amount of {$1100.00} under a different collection name XXXX XXXX XXXX.
Additionally, another account that I paid and original creditor XXXX XXXX XXXX of XXXX removed the file on my credit report appeared again under the same XXXX / XXXX XXXX XXXX account # XXXX which was the collection company I paid back in XX/XX/2021.
I need an investigation into these two company that are trying to defrauding me.
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I saw a collection balance on my credit report. I called collection agency. No one wanted to help me as the collection amount was inaccurate. I asked the collection agency to very the correct amount with the phone company, they refused to follow protocol. They sent me back to XXXX to dispute. When I call XXXX, all of the representatives did not want to help me. They said account was over 4 years ago. They did not want to send me any billing statements to prove the amount they are asking for. Instead, I was transferred to many departments, hung up on, and outside of country representatives that did not care to help me resolve this balance. I even told the representative that I received a final letter that states if I did not pay {$590.00} within 7 days, that balance will be sent to collections. Please explain how a final bill of {$590.00} turn to {$1300.00}? I explained I will only pay {$590.00} as stated on my final bill. They said I need to pay {$1300.00}. I need help.
|
| 03/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
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Web |
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The company called ERC - Enhanced Resource Center - calls me several times a week asking for someone named XXXX XXXX. I don't know who that is. Maybe he had my phone number before I got it last XXXX of 2019. I keep explaining to them that I am not XXXX XXXX and that I don't know anyone by that name, but they keep calling me. They have even given me XXXX XXXX XXXX account info - reference number XXXX - which seems really messed up as I am not XXXX XXXX. I have asked them each time they have called to please take me off of their list, and I have reported this company to the FTC as I am on the Do Not Call registry and to the XXXX as I don't think companies should be allowed to treat random innocent people like this. The harassing calls keep coming and there seems to be no way for me to get them to stop. I am not XXXX XXXX. I don't owe a dime of debt to anyone ( never have in my life ). I don't know why I am being harassed by these people. I just want them to please stop.
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| 11/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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A personal loan, and credit card, and a XXXX XXXX account were fraudulently opened on my behalf with in XXXX XXXX, Co. I have never resided or was stationed in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management.
The following accounts were open : XXXX XXXX XXXX XXXX Personal Loan : - $ XXXX- currently charged off.
Credit Card : - $ XXXX- currently charged off.
XXXX XXXX ( XXXX XXXX XXXX ) : - {$120.00} - currently collections I have requested information regarding these accounts from XXXX, and to no avail.
XXXX XXXX has sent me a fraud account letter which I have completed and returned back to XXXX XXXX XX/XX/XXXX.
I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.
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| 10/02/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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ERC has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX I had XXXX and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX I had already with my XXXX XXXX. Please remove this debt and stop calling me.
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| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Enhanced Recovery Company had contacted me numerous times indicating they were acting on behalf of XXXX in an attempt to collect an outstanding account balance. However, as I repeatedly told them I have NEVER had a XXXX account. My phone service has always been by a different provider. In addition, my phone for the past 15 years has been supplied by my employer with service through another provider.
Despite my repeated explanations, today my XXXX Credit report showed a major decline ( 92 points ) because Enhanced Recovery Company apparently did not inform XXXX that I had disputed this account. I have spoken today with both a representative of Enhanced Recovery Company and XXXX to inform them of the error and requesting that it be registered as disputed if not removed.from the report. The twoother credit reporting agencies do not show any such information.
I believe Enhanced Recovery Company and XXXX both acted in bad faith in this situation, to my personal detriment.
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| 01/29/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hi today is XX/XX/2022 and I received a notice from my credit report stating I have a new open account. I called the company and explained to them that, that was not my account. I had no clue what it was about they explained to me and they asked for me to provide my information to pull up the account but they could only pull it up with my name. The social security number they had on file didnt even match my social security number. Now they said they will flag that account as it isnt mine. I asked if they can remove it they said they cant. I tried my best to see if they would be able to provide me with an email at least stating its incorrect and they said they cant. Im in the process of closing for my first home and this may really affect me now. I currently dont owe any debt to anyone so now this popped up on my credit report. My credit will be ran again the day before closing and this one huge mistake will make me lose the house Ive been working so hard on purchasing.
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| 10/06/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020 at XXXX XXXX. I received a text message looking for a " XXXX XXXX. '' I have been pestered by these kind of calls and texts before, the last time from a company called ERC, who promised to take my phone number off their records. I don't know a XXXX XXXX, and I have had my phone number since the late XXXX. Apparently someone by that name, and a " XXXX XXXX '' have used my phone number fraudulently. I have explained this to a number of debt collectors, including ERC, XXXX XXXX XXXX, XXXX XXXX as well as XXXX XXXX. They use various rotating phone numbers to call me or text me, looking for " XXXX XXXX '' and/or " XXXX XXXX. '' I have attached the letter I received from ERC as well as an image of the text that came today from phone number XXXX. They want me to call XXXX, file number XXXX, requesting XXXX XXXX ' immediate response. The phone number beginning with XXXX also called and left message XX/XX/2020 and I filed a complaint with the FTC on that occasion.
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| 11/05/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Approximately 3 years ago I had been a customer with XXXX XXXX for 8 years, I called as my service was not working, after a month of jumping through hoops I called again, they said to get a new modem, I spent {$400.00} on various modems within a few months. I finally had enough and called to cancel my internet service. They stated I was in a contract with them, and would have to pay and early termination fee. I stated I have been a customer for 8 years, how am I still in a contract. They stated when I purchased the new modem through them, that I was in a new contract with them. I stated I did not agree to that, and will not pay it. Since then I have had various debt collectors mail me stuff, call and harass me. However, today really upset me as they called my work to collect a debt that is from 3 years ago and in my opinion not a valid debt. I stated, quit calling me, take me to court if you must or whatever your threats are, but stop calling me. I ended up hanging up.
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| 06/03/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have an unverified account from Enhanced Recovery. I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Enhanced Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 04/09/2017 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 08/07/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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2017 debt owed to XXXX XXXX XXXX XXXX ( acct # XXXX ) of {$1000.00}. Went to collection with XXXX ( acct # XXXX, ref # XXXX ). They offered a settlement of {$810.00} which I paid XX/XX/2017 ( confirmation of payment # XXXX ). I have been getting periodic letters of collection for {$200.00}, the amount that was forgiven with the settlement ( XXXX ). I have received periodic letters of collection for {$200.00} over the last 3 yrs. On XXXX I spoke with XXXX XXXX. After 90 min on the telephone they confirmed that I did not have an open account with them and that they received the payment from XXXX on XX/XX/2017. XXXX XXXX XXXX also told me that they could do nothing to resolve the acct because it is closed and that I would have to call XXXX to resolve. I have called XXXX numerous times only to get a recorded message. ( Good luck to me its is a pandemic ) My latest collection is from ERC for {$20000.00} ( XXXX XXXX XXXX XXXX acct # XXXX, ref # XXXX ) Frustrated and angry!!
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| 09/17/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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ERC sent me a letter on XX/XX/23 claiming I owe {$620.00} to XXXX XXXX XXXX. I don't have an account with XXXX XXXX XXXX and never have, and I've confirmed this with them. XXXX XXXX XXXX agrees I don't owe anything.
ERC tried this same illegal scam tactic on me a few years back, claiming I owed thousands to another company I've never had dealings with.
I've reached out to ERC before to ask them to stop. I've also asked them to provide proof of the debts. They've given me XXXX information. All they do is harass me on my phone XXXX hours a day, send letters, and try to attack my credit score. Each time, I contest it -- and they have to stop. But then it starts up again a few months later with a new company.
ERC is running an illegal scam operation. They are lying, engaging in illegal communications practices, and trying to collect on obviously fake debts.
I'd like ERC to cease all contact with me and cease all attempts at collecting this fictitious " debt. ''
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| 11/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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ERC hounded me for months for account that was n't mine. It was XXXX account that nobody can provide me with any information on! Account number belonged to someone else! XXXX said it was someone elses XXXX account. ERC hounded me {$48.00} and reported me to XXXX! I paid ERC {$62.00} in XX/XX/XXXX they agreed to remove it from my Credit report!! Now XX/XX/XXXX and it 's not removed! Called them again and they say Sorry that I have to wait another 45 days to remove it! It 's been paid for in full plus Since XXXX! This account was n't even mine.Can you please help me? How can they do this? They agreed to remove the whole thing! It was n't my bill! But easier to pay it than try to fight it. HELP!!! Thanks Its ERC out of XXXX Florida.Im a XXXX . This is my reputation on the line I Pay all my bills! and this {$48.00} collection account is ruining more than my Credit! Been fighting this for years and PAID it just to get it Off my Credit report!!! HELP how can they do this?
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| 06/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Identity theft protection or other monitoring services
- Didn't receive services that were advertised
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Web |
Servicemember |
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Three companies are involved : 1. XXXX XXXX XXXX in XXXX.
2. XXXX XXXX who took over for the last owners of XXXX XXXX XXXX XXXX they had been XXXX XXXX. I don't or never have had service with XXXX XXXX and XXXX XXXX XXXX account was closed in 2014. It ia no way they will except closure now because I have loved at XXXX XXXX XXXX in XXXX or XXXX XXXX since 2014. The accoint was requested closed but they never showed up to get in with me. If some used the account afterwards its because they could get in on their own account not a collection to me.
They are claiming that I am using a cable box that don't exist.
3. I have internet service through XXXX XXXX XXXX My bill with XXXX XXXXXXXX XXXX. WAS ONLY {$50.00} a month so where is this {$520.00} coming from. My this month bill is paid. And O am not supposed to be paying cable for XXXX if I say something to the owner suppose they stop allowing it. I need to know if they are going to correct this error.
XXXX XXXX XXXX
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| 05/14/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
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| 11/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Within the last week I contacted ERC to pay the my debt and ask for a letter of deletion. I was told that they were not able to give me a letter and to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and spoke to a man to pay my debt and he said he would be able to give me a letter of deletion so I paid the debt and after that I was transferred to another person. They said I would be able to get a letter from an XXXX XXXX XXXX store, so I went there and was told Im not able to get a letter. So I called back to XXXX XXXX XXXX and was told I need to contact ERC, because they sold the debt to them and XXXX XXXX XXXX does not deal with creditors. So I called ERC back and they told be XXXX XXXX XXXX should send me a letter since I paid them, and ERC will only give me a statement saying my debt was paid. Called XXXX XXXX XXXX and asked to speak with a supervisor and was told they do not have a direct line to a supervisor and could not give me a phone number to call.
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| 10/29/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
Servicemember |
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On XX/XX/XXXX, I XXXX XXXX XXXX tried to get a loan, was told that ERC, a collections company had placed a new negative item on my credit, Fraud and Identity Theft. I attempted to contact ERC twice, I was informed by ERC that this was XXXX ( phone company ) and it was a bill. They just placed this on my credit, the bill was from XX/XX/XXXX, 4 years ago. I have never been with XXXX. ERC had my personal information that is public knowledge. However, they could not provide any proof or evidence that I ever was with XXXX. This is fraud and identity theft. They stole my information and then attempted to get money from me illegally. There is no evidence, because I never had anything to do with XXXX. When I spoke with ERC twice, I talked with there supervisor, she twice transferred the call and the call went dead. ERC there phone number is : XXXX. The amount in question : XXXX. Please assist. Thank you. This negative information 4 years ago, that is fraud is hurting me.
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| 07/09/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency XXXX XXXX back in XX/XX/XXXXand then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$32.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXXeE ERC {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.
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| 12/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been fighting the have the erroneous debt attached to my credit report removed for years. In an attempt to comply with the consumer protections laid out in the FCRA I sent multiple communications to XXXX XXXX XXXX requesting the alleged debt be validated or removed from my file. Specifically : On XX/XX/XXXX17 ERC Reports to collection agencies a collection for XXXX in the amount of XXXX On XX/XX/XXXX17 I send ERC a Debt Verification Letter requesting a response within 30 days - On XX/XX/XXXX17 Debt validation letter was recorded as delivered and received by the USPS and on XX/XX/XXXX2017 I sent a Failure to Comply Letter, requesting the account be removed.
- On XX/XX/17 I received a " notice of rights '' letter, that stated, " Your account has been placed in a hold status and that collection efforts have ceased at this time.
- On XX/XX//17 I sent a final request to have the account removed from my profile, as it was still being erroneously reported.
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| 10/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2018 I sent a request to XXXX asking them to verify the account being reported on my report by XXXX XXXX XXXX XXXX for XXXX in the amount of XXXX. I asked for copies of documents. They responded within 30 days without documentation saying that the account had been verified. I sent a second request on XX/XX/2018 asking for a demand for validation with documentation. On XX/XX/2018 I received notice from XXXX that the company that reported the information has certified with XXXX that the information is accurate. ERC was sent a letter requesting validation and documentation on XX/XX/XXXX, as I believe the reporting is in error. On XX/XX/2018 I received a XXXX bill from them. One in the amount of {$1000.00} and another for XXXX. This does not prove the account is mine. I am asking for original documentation or contract that validates the account being mine, as I believe this account is being reported in error and negatively impacting my credit worthiness.
|
| 01/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I was denied a loan due to an erroneous collection on my credit report. My bank informed me of a XXXX collections on my credit report from Enhanced Recovery from Direct TV in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a home loan. I want this taken care! I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!! YOU ARE XXXX COLLECTION AGENCY TRYING TO COLLECT A DEBT THAT HAS BEEN TAKEN CARE OFF YEARS AGO! THIS DEBT WAS PAID THROUGH CENTURY LINK AS A BUNDLE!!! REMOVE THIS OFF MY CREDIT.
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| 02/23/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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After viewing a copy of my credit report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX in XX/XX/2018 in the amount of {$1000.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Texas to collect on this debt. Secondly, XXXX XXXX XXXX violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to XXXX XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1000.00}.
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| 12/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Enhanced Recovery Co. is attempting to collect on an alleged debt for '' XXXX XXXX '' balance due {$500.00} A debt that I am not aware of, I NEVER received any written notification from them regarding this debt nor have I ever received a phone call, however, without validation of this debt, they place this derogatory information on my credit report.
Pursuant to the Fair Credit Reporting Act the Fair Debt Collections Practices Act and the Fair Credit Billing Act, this company is in violation of one or more laws. South Carolina Courts have held verification requires reasonable investigation into the facts. This was not the case here. I was not giving my legal right to dispute this alleged debt. Is this an account that has possibly reached the statute of limitation an has been re-aged in an attempt to collect?
I have never had an account with 11 XXXX XXXX and they have no proof as such account is valid. Yet they have reported this as if it has been validated
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| 02/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I am a victim of Identity theft/fraud.
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account.
documents submitted to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives.
This account must be removed immediately, as it is in clear violation of the FCRA.
|
| 12/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I received a letter from this company ERC stating that I have an option to pay in three payments. The letter does not state that it is a settlement. I have never doe business with this company. This bill is not correct. I have already discussed with XXXX XXXX XXXX that the balance is in accurate. They have a rep that no longer works there who added features and lines of service that I did not ask for. When I would go to the store to get the issue resolved, he said he would handle it and not to worry about my bill. Every month bill seemed to get higher and higher. Another rep promised me that they would resolve the mistakes because the previous rep was fired. That never happened so I canceled my services. I promised to pay the disconnect fees of {$800.00} totaling 4 lines. A week later I received a bill for XXXX. This has also happened to my elderly father after he had a XXXX XXXX and his bill is higher that this. The company is running an unethical business.
|
| 08/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
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On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to Enhanced Recovery Company , LLC, XXXX. XXXX XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The first payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, ERC called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.
|
| 07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Attention Enhanced Recovery Company, This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting account to my credit file that are legally incorrect and fraudulent, This account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. My lawyer has also contacted the XXXX XXXX XXXX on my behalf, and filed a complaint against your company.
Remove the fraudulent account for {$970.00}
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| 11/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
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When called to verify, they could n't give me much information other then a phone number to XXXX, which I called and they had no idea what I was talking about, but I am trying to get a home loan so I caved in and called and agreed to settle, They Agreed to delete the collection, I was forced to pay this, even though I do not believe the debt to be true. I am still with XXXX, and never had a late balance. They have not deleted the collection, and have just updated the balance to {$0.00}, ignoring my disputes with the bureaus. They have removed this off of my XXXX report, but it is still showing with XXXX and XXXX. Also they are reporting as they are the original creditor, when in fact they are just a debt buyer. Which is illegal. I was also never notified of any debt by mail or phone before it was posted to my credit report, and not given any chance to verify the debt. Please remove this from my credit history.I really do not want to have to get an attorney.
|
| 03/26/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XXXX I was using XXXX XXXX XXXX as my internet provider. I repetaly lost service for days and weeks at a time. After many phone calls I was sent to a XXXX XXXX XXXX retention person that offered me a reduced rate for the duration of my service with them. In XXXX my bill significantly increased by over 30 %. I called yet again but was told that the rate the gave me was expired. I asked them to stand by the verbal ( recorded ) offer or cancel my service, they canceled. I later received a bill for over {$250.00} for canceling, late charges and the bill at inflated rate. This debt was sold to a collection agency that constantly contacted me to the point of abuse. I offered {$100.00} to settle and have them remove from my credit but the yelled at me and declined. The debt has know been sold to the third credit company and has negatively effected my credit yet again. I would like this removed without the chance of been submitted to another collection company.
|
| 12/27/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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XXXX and Enhanced Recovery. I was a XXXX customer for years while living in XXXX. In XXXX, I moved to XXXX and the phone service basically did not work. For 6 months I complained to the company about the dropped calls and no service and there was nothing they did. I kept asking to be let out of the contract so I can get a different phone company because their service did not work well or sometime NOT AT ALL in XXXX at that time. XXXX breached the contract because they did not provide the service I was paying for. I stopped paying for the service because I was not getting any service. They should not be able to charge me for service they could not provide. I was not going to continue to pay for service that I was not receiving. This was in XXXX and this year, their collection agency re-put this on my credit. XXXX would not remove this from my report. This is not fair that a company can keep putting a claim on my account when they are the cause of the cost.
|
| 09/15/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I closed my account with XXXX at their store in the XXXX XXXX in XXXX New Jersey. I paid a total of {$160.00} at the counter, in order to settle any outstanding bill.
XXXX then sent me a bill of about {$160.00} They placed the amount with a company called 1. Enhanced Recovery Co XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection Agencies Website 2. Enhanced Recovery Company - CLOSED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX - As you can see, they pop up and then close and then pop up again. They reported a negative mark on my credit report for {$100.00}. In my opinion they are holding my information hostage against me paying them an amount they will share with XXXX. I think this scam is disgusting as I have the receipt from the bill I paid at the counter ( repeating above ) at the XXXX store.
I have my charge receipt from XXXX, and want them to stop this OUTRAGEOUS practice of collecting an " extra month '' for no reason but to line their own pockets.
|
| 11/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.
|
| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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In XXXX XXXX added a collection to my credit report and it was removed in XXXX due to fraud and it was off my account from then until XXXX. In XXXX, Enhanced Recovery Co. added it back to my credit report AND illegally re-aged the account stating it is a NEW collection with a " date opened '' as XX/XX/XXXX which even if this was mine, is WRONG.
I disputed online with the credit bureaus and was told it was verified. It obviously wasn't.
I called and requested to dispute again and was allowed to submit documents so I sent them a copy of an actual page from a XXXX credit report that shows this XXXX account with this same amount due. I also sent a FICO report that was pulled by a mortgage company in XX/XX/XXXX that shows this collection was NOT on my report at the time.
They STILL came back and told me it was verified! It appeared they tried to change the date to XXXX on one of the reports but they still didn't even have the dates correct.
Thank you
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit.
XXXX XXXX XXXX Payment Plan XXXX {$14000.00} XXXX XXXX XXXX Payment Plan XXXX {$62000.00} XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX {$2800.00} Erc Balance {$940.00} COLLECTIONS XXXX XXXX Balance {$320.00} COLLECTIONS XXXX XXXX XXXX Payment Plan XXXX {$6300.00} Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : FiledReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXX : Chapter XXXX BankruptcyStatus : DismissedReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX
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| 04/16/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was called by a calling house that wants me to identify my self and record my information and my voice. They have my name, address, and last 4 of my social security correct. I have tried to talk to supervisors in their companies with out success. One company name is ERC. The number that showed on my phone today was XXXX XXXX XXXX XXXX XXXX which identified as XXXX, WI. This call was today at XXXX XXXX Yesterday the call came from XXXX ( XXXX XXXX XXXX at XXXX XXXX and it showed origin on my phone as XXXX, NC. I have asked repeatedly to talk to supervisors and get nothing. I asked for their location and they say they are ERC in XXXX, XXXX. I ask for a # to call them and they give the # XXXX. I am pretty sure it is the same people that called me on XX/XX/XXXX, at about XXXX XXXX XXXX, # shown on my phone as XXXX ( XXXX ) XXXX and I called them back repeatedly to ask them the reason for their call.
Thank you, for any help you can give in this matter.
|
| 09/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This dispute is in response to mailed correspondence from your firm to collect a debt that I contend was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX / ERC is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I require verifiable proof ( an original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX XXXX / ERC cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper verification would negatively impact my ability to obtain credit and my next course of action will be litigation. If verification is not received within 30 days of this dispute under FCRA, unverified account reporting must be remove from all of my credit reporting agency reports.
|
| 05/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
InAccurate Reporting to the credit bureau. I have mail letters to this company about their reporting to the credit bureau about an account that's not mine.
First off the Address is not my I HAVE NEVER EVER HAD THIS P.O.BOX ADDRESS that is in there letter. That they finally sent me as verification. The FCRA stated that If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. And as we all know if you apply for something on credit you have to sign for it. It can be a credit card, cell phone, house, car. so I am asking where is the sign Document with my signature. NEVER GOT THAT DOCUMENT. This is the fourth letter that I have sent this company about this matter. So Can You Please Help me get this inaccurate information removed from my credit report. Also, the rep from ERC said that they don't care if I contract you will not doing anything anyway to help me. Because ERC is above you and your laws.
|
| 06/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
CFPB Complaint Number XXXX I had an account with XXXX for phone service. Coverage was terrible, as I travel around the country as a delivery driver. So, we discontinued our service with XXXX and went to another cell phone company. My spouse was making monthly payments towards the debt. When we purchased a home a blemish was reported on our credit report of an outstanding balance owed to XXXX. The spouse paid this amount and a little over a year later another collection agency tried to collect a higher amount owed to XXXX from us. I have a letter from the XXXX collection agency stating the amount was collected, but they had failed to forward this information to XXXX during a phone call with them. I have attempted to get copies of all statements from XXXX for a time period from XXXX XXXX through present date while on the phone with a representative. That has failed. I am mailing a letter to Customer Relations requesting the statements on XXXX XXXX, XXXX.
|
| 05/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This was an invalid charge from XXXX years ago. I have never had any agreement or contract with XXXX XXXX. The basis of this dispute is that I just pulled a credit report. I received no notices by mail, email or phone. I had sent substantial amounts of documentation several years ago when this XXXX came up which proves the debt invalid which I still have available. XXXX, XXXX and XXXX have all received this documentation and only XXXX does not report this new collection but old account now. My XXXX Score is XXXX and XXXX now at XXXX which should demonstrate the kind of damage this kind of wreckless credit reporting can cause someone.
The subsequent attachment is from XXXX and the initial issue at the time was I was sold internet with a TV package " add on '' and later told I could not receive internet. There was also a XXXX day cancellation policy with XXXX, but they have been hounding me for years on a contract I never had and never used with XXXX.
|
| 05/22/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX, I contacted the Debt Collection Company by the name of ERC located XXXX XXXX XXXX, XXXX, FL XXXX, Acct # XXXX, asking that they send me verification of the debt that I supposedly owe for XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}, that 's appearing on the Credit Files. I stated that I do not recall the account, because I was believe I was XXXX at the time this account was open in XX/XX/XXXX, and would like verification of this amount, along with documents to support my signature of the Debt. As of XX/XX/XXXX, ERC has not responded. I also disputed the entry with the Credit Bureaus, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been verified as accurate. When I contacted the Credit Bureaus by phone, and asked what information the company provided as verification ( such as contract with signature, name and bill or etc ) and was told I need to contact the creditor. Thank you XXXX XXXX XXXX
|
| 01/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was in the process of disputing an incorrect balance, {$400.00} with XXXX due to them misplacing equipment that was turned in after I canceled service with them. In the process I was turned over a collection company, Enhanced Recovery Company ( ERC ) and they placed the account with all XXXX credit bureaus. After tracking down the equipment, my balance was corrected, {$110.00} and paid in full. XXXX was suppose to send me a letter/statement as proof of the balance of my final bill and paid in full status so I can send to the Credit Bureaus and ERC to have this account removed/deleted entirely from my credit report but I have not yet received it. However, the balance has been updated with the XXXX credit bureaus as {$0.00} but it should not even be on any of my XXXX credit reports. If you would so kindly assist in this matter. It is negatively affecting my credit scores greatly. Payment confirmation number is XXXX paid with XXXX Rep. XXXX. Thank you
|
| 08/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Enhanced Recovery Corporation, XXXX, FL XXXX. XXXX XXXX XXXX debt for early cancellation fee.
XXXX promised cell phone coverage at my home address. I had no cell phone signal at my home address and could not make or receive calls. After 2 years of complaining to tech support no resolution was found. I switched to XXXX after seeing a friends phone was fully operational at my home. This was explained to XXXX and they still refused to let me out of my contract. I decided to cancel my XXXX cell phone service for breach of contract to provide cell phone service to a location within the service area as shown to me on the XXXX map at time of purchase. The above was mailed to the initial debt collection agency who did not respond. I still receive a daily phone call from Enhanced Recovery via a recorded message in an attempt to collect XXXX early cancellation fee invoiced in XXXX 2010. All other monthly charges were paid in full except the cancellation fee.
|
| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
ERC XXXX. XXXX XXXX XXXX, FL XXXX XXXX : Account # XXXX ERC failed to respond to my credit dispute letter that I sent via certified mail on XX/XX/2021, U.S. Postal Service tracking number XXXX.
I am attaching a copy of the dispute letter that I sent via certified mail asking ERC to verify the accuracy or remove the unverified accounts listed below. According to the USPS ERC received my dispute letter on XX/XX/2021.
In failing to respond to my dispute letter, and failing to verify that these accounts belong to me before the end of the 30-day period beginning on the date that ERC received my dispute letter. Under 15 U.S.C. 1681i, of the FCRA all unverified accounts must be promptly deleted from my credit file. The files listed below are inaccurate and unverified and I am requesting that you delete all of them from my credit report immediately.
I demand the following accounts be removed immediately.
Name of Account : Account Number : ERC XXXX
|
| 05/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have a a unverified account from ERC # XXXX . I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C .1692 g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In late XXXX after a move to a different state, was contacted by ERC of FL, by phone and mail, stating that I owed over a XXXX dollars to XXXX XXXX XXXX XXXX. This debt ( as verified by XXXX/XXXX did not exist ). Again in late XXXX, was contacted by phone and letter that I owed over {$1000.00} to XXXX XXXX XXXX, XXXX. I verified 3 times, checking even with my SS number, in case it was stolen. This debt never existed. In phone conversations, the caller from ERC would give addresses from former houses, with the right street, but wrong house number ( which I did not verify ), and birth years to verify that were outrageous. I filed a complaint with the XXXX of FL and received a reply from ERC, saying that I would be taken off their call list, since I disputed the claim. In my opinion, this company has committed wire fraud and mail fraud. I can only image the number of older people who have, without question, paid a debt to satisfy a fraudulent claim.
|
| 09/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My complaint is in regards to an erroneous collections account with Enhanced Recovery opened against me by XXXX in 2015.
I never received notification of the collection account being opened, and when learning of it ~8 weeks ago after having my credit pulled for a home loan I contacted XXXX Support. They discovered the account was opened in error and had the balance ( about {$80.00} ) on the account set to {$0.00}. However the collections account still shows on my credit report as " Paid in Full '' even though I never paid ( XXXX had the balance canceled ) - I simply needed the account deleted as it is impacting my credit and my ability to close on a mortgage.
I was told by XXXX support that I would receive written acknowledgment of the account closure, but this never came. I have attempted to get acknowledgment again but have been told that now that the account is closed there is nothing that can be provided, either in email or physical form.
|
| 04/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2021, I contacted ERC regarding an XXXX XXXX XXXX bill that was placed in collections, ( Ref No. XXXX ). I made a settlement arrangement and made payment of that settlement on XX/XX/2021. I was also promised that my file would be updated and the collections removed. I have contacted ERC and is now being told that they were not the original collection agency who placed the account into collection and I would have to look at my credit report to find out who the agency was. I was also told i can contact XXXX XXXX XXXX. I looked at my report and did not see anything. I then decided to contact XXXX XXXX XXXX. I tried for 7 days to get to a rep that could assist me but got the run around ( we no longer have this account, you would have to check with XXXX. When get in contact with XXXX, I was told by the XXXX rep, you have to contact XXXX XXXX XXXX as they were the original account holder ). I am now contacting the CFPB as I am at a dead end.
|
| 09/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i
|
| 11/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX a debt from Enchanced Recovery Soultions or Company appeared on my credit report for XXXX XXXX XXXX XXXX whatever that is, I do know I do not or have not had XXXX XXXX, it had no dates or identifying info ... but I have lived in the state I am in now for seven years and they company we use is NOT XXXX XXXX So I don't know if this is for a different person or an old debt for someone eles but it's not mine and their mistake has had severe effects on my credit.
It says opened XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$630.00} {$630.00} Payment Info Original loan amount {$630.00} Balance {$630.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX please remove this immediately and do not place false invalid debts on my report.
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act convergent account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
|
| 07/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
on XX/XX/XXXX i received a bill from a debt collector name ( ERC ) Enhanced Recovery company trying to collect a debt of XXXX as XX/XX/XXXX between XX/XX/XXXX they said they bought the debt from XXXX XXXX XXXX my credit report has been damaged because of this they open it as a new account collection in my credit report. i call them on XX/XX/XXXX to ask them for the original contract agreement from this account and the representative denied my request because i refused to give her my address and also threatened with damage to my credit report she hang up on me, I called one more time i to get my request i was forced to give my address even though I didn't want i, then i received a mail with the verification and it was only a piece of bill from XXXX and XXXX, no contracts no payments history and signature. i called them back again on XX/XX/XXXX and had another altercation and they insist and damage my credit and threatened me with legal batters.
|
| 11/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is the XXXX time I am disputing the same identity theft debt from XXXX. Each time I report it through CFPB the corresponding collections agency closes the account, and my credit score returns to normal because the debt does not belong to me. However, when there is an inquiry on my credit for a new lease or a credit card, the debt ( {$400.00} ) pops back up immediately with another collections agency.
The XXXX previous collections agencies were XXXX XXXX XXXX and XXXX ) XXXX XXXX. It seems to have been moved or sold to Enhanced Recovery Company in Florida.
I have never been contacted by any of these agencies. I find out about this fraudulent debt when I check my credit score. Again, I have never been notified by any collections agency.
I have no documents to show for any of this because XXXX XXXX XXXXhe debt doesn't exist and XXXX ) I have never received a call or a piece of mail from any of these companies, including XXXX itself
|
| 08/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello My name is XXXX XXXX, Account # XXXX Enhanced Recovery Collection had contacted me on a debt allegedly that I owed around XX/XX/20. At the time I did not know that I could dispute such debt ( after some research, i realized that I could ). I agreed to pay them {$100.00} ( attached letter ) for the simple reason of convenience and I also asked them to please DELETE the account from my credit report, which at the time they informed over the phone THEY WOULD. Based on that acknowledgement, I decided to just pay the debt. After receiving a letter dated XX/XX/20, to my surprise they did not DELETE from my credit and my credit score DROPPED significantly almost 60 points due to this payment. I am frustrated with this unethical deception to collect a debt and then tell me they will remove it from my credit report and then they do not, this is not right. I have attempted to call them to correct this situation. They just do not care. Please help.
|
| 03/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have been mailing ERC since XX/XX/XXXX, asking for validation of this account, ERC has not provided validation of the debt, ERC admitted that they are not the account holders, so why they are reporting a negative account to my credit report, ERC is not the account holder, and they are affecting my credit score, they still calling at least 10 times per day, I have send a certified mail asking for cease calls and send validation of this account, TransUnion and Experian are being aware of dis un-validated account.
ERC Keep re-again this account, this is also affecting my credit score.
Account NameENHANCED RECOVERY Account Number XXXX Account Type Collection Date OpenedXX/XX/XXXX StatusCollection account. {$880.00} past due as of XX/XX/XXXX.
Status UpdatedXX/XX/XXXX Balance {$880.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$880.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
|
| 05/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ERC collections ( XXXX ) has been calling me multiple times a day for months. If I answer it goes to an automated system that tells me to press numbers for making a payment, removing my number from the list, or speaking to a representative. Not once does it state what the debt is or who they are trying to contact. For a while, I would select the option to remove my number from the list, but they would continue to call. I few times I decided to speak to a representative. Each time they would tell me that they do n't see my name or phone number in their system. They would tell me they do n't know why I 'm getting called and would say they ca n't remove me from the list because I 'm not on one.
The calls continued. I got so frustrated by them that I changed my phone number yesterday. Today, less than 24 hours later, ERC managed to call me on my brand new number.
This has to be illegal. I 'm at my wits end and I need these calls to stop.
|
| 06/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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My XXXX Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX. I was contacted by the collection Agency for XXXX XXXX ERC for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with ERC and was told that XXXX Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. XXXX Bank is not reporting accurately even after making my settlement amount. ERC has collected the whole settled amount for XXXX Bank but XXXX Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with XXXX Bank.
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| 12/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I have a a unverified account from ERC # XXXX. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 11/05/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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ACCOUNT NAME ENHANCED RECOVERY CO L Account:XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
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| 05/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
|
A lady called me XX/XX/2019 at XXXX saying " this is a recorded line, is XXXX XXXX there '' and I asked who was called and she said ERC . I asked what is was for and she said there was a few things in her office she would like to resolve with XXXX. I told her I am his wife and what was it that she was calling about. She then said she could only tell my husband. I told her that this was not his phone number it was mine. I gave her his phone number and she asked when the best available time to call was. I said evening. So she didn't tell me much about the company or why she was calling. It was very suspicious to me. This is the second time they have called me from 2 different numbers. First time I got a voicemail from a lady named XXXX it was on XXXX XXXX at XXXX asking for my husband and then they hung up realizing they were on voicemai. The first number they used was XXXX. The second attempt to call was from a different number ( XXXX ) XXXX.
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| 09/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am submitting this complaint because I am being affected by ENHANCED RECOVERY COMPANY LLC ( ERC ). This company was not present during this transaction that they are referring to which is a violation, They are telling me I owe an alleged " debt '' which is a violation of 15 usc 1692b. They NEVER had my permission to contact me pursuant to 1692c they do not have my prior consent which is a violation. This company has been harassing me and reporting wrong information to the credit bureaus WITHOUT MY CONSENT which is a violation. As a federally protected consumer i NEVER gave any written consent to report this information ( 15 Usc 1681b ( a ) ). I sent out more than one letter which was NOTARIZED for them to validate this alleged debt and I haven't heard anything back. Also I sent out a copyright infringement notice that was notarized and stamped by the Secretary of State warning them to stop using my name and information without my consent.
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| 01/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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Hello I have mailed a debt validation request to ERC due to the fact that they have placed a collection on my credit file for a possible fraudulent account. I have no knowledge of this account. I have not received any information via mail regarding this debt and they have placed it on my credit report. I am in the process of gathering more information to file a police report since this account is not mines. Again, this company has placed a collection on my credit file without sending me any type of notice and I became aware of this because I received an alert via XXXX. I need this account removed from my credit file and information sent to me via mail. I have sent a certified letter to the company asking for this information. I have also attempted to call the collection company and they have been very rude and not helpful and keep hanging up the phone on me. I am requesting that the company removes this debt out of my credit file. Thank you
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| 07/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This agency is attempting to collect a debt that is fraudulent from XXXX that i have ocular proof of fraud and have filed a complaint with the FTC on this fraudulent activity on XXXX and a previous debt collector and now XXXX has sold the debt as if it is valid and not corrected the fraudulent charges which were specifically prohibited by the signed contract XXXX XXXX 2009. This new agency has reported this issue as a new and valid debt and I have no contract with this agency. I have not been notified of any debt by this agency and I do not have any business with this company and refuse to do business with anyone who presents fraudulent charges as true. I never contracted with this company and have no business with them and do not intend to do business with any company that partakes in fraud by passing debt that has been proven to be fraudulent XXXX was the original creditor but they were advised and shown the fraudulent and false activity.
|
| 08/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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A collection under my name is reflecting my credit report bureua, impacting my report negatively.
I contacted the company Enhanced recovery corporation at tel. XXXX, i spoke to a representative name XXXX and supervisor XXXX XXXX, asking information on this case.
They explain that it was a account for XXXX on a adress that doesnt belong to me, they ask me to contact direct tv since they dont even have my social securitu number and the adress that reflects on the account its not mine.
I spoke to XXXX, and they told me that they would contact Enhanced recovery corp, to alllow 10 business day for this collection to be remove from my credit since it didnt belong to me.
The collection is still on my credit report and when i now call Enhanced recovery corp, they tell me, that they cant talk to me about this account since it doesnt belong to me.
This collection is really affecting my chances to buy a property, and i will appreciate your help.
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| 06/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 11/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 06/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 12/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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These people ( ERC ) calls me at all kinds of hours with different phone numbers. At XXXX point I had some guy called me, he had a deep XXXX like accent with and American first and last name. He claimed that I owe a debt but refused to tell me what company or what debt I owe without giving him my social security number. After I told him I refuse to pay a debt without any verification he used profane language with XXXX and threats to sue me and or put me in jail and give me a bad credit report. I believe they are the ones messing up my credit because I am in good standings with my debts. Some are nicer than others but they use the same tactics of trying to force you to give up personal information without verification of debt. I believe that most of them are of XXXX decent and all of them use American names, I do n't know if it 's part of their tactics but I believe it is misleading and illegal. Please stop these people from harassing me.
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| 03/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
|
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I am in distraught due to a collection debt XXXX XXXX XXXX had reported to the collection agency. This debt is now significantly damaging my credit score. I do not owe this amount nor the account belong to me. I recently started receiving mailing statements from this enhanced recovery company to collect that debt. I am outraged. I complained to the XXXX and also attempted twice to dispute these actions for the debt owed to the credit agencies. A lady by XXXX XXXX from the XXXX headquarters had harassed me with phone call and responded with a letter in regards to my complaint with the XXXX. She has a record of a XXXX XXXX and not myself. This is really embarrassing and completely inaccurate. I even attempted to reach out this person and see if there was a way to resolve this debt however I shouldnt have to because it does n't belong to me. Please help me with these inaccuracies and unlawful approaches this company has directed towards me.
|
| 10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
|
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It is for a total of XXXX, which was originally from an allegation in XXXX. It was sent to collections and was removed under and agency called, XXXX XXXX ( officially on my credit report XX/XX/XXXX ). Then they transferred this claim to another collection agency after it was removed, enhanced recovery company. It is the same state and city, just different P.O. Boxes. Then they fraudulently are making it seem it it from recent incident and dinged my credit XX/XX/XXXX. They have been saying I havent made payments every month and reporting, there is no monthly payments I agree to and this is not from this year. This is XXXX. Then I report it to XXXX who closed it in days and says this collection agency is right. How is that true when dates are not accurate nor is this monthly payment it is trying to falsify and affecting my credit every month. I am outraged how poorly this was handled. This should be taken off my credit report immediately.
|
| 08/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Enhanced Recovery Company has contacted me over XXXX debts that are not mine. On both occasions, I called and informed them of this issue and they said they " would make a note and take care of it. '' XXXX of the debts has now been reported as delinquent and is on credit report, The process for removing this debt from my record is exhausting and slow and places the burden of proof on the individual and not on the person assuming the debt. ERC has acknowledged that this debt is only linked to me by name and not through a social security number. Despite my contacting them and rejecting ownership of this debt and they having no proof that the debt was in fact mine, they still reported it to the credit bureaus and have affected my ability to acquire a mortgage in the short term. This is a shady business practice. Debts whose ownership is not confirmed and verified via a SS number or other official means should not be allowed to be reported.
|
| 11/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I disputed the collection information on my credit report four times with the different bureaus. I also supplied the credit bureaus copies of the three police reports i have that presents the evidence of my identity theft case and supports that this account is not mines. Credit bureaus went ahead and removed the incorrect information on my credit. Enhanced recovery company on behalf of XXXX has reported this same information with the same balance of {$1000.00} again on my XXXX XXXX XXXXd XXXX report. This fourth reporting was done on XX/XX/2022 and droped my credit score a total of XXXX points across the three reporting agencies.
This is very unfair that I have been trying to clean up the mess of this identity theft situation and as i get stuff removed they are being readded and dropping my credit score. I am already suffering enough with my low score from all the damages. Please stop reporting this invalid information on my credit.
|
| 08/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
|
| 12/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In a letter dated XX/XX/XXXX from ERC, I received a response to a previously disputed debt. ERC sent a response to a validation request after I informed ERC that I do not owe them or XXXX, the original creditors. I told them to remove the debt completely from my credit report as it is not a debt or settled. XXXX falsely advertised that they provided high speed internet in my area when in fact they didnt. XXXX eventually sent me a refund check. The service was activated and cancelled the same day because it was not high speed internet. It was dial up and it was extremely slow. High speed is not offered in my area from XXXX in early XX/XX/XXXX. XXXX should not have place me in collection and ERC has been informed of all this. I want ERC to remove the bogus account because they dont even have the correct account number at all and I do not owe ERC or XXXX and they keep sending me correspondence and putting damaging remarks on my credit.
|
| 04/03/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I contacted XXXX about a closed account from XX/XX/XXXX. XXXX had sent a collection to a collection agency, ERC, totaling {$200.00} without sending me any notification of the amount owed. After being shuffled around on their telephone help line four nearly an hour, I was finally able to talk to one of the associates who described the charge as a " early termination fee ''. This fee was assessed to my account after it had been closed, and the associate verified that the charge was inaccurate and that the account should be balanced after removing he credited my account the amount owed ( the confirmation number for this is # XXXX ). After I had received the confirmation number, I filed a dispute with the three credit unions, and all but XXXX were able to verify that the collection was not valid. I do have the file number for the XXXX dispute claim in which they conducted an investigation and found the claim to be valid.
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out to the collection agency XXXX XXXX XXXX, requesting a letter of validation of debt over three times and they have not complied. This debt was supposedly reported by XXXX XXXX which Ive never owned an account with them. Ive reached out to this Agency three times requestion a letter of validation for this debt, which they have failed to provide to date. I disputed this account on all three credit bureaus and it was deleted on XXXX and XXXX due to lack of information on this debt. The collection agency has reported this debt to be accurate now on the last credit bureau ( XXXX ) without providing the information supporting the validation of the debt. I have exhausted all my resources trying to fix this issue with the company. I recently filed another dispute with XXXX and called XXXX XXXX XXXX requesting a letter of validation. The company reported this account as accurate and hasnt provided the letter of validation.
|
| 09/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have had a so called debt with XXXX XXXX for over two years now. I returned their equipment, which they can't seem to locate.
I then asked XXXX for a itemized bill showing what I owe them. After repeated calls a lot of wasted time they never provided me a detailed itemized bill. I am sure the company has a record of the many calls into them to resolve this issue. I gave up on resolving this issue, but I refuse to pay for something I don't owe.
Now, the " so-called '' debt has been added to my credit report by a collection agency ( ERC ) ERC sent me a letter after I submitted a dispute to the Credit reporting agencies. Basically, ERC is telling me they can not find any evidence or specific facts to support my dispute. Which of course they ( ERC ) wouldn't since XXXX can't even provide me with any facts to support their claim. I am sick and tired of dealing with this and it's becoming a form of harassment. Please help. Thank you
|
| 08/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.
|
| 11/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.
|
| 08/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX I sent a certified letter to ERC for validation for a debt Original Creditor XXXX XXXX XXXX XXXX for the amount of {$1800.00} On XX/XX/XXXX I received a response from ERC which stated they were unable to validate this debt. Stating the account would be deleted from any consumer credit reporting agency files to which they may have submitted information to. Letter signed XXXX XXXX, Senior Vice President of Operations.
On XX/XX/XXXX, the unvalidated account was then re-added back on to my credit report unlawfully.
I reached out to ERC via phone to get this removed stating I had received a letter for removal in XXXX. I spoke to XXXX XXXX, who informed me they will not be removing account even though i have a physical notice stating otherwise for not being validated.
XXXX XXXX, supervisor refused to get on the phone or have any communication with myself.
The debt has already been established as not being valid, XXXX.
|
| 12/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I filed on this with my credit agency almost a year ago and it was removed because it was proven not be mine. The creditor was XXXX in the dollar amount XXXX and it What XXXX did was change the dollar amount and resold this debt to another collection agency which is Enhanced recovery LLC in the amount of XXXX. They ca n't do re sell a debt after it 's been removed from your credit report. XXXX could not verify infomration or it was 7 years up already and removed, not sure which one but I know the debt did not belong to me. I have screenshots to proveit was already removed on XXXX XXXX and before that XXXX without the inc listed it to try once again and removed XXXX, all screenshots provided.
Good thing I keep snapshots of everything. I check my reports regualary also.
attachments included shows it was removed in XXXX twice because it was not mine and anothe screenshot showing they just relisted it again with anothe creditor
|
| 09/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have been receiving phone calls about 5 per day all of them have a representative that gives me their name then demands that I verify information before they will give me any information. Today XXXX2017 I had to ask the representative twice before the representative said she was from ERC an accounts receivable company but would not tell me what company she was trying to collect with. I told her to mail me info to whatever address they had on file. I refused to give my personal information to them because I do not know who this company is or what they want since they refuse to tell me why they are calling. I want the calls to stop. If I owe money I want something in writing that I can dispute but I wo n't verify anything or give any info to a company that does not identify who they are and why they are calling. ERC is harnessing me and trying to get info under false pretenses by not telling me who they are and what they want.
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I recently received a copy of my credit report and I noticed that this company is reporting negative illegally re-aged information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I have been active on a family plan with XXXX since XX/XX/XXXX however this company has reported as of XX/XX/XXXX that I owe them via XXXX money which is impossible or an account they reaged illegally. I am requesting validation of this debt. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated. As well as when the account was closed and bought by this company.
|
| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 12/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I requested a debt validation on the alleged debt from XXXX XXXX XXXX of {$550.00} from ERC. I received a response from ERC with an XXXX XXXX XXXX bill dated XXXX XXXX. I contacted XXXX XXXX XXXX and they said the debt was in collections in XXXX! This debt was purchased by several collection agencies starting from XXXX on XXXX/XXXX/XXXX then to XXXX on XXXX/XXXX/XXXX, and then to ERC on XXXX, XXXX, XXXX. The original delinquency date on the account first became delinquent has changed several times by the XXXX collection agencies. Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the XXXX year time frame does not start over when an account is sold or transferred to a another lender or collection agency.The recent collection agency ERC reported that I just owed the debt in XXXX XXXX when it was originally in XXXX.
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights.
15 U.S.C 1681 section 602 A states i have the right to privacy.
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/31/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent a letter to ERC on XX/XX/XXXX, regarding Acct requesting the company to validate the debt they say that I owe them. I did not recieve any documentation that I owed this company anything, I recently checked my credit report and ERC was listed as a creditor. This prompted my letter to them. This letter was sent Certified Mail with a Return Receipt Tracking Number. ERC recieved the letter and they signed the return receipt. They sent me a packet of a bill after I specifically requested evidence of the alleged contract bearing my signatureaccording to the law. They blatantly ignored me and sent a bill without a contract. ERC has failed to provide me a contract bearing my signature to this debt yet they continue to report this debt to the Credit Bureaus damaging my ability to obtain credit without clear validation.
I sent a follow up letter on XX/XX/XXXX to request the contract bearing my signature to this alleged debt.
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| 02/23/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I have disputed my issue with the XXXX original debtor that claims I owe this debt of {$1100.00} for a cell phone. XXXX sold the account XXXX XXXX in XXXX. Thanks to CFPB the accounts were removed from all three bureaus. Now the account has returned under XXXX XXXX XXXX a complete new name. They can not produce any recordings or my picture ID or wet signature they just keep re-selling the account from collection agency to collection agency. For the same debt I have sent my ID and SS #. Again in XXXX same account no proof of burden and brand new collection agency. If they have so much proof that the account belong to me. Why then was the account removed from all three bureaus and re-sold again. And here we are again in XXXX once again the file has re- appeared on my credit file under a new name Enchance Recovery COL This company does not even own the file and they are trying to collect from me a debt that is not owed by me.
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| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I've spoken to XXXX several times and a majority of the time the reps are very rude.. My last call was XX/XX/XXXX, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor Enhanced Recovery that the XXXX claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from Enhanced Recovery. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is XXXX XXXX duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me
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| 03/26/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently reviewed my credit report and I keep coming across a collection from Erc for {$670.00}. I have no idea what this is for. I never received a notice of debt. I have tried disputing this several times with the credit bureau. They say It meets requirements and have not removed it. I sent a complaint to XXXX. I received a reply from ERC dated XX/XX/2018 which I will enclose. They advised it was sent back to them as not a correct address however they will obtain a validation and sent it to me. To date I have ZERO documents validating this debt! I have NO idea what it is for and it is affecting my credit. Either send me a validation of this debt or have them remove it asap. I'm at the end if my rope as I'm running out if options. If it is my debt then I owe it but I need proof as I do not recall ever having an account with XXXX. I refuse to pay for something that is not my debt. Please help any way you can.
Thank you
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| 06/21/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I do not have a signed contract nor any contract with Enhanced Recovery Corporation. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX . I am not responsible for this debt with Enhanced Recovery Corporation. I called and spoke to a very rude representative and I requested to speak to a manager. I informed them that I do not owe this debt and asked for removal from all of my credit reports immediately. I was told that they would send me a fraud packet and I would need to send that back before they remove this unauthorized, unverified account that has no validation. They are reporting this account opening as XXXX XXXX , XXXX . I was not aware of this attempt to collect a debt before now, I have not received any notifications from them. They had an address that does not and has never belonged to me in their database. I informed Enhanced Recovery Corp.
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| 06/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I asked via certified letter on XXXX/XXXX/15 for a debt validation to Enhanced recovery co. for an alleged debt of {$200.00} that I owed originally to XXXX XXXX XXXX in 2012. XXXX months have past since my original request and I still did not received any proper documentation ( re : copy of last invoice from XXXX XXXX to my attention ) to support this debt. Without any response from them I subsequently reported them on XXXX XXXX, 2015 to the CFPB, Enhanced finally responded in writing on XXXX XXXX 2015 stipulating : '' Our agency request related documentation materials associated with the account from XXXX XXXX cable. Upon receipt of any materials from our client, our agency will forward the documentation to XXXX XXXX Address on file. " More than XXXX days have past since this letter and I 'm still waiting for the proper documentation validating this debt.
They are however still reporting me monthly to the credit bureaus.
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| 07/26/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent a certified letter on XX/XX/2019 to Enhanced Recovery Company ( ERC ) addressed to XXXX XXXX requesting validation ; The following items in my initial validation letter were as followed ; - Agreement with your client that grants you the authority to collect on this alleged debt.
- Copy of the original contract/application that bears the original wet signature of the alleged debtor wherein he/she agreed to pay the creditor.
- Date this alleged debt became payable.
- Date of original charge off or delinquency.
- Verification that this debt was assigned or sold to collectors ERC - Complete accounting of alleged debt.
I then received a response to my validation letter on XX/XX/2019 from ERC, stating the following ; " Please find the enclosed documentation as it relates to the account '' only to find all they provided was partial bills from the original creditor.
All of which was not enough to validate the debt.
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| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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i sent a letter on XX/XX/ to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, 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 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i
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| 10/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I received a letter from Enhanced Recovery services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from enhanced recovery services. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying enhanced recovery services, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted enhanced recovery and they denied removing from my credit report. I disputed the item with XXXX and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what enhanced recovery stated vs the proof that I was refunded the amount i paid them proving I did not owe them money
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| 02/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Threatened to take legal action
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Web |
Older American, Servicemember |
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Got a letter in the mail said I owed XXXX XXXX XXXX. In XXXX not my home in Florida. Called them and they said they wanted additional personal information such as a copy of my driver 's license and electric bill. I thought this unwise and told them so. They proceed to tell me if I do n't give it to them they will keep calling, affect my credit rating and maybe take me to court. The entire approach is guilty until you prove yourself innocent. Since I have never been to XXXX, never rented an apartment in XXXX, and never asked for XXXX XXXX to be installed anywhere at anytime and could prove it I felt intimidated by their call. I made a personal trip to their office but they were unable to tell me when this transaction occurred. I have sent them XXXX letters explaining my life over the last 30 years but not providing them any other personal information. I have filed an FTC report and put a fraud alert on my credit reports.
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| 08/11/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have contacted enhanced recovery company in regards to my credit report. I have been a victim of fraud. I sent enhanced recovery company a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to enhanced recovery company to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and enhanced recovery company disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay enhanced recovery company and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
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| 04/30/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I ran my credit report as I am in the process of purchasing a home. I notice there was a negative mark on my credit report for a unpaid debt for XXXX XXXX, a cable company. I contacted XXXX XXXX to solve this issue.
The original creditor, XXXX XXXX sent me an invoice for the amount of {$270.00}. Payment was sent immediately to them, payment cleared the bank on XX/XX/2019. Per the rep, the account was paid in full now.
On XX/XX/2019, ERC, collection agency send me a Collection Notice for the amount of {$82.00}. On XX/XX/2019 I sent ERC a dispute/validation letter for this amount ( sent via certified mail ). They sent me an old invoice of {$510.00}, which does not explain a detail explanation of the amount of {$82.00}.
On XX/XX/2019, I called ERC to let them know that the account was paid in full. The gentleman at ERC has not intentions of doing anything about the situation, they still want this amount to be paid.
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| 01/04/2018 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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I have told this company ( ERC Holdings LLC located at XXXX XXXX XXXX XXXX, FL XXXX ) several times on RECORDED LINE to Cease and Desist contacting my phone number. The Debt Collector is using a similar debtor name attempting verification of a debt not owed by me. My phone number is NOT listed, and, for them to obtain my number is using illegal privacy invasive methods on an innocent. This company was warned to remove my number, and, at the time they said the number was being deleted, however the harassment continues. I have maintained a call log with caller identification to show this harassment to the CFPB, FTC and Attorney General. This federal complaint serves as written demand to CEASE AND DESIST. I do NOT verify any debt. Any further contact " written, electronic, or by phone will be viewed as ILLEGAL. I will take full advantage of Federal Law and take legal action if these wrong attempts do not immediately stop.
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| 08/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I was denied a loan due to an erroneous collection on my credit report. My bank informed me of this collection on my credit report from ERC from XXXX XXXX XXXX in the amount of {$410.00}. I was never contacted by phone, mail, or email by them about any money I owed. When I tried to call the number listed on the credit report it was not a valid number. I decided to search on XXXX and it showed many claims of fraud. I do not have any outstanding bills for this amount and do not owe them money. As this is causing negative marks on my credit, I would like for this to be completely removed from all XXXX credit bureaus, promptly. I have an attorney that is ready to represent me with a law suit if this is not taken care of. These negative marks have caused me to be denied for a loan. I want this taken care!
I have disputed this account over and over and never get validation or proper documentation. TAKE THIS OFF MY CREDIT!!!
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| 08/05/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been trying to resolve this matter with Enhance Recovery since XX/XX/2019, ERC has only provided a XXXX XXXX, I have disputed this account and asked for validation and this has not been provided. ERC has received serval attempts via certified mail about this matter, I have requested to provide me with the following : What the money ERC say I owe is for Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Contract signed by me to ERC about this debt Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service I want ERC to remove this collection account from my credit reports, do not sell or transfer to another collection agency.
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| 04/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX is frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan.
Enhanced Recovery is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan.
I disputed this and they responded the information was accurate.
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| 09/17/2015 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Enhanced Recovery of XXXX, Florida XXXX XXXX XXXX, FL XXXX has been repeatedly calling my home claiming i owe a XXXX bill of XXXX from XX/XX/XXXX. I explained that i was a sprint customer since XX/XX/XXXX and my same account from them is still active. The person then stated the debt was from XX/XX/XXXX and I am like that 's 15 years ago and regardless if it was my account or not, the statue of limitations has expired. The person told me they were not a 3rd party debt collector and I told him then you work for XXXX? no comment.
They never at anytime in the last 15 years put it on my credit nor has XXXX ever been on my report either. This a white collar scam!!
I asked him to stop calling me and he said they will just keep calling so i hung up. They call at least twice a week and this must stop. They have never sent any mail nor registered / certified mail to my address which i did confirm with them. Please Help me!!!
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| 05/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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The company, Enhanced Recovery, reported an XXXX XXXX XXXX bill in XXXX of 2014 without sending a dunning notice. This was a debt that they had previously tried to collect from me years before and was eventually deleted from my credit reports after disputes were not validated on their end. They began reporting to XXXX and XXXX in XXXX of 2014. I disputed through the XXXX and they acknowledged through written message that they did not send a dunning notice because they were unable to reach me on a cell phone number they had listed as my contact. So as of last week ( XXXX XXXX ) they sent the dunning notice-5 months AFTER they began reporting this on my credit reports. I was not given the chance to dispute before this was marked as a derogatory item on my report and sending the notice now is a clear violation. I want this debt removed from my credit reports as it is being reported incorrectly and collected in violation.
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| 11/01/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I received a phone call in early XXXX, 2016, from an unknown number. The woman on the line made a very brief statement about me needing to provide her with payment information in order to resolve a balance with " ERC. '' She made no official statement to identify herself, or her employer as a collector attempting to settle a debt. I asked her again who she was calling on behalf of, and she again said " ERC. '' I responded, saying that I had no idea who ERC was, or why I would have any outstanding balance with a company I had never heard of, and had no intention of making payments on a balance that I do n't own. She then terminated the call, without having made any attempt to clarify the name of her employer, or that she was making a legal attempt to collect a debt. No further attempts of contact were made. One week later, on XX/XX/2016, a collection was filed on my credit report under the name Enhanced Recovery Corp.
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| 08/03/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Good afternoon, Consumer Financial Protection Bureau.
Today I received a letter from ERC regarding a collection notice from XXXX XXXX on an account that I have disputed and it was found that it needed to be removed.
The CFPB Claim No : XXXX Filed XXXX & CFPB Claim No : XXXX Filed on XXXX.
I have been dealing with this matter since XXXX, We had submitted a complaint with CFPB XXXX XXXX : XXXX. It was requested that the account be deleted.
on XX/XX/2020. I submitted another complaint on a notice that I received from XXXX XXXX with CFPB Claim No : XXXX. It was requested to be deleted.
The reporting of this accounting violates the Fair Credit Reporting Act ( including but not limited to section 623-b ) & the Fair Debt collection Practices act ( including but not limited to section 807-8 ).
I have received threatening letter and call about this account that has already been disputed.
I really need you help.
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| 11/15/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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They reported a debt to the credit reporting agency without contacting me. So I called the number I got off my credit report. Although they had correct address they refused to send me out any info. Or give info. So I can dispute transaction. Then although refusing to send me any notices They say all they can do is send me final bill. What good is final bill when that is what I'm disputing and the fact company says I had a contract with them when I didnt. They refuse to send anything proving how they got final bill amounts. They repeatedly state that the final bill is the only documentation they need to prove I owe that amount. But anyone can put any amount on a final bill and claim you owe them because that's what they decide you owe them even if it is an amount you never agreed to.
And because they refuse to send out written documentation how can I dispute anything when they refuse to send me anything about debt.
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| 08/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Good evening, On XX/XX/XXXX I received my credit report and became alarm at two collection activities on my credit reports. One of the collection activities was opened on XX/XX/XXXX in the amount of {$600.00}. The second collection activity was opened in XX/XX/XXXX in the amount of {$160.00}. I called to inquire about the debt and to find out who the original creditor is. I was told I had to identify myself by giving my ssn to the representative on the phone. I refuse to give my ssn and asked if I could speak to a manager as I wanted to ask questions about the alleged debt but the rep hung up on me. I have investigated and learned the collection company is Enhanced Recovery Corporation and are not license to collect in the state of Tennessee. I have written letters to stop further collection activities and phone calls but contacted today at XXXX XXXX. This company is practicing illegally in the stated of Tennessee.
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| 12/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I am wanting to make sure that this debt is being reported accurately on my credit report. On XXXX/XXXX/16, I sent a 2nd request for validation of debt via traceable mail. The letter was received on XXXX/XXXX/16. On XXXX/XXXX/16 a dispute letter was sent to XXXX to challenge the validity of the debt and make sure it was reporting 100 % accurate.
On XXXX/XXXX/16 Enhanced Recovery Corp responded to the XXXX dispute with a statement " Verifying '' the account and it 's correct and accurate reporting.
The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer request is received.
By them verifying the debt with Equifax without validating the debt, they violated the FDCPA.
Furthermore, Enhanced Recovery Corp failed to report the item as " in dispute '' with XXXX..which is another violation of the FDCPA.
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| 12/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
|
I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERCC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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| 07/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police.
In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by XXXX ; XXXX and XXXX credit bureaus.
My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
|
| 05/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
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Web |
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.I filed my orginal claim against this company because they where reporting inaccurate information on my report which they refused to verify belong to me. They responded via CFPB that they would cease all collections activities on the account and I have attached the letter. The same day the repeated harrassed me calling me multple times. I have attached the screenshot. The lady called the first time and I amsweredtelling her not to call back. As you can see they called again and I did not answer. I told the lady on there recorded line they should not be contacting me and it was illegal. She advised she would place me on A DNC list but according to the orginal response from ERC that was already suppose to be done. Another law broken from this company. I have reached out to an attorney to pursue legal matters since they have knowingly harrassed me after There should have been no contact noted in the orginal response
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| 08/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
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| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 06/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted ERC which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XXXX ; the second one was on XX/XX/XXXX, and the last one was made on XX/XX/XXXX. After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send XXXX evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. XXXX sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.
|
| 08/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 08/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 04/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
There is no debt. I received a letter from Enhanced Recovery Company , LLC ( in FL ). They claim I have XXXX XXXX XXXX debt, threaten to report me to national credit bureau, and offer a discount on debt if I pay within a month. I confirmed with XXXX there is no debt and they told me to disregard this notice. Per online research, this company has reported debts to the national credit bureaus, causing damage to individuals ' credit scores. They have my correct account number and name. Say if I do not dispute the validity of the debt with them, they will assume it is valid. I do not want to establish any contact with this company.
I am reporting this scam here ( CFPB ) ( I was referred here by FTC when I tried to report the scam there. ) and state Attorney General 's Office. Also tried to report it as a scam to XXXX XXXX XXXX, they did not seem interested in taking the info. I do not want my credit damaged by this.
|
| 04/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I keep getting harrassed to pay a debt to XXXX. Unfortunately the company doesnt even exist anymore. My debt was originally a little over 2 thousand because of some unauthorized activity was going on behind my back and i had all these open phone lines and active contracts and 4 years later it shows up on my credit report and now my debt is a little over 5 thousand. The accounts been closed for almost 5 years now so why and how is it so much money and why are they still asking for it when the company doesnt even exist anymore. A debt collector called and was harrassing me over it. Im not sure if i was being scammed or not but i was threatened that if i didnt pay it they were going to harm me financially and now its in my collections. Ive asked many times to leave me alone and they refused they would call me in the middle of the night at least 5 times. I jus need to know what i can do legally to take care of this.
|
| 06/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I only have a single negative mark on my credit reports from a Florida debt collection agency.
Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX.
Or, XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX They are claiming I owe XXXX {$200.00} for an unpaid phone bill.
I've never had a contract with XXXX, only a prepaid account a few years ago.
I filed a dispute with the credit agencies in XXXX of 2019 ( See attachment 2 ) and had this fraudulent collection account removed. However, Enhanced Recovery has refiled a new collection account with a new account number in XXXX of 2019 for the same amount, {$200.00}.
Unbelievable that a company can make this claim, fraudulently, then do it again a few months later. I do have an attorney friend from college that works for the state of Florida in XXXX that I will be contacting to file charges against them, but in the meantime wanted to file this report publicly.
Thank you!
|
| 07/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
Mother XXXX XXXX XXXX XXXX XXXX XXXXr for 2-3 days. She had cancelled her lifeline services to keep her cell phone which she could not get to when she fell. She cancelled the cell phone with XXXX XXXX XXXX so she could reactivate and afford to pay for her lifeline services.
After more than 60 years with XXXX XXXX XXXX and XXXX XXXXXXXX she was told there would be a {$400.00} cancellation fee. She explained she could not afford to pay this. She still has her XXXX XXXX XXXX land line.
She has been receiving harassing and threatening phone calls and written correspondence. She was told they would take this money out of her bank account. My mother is XXXX years old. This has been very upsetting to her. It is unbelievable that this blue chip corporation would go after a XXXX year old lady would nearly died because she cancelled her lifeline to keep a cell phone that could not help her lying on the floor for days.
|
| 02/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a letter addressed to just " XXXX '' XXXX from a collection agency, ERC, representing XXXX XXXX/XXXX XXXX XXXX/XXXX. I do not recognize any of this account information listed on the letter.
The letter stated a debt was owed in the amount of {$700.00}, and stated it would accept a settlement of {$420.00}.
Prior to receiving this letter, this debt appeared on my credit report and my credit scores dropped by more than 100 points. When I disputed it with XXXX and XXXX, it was removed within 24 hours. More than a month later I received the letter and discovered it was reported to XXXX as well. I disputed it there and it was removed promptly as well.
This letter was sent via regular US Mail and there is language in the letter stating that if I do not act within 30 days of receipt, I will be liable for the debt.
I am certain this letter is fraudulent. Will I be liable if I do not act on this? Thanks.
|
| 08/26/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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ERC is violating FCRA by willfully and negligently reporting inaccurate information to the credit bureaus despite communications to me promising itd be removed. After sending Enhanced Recovery Company ( ERC ) a request for debt validation, I received a letter back from ERC dated XXXX/XXXX/XXXX stating that they were no longer reporting this debt and that they had sent notice to all XXXX credit bureaus notifying them it should be removed. 30 days later, ERC validated this debt on XXXX/XXXX/XXXX to XXXX and XXXX so my credit report says my most recent late payment was 5 months ago. This appears to be a time-barred cell phone debt from XX/XX/XXXX, BUT the main problem is that ERC sent me a letter saying they were no longer reporting it to the bureaus, but continue to report it. This is negatively impacting my score and is affecting my ability to get HOUSING and an auto loan. I 've made MULTIPLE attempts to dispute.
|
| 05/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Recently reviewed my credit report an observed a collection account for the amount of {$200.00} from ERC in regards to a XXXX account. Contacted ERC and they stated that I owed a balance of {$200.00} for a past account. Informed ERC that I cancelled XXXX service in XXXX and ported my phone number to XXXX XXXX with my husband. My balance was paid in full and the last statement I from XXXX was a XXXX balance.
Informed ERC that I am a current XXXX customer and began service with XXXX again in XXXX XXXX. My account is current a payment was submitted to XXXX on XXXX/XXXX/XXXX for the amount of {$180.00}.
Also informed ERC that XXXX never sent a notice for payment of {$200.00}. Disputed the validity of the account with ERC and requested documentation of charges. ERC has failed to provide any documentation regarding account as of XXXX/XXXX/XXXX.
I have contacted XXXX and they have no knowledge of a past due account.
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Here are the details of the fraudulent debt collection account based on my XXXX Credit Report. I have no knowledge of this account opened fraudulently using my identity.
Account info : Account name ENHANCED RECOVERY Also known as ENHANCED RECOVERY CO L Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1600.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX The address recorded on this XXXX XXXX XXXX account is XXXX XXXX XXXX in XXXX, Maine. I have never lived at that address and have owned and resided at XXXX XXXX XXXX in XXXX, Maine since XXXX. My phone service is through XXXX and has been since XXXX. I have reported this identity theft to both XXXX and Enhanced Recovery today.
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received a letter in the mail from ERC ( Reference Number : XXXX ) trying to collect {$110.00} that is due to XXXX XXXX XXXX, XXXX ( Account Number : XXXX ). I have never been a customer of XXXX. When I reached out to XXXX on the phone they say the account associated with this phone number is XXXX XXXX XXXX with no other address information and the payment due is {$170.00}. If I call XXXX and then the account number I get the partial address of XXXXXXXX XXXX XXXX with a payment due of {$260.00}. When I have reached out to XXXX online with the information provided in the letter it does NOT match their records.
When I reach out to ERC directly they give me the address ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and phone number ( XXXX XXXX XXXX XXXX XXXX ). They would not provide their license number. When I called the phone number they me over the phone it was an automated message for a medical alert device.
|
| 09/01/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am concerned that I have XXXX-XXXX debt on my credit which is really hurting my score significantly. I once had a contract back in XXXX. I lived in XXXX Michigan in a group home called XXXX XXXX. I was sent to a new placement and lost phone privileges and that cause me to break my contract with XXXX-XXXX. It has been 12 years now since then and the dept keeps getting added to my credit as if it happened XXXX of XXXX. I was a young adolescent at the time and now i am almost XXXX and its still hurting my credit. I was informed that this dept will be off my credit after 7 years. And here i am today having a reaccuring negative remark on my credit as many dept collection agencies keep buying out my dept and refreshing when the dept was sent to collections. I would like to do anything in my control to dispute this dept as i am disagreeing with the date and amount the dept collection agency is stating it accured.
|
| 05/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I contacted by phone XXXX XXXX XXXX XXXX to setup Internet for my apartment. In exchange for agreeing to one year contract to keep the Internet service the company agree to price lock of two year and give me a tablet computer with 100 mb of data per month. In XX/XX/XXXX I move to a place where I had a choice of Internet providers and I returned all of the equipment that the company requested me to return and paid the finial bill and closed the account with no money due. Now XXXX XXXX XXXX has turned over my account to and ERC account number XXXX phone number XXXX. XXXX XXXX. XXXX XXXX, XXXX, FL XXXX.
Since all terms of the original agreement has been satisfied I consider any attempt to collect on a debt to be fraudulent on the part of this company. The company has placed a mark on my credit report and I would like this removed and the company clear this fraud immediately.
Thanks, XXXX XXXX
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ENHANCED RECOVERY COMPAN 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 03/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I set up a payment with the company ERC and the following week for personal reasons I cancelled my payment.Unfortunately when I cancelled my payment ERC never deleted and still snatched it out of my account.When I called to explain they acted as if I was lying about cancelling my payment.They told me they reversed my payment and in 72 hours my funds would be back in my account.I called up there everyday and they gave me the run around.I heard XXXX different responses from XXXX different people and when they tried to say my bank was holding the funds.My bank had already told me that there was n't anything pending from ERC on my account .When I kept calling ERC back they gave me the run around and kept placing me on hold for periods of time and hanging up on me.It 's going on a week and the funds have still not been placed back in my account all because they did an illegal transaction that I did not authorize.
|
| 02/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called Enhanced Recovery Company. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. Enhanced Recovery Company added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by Enhanced Recovery Company incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.
|
| 06/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I got noticed a collection was placed on my account by Enhanced Recovery located @ XXXX XXXX XXXX XXXX Florida XXXX phone number XXXX Now the debt they reported was inaccurate and they reported that I opened a XXXX account on XX/XX/XXXX, however this debt is 7 years old on XX/XX/XXXX they intentionally reported old past due amount as new, collection accounts is considered a continuation of the orginal debt, I'm fully aware that it is a violation to do this and they sent this into XXXX credit bureau knowing this is false and misleading information, I contacted the credit bureau and they agreed that this doubt is 7 years old and should not be reported.
Debt due to fall of XX/XX/XXXX Placed on my credit on XX/XX/XXXX Date orginally opened on XX/XX/XXXX Collection company stated dated open XX/XX/XXXX Violation as this is falsefied information to be able to get it placed on my credit bureau.
|
| 03/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX, I opened a XXXX account which was my first phone contract. There was an amount of {$450.00} that went to collection which I paid on XX/XX/XXXX. On XX/XX/XXXX I printed my credit report and I seen XXXX XXXX XXXX on my report for tmobile. I called the number for XXXX XXXX XXXX, I was unable to reach a person so I called XXXX and they could not give me an idea why this collection is still on my report. They transferred me to the collection company which is not the company that is listed on my report, they said they have not received my payment and for me to call XXXX back to let them know. When I spoke to the customer service representative from XXXX again she told me that I only paid {$190.00} out of the {$450.00} and that the balance was {$250.00} and also that the account went to 3 different collection companies. On my report, it says that the account is paid in full with the collection company.
|
| 04/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I received a letter from the " Enhanced Recovery Company '', claiming that I owe XXXX XXXX XXXX {$110.00} this past XXXX. I was unsure of the legitimacy of the company which is the reason I have avoided direct contact with them. However, I recently viewed that this debt is affecting my credit as an open collections I owe.
I have paid off all of my remaining balance with XXXX XXXX XXXX for internet charges back in Florida. I have also made a new account with XXXX XXXX XXXX for TV and internet since last XXXX and have made all my payments on time. They have never XXXX informed me of an old existing account that I still owed money for. Nor have they ever denied me as a customer for still owing a debt. I honestly believe XXXX XXXX XXXX would have easily found this debt of mine, if it was legitimate, as my full name would be on XXXX accounts. This is the reason I am claiming this debt to be completely false.
|
| 08/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
On XX/XX/2021 I rec 'd a letter from ERC - Enhanced Recovery Company , LLC stating they were authorized to contact me by XXXX XXXX to get payment for a XXXX XXXX purchase for {$140.00}. They, too, threatened to report my account delinquent to the credit bureau.
I called the number and it was a virtual response. All they wanted was my credit card.
I wrote them back that I have never been a XXXX XXXX customer and to please submit the billing/documentation that shows an invoice for me before I report them to the FTC/XXXX for harassment.
I sent the letter back certified mail with return receipt.
Yesterday I rec 'd another letter, stating they were responding with a document that referenced my account. The letter was from XXXX XXXX, Sr. VP of Operations XXXX The person 's name is my name, but the address is a New Jersey address. NOT ME.
Enhanced Recovery Company LLC XXXX XXXX XXXX, XXXX, FL XXXX
|
| 11/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal.
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.
This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by XXXX XXXX XXXX original creditor ) and unfair business practices.
The account information is the following : ENHANCED RECOVERY COMPANY , LLC Opened Date : XXXX XXXX, 2019 Balance : {$140.00} Original Creditor Name : XXXX XXXX XXXX XXXX My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP.
Thank you.
|
| 05/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
My XXXX-year-old mother contacted me via postal mail with a bill that she and my father received in the post. It was a bill from ERC collections representing XXXX XXXX/XXXX for a debt from XXXX it had all my information on it including the debt amount and the details of it. I have never given out my parents address and have not lived there since XXXX. XXXX and XXXX have always had my correct address to contact me at. I called them and advised them that they violated the law and after trying to transfer me several times to a supervisor and the office of the president they said that they could give me that number I advised them it was in their best interest that they contact me asap. ( call ended ). This is not only an embarrassment to me since I am XXXX XXXX and my husband is XXXX XXXX XXXX ( he is a XXXX XXXX ) thankfully getting better. But my parents are very old and frail. They have violated the law.
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
OnXX/XX/XXXX I paid a debt for a disputed XXXX cell phone bill despite the fact XXXX XXXX said it was part of my contract to pay this bill at the time I joined their services when stopping my contract with XXXX. XXXX billed me anyways. I continued to dispute to no avail.
On XX/XX/XXXX, a check to pay this debt off was sent and remitted using Option 1- Pay off the settlement in one payment of {$260.00} per their letter. The remitted check for the payment is enclosed. Per their letter- in choosing option 1 - since they had the authority to settle this account for less than the full balance- I paid the said option of@XXXX in full and per the letter and expected this debt to be settled and collection activity to stop.
Today- XX/XX/XXXX I received another collection noticed ( enclosed ) for the same debt in the amount of $ XXXX despite the fact they said would it be settled when I paid option 1 in XXXX.
|
| 01/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Enhanced Recovery is attempting to collect on a Debt, that I never received a letter from Enhanced Recovery regarding any information about the debt that they never validated the debt and are illegally reporting. There has been no written correspondence to me regarding this Debt from Enhances Recovery. The original owner of the Debt is XXXX XXXX. Enhance Recovery does not have a contract baring my signature with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
|
| 07/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Enhanced Recovery Collection is reporting a debt on my credit report from XXXX. I do not have any contract with Enhanced Recovery Collection, I do not have any business with Enhanced Recovery Collection, nor have I ever done business with this company. My account is still active with XXXX in good standing. I have spoken with XXXX on many occasions since this account started reporting on my credit report. After speaking with XXXX I was told my account was never placed with a collection agency HENCE, I am a valued customer with 12 active business lines with XXXX.
When calling to speak with Enhanced Recovery Collection they are very rude using profanity, hanging up the phone and threaten to garnish my wages. Attache you will find my monthly bill from XXXX showing this account was paid. However, XXXX does not have this account listed with a collection agency because this account is still open with XXXX.
|
| 06/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had XXXX satellite TV services they were no longer able to provide after I moved to locations the signal was not able to reach. I returned the equipment in the packaging they supplied, confirmed they received it and paid the final amount owed. Since then, XXXX continued to attempt collection, and repeatedly turns the account over for collection. The latest collection agent ENHANCED RECOVERY COMPANY, XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Reference No XXXX. About every 2-3 months, I 'm notified of another collection account and have to dispute it with the credit bureaus, who delete it until the next one pops up.This damages my credit history and scores, and necessitated time and aggravation while I needed to rest and heal while undergoing medical treatments. Please help to remove this incorrect information and hold these companies accountable for their inaccurate, sloppy and damaging practices.
|
| 04/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Older American |
|
XXXX XXXX is showing a 10-year-old debt under XXXX that I do not have. I tried to file a dispute with XXXX but as soon as I hit enter on their form the dispute form submission request was rejected because there is no account number, it does not exist on their records nor can I enter a complaint number which they will not issue to me without filing the complaint form. However, within one second I received a harassing phone call from ERC asking me to verify my address and other personal information. I want XXXX & ERC or whoever they are to remove that debt from my personal records without having to pay them the monthly subscription to their services that they want from me to be able to review their bogus records. Who are they and why are they allowed to conduct these kinds of businesses? Why are they allowed to make money by harassing people without proof of debt? Please advise ... Thank you, XXXX XXXX
|
| 05/05/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
A collection was put on my credit report for {$810.00} from Enhanced Recovery Collections for XXXX XXXX. Ive never had an account with XXXX nor do I owe them this amount. Also, I called XXXX to see what was the reason for the charge. Since XXXX is owned by XXXX. They claim it was for an old bill of {$660.00} from XXXX XXXX, when I lived in XXXX XXXX. However, I dont remember owing them this amount and Ive never received any correspondence from XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Collection in regards to this delinquent debt. Furthermore, it would be an old debt with XXXX that exceeds the statute of limitations in Alabama. Ive lived in XXXX since, XX/XX/XXXX and this was just put on my credit report on XX/XX/XXXX. Ive never received any correspondence from this company in regards to this debt the entire time. This is totally an unfair process in trying to collect a debt that I do not owe.
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Enhanced Recovery is a XXXX party debt collector attempting to collect an alleged debt. I do not have any signed contracts with Enhanced Recovery showing that I owe this company any money nor have I given written permissible purpose for Enhanced Recovery to obtain my personal information and even contact me. Enhanced Recovery is in Federal violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They have tarnished my consumer report with this false and misleading information, their negative reporting has cause me to be discriminated against when applying for credit due to their illegal practices. Their negligence has cause me undue hardship and is affecting my personal and family life. In addition, Enhanced Recovery is not licensed to operate in the state of California where I currently reside therefore clearly making it illegal to contact me about this alleged debt.
|
| 06/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXX I paid in full {$390.00}, a collection to Enhanced Recovery Company ( ERC ). It was only in collection for a very short time but it was paid in full. ERC has this collection listed on my credit report as paid, but for less than full amount. This is completely incorrect. I paid this account in full. I sent two letters to ERC asking them to validate and change/delete the erroneous information. One on XX/XX/XXXX and the other on XX/XX/XXXX. I have not received any kind of response from them. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
|
| 06/21/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a delinquent phone bill in XXXX, it has been charged off and should be dropping off of my credit soon. ERC/Enhanced Recovery Company continues to illegally re-age my account by closing it and reporting it as a new debt by either of their names. Same company and it keeps closing and re-opening the debt and the age of the account is being improperly represented on my credit report. Currently the debt shows it is only a little over a year old and is actively reporting negatively every month. I believe they are attempting me to bully me into paying a debt that has been charged off for years by purposefully harming my credit with " new debt. '' The first day the account became delinquent should be accurately represented and they should be stopped. This is n't the first time they have done this, last time I caved and paid the debt that was due to drop off and saw no improvement to my credit score.
|
| 07/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I got a derogatory mark on all my three credit report. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605 ( b ) of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report The account was removed and now has being reinserted back onto my credit report reappearing. ENHANCED RECOVERY COMPAN
|
| 02/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Older American |
|
ERS Collection Company called my employer and left a message on my work voice mail that the call was coming from a debt collector. Leaving such a message not only violates Federal Law, but puts my work status at risk. I have not received a notice of debt, nor have I had an opportunity to file a dispute. I don't know if this is a scam or a real debt. I called the company at ( XXXX ) XXXX and spoke with XXXX XXXX and XXXX XXXX to complain about the call. I played the recording for XXXX XXXX, but Mr. XXXX stated he would listen to his internal recording. I have saved a copy of the voice mail and will make it available if requested.
Mr. XXXX put me on notice that the call to my office recorded. I am in California, which is a two party consent state and I did not consent to being recorded. The fact that my voice or message on my work voice mail was recorded without my permission should be illegal. a
|
| 07/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Approx. XX/XX/XXXX I recieved a letter from ERC stating I owed over {$300.00} for a direct tv box that was not returned. This box was returned directly to an XXXX tech in XX/XX/XXXX. In XX/XX/XXXX, I confirmed with XXXX that this debt was not valid. I was told by an XXXX rep that the information would be in ERC 's system shortly and it was taken care of. Today, XX/XX/XXXX, I received a letter stating I owed them {$190.00} for the same issue. Again, I called XXXX and confirmed AGAIN that this debit was settled and the box was returned. I then called ERC. They claimed this was the first contact from them and att sent them the debt on XX/XX/XXXX. They claim they do now own this debt but are preparing to report the credit bureau in XX/XX/XXXX. I feel that I am being harassed by a less than honest debt collector. I have returned all equipment owned by XXXX and this has been confirmed TWICE by XXXX.
|
| 12/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter in XX/XX/XXXX from ERC dated XX/XX/XXXX seeking to recover a debt of {$800.00} on behalf of XXXX XXXX. The letter identified me as the debtor, but it was sent to a business XXXX XXXX that I do not receive personal mail at, nor which I use for personal billing purposes. On XX/XX/XXXX I responded with a certified letter demanding that ERC verify the debt. On XX/XX/XXXX, I received the " verification '' which appeared to be a service contract dated XX/XX/XXXX for a person with the same first and last name, but for service at a location in another state over 1,000 miles from my home. I've lived in my house over 15 years and I've worked very hard to achieve perfect credit. I don't know how to get these folks to stop trying to collect a debt that clearly isn't mine and I'm worried that it's going to show up on my credit report, hurt my score, or result in some sort of legal action.
|
| 01/23/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Years ago I had a cell phone account with XXXX XXXX XXXX. I went through the proper steps to close the account and moved to a different provider. XXXX XXXX XXXX continued to send me bills for service in which I had ended. I repeatedly called their customer service and they would say it has been resolved. Years later I continued getting a bill saying I owed for service in which I did not have. I learned later that XXXX XXXX XXXX has class action suits against them for the same practices. Eventually they turned my bill over to a collection agency in which I have zero correspondence. It shows on my credit report.. XXXX XXXX XXXX has XXXX tactics and poor customer service. If they were to pull up the account for the dates years ago they would see that there was no active account and no activity on the account. I think with research it will be found that XXXX XXXX XXXX has done this with many others.
|
| 10/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Im currently in the middle of purchasing a home so Im watching my credit closely XX/XX/XXXX I get a collection account posted to my credit report from a company called ERC in reference to XXXX. I immediately notified the credit bureau to look into this matter because I have n't had any business with XXXX or ERC no phone call or mail stating I owe anything. The credit bureau did there investigations and deleted it from my file. It is now XX/XX/XXXX and I check my report and there 's another collection from the same company this time saying XXXX again in which I never even had business with XXXX or ERC this company is damaging my credit with false information. To my knowledge in the past if you owed an account the creditor will call and send you letters in this case I just been getting false information slammed on my credit with no phone call no mail giving me 30 days to validate the alleged debt.
|
| 08/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a bill from XXXX in XX/XX/XXXX, I never opened account i have been a XXXX XXXX customer for past 9 years current, I refused a promotional deal when I went into a XXXX XXXX retailer in mall and they were giving a promo deal and gift if I filled out a card online, I did the switch never came forth ... salesman called me over and over, over a 3 week period in XX/XX/XXXX, I told them i was not interested. apparently in XX/XX/XXXX i received a bill for services and called them directly via XXXX customer service number..for several months into XX/XX/XXXX I had to argue with them that it was a fraudulent account and bill. in XX/XX/XXXX I was sett a form and sent it back verifying i was not responsible for account or bill. in XX/XX/XXXX I received a letter from XXXX XXXX..who gave it to another collection company and now its reported as of XX/XX/XXXX as a new debt ... completely innacurate
|
| 12/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named ERC with address XXXX XXXX XXXX, XXXX, FL XXXX .And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including ERC. Therefore I need ERC to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft
|
| 03/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
According to my credit report, Enhanced Recovery Company purports they have the right to collect {$290.00} from me. They have been reporting this amount since 2019 without proper notifications sent to me. After speaking with the credit bureaus ( who I have addressed separately ), they have not spoken with anyone at Enhanced Recovery Company regarding my name or an alleged account. I disputed this information and it was verified as accurate.
Because the credit bureaus did not speak with Enhanced Recovery Company, this debt has been verified illegally. Also, they have not sent me any notices regarding my right to dispute, or any mailings for that matter. They continued to list this account as " open '' and not " in dispute '' despite my disputes with the credit bureaus. They need to be reminded that, according to the FDCPA, they must follow certain procedures when attempting to collect a debt.
|
| 12/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
In the summer of 2017, I went to XXXX located at XXXX XXXX XXXX XXXX, XXXX, NH XXXX and received 2 XXXX with service. The amount that I was told was not true and after going into the store I talked to the manager and they apologized and ended service/account and said that they would cover the month of service. I have had debt collectors call me and I always have to call XXXX and sit on hold for a few hours fixing it. I still get letters for debt collection and it is now going against my credit. I have talked to managers numerous times and they always claim to " fix '' it but I have no proof. I have asked for written verification numerous times and I never received it after sitting on the phone/hold for hours.I returned the equipment and am being charged for the month of service. I have been told that it was an internal error and that I am all set, yet I still get letters from debt collectors.
|
| 08/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There have been a few times over the last few years that I receive a collections notice regarding this false " XXXX '' debt. Every time I contest it, stating that this is NOT my debt. Each time it gets resolved and the conclusion is that I do NOT owe this debt.
Last year, approximate XX/XX/XXXX, ERC claimed the debt on my credit reports with XXXX XXXX XXXX I disputed the claim of debt. I contacted XXXX and engaged in a dispute claim of false debt report from ERC. XXXX did their own investigation, concluded that ERC attached this debt on my credit reports in error, and XXXX removed the false debt off of my credit report. The Confirmation # of XXXX XXXX investigation conclusion report # is XXXX, XX/XX/XXXX.
Today, XX/XX/XXXX, I received another letter from ERC stating that I owe this " XXXX debt '' ; account # XXXX.
I immediately contacted CFPB for help to resolve the harassment from ERC.
|
| 03/28/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Enhanced Recovery Corp has been unscrupulous in their dealings with me. They submitted a claim on my credit reports for the amount of {$830.00} for XXXX. Mind you, this debit is almost 5 years old and was from an account set up from an unknown location. Before inserting their claim as a collections on my credit reports, they have to date provided absolutely no documentation, nor have they tried to contact me. They have also not validated this debit as mine.
I have been a resident of Florida all my life. When trying to contact them, my calls are either not returned or they simply do n't answer my questions. This debit is fraudulent and I have advised the credit bureaus of this. However, Enhanced Recovery has been un responsive and I am beside myself. I demand that they remove this collections from my credit bureau reports immediately.
Thank you in advance for your assistance in this matter.
|
| 10/26/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX Enhanced Recovery Company , LLC, placed am account on my consumer credit report without send me a noticed pursuant to 15 usc 1692g. i called, spoke with a woman she said they only sent me two emails. not one letter was sent. I am entitled to receive accurate and verified documentation that substantiates the validity of the reported debt. Enhanced Recovery Company , LLC has Failed to provide the requested validation within five days after the initial communication with a consumer, it is considered a violation of the FDCPA. I want to emphasize that I am fully aware of my rights as a consumer and my eligibility, as permitted by federal and state law, to file this dispute. I also acknowledge that any knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001, and punishable as perjury under 18 U.S.C. 1621.
|
| 05/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I noticed this account from Enhanced Recovery on my credit report and the original creditor is XXXX XXXX for the amount of {$280.00} that they say it was opened on XX/XX/XXXX like it's a new account. This same account and creditor was disputed twice with two prior collection companies XXXX XXXX XXXX sent a removal letter datedXX/XX/XXXX which they removed from my credit reports and the other company XXXX sent me a collection noticeXX/XX/XXXX and the dates did not add up so XXXX removed the account off of my credit report. Now Enhanced Recovery has purchased this account and added it to my credit report like it's a new debt which is not legal because one it has been discharged in my bankruptcy and I no longer owe anything on this account and it's not a new account. This is affecting my credit and I would like Enhanced Recovery to remove this off my credit report with all three credit bureaus
|
| 10/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of ID theft, I have tried to deal with this company but they refused to reply to me.
I request a block of this account according to XXXX code XXXX XXXX of information resulting from identity theft ( XXXX XXXX ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX XXXX XXXX days business days after the date of receipt by such agency of : Beginning ( XXXX ) business days after receipt of information described in paragraphs ( XXXX ) through ( XXXX ) of subsection XXXX a ) a check services company shall not report to a national consumer reporting agency described in section XXXX XXXX p ), any information identified in the subject identity theft report as resulting from identity theft.
|
| 08/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
ERC : Enhanced Recovery is reporting on my credit file, for one, I never got a 30 day right to dispute or any notification, they just put it on my report. Also they are collecting for XXXX whom I do not owe .... I signed up for XXXX awhile back because they promised me they have coverage where I live, which is very very rural. They said I would have service and no roaming fees. So I switch, well my first bill was $ 1100+ because everything was in fact roaming, they do not provide coverage in my area I found out after speaking with a manager. So I do not owe this bill, they are lying to customers and doing bad business. I would pay what my normal bill should have been but I will not pay for extra fees in which I would have never had if I did n't switch over with them promising me I would have coverage. They need to be investigated as they have hundreds of thousands of complaints regarding this
|
| 04/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
For the past years, I never received any letters with a collection notification of account that was charged off. I found out about the account years later after trying to obtain a mortgage. I tried contacting the ERC collection agency and settled with them. To my knowledge the agreement was that I would settle a one time payment if the account was deleted off the credit reports. After three months, I still see the account on two of the bureaus, XXXX and XXXX. I have numerously attempted to contact both XXXX XXXX XXXX and ERC about the account. They could not give me information about the account since it was years old. Moreover, they customer service representatives were rude and did not help me in any way. I am complaining for the lack of interest in of their part. Not only did I not get any letter of the account being charged-off but when we settled they did not comply with the agreement.
|
| 06/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I began getting calls from Enhanced Recovery Company ( ERC ) maybe two or three years ago at this point. During one of the calls, I asked the agent to verify if the account belonged to me and he just hung up. The calls stopped and I didn't think much of it.
Maybe 1 month ago, I got a call from ERC. The agent asked who he was talking to and I told him who I was and proceeded to move towards getting me to pay money for a bill he was trying to collect on. I was driving at the time and the call was dropped.
I happen to check on my credit report for a different matter and see that ERC has reported the debt to the credit bureau 's. They have never validated the account with me or sent me anything in writing to do so.
I'm willing to bet, there's been other complaints about this company but if not this is the information about them I could find on the web : XXXX XXXX XXXX, XXXX, FL XXXX XXXX
|
| 11/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The original creditor which is XXXX has placed this on my credit report 2years ago with a collection agency called XXXX, XXXX in XXXX I disputed the account it was investigated and removed from my reports, now XXXX it is back on my report by another collection agency by the name of Enchanced Recovery collections. If this was investigated and removed from my reports they should not be able to see it and placed on my account again this is causing a real hardship in my life. It is very stressful and it causes so much stress in people lives to have to keep dealing with this kind of head ache. I have never received any documentation from XXXX or enchanced recovery. But I do have proof that it was on my account in XXXX and did not show up on my XXXX credit report again until now XXXX. XXXX. Please have this removed off my reports immediately. I will also be filing a report with theXXXX XXXX XXXX
|
| 01/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
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}
|
| 11/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 11/04/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have had this bad debt on my record and have contacted XXXX XXXX XXXX many times about it. The amount is for canceling my phone contract and they say I never turned in phones. I did and proved it and somehow this collection company got it anyway. So then I contacted Enhanced Recovery Company and was offered a settlement and agreed to it. When I went to pay they said they have no record. I challenged this debt twice and have been given the run around. They have threatened suing me and garnishing my wages even when I tried to come to a agreement with them. My credit have now been effected for yeas over their fraudulent activities. I have tried many times to clear this debt and only been spun by this company.They just lie and spin us and refuse any reasonable offers.
ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX, FL XXXX I want a resolution to this so I can fix my credit and buy a home.
|
| 09/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage.
|
| 12/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Over the course of the past year, I have received numerous calls from ERC ( a debt collection agency ) about an unpaid XXXX phone bill in the amount of {$480.00}. This debt was incurred by someone living in a different area of XXXX, Fl. Inspite of my denial of being the responsible party, my stating my address ( at which I have lived for the past 30 yrs ), and providing the last 4 digits of my SSN, they persisted in calling. AT NO TIME did I receive any written notice of debt. While checking my credit score I noticed that my XXXX credit score had dramatically fallen. Upon further investigation, I discovered that ERC had filed a collection notice with XXXX.
I disputed this action with XXXX and the XXXX ( XXXX ). XXXX backed ERC. The XXXX investigated and found in my favor. ERC sent a letter to the XXXX basically saying oops its not our fault. To this date I have not heard a peep from ERC
|
| 06/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/2021, at XXXX XXXX ERC called me asking me to verify my identity. After asking the representative several times who she was calling on the behalf of, she stated ERC. I wasn't familiar with the acronym ERC. I then ask her what did ERC stand for, she demanded I verify my identity before she would give me any more information.
After the phone call ended I did research and found that the company ERC was a debt collector. According to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 USC 1692c ( 1 ) At any unusual time or place or at time or place known or which should be known to be inconvenient to the consumer.
15 USC 1692c ( 3 ) At the consumer place of employment.
|
| 10/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
For the last 12 months XXXX has been selling this account to various collection agencies. XXXX of them to be exact. I do not owe XXXX anything. I had service with them and I paid my bill then closed my account. I then had service with another company. XXXX came and picked up the equipment and gave me a receipt. First XXXX claimed that I owed the amount for the equipment then I produced the the receipt. For the past 12 months they claim its for service. I produced the bill for the new cable company with the installation date on it. With each collection agency they change the XXXX account number but the amount is the same {$1400.00}. The last agency added XXXX cents. It has been added to my credit report at least 5-7 times. This harassment has to stop. I ended my service with XXXX XX/XX/2014. No early termination fees. No last bill. My balance was {$0.00} before I disconnected my service.
|
| 05/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report in XX/XX/2020 and seen a ERC Collection/XXXX which account I never had so I wrote a letter to Validate debt with original signed contract to the CRA 's for validation neither the CRA 's or ERC send me valid proof of a debt that is not mine. ERC sent copies of a bill from XXXX that I never seen even with phone records which is a breech of private information sent to me ad validating the debt. No signed contract. So I proceeded to right XXXX again for their proof of validation which they never sent what proof they have to validate the debt. The debt collector ERC even reported an address I never lived at in XXXX VA and I have proof of that which is another law they broke. This company ERC has violated my rights amd broke numerous Federal Laws according to FCRA and FDCPA. They have no record of my Social Security or any relevant findings that validate this debt.
|
| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received XXXX services about 5 years ago. It did not work properly with the dvr and other functions so I called them to fix the problem. They sent a couple tech reps out to fix the problem with out resolution. I called them numerous times top fix the problem but no one showed up. I called to cancel the service. They wanted to fix the service and said they would charge me an early termination fee if I canceled. A XXXX representative showed up and could not fix the problem. I canceled the service after numerous attempts to fix it and months without the correct service I was paying for. I was patient and feel I was robbed. They quoted me a price the XXXX month and it almost doubled by the XXXX month and was still getting no service. They have turned me into the credit bureau and I am disgusted and do n't know who to turn to for help. I do n't understand how they can get away with this.
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, 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
|
| 07/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There is information that is on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made an error, or is my request to block being made on the basis of a material misrepresentation of a fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ENHANCED RECOVERY CO L XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
|
| 01/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I have been called repeatedly for at least 6 months by a caller ID identifying itself as XXXX, NJ and a phone number. I never picked up as know no one in XXXX. Today they called and left a message : '' Hello we have a message from ERC. This is a call from a debt collector. Please call XXXX and provide the following reference number XXXX. Thank you. '' I think this is a scam as I have no bad debt. I just got my XXXX free credit reports that I am allowed per year and none say anything about any collections due.
I am worried that they may damage my credit so I want you to get them to realize they are wrong and to leave me alone.
Thank you for any help.
I will also put a free fraud alert with one of the credit reporting companies so that they will share that to the other XXXX.
Cheers, XXXX XXXX PS I am also on the Federal Do Not Call List so they are in violation for that too.
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
At this XXXX XXXX XXXX retail store where this account was created not XXXX single employee held the particular salesman accountable. I called within XXXX days ( trial period ) to either inquire about why my bill was no where near the XXXX $ I was told the total would be with the plan and XXXX device payments or I would cancel. I was informed by customer service rep that since I purchased in store I had to call the exact store to return. Store refused to let me return stating they only will take the devices within a XXXX day period ( not true according to website and rep on phone ) and even tho we were brand new customers it didnt matter to them for any kind of trial on the service period. It was even within XXXX days that I tried to cancel. I still stopped service within that XXXX days but direct location store wouldnt take devices due to their own reasoning that made no sense.
|
| 05/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/XXXX : I called ERC to pay a supposed debt of {$220.00} with XXXX XXXX XXXX, XXXX. An amount of {$230.00} is shown as paid and cleared on my credit card statement as of XX/XX/XXXX.
Fast forward 2+ years : I receive a collection letter out of the blue dated XX/XX/XXXX for the exact same debt I paid in XXXX. I find this very suspicious. I called an ERC representative, XXXX XXXX, at XXXX PST on XX/XX/XXXX and she confirmed that the amount was indeed paid, but then told me that particular office is closed and that I should call back and speak with someone on Tuesday. I find it very strange that the office would be open ( until XXXX EST on Saturdays, according to the letter ) but still can't resolve an issue for which they are clearly in the wrong. Regardless, I am filing a report for receiving a threatening debt collection letter for something I do not owe. This is illegal.
|
| 05/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I found out through my credit report that Im in collections for a debt I previously reported as not mines in XX/XX/XXXX from XXXX XXXX it was removed from my credit report. Now it seems Enhanced Recovery Co L has started to report this on my credit report on XX/XX/XXXX as I stated earlier I didnt have an account with XXXX cell phone carrier so I dont know why they are steady trying to get money from me for a service I didnt have. I also want to know what cell phone carrier let 's a bill reach to {$5300.00} before cutting it off that seems like a shady business practice. I want this derogatory remark removed from my report ASAP. I also called and reported to XXXX in XXXX of XXXX that I received an alert about my social security number being used in Colorado for phone services ( I live in XXXX ) the person I talked to told me someone tried to get phone service but was denied.
|
| 06/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a recorded message saying that a party had filed charges against me and I had to call them back immediately. When I called they would not tell me who the party was or what the charges were and they told me to call another number. When I called the second number, they brought up an old phone bill from roughly 12 years ago. The original debt was with XXXX. I asked them what they were talking about, how could they threaten to arrest me over a 12 year old debt. I told them it was beyond the statue of limitations and I did not even think their conduct was legal. They laughed at me and hung up. That debt soon appeared on my credit report as if it was a new debt. I tried to dispute it, but XXXX verified that it belonged to the company that had contacted me and told me I was going to be arrested. The company 's name is ERC. They are located in XXXX, Fla. The number is XXXX
|
| 02/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
This collection agency is calling my employer and telling them I need to call them or they will arrange some sort of wage garnishment. I have called them back and learned that the date of birth and social security number they have do not match mine. They just have my first and last name and only my employer phone number which is easy to find since I am on google and am a professional in the community. I have had contact with them 3 times and each time have told them their information does not match mine and they are looking for the wrong person. I have told them to stop calling my employer and they have proceeded to call and continue to fish for information from the business office at my employer. I owe no debt and have an immaculate credit record and score and also a common name and I should not be subjected to harassment from a company that clearly has the wrong information.
|
| 10/22/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was looking over my credit report and I received a notification on XX/XX/2018 from " XXXX XXXX '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " enhanced recovery collection '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for enhanced recovery collection to be deleted immediately. This is illegal.
|
| 08/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is an account showing on my credit report from a company named XXXX XXXX XXXX XXXX XXXX. ( ERC ) It's showing a past due balance from XXXX for {$150.00}. I've never had an account with XXXX. Someone gained access to my Driver 's License in XXXX. A Validation letter was received from ERC on XX/XX/XXXX from me asking to show proof that it was my account. On XX/XX/XXXX, I received a letter in response to the request including old billing statements. On the billing statements, it shows my name but it shows an address that I've never lived at and it also shows mobile numbers that I've never had. They did not provide any type of contract or signature showing that this is my actual account. The is affecting my credit negatively and they will not remove it. I'm being punished for an account that is not mine. I am not in any way responsible or have any knowledge of this account.
|
| 05/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was looking over my credit report and saw an account that was placed in collection, and was reported to XXXX.
I did not opened that account.
I contacted the collection agency and told them I know nothing about that account, and I need them to have it removed.
They refused to comply with my request.
they gave me a name and address of the person who opened the account in my name.
I do not know this person.
This person lives in another state.
This collection agency has damaged my credit by not doing contacting me to verify if I was the person named on the account before reporting to the credit bureau.
This is a deliberate act to damage my credit, because they never once called or written to me to collect the account they said I owed.
Furthermore, they knew my name was different from the person on the account.
So why damage my credit when I didn't opened that account.
|
| 05/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Received fro m ERC a settlement opportunity on XXXX XXXX , 2017 for an original balance due of {$640.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to ERC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, ERC has never produced original signed chain of assignment ( if applicable ) and/or any credible evidence and/or circumstances that resulted in such an original balance due made on me at this time.
4. This information erroneously appears on all ( XXXX ) credit reporting agencies and I have asked XXXX to dispute such claims with no response from ERC.
5. As such, all such information should be deleted from all ( XXXX ) credit reporting agencies.
XXXX XXXX
|
| 10/06/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
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.
|
| 02/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX FORMERLY XXXX XXXX VERTERAN AND PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTARCT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE TREMOVED!! this company is committing fraud AND ILLEGAL ACTIVITY BY RE-AGING A NON LEGITIMATE DEBT!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTROEMNY GENERAL, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS COMAPNY DSICRIMNATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND IS PREVENTING ME FROM GWTTING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS ASSAULTING XXXX PERSONS.
|
| 11/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This dispute and investigation is for Enhanced Recovery. I had phone service with XXXX XXXX and was ending my contract with them and I was charged twice for a payment on my card. They continued to bill me for a third time when I explained they already received two payments. They continued to pursue me for compensation and I refused to pay because I was already charged previously. The account went to collections which it should NEVER have, and I disputed this file and had it removed a couple times from my report. Enhanced Recovery has since appeared on my report owning the same debt which was placed in a collections status plummeting my credit score. I needed it to go away to save my credit score so I paid the balance AGAIN in full in XXXX 2016 to get rid of the collections status. This account is still on my report and in collections status, I demand it be removed for good!
|
| 03/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a call from E.R.C. on my cell phone. They were trying to collect a debt from XXXX XXXX from XX/XX/XXXX. This account was paid in full. They had my name and mailing address, and even told me a balance due. I told them I would call back.
Upon returning their call, they asked for my social, which I refused to give out over the phone. They then told me that they could not discuss my account without my social security number. I told them to stop calling me if they could not discuss my account without information that could be verified without personally identifiable information. I have never received a letter, reference number, or any further correspondence until today ( XX/XX/XXXX ).
I have researched the company online, and there are numerous complaints regarding their questionable practices.
The number from which they contacted me : XXXX ( XXXX XXXX XXXX, USA
|
| 08/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Enhanced Recovery Company is trying to collect a debt from me for XXXX XXXX {$940.00} and XXXX XXXX XXXX {$760.00} I have never used anyone of these services in my life. The only services I have ever used was XXXX XXXX, XXXX XXXX ( XXXX until XXXX ), XXXX XXXX ( XXXX to present ). This is the first I have heard of this I haven't received any bills from XXXX XXXX or XXXX XXXX XXXX on this matter. The only reason I discovered this debt I open up my account on XXXX XXXX and seen XXXX XXXX and XXXX XXXX XXXX in collection. If you check my credit report I only have one account open on my credit report because all my life I paid for everything in cash. I am pretty sure it was identity theft but this need to be cleared off my credit report and pursue who ever done this or I would be force to file a civil lawsuit on Enhanced Recovery Company for harassing me on a debt isn't mines.
|
| 07/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I sent a letter of dispute to a collection agency named XXXX XXXX XXXX ( ERC ), in regards to an account that they have been reporting under my name and social security number, with an amount of {$1300.00} which they claim I owe them, to all 3 credit reporting bureaus, with an open date of XX/XX/XXXX. In this letter, I requested validation of the debt, including sufficient evidence showing that I in fact owe them this debt. I do not believe I currently owe them this debt, nor have I ever owed them this debt. I have not received such validation, nor any relevant correspondence from this company, including an initial collection notice. I have sent 2 follow-up letters since then, dated XX/XX/XXXX, and XX/XX/XXXX, to which they have not responded. I believe this is a violation of the Fair Debt Collections Practicing Act, as well as the Fair Credit Reporting Act.
|
| 04/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a collection notice from ERC dated XX/XX/XXXX, stating that I owe a balance of {$630.00} to XXXX XXXX XXXX XXXX ( XXXX ).
I responded to ERC with a letter on XX/XX/XXXX, stating that I never received any services from XXXX, and that I was disputing this collection notice. I demanded that they send me a copy of any validation or judgement they claim to have regarding this alleged debt.
I received a written response from ERC dated 3XX/XX/XXXX, that provided me with a copy of an invoice from XXXX dated XX/XX/XXXX in the amount of {$290.00}. The invoice showed services provided to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX-XXXX. I have never visited or lived in XXXX IL. I have lived in the state of Nevada continuously since XX/XX/XXXX. This matter appears to be a case of identity theft.
XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX NV XXXX-XXXX ( XXXX ).
|
| 09/19/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
IN XXXX of XXXX I sent a letter to ERC ( Enhanced Recovery Company DBA ERC/ Enhanced Resource Centers ) requesting a validation of debt reported on my credit report. ERC responded by sending me a unofficial history of payments from an account dated XXXX. There was no payment history sent from the original debtor, XXXX, nor was there any signed original contract to render services as I had initially requested. Further the dates showing services used by XXXX were dates in XXXX when I DID NOT have XXXX as a service provider.
Furthermore, the corresponding letter indicates a " link '' to a Customer Service agreement which DOES NOT show my original signature.
The information I requested from this creditor was NOT sent and now I am demanding this account be removed from all three credit bureau reports. Clearly they are not able to provide the information to verify this debt.
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
I learned after attempting to apply for a new loan my credit score was being effect by a collections agency for XXXX XXXX for {$51.00}. ERC is the debt collection agency.
I did not know of this debt at all it's from a disconnect in XXXX and it was sent to collections in XXXX and this is the first I have known about it. I need to clear the matter so they settled it for {$33.00} and I asked for a letter that this is paid in full and that it will be removed/deleted from my credit. They refused only saying they don't do that and that they would send a letter confirming paid in full. I'm disappointed as this hampers my opportunity to get a loan at 2.275 % now my rate will be 2.99 % just because they would not be willing to note in the letter that this would be removed from my credit.
I am very upset this is the only report on credit. Can you help. I did pay it off today XXXX
|
| 07/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Hi there, I have contacted this company ERC multiple times, asking them to remove the {$160.00} charge for internet service from my credit. I do not owe them any money. I have spoken to XXXX XXXX XXXX on two occasions and both times they have told me that the debt has been/will cleared because I am a long standing customer.
XXXX XXXX XXXX has shady business practices, if one moves apartments, they create a new account for you and never cancel the old account.
My original account was with XXXX XXXX XXXX.
I have picture evidence from both the XXXX XXXX XXXX chat, XXXX and XXXX credit bureaus. All have told me that the charge has been removed from my credit.
XXXX has yet to remove it from my credit report.
XX/XX/2020, is the 1st time, and XX/XX/2020, is the second time I spoke to XXXX XXXX XXXX. XX/XX/XXXX I got a letter from ERC about my debt to them. This is ongoing.
|
| 03/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XX/XX/XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt.
On XX/XX/XXXX I was notified by my XXXX app that ( ENHANCED RECOVERY ) been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with ENHANCED RECOVERY. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt from ENHANCED RECOVERY.
|
| 02/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have had so many problems with Enhanced Recovery Corporation, approximately 4 days ago I got an alert telling me my credit report had dropped by more then XXXX points due to a new collection. Since I havent had any new collections show up in years I was confused. I honestly do n't even have any knowledge of owing the original creditor ( XXXX XXXX XXXX ) any money at all. On or around XXXX XXXX, XXXX Enhanced Recovery Corp removed this collection from my report ( or sold it to another company ). Then XXXX XXXX removed the same collection account on or around XXXX XXXX, XXXX. And again XXXX removed the same account from my report on or around XXXX XXXX, XXXX ... and now its showing up as a new account and dropped my credit score over XXXX points. There has to be some kind of law about this, especially because I never even got any notification to contest or deny the debt.
|
| 09/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In XXXX, I turned in all my equipment to XXXX XXXX and paid all balances due ; I was not late nor did I owe and past due billings. I even ask the CSR if there would be any further billing. Two months later I received a {$60.00} bill, I immediately disputed the bill. Six months later it showed up on my credit report. I disputed the bill and it was removed in a timely manner.
IN XXXX XXXX XXXX turned the bill over to Enhanced Recovery Company of XXXX, FL. I disputed the billing immediately. Instead of investigating or contacting me, they files a collection on my credit bureau reports and that decreased my score substantially.
I have sent ERC a letter to have the item removed and I have had no success. I need your help with this matter as this is unfair and incorrect and should be removed and finalized and I should not have to deal with this every few years over and over.
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX has placed an account as derogatory on my credit report and placed this account with ERC collections on XX/XX/XXXX stating there was an account opened with them on XX/XX/XXXX this was also reported on XXXX and XXXX but then gave a different date reported to XXXX stating it was opened XX/XX/XXXX it is apparent that there is an inaccuracy here on dates. I have no knowledge of this account or any agreements made with XXXX or ERC the address on file is not my address. I have requested any signed contracts to validate any agreements to this debt from ERC Collections they stated they do not have any of these documents to prove this debt in accurate or belongs to me. I am requesting this account is immediately removed from all credit bureaus due to inaccurate information, inaccurate opening dates and lack of evidence validating this debt.
XXXX account # provided is XXXX
|
| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my equifax report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below.
XXXX XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO NAME ID XXXX XXXX ON XX/XX/XXXXREPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XX/XX/XXXX REPORT
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| 04/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Enhanced Recovery inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from Enhanced Recovery has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.
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| 06/19/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ERC Reference Number XXXX | Original creditor : XXXX XXXX XXXX ERC and XXXX XXXX XXXX continuously attempt to collect a debt from me that is not owed from an account that is not mine and refuse to provide any evidence of any contractual relationship between myself and them beyond a bill attributed to a " XXXX XXXX '' at the address " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX '' despite that I have NEVER so much as been to the state of California, nevermind EVER residing there. XXXX XXXX is a common name combination and ERC and XXXX XXXX XXXX are negatively impacting my credit and are harassing me as a result of their own negligence. I do not owe XXXX XXXX XXXX/ERC the alleged debt. I never held the address alleged by XXXX XXXX XXXX/ERC, or any California address for that matter. XXXX XXXX XXXXXXXXERC refuse to provide any evidence of any contractual relationship.
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| 06/24/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have contacted Enhanced Recovery Services located at XXXX XXXX XXXX | XXXX | FL | XXXX over 50 times starting XXXX XXXX to present to delete a negative credit reporting on a fraudulent XXXX account. On XX/XX/2020 XXXX issued a letter of deletion to the bureaus and directed ERC to remove immediately as it was under ERC name. XXXX is no longer a client of ERC and therefore I was not required to pay ERC any money. I have also requested a full refund but have not heard or received anything from. As if this date, the negative reporting is on all 3 bureaus. I have tried to contact their corporate office called The Office Of The President but it goes straight to voicemail after 15 attempts. I am in escrow since XX/XX/2020 and this has caused a severe delay in closing my loan and is causing me a financial hardship, as well as a low credit score affecting my loan approval.
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| 05/20/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is a debt that was paid off before I even received services with XXXX XXXX again. ERC says I owe them {$330.00}. This is impossible since I settled with ERC the first time my account was in collection, paid {$100.00} to pay off that account on XXXX / XXXX / XXXX . Which was a true debt. I 've called them many times to try and get this settled, the person on the other line knew it was n't a true debt and always credited my account. Then the {$330.00} would keep reappearing on my account with no end. Now it is in collections for the second time even though I had already paid it off. I have no access ( because of XXXX ) to my account with them so there is no way for me to look up anything related to my debt charges. In the attached documents below, there are payments that add up to {$330.00}. My last payment was the {$100.00} for the debt settlement.
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| 05/01/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been a victim of ID theft throughout the years, I have filed several police reports and most recently a FTC ID Theft report. I have made several attempts to handle this directly with ERC but they are unwilling to work with me on this situation. They still insist on reporting a fraudulent XXXX XXXX XXXX debt to my credit report. I have furnished them with letters, police reports, ect to prove my case. Nothing has been done. Nothing. The amount on my credit report states its for {$490.00}. I have NEVER had an account with XXXX XXXX XXXX . This account is fraudulent and the company knows that and still willing tries to collect and report it to the credit bureaus. Attached are police reports and a copy of my FTC report. My ID theft is ongoing so I am keeping up with these issues as they pop up. Please give me your cooperation this time.
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| 09/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This is a XXXX debt that has circulated among collection agencies. I have sent dispute letters each time that I do not owe this debt. I have never subscribed to have XXXX service nor have I ever authorized anyone to open an account in my name. I have requested proof that I opened the account and that I have ever made payments on the account but all they do is switch to another collections agency. Then the new agency puts it on my credit report. This is really annoying. I should not have to keep disputing a debt I do not owe. If there was an account started in my name, they should figure out who was paying it and go after them. I DO NOT OWE THIS DEBT. I will greatly appreciate any assistance you can give me to stop this madness. The current collections company is ERC ( Enhanced Recovery Corp ). I have disputed this with XXXX because it is showing on my credit report.
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| 11/19/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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My husband and I are being called repeatedly by XXXX different debt collection agencies. XXXX collector says they are trying to contact a person with a different last name, and if we are not that person, just hang up. We have hung up repeatedly, but they just keep calling and calling, often more than once a day. I tried calling them to complain, but their XXXX number was busy.
The second agency says it is ERC, a debt collection agency in XXXX FL, but we suspect it is someone else pretending to be them, as they are using a different number. They give us a case number and tell us to call back, but we have not done so, because we have an excellent credit score, and KNOW we do not have any debts that would be in collection. Besides, we have friends and neighbors who have been harassed by people like them for months, claiming that debts are owed when they are NOT owed.
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| 10/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
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| 09/05/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/2018 - I found proof of payment for a debt posted on my credit report by XXXX / XXXX XXXX XXXX in the amount of {$180.00}. I submitted a dispute and proof of payment which resulted in the account being removed from collections and updated on my credit report.
XX/XX/2018 - XXXX/XXXX XXXX XXXX reported once again for the amount of {$180.00} on my credit report again, causing my credit score to drop several points.
I have already researched and provided proof of payment and documented evidence that this account was paid - I respectfully ask that this account be removed again from my credit report. The collection was reported erroneously for a second time and ask that it be deleted completely from my records.
The following company has caused serious delay in securing a mortgage due to their errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
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| 01/20/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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ENHANCED RECOVERY has listed on my credit report, the following information : Sprint with the Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX.
I have disputed this several times and have had it removed and they continually keep putting it back on my report with a new dates. I have an open an active account with XXXX Acct # XXXX who now owns XXXX and this is the only account that I have or have ever had. I never opened an account with XXXX and any that states otherwise is completely fraudulent. I need Enhanced Recovery to cease from adding this to my account after disputing this and having it removed.
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| 01/14/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
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| 09/23/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After multiple calls over several months where no messages were left, I finally answered a call from XXXX. A man with a heavy accent said he was a collection agent from company called ERC. He said I owed over {$700.00} to XXXX for unpaid balances in 2019. Wanted me to pay it immediately over the phone. At some point he mentioned an email address he has on file for me- which was not right. So I told him he was calling the wrong person. Then he proceeded to recite the last four digits of my SSN and my home address - which were not wrong! I ended the call quickly at that point.
I checked my credit reports and found that ERC had filed on two of the three agencies. I have disputed the claim and locked my credit. I called XXXX to ensure my husband 's account is in good-standing- it is! And I also confirmed that my name and credit were not on that account- it's not!
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| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
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| 02/22/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This was a dispute about charges on my XXXX cell phone account years ago. I tried to resolve the problem with the company but they were not open to discussion and sent me to collections. I a hard working person and pay my bills but when I am getting overcharged and the company will not work with me to resolve the issue and just sends me to collections. I do not feel that is fair. I would request that this Derogatory Mark be removed from my credit report as I tried to work with XXXX but they just sent me to collections and I do not have a contractual relationship with this company ERC and do not owe them anything. Please remove this from my credit report.
The Second Mark on My Credit report is a Lein placed on my account in error. As you can see it was placed on my account and removed the sale day. Please remove theses Derogatory remarks on my Credit Reports.
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| 09/27/2016 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with my lender or servicer
- Trouble with how payments are handled
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Web |
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ERC is a debt collector for XXXX. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.
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| 05/17/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently noticed the following collection account on my XXXX AND XXXX consumer credit report : ENHANCED RECOVERY SERVICESXXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. Please note that copies of statements are not valid proof of a dispute.
The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.
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| 10/24/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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|
Web |
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On XX/XX/XXXX, a phone call from a company that pretended to be Enhanced Recovery Company ERC - a debt collector called me Another phone call from the same number came on XX/XX/XXXX. This time I did answered, and the voice asked if my name was XXXX which I responded with a question, who are you? the person asked me if I've had bought or acquired in the past a vacation plan I did reply, I'm not interested on vacation plans and finished the call On XX/XX/XXXX, I did call the real ( legally authentic ) ERC, to get answers on their phone call. The ERC rep stated that they do not have anything on me. No reported collection or anything. So, it was a scammer call pretending to be ERC Immediately, I contacted an identity protection company, which helped me to place a " Fraud alert '' on my credit.
Please advise on anything else I can do on this situation Thank you.
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| 04/23/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
|
On XXXX I agreed to pay {$180.00} with ERC for a debt. In return ERC agreed that the debt would be satisfied and release all claims. ERC cashed the check but as of XX/XX/2019 the items were still showing negative on my XXXX and XXXX credit files. I disputed the item and it was removed from XXXX on XXXX. The negative item was still showing on XXXX so I called ERC on XXXX the first representative told me it would take 45 days to be removed. I then spoke to a representative on XXXX and was told they can not remove the item. So I started disputing the information with transunion .But XXXX was still showing the negative item even after I showed proof the cashed check and the item being removed by XXXX XXXX Since that time Ive sent certified mail to XXXX to dispute this item but I still have no proof from XXXX or ERC that the information they have is valid.
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| 09/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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This supposed debt was with originally with XXXX XXXX XXXX in XXXX of 2016. I disputed the debt requesting for validation and I never received any response and that collection agency deleted the debt from my credit report. Suddenly, I pull my credit reports in the month of XXXX and notice that a new collection agency had reported this debt and never sent any sort of notification prior to doing so. On XXXX XXXX, 2016 I mailed a certified letter to Enhanced Recovery explaining they had never sent any notification denying my consumer rights and reporting the item without proper notification and time frame to dispute the validity and I also requested validation from this company. I have confirmation my letter was received on XXXX XXXX and I 've still yet to hear anything from them but the supposed debt remains on my credit file and is hendering my credit scores.
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| 03/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Servicemember |
|
I've received multiple calls from XXXX XXXX on my cell phone. Each time they ask for a person named " XXXX '' who doesn't have the phone number. The calls include local call spoofing attempts ( very frequent ), XXXX, and even XXXX. I've repeatedly asked them to put my phone number on their " Do not call '' list but they just hang up on me then call me over and over again.
I filed a complaint against them about two years ago for the same activity to which they sent a letter promising to never do call my number again. They are doing it again.
They are also using a robo-calling device to call my cell phone. This is also illegal.
I've found that they are a debt collection company known for using sleazy tactics in order to collect debts that are not owed. I do not owe any one and am not in debt. No one named " XXXX '' is associated with me or my phone number.
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| 01/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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|
Web |
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I had a payment plan back in XXXX that was supposed to go from now on to pay off the debt with the original collection agency and then I noticed that none of my transactions for biweekly payments were processed. that being said I contacted XXXX XXXX the debt collection agency and they told me XXXX XXXX XXXX recalled the account debt. This new debt agency had failed to contact me via cell or my mailing address accurately however the old debt collector did and so when I contacted the new collection agency they told me they tried to contact or notify me and they put it on my credit report as delinquent as when in fact I have been attempting to make payments so as a result my credit score has suffered greatly. My previous debt collection agency had no information on the new collector whos name is enhanced recovery company and they also increase my debt total
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| 03/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I am a victim of identity theft and noticed a collection from I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recover in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
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| 01/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
On XX/XX/2019 I moved and closed my account with XXXX. I paid the account in full including their early termination fee. Then 4 months later I get a bill from XXXX ( which I don't have an account with ) saying that I owe an additional {$100.00}. I call the company and ask for documentation showing I owe an additional {$100.00} and they just said it was owed and I have to pay it, I refused to send it. Then since I refused to pay they send it to a collection agency. With a host of illegal scams out here today anyone should be cautious about just paying creditors who don't provide proof of an account with charges. I was already going to cancel the service because of the lack luster products and service as well as their terrible customer service. After this experience I will definitely go on a campaign to inform ALL consumers not to buy ANY of their products!
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| 11/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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The debt collector was not forthcoming in establishing the reason for the call and claimed to be recording the call for training purposes but the nature of the questions and desired answers were very suspicious. They seemed to want to corner me into saying certain phrases and words or as opposed to an organic question and answer conversation. The methods were similar to unorthodox methods used by fraudulent debt collection companies in the past that recorded strategic parts of a call to construct false narratives and claims in order to pursue unnecessary and exaggerated ( and often illegal ) actions. I told the debt collector that I had just returned to the United States and had reached out to the original company ( XXXX ) earlier in the year to handle the debt. They were not satisfied with that answer, became insistent that I was stalling and I hung up.
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| 10/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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i received an alert on my XXXX, XXXX & XXXX credit report that a collection was added on XX/XX/XXXX. The company XXXX XXXX XXXX XXXX and the amount is XXXX. I have attached communication from ERC on XX/XX/XXXX confirming that the account was open fraudulently and the account does not belong to me. They did delete the information from my credit report IN XX/XX/XXXX but they are now re adding the information back onto my report IN XX/XX/XXXX and THE ACCOUNT STILL DOES NOT BELOW TO ME!! THE ACCOUNT THEY HAVE IS FOR SOMEONE ELSE THAT FRAUDULENTLY USED MY SOCIAL SECURITY NUMBER! AS YOU SEE IN THE NOTICE THEY STATED A " XXXX XXXX '' WHICH IS NOT ME AND THE CONTACT INFORMATION THAT IS NOTED IS NOT MINE! THE COMPANY IS DOING FRAUDULENT THINGS BY REMOVING THE DEBT THAT DIDN'T BELONG TO ME AND THEY ARE NOW RE ADDING THE SAME DEBT WHICH THEY ARE NOT ALLOWED TO DO!!
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| 07/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Enhanced Recovery Corp. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Enhanced Recovery Corp. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Enhanced Recovery Corp. In this case the debt should be removed from my credit report and out of the office of Enhanced Recovery Corp. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.
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| 11/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I checked my credit report yesterday, and Enhanced recovery Co LLC added a collections account for {$640.00}. I was never notified via mail about any debt owed to this company. I was suppose to receive written notification of any attempts to collect debt PRIOR to it being reported as a collections account. I have no signed contract with this company. This is not my debt. I do not know who Enhanced recovery is. My rights under the FDCPA have been violated. I will take immediate legal action against this company. I want Enhanced recovery Co to Cease and refrain from reporting false debt to all credit bureaus. I want Enhanced recovery to immediately remove this false reporting from my credit file with all credit bureaus. My credit character and credit worthiness has been defamed! I will follow up with immediate legal action against Enhanced recovery Systems
|
| 10/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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On XXXX I received a credit monitor alert from my monitoring service for Enhanced Recovery Collection original creditor is XXXX XXXX, With Date started as XXXX, I attempted to called them to stay on hold numerous of times nobody knows anything, I got someone to give me more information after requesting a manager or supervisor. I File a fraud claim with them they gave me number to XXXX i call unsuccessful but i have since file to online disputes of Fraud, They gave me the service address which i have never been affiliated with, nor even know anyone that is, 8 states over. Its a hassle to get XXXX on the phone 3 days i keep getting put on hold 1.5 hrs one day 46min next day, I just need this info off my Credit ASAP, I never received any Phone calls or Emails or Letters about this account, It just mysterious appears on my Credit Report one day. XXXX to XXXX
|
| 07/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Servicemember |
|
Everyday in the month of XXXX XXXX and XX/XX/2021 ENC has been harassing me, My family members and any contact they can find and they refuse to send me proof that they own the debt. They have called and left messages with family repeatedly even though they have asked them not to call. They will ask family if they are me and refuse to remove their phone number. They will laugh in the phone when asked. They call my phone and minutes later I will get phone calls from family on a debt they have not proved that they own or is authorized to collect. This debt is over 4 years old according to them and I still have a phone plan with this company. The same number that they call me on with XXXX. They call more than 3 times a day to me or multiple family member including my XXXX year old. I have continusily block numbers and they call on new ones. I need your help
|
| 08/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I received notice of an account with XXXX XXXX in XX/XX/2022 in the amount of {$1700.00} and it appeared to be open in the summer of XXXX. This was first statement and it was months past due. I have 1 XXXX account with Mobile and home internet and a second account for a second residence. Both of these accounts are current and I pay every month and don't need a second account for mobile services because all my phones are on my current account. I reported it as fraud and identify theft with FTC and with XXXX and then put a fraud alert on credit bureau. I have provided XXXX fraud affidavit, ID showing myself, and the filing with FTC. They continue to deny it is fraud and keep reactivating it on my Credit Bureau. Their system is so convoluted that they only allow for you to submit the information through a portal and you are not allowed to talk to anyone.
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| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I sent a letter out XX/XX/XXXX to XXXX, XXXX, and XXXX is my tracking number XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back.This is not making any sense. According to the law 15 U.S. Code 1681i- Procedure in the case of disputed accuracy.If the completeness or accurancy of any items of information contained in a consumer 's file at a consumers reporting agancy directly, or indirectly though a reseller, of such dispute, the agency shall, free of charges, conduct a resonable reinvestigation to determine wheter the disputed information is inaccurate and recored the current status of the dispute information, or delete item from file in accordance with paragrah ( 5 ) before the end of the 30 day period beginning on the date which the agancy recived the notice od the dispute from the consumer or reseller.
|
| 07/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
In XXXX of 2009 I called XXXX and placed an order to provide/connect my home with DSL Internet Service. After ten days XXXX send their Tech Rep to my home, but he Could Not connect the DSL Internet, claiming that my home is not equipped with the proper jack and the cost to connect the service would be {$150.00}. I called ATT right away and told them that if they can not provide DSL Internet to my home then I am CANCELLING MY ORDER. They said that I still owe them {$55.00} which is the price/cost of one month of DSL Internet Service. How can I be BILLED for Service which I have NEVER HAD!? Could you please explain to me What I did Wrong in this situation and WHY do I owe {$55.00} to ATT? I would not agree to pay them even {$1.00} and would NEVER again order Any Services from ATT. Please let me know if you have any other questions. Thanks & Regards, XXXX
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| 06/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
ERC continues to attempt to collect a debt that doesn't belong to me. I have already disputed this debt. They agreed to close it. Now I receive a letter stating that they have been authorized to report this account to the credit bureaus. They are playing around, this isn't my debt, and again, they keep saying that they have closed the account and they haven't. I am not paying a debt that doesn't belong to me. My next step will be to sue them for the max that the law allows if they do not close this account and stop trying to collect on an account that doesn't belong to me. This is NOT my debt.
First they sent this to my parents house at the end of last year. I disputed it and they agreed to close the account. Now they are back at it. This is the last time that I will dispute this. I will hand it over to an attorney if I see this on my credit report.
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| 01/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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ERC Corporation, is in violation of 15 U.S.C 1692-1692p. On 2019 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ERC Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. The individual calling did not want to provide information to me that would help me to understand the propose of his call.
I was unable to talk at the time of the initial call, so i called back and spoke with a young man by the name of XXXX. I verified with him my name, and the number in which i was calling from. upon locating a reference number, XXXX was able to provide the for reference number without me providing him with additional personal information. XXXX apologize for the way i was treated and would investigate the matter further.
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| 01/30/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have a debt for {$2000.00} that is held by XXXX XXXX XXXX ( ERC ). They called my mother on Friday, XX/XX/XXXX, around XXXX XXXX pacific time. They asked if there was other contact information for me, which they are allowed to do, but then XXXX XXXX left a message with my mother to be forwarded to me, asking for me to call them back at XXXX, using reference number XXXX, saying I needed to call back within the next two hours because XXXX would be gone after two hours. Then, on Saturday, around XXXX XXXX, XXXX called my mother, again, asking to speak with me. My mother told her that she had relayed the message and there was nothing more she could do, but my mother should not have even had to be bothered with relaying a message that sounded like it was urgent, nor should she have been harassed with a second call. My debt is my issue, not my family 's.
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| 10/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NM XXXX, XX/XX/2019 ERC, XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dear ERC, I am responding to your contact about collecting a debt. You contacted me and identified the debt as being in collections on my credit report. I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Thank you for your cooperation. Sincerely, XXXX XXXX
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| 01/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
A year ago I started getting phone calls at home for someone not living at my home. I told the first caller there was no one with that name at my home. The calls continued, but I never answered and turned off my answering machine. On XXXX XXXX XXXX, I received mail for the unknown person, which was a collection notice from ERC, a collection agent for creditor XXXX XXXX XXXX XXXX. My city does not have XXXX as a provider for any utilities. I logged a complaint with the XXXX, since the local police could not assist as identity theft had not occurred. I have been receiving aggressive phone calls from several different callers as the debt may be going from one collection agency to another. On or about the week of XXXX XXXX XXXX a second letter addressed to the same unknown person was sent to my home address and I returned the mail to the sender unopened.
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| 08/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I have tried disputing this charge with several debt collectors through the last couple of years. Now, I have received a letter from ERC saying that I owe XXXX XXXX XXXX {$6300.00}. I have never had an account with XXXX XXXX XXXX, do not currently have an account or plan to have an account with them in the future. I wrote a letter to ERC telling them that my identity was stolen in 2018, that I have been disputing all the charges that accumulated by the person who used my identity and for this to be removed from my name and not pursued for this debt that I did NOT do and ensure that it not be on my credit. I sent in a copy of my original FTC report and copy of my drivers license with all my current contact information. No one responded and when I spoke to the last company, they were accusatory and did not accept any of the information I was offering.
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| 12/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Canceled XXXX subscription. Several months later, XXXX withdrew a monthly payment from my checking account. A call to XXXX resulted in an immediate refund. Several months later, I began receiving letters from debt collectors trying to collect the refunded amount. There is no debt. XXXX confirmed over the phone that there is no debt. However, Enhanced Recovery Company , LLC, XXXX ERC and/or Enhanced Resource Centers continues to claim the debt is valid and verified. Company has yet to provide any proof of validation or verification besides a simple printed output from their computer system. No proof from XXXX was provided, more than likely because it does not exist. This is in addition to sending letters to previous addresses, in and attempt to intimidate and embarrass, although they have receive correspondence and verification of my current address.
|
| 07/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this ERC ( Original Creditor : XXXX XXXX ) was reporting to be negative on XXXXn and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 01/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have received a letter from ERC- debt collection company saying that I owned XXXX/ XXXX XXXX {$5400.00}.
I requested and filled out the fraud packet with police report and notarized affidavit. Months went by and I got a new letter from ERC dated XX/XX/20 which said they were authorized to collect {$2900.00}.
ERC said the XXXX denied the fraud claim because my correct mailing address was used for the fraud account. Name on the ERC letter is my maiden name with my current address. I legally changed my name to my married name roughly 11 years ago. I did not live at my current address with my maiden name.
I have contacted XXXX. They told me to file a report here. I have contacted ERC. They said they are the middle man for XXXX.
ERC said that they moved account back to fraud status but could not give me the next steps for getting this resolved.
|
| 07/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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|
repeated phone calls by computer. I would answer phone and no one would be on the line, I would have phone calls in my voicemail that no one left a message. All the calls were identified by my caller ID so I know what one 's were from the same company. after a month or 2 of this I received a letter demanding payment for a debt I didn't owe. The next time the number showed up I would answer and no one would answer when I answer the phone finally today I just stayed on the line until someone finally came on it took a while but after getting company online they said I owed money to it was confirmed that I didn't owe any money. I felt harassed by their computer calls that I kept answering when there was no one on the phone or no message on my voicemail. This could have been solved with the first call if it had been a person calling me and not a computer
|
| 05/09/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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In XXXX XXXX , I went to a Third Party XXXX XXXX for an upgrade on my XXXX phones. The next day I cancelled my plan with this dealer and went to The XXXX XXXX in XXXX , NY. What I discovered throughout the months of having my new service is that I was still paying for the lease in the first phone from the Authorized dealer. I brought this to XXXX XXXX XXXX XXXX attention and they said they would look into it. It was a few months of getting no where with them. Finally, somebody from there resolutions Depart stepped in and credit my account. Two weeks later the charge was back on my bill. I was so frustrated, I just cancelled my service in XXXX XXXX and went with another carrier. I wrote to the collection agency and never received a response. I have ALL receipts and paper work from this transaction. Please advise.
|
| 12/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I received an attempt to collect a " debt '' in the mail from Enhanced Recovery Company , LLC ( ERC ). The letter stated " Dear CURRENT RESIDENT : Your recently disconnected XXXX XXXX XXXX account has been forwarded to us to assist you in the resolution of your balance due. Enclosed is a summary of your remaining charges. Please contact us today at the number provided below to pay your balance by phone. Thank you. '' I spoke with a representative at XXXX XXXX XXXX and they informed me that I currently have a XXXX balance and no outstanding balance from my account has been sent to collections. The representative forwarded the issue to XXXX XXXX XXXX 's fraud department.
I then called ERC and the representative was unable to give me the specifics of the debt and they did not know my name, the representative knew me only as the " Current Resident ''.
|
| 08/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I called XXXX XXXX to see why I was being put into collection.XXXX XXXX told me it was for non returned equipment.i had returned this equipment.erc is the collection agency I contacted them to let them know I had returned the equipment and they said there was XXXX dollar late return fee I have not seen a contract with this on it with my signature.this is an added fee that I need a copy of the contract that states this.the man at erc said if I don't pay he will report to the credit beaureas.i informed him this was a violation of frca rules and I was contacting the cfpb.he said it could be resolved if I payed him today or he would report to the credit beareaus.this man was rude and abusive.under frca rules he can not report to the credit beareaus while this is disputed.he needs to be held responsible for his behaviors this was all on a recorded line.
|
| 04/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
In XX/XX/XXXX I purchased a mobile phone and plan with XXXX from XXXX XXXX. This contract expired in XX/XX/XXXX. XXXX continued to bill the plan and phone. I tried several times over the next 2 months to get them to cancel the account. Each time I was told a identity code would be sent to my email address and the rep would call back in 15 min. This never happened. The last time I spoke with an XXXX rep I told them I would not pay the fraudulent amount and I considered the account closed. I was then threatened with litigation. XXXX finally terminated the account but refused to cancel the fraudulent charges. Since then this account has been passed between collection companies, each fraudulently reporting it as a delinquent account. Each also offers a significant discount if paid. This is pure extortion. The latest company jump on this band wagon is
|
| 03/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was applying for a mortgage and I discovered on my credit report a {$110.00} debt from years ago owed to XXXX. I have never been contacted by XXXX nor the debt collector and I also have never even had an account with XXXX. I called XXXX, who referred me to the debt collection agency, and they provided an account number. When I called XXXX with that account number, they acknowledged that the address they had on file was one that I had never lived in. Further, they do not have my social security number or any other of my personal information on file, confirming that I have never had an account with them. However, they are still making me jump through hoops just to attempt to remove this debt, including filing a police report for " identity theft '', when in reality my identity had not been stolen as my personal information has not been compromised.
|
| 08/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I PULLED MY CREDIT REPORT ON XXXX TO FIND NOTHING BUT COLLECTION COMPANIES REPORTING TO ALL THREE CREDIT BUREAUS OF ACCOUNTS THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED NOTICE OR PHONE CALLS REGARDING THESE ACCOUNTS. THE COLLECTION COMPANIES ARE AS FOLLOWS : 1. XXXX XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 2. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 3. XXXX XXXX - ACCOUNT T-MOBILE ( NO KNOWLEDGE 4. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) THESE TWO COLLECTION COMPANIES ARE REPORTING THE SAME ONE ACCOUNT AND IT APPERAS THAT XXXXXXXX XXXX XXXX HAD THE ACCOUNT FIRST AND THEN SOLD IT TO ENHANCED RECOVERY. XXXXXXXX XXXX FELL TO STOP REPORTING THE ACCOUNT, NOW THERE IS TWO COLLECTION COMPANIES REPORTING THE SAME ACCOUNT.
5. XXXX XXXX, XXXX -ACCOUNT AT & T ( NO KNOWLEDGE ) 6. ENHANCED RECOVERY ( NO KNOWLEDGE )
|
| 06/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There is this account in collections on my XXXX credit file that I do not recognize, the account is showing with a status of in collections but the problem is that I never had an account with this company called ERC or XXXX XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2016. I have disputed this account with XXXX and for some reason they tell me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
|
| 06/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This account was opened through fraudulent means, my personal information was use without my consent to open and establish credit. Approximately XXXX years ago when I was applying for a home loan I discovered this account with XXXX had been opened in my name without my permission to someone claiming to be me at an address I have never resided. I reported it to the credit reporting agencies, XXXX, XXXX and XXXX the negative information was removed for a couple of years only to reappear. Since this first incidence another account wit XXXX appeared on my credit report and I received a letter from the collect agency handling the account, I telephoned that company and explain this was a fraudulent account use my information with an address where i have never resided and was told I would receive no further attempts from them and the matter was resolved.
|
| 04/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX I paid my bill with Att off completely and CLOSED the account. I transferred all my devices to XXXX. XXXX had to unlock all my devices for me to switch them to XXXX network. On XXXX all my devices were activated on my XXXX account. My bill was paid to zero. If I didnt pay my bill owed they would not release my devices. They have now sent me to collection saying I owe them {$68.00} for my watch still being active on their services but it was not. Ive contacted XXXX back in XX/XX/2020 when they sent me a bill and told them that account was closed on XX/XX/2020 they said theyd fix it and apparently they never did. It is now on my credit report and I dont owe them nothing. The new creditor calls me all day harassing me. Ive told them I have proof and was willing to send it in. Theyre not trying to hear me. I need help getting this cleared up.
|
| 01/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a letter from ERC/Enhanced Rseource Centers ( XXXX XXXX XXXX, XXXX, FL XXXX ) stating that I owe {$160.00} to an account with XXXX. This account was closed in 2006 and was paid in full. I have NEVER received any communication stating otherwise and it has not shown up in my credit report. I contacted the company and they insistent that I pay the amount and offered different payment methods but I adamantly told them that this account was closed 15 years ago and was paid in full and that I didn't intend to be harassed into paying anything I didn't owe and to only be told about it 15 years later. They insisted that I pay the amount and that it hadn't been reported as of yet to the credit agencies. I notified them that I would be contacting the credit agencies and file a formal complaint against them for this miscarriage of debt collection.
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX Account # XXXX Enhanced Recovery XXXX Account # XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX and have violated several of my rights.
15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 02/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to an transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 04/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
ERC is attempting to collect {$200.00} for a sprint phone bill. We had sprint for 1 month only. This can be easily verified. We signed up under a no obligation trial promotion. This is verifiable by googling sprint free trial etc. we cancelled and were told by a manager we would not be responsible. The is extremely ridiculous considering the OWE ME MONEY. They took our XXXX trade ins and we never got them back after we cancelled. XXXX fails to tell you that when you do the trial promo. So we lost our phones to XXXX, had to pay XXXX for them, and now they are trying to collect a months bill from me for a promo I shouldnt be responsible for anyway AND THEIR SERVICE DID NOT WORK IN OUR HOME! I cant move because of this collection affecting my credit score. This is an erroneous collection. Ive attached photos that show old excerpts about the promo.
|
| 10/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I opened up an account with XXXX XXXX cell service for service for my son and myself. I had the account for approximately 2 months when I got a phone call from the company stating that they had lost their roaming partners in the area I was working in. The company restricted my phone service in that area and told me that they needed to cancel my contract and that I needed to turn my phones back in. I followed these instructions, turning phones in to the store in XXXX, XXXX. Now the company is saying that I owe them XXXX for services and equipment which is false, they made harassing phone calls and false accusations and then placed this false record on my credit report. I am not sure how to fix this problem but it is an unfair practice since they cancelled my account I should not be held liable for any contractual fees.
Thank you, XXXX XXXX XXXX
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I moved from XXXX XXXX XXXX and I cancelled all my XXXX XXXX XXXX XXXX services and returned all the equipment. I made sure with the representative that everything was paid with a zero balance. When I applied for a loan in XXXX I was told XXXX XXXX/ERC had placed a derogatory collection amount n my credit report, I never received any calls, mailings etc and when I called the ERC representative she said that she could not send out any documentation to prove their claim, that it was all only her screen. When I called spectrum they dais they can not send out any information because it was being handled by the collection agency ERC. Bottom line I paid everything there was a zero balance and they are giving me the run around with ZERO documentation that I owe them anything.
I want this collection account removed from my credit report immediately.
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I recently refinanced my house through XXXX XXXX ( did not have a problem with XXXX XXXX ). They showed a debt of {$1300.00} and was told I would need to pay the debt and the money would be taking out of my balance from my refinance.
The title company sent me a check for the balance of my debt of {$1300.00} ( that was taking from my balance ) and was supposed to send to ENHANCED RECOVERY CO L. The debt I was supposed to pay was from XXXX XXXX I've never had XXXX XXXX, I contacted XXXX XXXX and they confirmed I have never had a contract with them.
ENHANCED RECOVERY CO L was just interested in collecting the money and did not care if I ever had a XXXX XXXX contract or not.
I'm in the process of contacting both XXXX XXXX and ENHANCED RECOVERY CO L.
ENHANCED RECOVERY CO L has never contacted me about this debt, the debt goes back to XXXX
|
| 07/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
to whom it may concern : you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
|
| 04/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
i recently obtained a copy of my XXXX and XXXX credit reports and saw that enhanced recovery had listed an negative account on both my XXXX and XXXX credit reports without sending a dunning letter. after I filed a complaint with the XXXX on XXXX XXXX, 2015 they sent a letter with a copy of bill which does not include whether they purchased the debt I specifically asked for all documents showing that they are allowed to attempt to collect and the original contract of the debt they are trying to collect to see if I actually owe this debt. They have been reporting this on my credit report since XXXX. I requested for them to remove all negative information as I do not believe I owe this debt ad they did not provide the information that I requested and they stated that they would send the credit reporting agency status as I am disputing this debt.
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX XXXX posted a collection on my credit report that they purchased from another collection agency ( ENHANCED RECOVERY CO L ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company. I called XXXX directly to tell them that a drug addict individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted couple of years ago when I will living at the old house. There is no way to track him down or known his where about. I didn't know about until last year.
|
| 06/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
on XX/XX/2020 I sent out a request for the Collection agency to provide me with validation of date. I told them to include a copy of the judgement in writing, complete accounting of debt which includes loan amount, payments, interest, and any fees associated with the loan. I also requested that they provide me with the original contracts with signatures.If not provided to me then I am requesting deletion for violation of the FDPCA. On XX/XX/2020, I received a notice from ERC stating that they provided me with requested documents. Upon receipt I noticed that they actually did not send what was requested and are using stall tatics instead if providing what I asked of them. I do not believe I owe them anything, especially if I cant be provided what are my debt is reporting to the bureau. Please assist I have attached all documents for reference
|
| 02/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... your company has a large amount of fraud charges on my credit report that is not accurate s with loans on my report and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! The amount was for XXXX for enhanced recovery company if you would contact me regarding this matter I will greatly appreciate it thank you!
Thanks XXXX XXXX XXXX Sent from my XXXX
|
| 05/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I owed XXXX a cell phone bill for {$540.00}. I paid the collection agency Enhanced Recovery Co LLC in XXXX FL. I paid the debt in full before the due dates for payment. I was told that with in 30 days they will update as paid in full to the credit reporting agencies. As of the date of this complaint they have yet again verified the debt and are not showing it as paid in full. After I yet again disputed the debt on XX/XX/2019. This debt has been paid in full since XXXX XXXX a full 90 days from the time I paid and they are still validating the debt. I called and asked them to stop validating as it goes against debt collection practices. They only want to argue and refused to remedy the problems. I can submit bank records to prove the debt was indeed paid. As you see on both bank statements ERC from Florida is the collection agency I paid off.
|
| 06/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX, I received a letter from ERC about a collection account with XXXX XXXX for {$460.00}. This account was open in XX/XX/XXXX and closed in XX/XX/XXXX. After reading and going through my accounts with my fiancee, we decided to send a debt validation letter to the company, ERC. On XX/XX/XXXX, I sent a debt validation letter to this company. After waiting for a response to the alleged claim, I received several alerts that a new collection was placed on my credit report. ERC placed the collection on my ( 3 ) credit reports before validating the debt. Upon further review, I contacted ERC as to why the debt wasn't validated and no immediate answers were given. All they claim that they were contracted by XXXX to collect the debt. As a record keeper, This debt was bought from XXXX XXXX back in XXXX and not from XXXX XXXXas they claim.
|
| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX referred a debt of {$61.00} to a collection agency without notifying me that the debt was ever owed. I logged into my XXXX account via their website and at no time or do this day does it suggest I owed any money. It displayed a XXXX dollar balance. They referred this to a collection agency which never contact me about it either. Collection agency : XXXX XXXX XXXX -XXXX FL XXXX reported this as a collection account for 6 months ( starting XXXX ) to all the credit bureaus without contacting me regarding this apparent debt that I was not aware existed. Negative financial and career impacts from having negative informaiton on an otherwise clean credit history is significant. This item needs to be deleted from all three credit reports as many laws were broken regarding notification of debt and also notification of collection account.
|
| 06/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have been contacted by ERC multiple times sinceXX/XX/2019, each time I haven't anwser the phone and no message have been left. On XX/XX/XXXX, after the third call I looked up the phone number and found out it was ERC, I filed a complaint with the XXXX asking for my number to blisted on their internal DNC list. on XX/XX/XXXX I recieved a leeter from letter from ERC 's counsel through the XXXX complaint center stating they would place me on thier DNC list. since then I have been contacted at work on the XXXX and today the XXXX from the same number and voice message left stating why and who their trying to call. the XXXX complaint number is XXXX. ERC has been contacted to not contact me through the phone and have continued to do so after stating they wouldn't. Also, as far as I know I owe no debts so I have no clue why they are calling.
|
| 03/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I ordered XXXX over the phone in 2016 over the phone we had agreement on a price for services but then when I receive my bill it was totally different they repeatedly wanted me to agree to new terms and agreements that we 're not in my favor I thought I was being taken advantage of over the phone they would keep trying to renegotiate a plan that was unfair I felt like they were stealing from me I cancel the service and they threatened to charge me {$340.00} disconnection fee if I did not stay with them they tried to bully me to keep their service but I disconnected it. They said part of the disconnection fee was for the equipment the XXXX XXXX on top of my house which they never came back to get also I asked him to give me the document or the recorded message stating that I agreed to a {$340.00} disconnection fee they could not show proof
|
| 07/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I contacted Enhanced Recovery Company LLC after i was attempting to enter into a new relationship with a mortgage company and discovered that this collection agency had an open past due account with the credit bureaus in relation to my ssn. I contacted the company via certified mail XXXX 2015. I received no response within the required XXXX days, so I informed the company via certified mail that they were in violation on the federal law FDCPA 807 ( 8 ). I began to call the agency multiple times as a desparate attempt to resolve this negative mark that is preventing me from my mortgage approval. I received the attached letter in XXXX 2015 and that is the last communication between myself and the creditor. I informed them with several letters and multiple phone correspondances that I need this account to be validated or removed NO RESPONSE!
|
| 06/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2
|
| 05/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I had an account put into collections by XXXX. ERC is the company that collections account was sold off to. To date they have sent only one letter in the mail. I responded to the letter within 1 week of receiving the letter. They have been harassing my phone line, calling VOIP, using spoof numbers in my area and when I answer they hang up directly. My phone number is not a toy to be played with as I conduct business on this line. I've set up payment arrangements and have spoken to multiple people about removing my phone number from their registry and they still continue to call me. I've submitted forms online and nothing happens. I've called them back every single time they call me which is every day and tell them to remove me from the registry. All the way up until the day of this complaint and a payment plan HAS ALREADY BEEN ARRANGED.
|
| 01/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
For some years now this has been popping up on my credit reports. Have disputed in the past because my sister whose name is XXXX XXXX has on multiple instances taking my identity and used it to get bills like gas electric water and cable wherever she would be staying. I thought I had this taken care of 2 years ago but it popped back up 6 months ago. Now it is time that we are looking for a home and I I just called and paid XXXX XXXX to there collections department. Not too ERC group. I have contacted all letting everyone know that this was my sister taking my identity. I did not go as far as getting a judgment against her for taking my identity I have just been paying for it. Like I said I paid for it on XXXX XXXX 2018 direct to XXXX collections department. I would like this removed from my reports as soon as possible.
Thanks XXXX XXXX
|
| 10/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have had something appear on my credit for {$390.00} -- it was from Enhanced Recovery and they have advised that the original credit was XXXX XXXX XXXX .. it has an opened date on my credit report of XX/XX/XXXX I have tried to call the company and explain that this was not my debt and that my service has been with another company for over 8/9 years -- they did mail me something but it was not anything with a signature or anything proving it was me.. it was like a final bill from XXXX XXXX XXXX -- I need this removed -- i also tried on XX/XX/XXXX to dispute it through XXXX and it just came back as verified correct -- but it is not.. and they refuse to provide proof of the original debt -- They did have a bill but without a signature on something it is my feeling that this could have been anyone -- and they are still reporting negatively
|
| 11/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
on XX/XX/2022 a company called ERC reached out to me about a debt from XXXX XXXX. They told me I owed a debt from 3 years ago, which confused me because I am still an active XXXX customer. I called XXXX, they said the debt was for old equipment which I didn't give them back after moving, I called back ERC and paid the debt.
My wife then told me she paid for setup and the tech took the equipment. XXXX has since verified it does in fact have our equipment. They " accidentally '' sent me to collections because they never even checked their own systems at any point over 3 years for my equipment. XXXX is now refunding what I paid ERC but is being extremely difficult and told me it may only refund me in prepaid gift cards. However my credit score dropped XXXX points on XX/XX/2022 over a false debt which XXXX should have caught much earlier.
|
| 10/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/21 ECHANCED RECOVERY CO L, Flagged my credit reports, Damaged my FICO SCORES UNLAWFUL! I have not run my credit except for of me in the process now to buy a home, this wasnt on my credit up until XX/XX/21!
They are illegally reporting something that i complaints to you guy about before!
Suspect & Company information : Name : Enchanced Recovery Co L Address : XXXX XXXX XXXX, XXXX fl, XXXX Phone : ( XXXX ) XXXX XXXX Victim information : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX Phone : ( XXXX ) XXXX Im a responsible individual and Im ignorant about this false claim of {$950.00} and need it off my credit report Asap. I cant provide any other information because i am ignorant. to give because I dont have any knowledge!
It is illegal to damage someone credit wrongfull!
I need it gone off my Credit report asap!
|
| 03/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a bill from ERC about an account not paid with XXXX XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX XXXX and this is not my debt. I have had no prior notices from XXXX XXXX XXXX XXXX and this is " out of the blue ''. I also read online that this same thing has happened to other people also billing from XXXX XXXX XXXX XXXX that is not their bill from this same company and that they have many consumer complaints. I assume this is a scam. I do not want to reply to the company to encourage them to continue.
I am XXXX years old. I should not have to deal with this fraud.
This is the information from ERC : Account number XXXX ; Reference number XXXX the amount of XXXX due to XXXX XXXX XXXX XXXX.
I do not have an account with XXXX XXXX XXXX XXXX and I have never had an account with XXXX XXXX XXXX XXXX.
XXXX XXXX
|
| 12/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Back in XXXX ERC stated that I owed original creditor XXXX XXXX XXXX equipment fee of {$100.00}, they posted it negative to credit bureau 's. I disputed this and proved to the credit bureau 's that I paid the account in full, so ERC agreed to take the negative report off, I also told ERC not to contact me back in XXXX.
Now ERC Has called called me twice in 2 weeks and sent me a collection letter for the same account from XXXX XXXX XXXX recently.
I called XXXX XXXX XXXX ( now called XXXX ) and spoke to XXXX XXXX ID ; XXXX on XXXX XXXX XXXX, she verified that I paid this in full on XXXX XXXX XXXX account # last four : XXXX.
ERC keeps on contacting me on this settled account please help me with this or inform me on how to take further legal action against this company.
I very frustrated with dealing with this every couple of years.
|
| 11/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Enhanced Recovery Systems has taken on a debt that is not owed to them. Pursuant to 15 USC 1692 ( g ), neither Enhanced Recovery Systems nor XXXX XXXX has ever sent me the 5 things that are needed to validate a debt. The company chose to instead assume that I, the consumer would agree to this debt. I do not agree that this debt is mine and believe I am owed compensation for failure to properly notify or authenticate.
Company is in current violations of the following : -15USC 1692 ( k ) -15USC 1692 ( g ) -15 USC 1602 ( f ).
Should this company not remove these delinquencies from my credit profile, I will have no choice but to sue both Enhanced Recovery systems and XXXX XXXX.
Company has never done business with me or anyone of my name or likeness.
Company has repeatedly denied disputes to have this removed from my credit profile.
|
| 10/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have advised all debtors that I was unemployed for 7 months in XXXX. Started a new job XX/XX/XXXX with decrease in annual salary for two years and was recently terminated in XX/XX/XXXX. I notified all current debtors and attempted to work out some alternative regarding making payments in which a couple agreed others wanted me to pay debt in full regardless. I just started a new job two weeks ago. I have no idea of who Enhanced Recovery or ERC is I am only aware of the name by the caller ID on my phone. I receive several phone calls daily by ERC or Enhanced Recovery every day Monday to Saturday they call multiple times per day from different numbers and states but leave one voicemail threatening to complete wage garnishment papers under my name and social security number and place a lien on my checking account if I dont contact them.
|
| 03/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
ERC, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same.
Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company.
Once on XX/XX/XXXX and once on XX/XX/XXXX.
I have attempted to speak to someone at ERC but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full.
When I called back about this I was to keep calling it till someone picked up.
They refuse to put me in touch with whoever might be able to help me.
I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.
|
| 03/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I ordered a XXXX account. When I attempted to install the box, the account could not be set up on the system. After numerous calls, I was forced to give up and returned the equipment. I never received a bill to this day. Last year I noticed a collection company had posted a notice on my credit bureaus. I was never contacted to confirm if the charge was valid. After numerous efforts including contacting your agency, the notice on my credit reports was removed. This affected me for many months. Now once again a new collection agency is posting a collection on my credit report ( agency name ERC opened XX/XX/2020 in the amount of {$490.00} ). Once again I was never contacted to confirm this was an actual valid debt. If you review my credit reports I pay all my bills perfectly and on time. I am being deliberately harassed. Please help me.
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
|
| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by ERC ( representing XXXX ). They told me that i owed them money, and since I do have collections on my credit report that I am currently making payments on, I agreed to a set of terms they laid out. After I got home, I checked my credit report and my debt with ERC had already been settled and the collection was disputed on my XXXX credit report and removed on XX/XX/2016. I called them back and they informed me that they would forward the information to XXXX and I would not be charged. I was in fact still charged on XX/XX/XXXX in the amount of {$110.00} that shows it was charged by XXXX. I have made two attempts to contact XXXX and have not been successful in resolving the issue. The financial department had me on hold for 30 minutes during my lunch hour, and I 've sent an email that I have not gotten a response to.
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
ERC Enhanced Recovery Company was paid a total of {$200.00} for an old XXXX XXXX XXXX account which I paid on XX/XX/2022. I have XXXX letters from ERC showing my payment was received and the account was settled. I am and have requested multiple times for them to removed/delete this from my credit report and they have failed to do so. I have called them and have be redirected to contact XXXX XXXX XXXX which I have and was told they dont handle this since it was given to ERC. I have called ERC back asking for this to be removed they have told me they cant do this and I have to handle this myself reaching out to XXXX which I have but I am still waiting. I really need help with this as I am trying so hard to get approved for a home loan and this XXXX collection that has been taken care of it all comes down to this.
Thank you so much.
|
| 06/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Collection agencies transferring a debt I do not owe and ruining my credit. Their original client XXXX XXXX fraudulently extended a contract after the person had moved to other citty and had returned the equipment. The fees were paid automatically thru a credit card and it was stopped when the person ( my aunt ) due to severe illness was moved from XXXX XXXX to XXXX and later passed away.
I have extensive correspondence with the collection agency and the credit bureaus but since the deb was transfer to one and another my credit is being impaired.
I will be glad to supply all the correspondence sustained with all concerned. And like I asked the collection agencies, lets take it to a court of equity and let a judge decide. I think this is the way we settle conflicting matters. In this case I ask for your help to protect my cretit
|
| 10/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On or about XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX stating I owed them XXXX.
I responded with a debt validation letter request sent on XX/XX/XXXX. In that validation letter I requested to see the original contract with my signature on it binding me to this debt.
ERC did not respond by sending the original contract with my signature but instead with a bill that that appears to be fraudulent. I have used a red pen to specifically point out the inconsistencies in the bill received. The bill amounts, the fonts, dates, inconsistent information and formats are different from each other.
I want ERC to be mindful that I reserve my rights to file charges and complaints with FTC and appropriate county, state and federal authorities if the documents received are willfully and deliberately misleading and false.
|
| 04/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I was notified by my credit agencies that I had a New collection account posted. I was shocked because I've never had a collections account. I did research and noticed that the collection company " Enhanced Recovery company '' posted the account for the original creditor " XXXX ''. This specific debt they are referring to was discharged during my Chapter XXXX no asset Bankruptcy in XX/XX/2015 and now 4 years later this company is illegally attempting to collect this debt and unlawfully posting this collections account to all 3 credit agencies. I've spoken to a representative and manager who showed not much desire to help me. I've attempted emailing them via their contact portal on the website and have not heard from them regarding their unlawful actions! Please help resolve this matter as it is affecting my credit very adversely!
|
| 10/29/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/ I have received a phone call from a debt collector from Florida ( Enhance Recovery Company ( XXXX ) XXXX XXXX ) in regards of an XXXX account with a total balance of {$610.00} that was opened under my personal identity without my consent. I have never opened an account under my XXXX XXXX XXXX cause my current XXXX XXXX XXXX Plan is still under my parents. Its also the same company contacted me from last year XXXX month of XXXX with the same issue. I payed the previous one with the amount of XXXX $ knowing that i have never opened an account on XXXX XXXX XXXX just to avoid any stress due to the collection that was showing on my Credit Report. I also tried to contact XXXX XXXX XXXX but they weren't cooperating. I hope this time somebody will help me cause i have been stressing out of these fraud and scammers. Thank you!
|
| 07/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Received a call on XX/XX/XXXX from ERC debt collector. They said I owed {$2000.00} and the debt was from XXXX XXXX XXXX XXXX. The debt was from XX/XX/XXXX. This was the first I was hearing about it. I also called the XXXX XXXX XXXX fraud dept to report this and completed the forms.
I let them know this was not my debt, the name on the debt was in my maiden name.
Last year someone used an ID with my maiden name and opened a XXXX acct and a XXXX account as well. They attempted to open an account and purchase phones at XXXX in XXXX of XXXX, but because I am a XXXX customer they called me to see if I was in the store purchasing phones and I let them know I was not. They informed me someone was in the store using an NV driver 's license with my old name and also an old address of mine and my SSN. The DL number did not match however
|
| 04/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to call my unlisted phone number. I am on the do not call list. I do not owe any debts. They have been calling repeatedly. They did something similar a few years ago with a different number when I did not owe any debts. When I called them at that time they tried to obtain my personal information like my social security number. I would not give them the information and evidentially they quit calling. They have started calling again on my new number. They are probably calling the wrong person again but I am tired of this company repeatedly calling me when I owe no debt. I have a credit rating of XXXX. When they call it is a recording and there is no one to tell to quit calling. I would like to have the harassing phone calls stopped. They need to find the correct phone numbers when they are calling for a debt
|
| 07/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I submitted a dispute with ERC in XX/XX/XXXX. XXXX # XXXX and ERC Ref # XXXX. In response to this dispute, ERC stated that letters beginning XX/XX/XXXX, they sent out two notifications for debt that were returned back to them due to an incorrect address. They stated that they sent notification two years later in XX/XX/XXXX ; however, I never received this noticed nor the right that I had to dispute the debt. I find it very shocking that a debt collector in a three year period would only send a total of 3 notices of debt and to notify me of my right to dispute. ( see attached letter from ERC ) It is hard for me to believe that ERC truly wanted to notify me of my right to dispute this debt or to validate the debt, given they only sent 3 notices. Which they acknowledge didn't go to the right address and the third I never received.
|
| 05/20/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I cancelled my service with XXXX via phone in XX/XX/2016 and made sure my account was paid in full. I never received anything from them again. not a single bill. so I assumed it was cancelled successfully. A year later, I see my credit report and there is a debt collector on there trying to get money for XXXX ( {$510.00} ), saying I never cancelled. I explained what happened to them and asked them to investigate. They said they verified with XXXX and nothing they can do. I then contacted XXXX and they said they'd open an investigation but I never heard back and when I called them back again, they said they had no record of the investigation being opened!
I disputed on all my credit reports ... to no avail.
I asked XXXX to provide me with statements or some type of evidence and they could not.
Nor could ERC collection agency.
|
| 01/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
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.
|
| 08/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX has discharged my debt to a collection agency who is writing to offer a reduced settlement. I have tried both the phone number provided as well as the website provided to contact the company to request a copy of the original signed contract, as is my right. The phone number provided ( XXXX XXXX ) only asks questions related to sales of devices targeted to the elderly. After completing all the prompts the line eventually disconnects, therefore you are never allowed to contact the actual agency in order to arrive at resolution. The same practice is employed by the website provided ( http : //ssp.ercbpo.com ). Not only is this false representation but the fact that you are subsequently bombarded with service products targeted specifically to the elderly is horrifying, this is predatory business practices at its lowest form.
|
| 01/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have tried to get Enhanced Recovery to send me over proof of this debt and they have yet to do so. I have tried to despite this with XXXX also and they keep saying the debt has been verified but want provide me with the proof Im asking for if its been verified by Enhance Recovery. Its looking like they cant prove this debt and thats again all my right. I have been trying to get this debt settled since 2020 with both Enhanced Recovery and XXXX this is looking like fraud since neither one of them companies want to provide proof of this debt they claim I owe to Enhance Recovery. They letters I send off to Enhance Recovery regarding this debt they want even respond at all and thats again the law. I understand they have a 30 day investigation to do and send proof of what they claim I owe on the debt they have on my credit file.
|
| 09/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I received a collection notice from ERC XXXX Enhanced Recovery Company ) in XXXX, FL, and it appears that XXXX is billing me {$260.00} for a service I never received. In XXXX 2014, I ordered internet service from XXXX XXXX and they set up an installation appointment. No one ever came out to my residence to install XXXX XXXX internet service. I waited three weeks after the installation appointment thinking they would call me to reschedule ; however, they never called so I called them and XXXX of their sales agents told me they did n't even have service in XXXX XXXX, Texas, and that they would cancel the order. The original sales agent never told me they did n't have service in XXXX XXXX, Texas. Just to summarize, I never received any type of service from XXXX and I have a collection agency called ERC trying to collect a debt.
|
| 11/15/2023 |
No |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Many years ago, I contacted AT & T by phone, regarding a collection that appeared on my credit report. I asked the company to provide me with the following information below after advising the representative that I received a receipt of my returned equipment and closed account with no balance owed. The Company was asked to provide me with the list of documents below and the company never complied.
( XXXX ) the name of the original creditor and the last four digits of the original account number ; ( XXXX ) the date of default or charge-off and the amount due at that time; ( XXXX ) the name of the current owner of the debt ; ( XXXX ) the total amount currently due on the debt ; Instead, the false charge in the amount of {$230.00} dollars to a collection company who continues to update a past debt from over several years ago.
|
| 03/25/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I had a XXXX mobile cell account that I discontinued and so called breached NOW over 7 years in AGE in XXXX ... ... .XXXX sold this account to Enhanced Recovery Company of XXXX Florida when I found a Negative report on my XXXX credit report ... ..
this account is Over 7 years from discontinuation For CAUSE XXXX This debt collector Enhanced Recovery Company Wrongfully reports and dates account XX/XX/XXXX and NOT exceeding the 7 year limitation of XXXX I called ENHANCED RECOVERY who purchased this Factored account from XXXX Cell Phone Company and refused to delete this over 7 year reporting on my XXXX Credit Report ... ... .My relief and remedy prior to contacting your Agency or going to Florida Court against XXXX and XXXX was for Enhanced Recovery to attest and remove the reporting of collections against me OVER 7 years.
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I disputed a debt with Enhanced Recovery Company for XXXX XXXX XXXX due to collection being past state of Mississippi statute of limitations for debt collection.
I did not enter into a contract with them and they could not provide proof via the original signed contract agreement.
Secondly they're engaging in illegal reporting practices.
The original date of reporting was XX/XX/XXXX. The account was deleted from my report then added to my report and others again with a new date reporting XX/XX/XXXX.
In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ).
XXXX Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable ( XXXX XXXX & XXXX XXXX ).
|
| 03/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2020 XXXX XXXX XXXX 2020 reported XXXX a company I have zero knowledge of and never engaged in a contract with fraudulently reported a negative blemish on my credit report damaging my score and affecting my personal character all the while violating the FCRA federal laws by reporting false information. Please let it be known this debt is not validated. I see they claim to be attempting to represent a phone company in the name of XXXX. My accounts with XXXX, all though none of there business, have been paid in full and I will upload the {$0.00} balance receipts in this complaint. This is now consecutive times this false reporting has been attempted. A lawsuit will be filed if it happens again. see attached receipts. And regardless of them, again, I never engaged in a contract with ENHANCED RECOVERY CO L regardless.
|
| 10/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company purchased this account from XXXX XXXX and are reporting inaccurate information on my credit file. XXXX removed the inaccuracy from my credit file due to fraud and they were unable to validate the debt owed from XXXX. I am an identity thief victim and advised this to XXXX XXXX whom removed this invalid account from my credit file as I do not owe any balance to XXXX. The account is now being re-reported by Enhanced Recovery with inaccurate information ( date collection opened - XX/XX/XXXX ) - when XXXX XXXX had the account, they advised it was opened in XXXX. Additionally, Enhanced Recovery is reporting on a debt not owed by me regarding an account that was opened fraudulently. These tactics are a violation of the FCRA and must be removed from my credit file with each bureau due to validity, accuracy, and fraud.
|
| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery Corp. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 03/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
i had a XXXX Cell Phone account and they were unable to keep the services working that i was paying them for, after multiple Communications with the service department and Store managers and trying a Mini Cell tower in my home the services still were not working Half the time. i communicated my request for them to fix the service or give me credit Both requests went on def ears.
i was left with no other choices after being told the problem was their towers but to switch providers as i did over to XXXX.
i was a long time customer and the last 1 year and a half was like paying for nothing.
This left them claiming i owed them {$2100.00} for services that they could not get to work From XX/XX/XXXX to XX/XX/XXXX.
i feel this account should be removed for my report at once and XXXX should take responsibility in this matter.
|
| 09/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had to get XXXX involved with a billing dispute with XXXX XXXX XXXX because of their lack of performance. When XXXX stepped in, XXXX XXXX XXXX finally adjusted my bill. The final balance was {$87.00} which I paid. BUT ... what XXXX XXXX XXXX did in retaliation was send the bill to collection even though they were told I would not pay until the bill was adjusted. So there it sits effecting my credit. I tried to dispute the account with the collection agency, Enhanced Recovery. They zeroed out the balance and moved it to " removed collection ''. I just checked my credit and they moved it back to " closed collection '' which is effecting my credit. THIS is ridiculous!!! It should have never been sent to collections in the first place!! The act was retaliation for getting XXXX involved in XXXX XXXX XXXX lack of performance!
|
| 08/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I left XXXX at the end of my contract, I called and verified my contract was over and I was paid in full. A few months later they called saying I owed money, I explained i did not. They turned me over to a collections agency, I explained this to them now 6 years later they filed a derogatory mark on my credit lowering it by almost XXXX points I now went from excellent credit to good credit status. I did everything I was supposed to in order to leave XXXX going as far as contacting them to make sure we were all square. To come up with some phantom bill months later for lousy {$150.00} is ridicules. It is not the {$150.00} it is the principle of lying to it 's customers because they are leaving for another company. Now six years later to have my credit ruined because of this is maddening. Any help would be great, thank you.
|
| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
-ENHANCED RECOVERY, XXXX XXXX {$750.00} Called at XXXX got a virtual agent, XXXX, XXXX transferred to an actual agent now at XXXX got XXXX. Being transferred to her manager who will be able to help us at XXXX got XXXX XXXX. Called to offer a payment in exchange for this being removed from my credit as I never received written notification of it. I was then transferred to the escalation team at XXXX. Got XXXX XXXX at XXXX XXXX XXXX, told me during this call that all letters were sent to my previous address, XX/XX/2020, XX/XX/2020, XX/XX/2020 were the dates the letters were sent to an address I havent lived at in years. I let XXXX know that none of these letters ever made it to me and tried once again to pay the debt if they would remove it, as they failed to send written notification to the correct address. I was told no.
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
ERC repeatedly contacted my grandmother over a debt I supposedly owe for a phone bill. The bill was never sent to my address, which would 've been the only address within the phone bill account. I have never lived in the state that my grandmother resides or been associated with her address. These are illegal collection practices, as this information was never provided to this debt collection company. I received the bill recently from my grandmother that 's dated for XXXX / XXXX /2016. I 've contacted the company. They were very rude. I was completely unaware of this debt, as they 'd been sending it to the wrong state. They apparently have sold the debt, so they assured me there would be no more bills sent to my grandmother. This illegal collection practices need to be stopped. It 's definitely a defamation of character.
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY CO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 08/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I found a credit report entry earlier this year while attempting to get a mortage. I have no idea what this debt is for and the company has not provided a verification of the debt. At the suggestion of my mortgage officer since the amount was relatively low I offered to pay a settlement in exchange for this debt to be removed from my credit report. I never acknowledged that this was I debt that indeed belonged to me. Enhanced Recovery refuses to admit that they have received written requests for debt validation and ignored them. When I emailed the settlement offer that is when they finally responded saying they would get back to me after they check with their client. THis company is a total scam and has had many complaints submitted against them for their debt collection practices. I am considering taking legal actions.
|
| 10/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 01/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 12/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 12/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 09/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I called the company on XX/XX/2022 and settled the debt and I never received a letter in the mail. I was treated very poorly via phone when I called on XX/XX/2022. I was told that I can either receive the settlement letter by mail or email. I never received the email and called the company back on XX/XX/2022 to let them know I did not receive it. I requested to speak with a Supervisor and was verifying my mailing address. They had the wrong mailing address and I provided that to them the day I set up the payment arrangement to set up the debt. To this day I never received the letter via mail. They would say anything just to get me off of the phone. I called back one last time on XX/XX/2022. I asked if the debt would be deleted off of my credit and I was told that it will not be deleted even though the debt was settled.
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Several of weeks ago I asked for validation of an alleged debt owed to XXXX . I received response from ERC stating I would receive notification in the mail of this alleged debt. On XX/XX/XXXX I received letter ( attached ) from ERC in regard to my response to this dispute. The letter was a billing statement. My request was for validation of the debt of which was not included. In accordance with the Fair Debt Reporting Act ( F CRA ), proper validation must be included upon request. If validation can not be produced per FCRA, all collection efforts must cease and can not be reported to any of the national reporting agencies. Please produce proper validation. If validation can not be produced and ERC continues collection efforts from this point, I will have no alternative but to seek legal action up/and to suit.
|
| 05/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I briefly had a cellular telephone account with XXXX XXXX XXXX back in XX/XX/XXXX. I was on a XXXX plan an was paying somewhere between {$50.00} and {$60.00} a month. Being that my plan was XXXX, I had the freedom to choose a different service at any time. I decided to switch from XXXX XXXX XXXX to a different cellular telephone service. In XX/XX/XXXX a collection account from Enhanced Recovery Corporation appears on my credit report. This debt collection company claims that I owe {$200.00} from old XXXX XXXX XXXX debt. Being that my cell service was XXXX, this is not possible. In addition to that, my bill was paid in full when I decided to switch to a different carrier. I have attempted to have this debt verified to no avail. I also disputed this debt to no avail. I am at a loss as to what I should do about this debt.
|
| 04/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Certified mail was sent and requested to validate debt. Collection Agency failed to answer within 30 days. I am demanding the Collection Agency to CEASE AND DESIST from further communication with me, in any manner, regarding the above referenced TIME-BARRED debt.
Also, in XX/XX/XXXX, in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), your company knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account to XX/XX/XXXX. In response to my dispute of this FCRA violation, your company maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. I demand that this FCRA violation be remove immediately on all XXXX of my credit reports.
|
| 01/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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.
|
| 06/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
So i lost my wallet back in 2012, sadly i had my SS card in it along with my ID. i was currently still under my mothers phone plan so i didn't try to get a phone in my own name but a few years down i tried to go on my own and they said i got denied no telling me at the time nor did i really look into why. So recently i had XXXX XXXX help me out with my credit and they let me know all these collections on my credit from all these phone companies were in my collections so i let them know about what happen and they said they sent letters to the collection agency that had this collection and they did remove one of the collections on my credit but its a total of 5 accounts through out my 3 credit bureaus that is posted for collections and i feel that all of them should be removed completely because none of them are mines.
|
| 04/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
An account that was in collections with a company called Enhanced Recovery Company for an old cell phone through XXXX was re-aged on my credit report. I contacted ERC and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called XXXX XXXX XXXX and they have a date or account being opened as XX/XX/2017. I attempted to contact XXXX by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by ERC and it seems they not only re-added the account they sold it to another company and that company re-aged it.
|
| 03/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Collections Show All Dispute Options A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as agreed. ENHANCED RECOVERY COMPANY Dispute Item Agency Address : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : {$400.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$400.00} Last Payment Date : Status Date : XXXX Status : D - Unpaid Comments : N/A Continue Dispute Summary XXXX XXXX XXXX for : XXXX XXXX As of Date : XX/XX/XXXX Personal Information Accounts Negative Information Inquiries Copyright ( C ) XX/XX/XXXX XXXX XXXX
|
| 05/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 09/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I reached out to XXXX XXXX XXXX , XXXX, regarding a debt that is not mine, but is reporting on my credit report for via XXXX in the amount of {$420.00} with an open date of XX/XX/XXXX, via letter. The letter asked them to validate and verify the debt within 30 days, and if not validated nor verified during the allotted time frame, that a complaint would be filed due to noncompliance with this request and could possibly put the company in legal trouble with the FTC and other state or federal agencies. It is well over 30 days and I have not received a response. Under the FCRA 15 U.S.C. 1681i, all inaccurate, no contract, invalidated, and unverifiable accounts must be promptly deleted. Therefore, since they were unable to verify and validate this debt, I am asking that it is removed from my credit report.
|
| 07/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good afternoon, there is a collection in the amount of {$260.00} with ERC out of XXXX Florida. They are attempting to collect a debt for XXXX cell phone service. We tried contacting XXXX but they were bought out by XXXX.
Originally we opened an account and bought phones thru XXXX XXXX. We were told we had 15 days to return phones and cancel service. XXXX and XXXX XXXX obviously do not work in harmony as we got collection calls down the road over a debt that we didnt even know existed nor should it have. I tried contacting ERC and they are virtually impossible to deal with but the bottom line is this really shouldnt have ever been in collections at all. We would like this to be completely removed, and I honestly dont even care about the money if it went to XXXX because of XXXX XXXX error, but I dont feel its just
|
| 02/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against enhanced recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX {$220.00} There is no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
|
| 02/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I called to setup XXXXXXXX XXXX, was told I would have a trial period. I called several times for help with the remote. I even asked the person put in the service. I never did get anyone to explain. After a while I called and canceled the service.
About a week later I get this letter saying that I owed {$600.00}. I called to find out how I owed them anything. They stated I was being charged {$20.00} for the next 2 1/2 years. I told them to put it back in, if I was paying for it she laughed and hung up on me. I dont feel I owe for something Im not getting. I was still in my trial period and I dont remember signing a contract. They are so friendly when putting this in but when you call for help. Well thats a bother to them. Please help me!! Sign, XXXX XXXX. P.s. the collection agent is ERC* out of XXXX XXXX Florida
|
| 01/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Today I checked my XXXX credit report and I found a debt collection mark ( XX/XX/XXXX ) on my report, which greatly impact my credit score. The agency is Enhanced Recovery Corp located in XXXX XXXX XXXX, XXXX, XXXX XXXX. The original creditor is XXXX. But from XX/XX/XXXX to XX/XX/XXXX, my phone ( XXXX ) service company is always XXXX XXXX XXXX. I never owed any money to XXXX. I called ERC and tried to tell them that I am the victim of identity theft and please remove the collection. ERC told me that the address is in XXXX on their file. However, I have lived in XXXX XXXX, XXXX for more than two years since XX/XX/XXXX. Then ERC required me send them my copies of driver license, SSN and credit report. They are trying to collect money that I never owe to XXXX and their collection remark greatly lower my credit score.
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had an account with XXXX, and I owed {$2500.00} when the account was closed. I did not have the money to pay it or to even make payments on it at the time. So, they sent it to Enhanced Recovery XXXX XXXX. I've talked to both XXXX and Enhanced Recovery in an attempt to get an itemized bill showing the charges they claim I owe. Somehow, they have the idea that I owe them {$4500.00}. To this day, I have not received a breakdown of the charges, or proof that I even owe this debt. Enhanced Recovery offered me a 50 % discount, but they would not remove it from the credit report. I don't want to pay more than I have to, and since both companies have continuously violated my FCRA rights, as well as the credit bureaus stating that it was " verified, '' I haven't been able to resolve this issue in an acceptable manner.
|
| 09/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My personal information was compromised in 2013 and there have been consistent attempts of ID theft over the past few years. It has been realized that my information was used to obtain services with this service provider. I do not know what type of services were applied for and I have tried to speak with the debt collection company but no remedy has been given.
I have never had or applied for service with this company and I have no reason too. I have never authorized any person to use my personal information to acquire an account with this service provider and therefore I request full validation of this account. I require the application and identification used to open this account so that it can be brought forward as evidence in my ID Theft compliant with both the CFPB and the FTC as well as law enforcement.
|
| 02/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have called several times, I 'm trying to get a mortgage and XXXX of the credit companies show this debt as paid and XXXX does not. First lady I spoke to said she would have a letter sent out showing the debt paid. I waited a week and called back. The guy I talked to was so manipulative, trying to get me to say I did n't pay it. Then he told me he did n't know what the status was but he could n't collect the money so I repeated I do not owe you any money because you do n't have an account for me. He knows he 's being recorded so he would not say anything. Although at the beginning of the conversation he told me it shows its been paid off. All I wanted was a letter showing it was paid off, now I feel like they are going to do something and try to get more money from me. Completely unprofessional and predatory.
|
| 04/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, This debt amount was XXXX for a bill I didn't owe. My ex spouse opened this account. I reached out to the debt collector ERC-charter on XXXX to settle the debt and get it removed from credit report. Rep. Offered me a settlement amount if made in 1 payment of XXXX I agreed to settle this debt in single payment if it would be removed from my credit report and be a settled debt. XXXX was charged to my credit card on XXXX and a payment was received by ERC. On XX/XX/2022 a letter was sent to me by mail stating they received my payment of XXXX on XXXX and that I had a remaining balance of XXXX that was still due. It states please make a payment towards my remaining balance that's owed to settle my debt and lists all the ways to pay them. I am a little concerned because this is not the agreement that was made.
|
| 05/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After watching an infomercial on TV about credit and how it is important to check it regularly, I decided to check mine even though I rarely use it. I discovered an unknown account on my credit from a company called Enhanced RecoveryXXXX it says its for XXXX. I have had XXXX XXXX XXXX for the past 10 years and I have never had an account with XXXX. I don't know where they- Enhanced Recovery get their data from but this is far from the truth!! I have also loved at my address for 10 years and I have never received a notice or call from them. I feel like my rights have been violated. I have sent them a dispute notice and I have yet to hear back. I know the pandemic has slowed things down a bit- I get it- but the account should have never been placed on my credit in the first place.
ENHANCE RECOVERY ACCOUNT XXXX
|
| 05/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I received a call from Enhanced Recover Company. The young lady stated they were collecting on an XXXX bill from XXXX in the amount of {$190.00}. She reference my mothers address and that is the address i no longer reside at. I advised i cant remember that far back and advised i don't recall ever having XXXX Service at All. She started asking me question about fraud and if anyone has opened any accounts in my names. I asked her to send me a debt validation letter which i received on XX/XX/XXXX. The only thing that was on the letter was the creditor name last 4 of account number that all. Their was no phone number no list of charges or any plan information that would identify the account was mines at. I don't recognize this account and indeed why would i get a call almost 7 years later about this matter?
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This was for a rental modem by XXXX XXXX XXXX. When leaving the landlords we called XXXX XXXX XXXX and worked it out to transfer the rental modem onto his account so he could continue Internet use there at his rental. XXXX XXXX XXXX helped us do this. Then a month later XXXX XXXX XXXX called asking for us to return the modem or we would be billed. I explained that we transferred the modem over to landlords account to keep services at the property. XXXX XXXX XXXX looked into it and said that it was ok no issue now. Over a year later XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX shows up on my credit report dropping my score over 40 points with a claim for XXXX XXXX XXXX for {$110.00} saying we never returned the modem. They are tanking my credit score and need to be held accountable for their error.
|
| 10/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from two different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.
|
| 07/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ERC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$410.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT TO BEGIN WITH. ERC IS AGGRESSIVELY ATTEMPTING TO COLLECT THIS DEBT THAT I DON'T OWE AND DOES NOT BELONG TO BE IN FIRST PLACE. I CONTACTED THEM SEVERAL TIMES WITH NO LACK, RESPONCE THEY PROVIDED ZERO VALIDATION OF THIS ACCOUNT, I ALSO CONTACTED XXXX WHO DID NOT FIND AND PAST DU EACCOUNTS IN MY NAME AND UNDER MY SOCIAL #. I COMPLAINT WITH BUREAUS WHO STATE THAT ERC HAS VALIDATED THIS ACCOUNT. ERC IS CALLING MY WORK, MY PARENTS HOUSE AND THREATENING TO ARREST ME OR LIEN MY HOUSE IF I DIDN'T PAY THIS AMOUNT IMMEDIATELY, THIS SHOULD NOT BE ALLOWED!!! PLEASE HELP
|
| 05/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received a phone call from ERC XXXX asking to speak with me ( using my married name which has been changed for almost 7 years ). The person was hard to understand but was stating that I owed a debt on my cell phone account XXXX XXXX XXXX, I reported that I have auto pay set up and don't believe this to be my debt, she then asked if the last four digits of my social were ; and gave four digits I don't recall ; they were infact not my social and she said she had the wrong person and hung up.
I believe this this was an attempt to get my banking information as she requested card or bank info before verifying anything else and I had to ask her to verify the debt. Since I found this call to be odd as I have XXXX outstanding debt I thought it best to report it as I do not want others to be scammed by this company
|
| 11/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX {$1900.00} Account was settled with 11 XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.
|
| 03/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I got a letter from ERC Debt collectors XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX. I called them an got through after 3 minutes. I told the representative that this is a falsified debt that I have n't had XXXX in over 10 years and it had been paid in full and that my credit was pulled by real-estate lender 's in the past two years and there was no debt from XXXX or anyone trying to collect a debt on XXXX behalf. They said please hold and they hung up got the busy signal on the phone. I called them back went through the same prompts and got the message to please wait for the next available representative. I waited for over 2 hours an never got through. I called back and same thing happened waited an waited. So I looked online an found that others have complained about this company trying to scam them.
|
| 08/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
They company contacted me while i was at my place of employment without prior given consent about an alleged debt of my recently passed over father. The company agent XXXX ( employment id # XXXX XXXX stated that they are a third party debt collector and this was an attempt to collect a debt. I know firsthand that i never gave this company my information or approved any institution to distribute my information to this company. This is a violation of many laws protecting my rights as a consumer as well as my right to privacy. Below is a list of the direct violations under federal law according to Title 15 U.S.C.1692 15 U.S.C. 1692b ( 5 ) 15 U.S.C. 1692c ( a ) 15 U.S.C. 1692c ( 1 ) & ( 3 ) 15 U.S.C. 1692d ( 5 ) 15 U.S.C.1692e ( 10 ) This company is aware of the civil liability they have under 15 U.S.C. 1692k.
|
| 06/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom this may concern, While reviewing my credit report on ( XX/XX/20 ), I noticed an incorrect and fraudulent collection account from ( Enhanced Recovery ). I do not have an account with Enhanced Recovery and do not agree to debt. I have no knowledge of this account nor have I done any business with this company. I do not have a signed and dated agreement from ( Enhanced Recovery ) I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor XXXX XXXX I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX XXXX XXXX ( Account number XXXX, has Violated my rights.
15 U.S.C 1681 Section 602 A states I have the right to privacy.
15 U.S.C 1681 Section 604 Section 2 also states a Consumer Reporting Agency can not furnish an account without written instructions.
15 U.S.C 1681c- ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
|
| 11/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
Time has already passed but up until now, I havent heard any kind of response from the XXXX and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the account which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : ENHANCED RECOVERY CO L - XXXX
|
| 02/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
XXXX ( XXXX XXXX ) XX/XX/XXXX I spoke with XXXX about ended my contract with them. I asked them of I owed thwn anymore money and if I did I wanted to pay it so I could end all ties with them. I was told I didn't not owe them anything bill was paid in full. I believed what they said and moved on to another phone company. After many months I got a letter saying I owed them XXXX dollars I called and spoke with them about it and I told them what I stated above I tried to fix the situation and figure out how to resolve it even though it was on their end. They wanted nothing to do with they threatened to sue me, garnish my check, anything they had to do to get their money. I have XXXX children and Bill 's I have to pay I have tried to fix this and I need this off my credit I can't do anything with this issue.
|
| 02/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
ERC a debt collection company is attempting to collect an old debt on behalf of XXXX or for their own profit with an origination date in excess of 7 years. As an example XXXX collections shows an open date of XX/XX/2016.
ERC has placed debt collections information on my credit report that negatively effects my score. ERC has mailed to my home address attempts to collect this old debt and threatened " unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after your receipt of this notice, the debt will be assumed to be valid by us. '' Not only must ERC stop their open ended threats of assumed debt, ERC must remove the long overdue removal of this debt from my credit information. ERC must stop collection attempts and stop continued efforts to re-new this old debt.
|
| 06/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2019 I called the ERC company to send documents through the fax machine. They told me they're a paperless company and they don't have a fax number. I than ask for an email she keeps on about if I have an account with them. Than I ask again how can I get something to them. She keep on wanting to know if I had an account with them. I said I really don't have to answer that. She than got her supervisor on the phone XXXX XXXX than I ask him for a fax number. He told me an email at XXXX so I emailed ERC. Just give others the right to get information to them. I have no idea who these company are. I not going to just give up {$1000.00} to everyone that come on my doorstep. Anyone could be praying on anyone these days. ANYONE can get information off the internet. Being overly cautious isn't a bad thing.
|
| 12/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Hi there. The company that contacted me is called ERC - XXXX
This is inappropriate contact due to the fact that they are trying to collect from my grandmother, who lives in XXXX, XXXX, but contacted me about the debt, and I live in XXXX XXXX, XXXX. I never shared a similar address with my grandmother. It is clear that they are attempting to share information regarding the debt with my grandmothers relatives to get us to contact her about the debt. This is inappropriate and just wrong as my grandmothers debt information should never have been mailed to me.
Here is the information regarding the debt, in case you want verification.
Creditor : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Amount of Debt : {$49.00} Account Number : will share if contacted Reference Number : will share if contacted
|
| 06/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX, I noticed a collection in the amount of {$410.00} on my XXXX account.
I looked up the company and emailed there support line providing documentation that not only had this bill ever gone to collections, but that I had paid in full and on time, in accordance with the payment plan XXXX and I created.
I am very curious about the legality of this debt collection, because I had already received a collection on my credit report in all XXXX bureaus about 12 months prior, all of which were successfully disputed.
Additionally, this payment was made in full to XXXX on XXXX.
ERC ( Enhanced Recovery Company ) has refused to remove this collection in the face of the documentation I have provided them, citing that they will need to hear from XXXX themselves about an account that has long been closed.
|
| 03/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm just trying to get help with a collection account that I've been fighting for a long time.
A collection agency is saying I owe over {$2400.00} for an XXXX bill. I do not owe them {$2400.00}.
I've tried speaking with XXXX in the past and no one could ever tell me why they were charging me so much money. I had Service for XXXX for several years. Whatever contract I may have signed with them should have been completed so there shouldn't be any outrageous charges. When they hit me with a bill that was several hundred dollars I called them and informed them I was cancelling services with them. I believe I even paid any fees they wanted at that point. To tell me I owe {$2400.00} is just crazy.
Please help me in fighting this account. I do not owe it and the collection agency is hurting my credit.
|
| 06/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company named ERC is harassing me about a debt which I do not owe and never have owed to XXXX XXXX XXXX . This amount was billed to me by mistake man many years ago and I just keep getting annoying and false statements asking me to pay and that I owe this. But I had disputed and won this sum against XXXX XXXX XXXX while I still had an account with them. Whatever this company ERC are still harassing me about is false information and not any amount which I owe. I do not owe this and it was a mistake and now they are reporting to all XXXX of my credit reports that I am in collection and they keep calling my house after late times and wanting to speak to me, this is crazy and I do n't understand why and where they have obtained my information and social security number. Can someone here help?
|
| 05/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Please have this removed from my account. the date i am showing it was opened is XXXX 2016 Balance : {$1200.00} Collection / Charge-off Open Account Negative Account As of : XXXX XXXX, 2016 Account Details Payment History Contact Info Account Number : XXXX Account Type : Collection Account Amount Past Due : -- Scheduled Payment : -- Owner : Individual Opened Date : XXXX XXXX, 2016 Original Balance : {$1200.00} Original Creditor : XXXX XXXX Creditor Type : Account in Dispute No that is all the info showing on my credit report. I was not with XXXX in 2016. I have been with XXXX since XX/XX/2016 and before that was an a friends account with XXXX. I believe this to be incorrect information and not something i should have effecting my credit report. please have this reviewed and please remove from my account
|
| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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on XX/XX/XXXX I received a call from Enhanced Recovery Company, informing me I have a collections balance of {$630.00} from an original creditor XXXXXXXX XXXX XXXXXXXX I notified them I never had any accounts with such a company and I have no outstanding balances. They were no help to me in resolving this issue. Upon checking my credit report immediately after this phone call, I saw that this derogatory remark was indeed on my report. It showed that this Account was open on XX/XX/XXXX. I did not open this account or request any services from this creditor. I do not know how they obtained any of my information and or added any balances to my credit report. Please help me remove this fraudulent account off my report as soon as possible because it is degrading my credit score and my financial credibility.
|
| 11/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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|
I am a victim of identity theft and submitted documentation to XXXX about account ENHANCED RECOVERY CO XXXX {$0.00}. The account was blocked and removed from my credit file only to report again with a remark " Account information disputed by consumer, meets FCRA requirements ''. Enhanced Recovery Co or XXXX has not provided the documents and other evidence to disregard my identity theft report.
If Enhanced Recovery Co can not provide original documentation of when where and how this account was opened. This account should be removed immediately. If account has not been removed from my credit file I will sue both XXXX & Enhanced Recovery Co in small claims court for FCRA violations and punitive damage.
I demand that XXXX & Enhanced Recovery Co send all documentation they used to verify account XXXX.
|
| 05/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Enhanced Recovery has been calling my cell phone using a robocaller at least 37 times this week alone. They are using sleezy tactics in trying to harass me via phone calls. I've repeatedly asked them to add my phone number to their " Do Not Call '' list but the continue to call. They always ask for " XXXX '' who is someone I do not know. They have promised to not call my number in response to complaints I've previously filed here but continue to do so. They have called using the XXXX phone number and also local call spoofing. My phone number has been on the national " Do not call '' list for several years.
This is the last time I file via this route. My next option is lawsuit and I've already contacted a lawyer. I've been logging all the calls/dates and will proceed if this does not immediately stop.
|
| 03/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Inaccurate, wrong and hurtful information reported by this company. I have never done business or have a contract with XXXX XXXX XXXX XXXX to be reporting anything on my report. Nor have I gotten any form of communication stating that they are going to report negative information without a signature or validation from me stating that I owe {$400.00} on my credit report to all three bureaus. Which I find that is a violation of the FCRA laws. At this point I would like them to produce documents with my original signature stating that I give permission for XXXX XXXX XXXX XXXX to report negatively on my report. If no original contract, validation and signature can not be produced I demand them to be removed from all 3 of my credit reports XXXX, XXXX, and XXXX immediately and not sold to another company.
|
| 11/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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|
I have currently been trying to get a loan for a new house, and working hard to get my credit to a good spot. My loan officers transferred me to a credit specialist on XX/XX/2017 and told me about a collection to try and take care of and that would need to be deleted off my account after it was payed. I contacted this company on XX/XX/2017 and asked to pay off this debt but to have it deleted not just to have it shown derogatory payed. The company enhanced recovery told me that would not be possible. So all Im trying to do is pay this off and have it deleted, also this is apparently for XXXX XXXX for equipment that was not returned. I sent that equipment back so I am not sure what I am suppose to do about that either.. in the end though I would just love to have this off my account making it negative.
|
| 05/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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|
After disputing this account with ( ERC ) Enha nced Recovery Corporation, ERC sent me a letter dated XXXX XXXX 2017, sta ting they have " requested for the XXXX XXXX account to be deleted from any consumer reporting agency files to which they may have submitted information to ''. I have attached the letter in this complaint. I sent this letter to XXXX and they refused to delete this collection tradeline from my report. XXXX stated that ERC does not want and have not requested for this account to be deleted as ERC promised to do in the letter that was sent to me. XXXX stated that they can not honor my request even with the letter since ERC did not submit a deletion of request to them. They are going back on their word even after notifying me that they have requested for this deletion.
|
| 07/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have been attempting to validate suspicious activity on my credit report. In the process of doing this, I submitted XXXX request for debt validation XX/XX/XXXX & XX/XX/XXXX to Enhanced Recovery LLC for a collection from " XXXX '' the amount of {$780.00} and requested they only contact me by mail. The only response provided from the debt buyer were invoices dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have been unable to provide me with the original contract, account history, and other documents requested. This company, which I hold no contract with, nor have recovered services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. They have failed to provide me with adequate proof and I am not obligated to pay for this alleged debt.
|
| 09/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
|
| 04/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX account showed up on my credit report recently I have n't had XXXX since XX/XX/XXXX. I paid off all of my debt with XXXX before I canceled. I do n't know why it was reported because I do n't owe them anything I contacted the debt collector and they told me to email a dispute to them and then forward it to XXXX before I did that I contacted XXXX and they told me they do n't have access to my account anymore. And that I owe money in which the case I do n't. XXXX told me they sold my account to a debt collector in XX/XX/XXXX and it has recently shown up on my credit report In XX/XX/XXXX and neither companies are providing me with information in regards to this Debt that I owe which I wasnt aware of until recently. The debt collectors are giving me the runaround and they are not being honest with me
|
| 10/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Had a negative remark on credit reports XX/XX/XXXX. Determined debt was not mine. Originator was XXXX. they sold this debt to XXXX then it went to XXXX. XX/XX/XXXX collection agency XXXX was notified via XXXX XXXX and XXXX XXXX XXXX that XXXX was in error and I did n't have the account in question. XX/XX/XXXX the same debt is now being pursued by ERC-Enhance Recovery Company. I submitted the info to them in XX/XX/XXXX as per documentation from the XX/XX/XXXX events. Now have negative remarks on credit report from ERC. They never replied after XX/XX/XXXX info faxed to them. Just received another letter stating owe money. They have not provided any information that supports that I have any debt owed. They have falsely reported to the credit agencies and are attempting to collect debt which is not mine.
|
| 05/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I contacted the creditor Enhanced Recovery collection ( ERC ) to pay off the balance for the amount of XXXX. We had an agreement such that the account would be removed from my credit report after paying off the balance in full. This payment was made in 2020. I just thoroughly reviewed my credit report from all three credit bureaus only to find that not only was it not removed from my report but also that it contains conflicting information on my payment status. I paid this in full but on my XXXX report, the account status states that it was paid in full for less than full balance. XXXX it show the account was paid off. All in all, I paid the account off and the agreement wasn't followed to remove account from my credit report from ALL credit reporting agencies after I agreed to pay the account off.
|
| 05/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I reached to XXXX at the beginning of XX/XX/XXXX of this year in regards to to Several accounts appearing on my credit file. Some of the accounts have been removed but one in particular still remains ( Enhanced Recovery ). I've completed my report through the Federal Trade Commission which included this particular account as well. I never recall opening or establishing any account through Enhanced Recovery Company or XXXX XXXX XXXX. Both XXXX and Enhanced Recovery has been notified of the inaccuracies but yet this account still remains on my credit file to date. It has been well over 30 days an neither XXXX or Enhanced Recovery has responded in regards to this matter. Under the Fair Credit Reporting Act this account should not be reporting on my credit file and is a violation of my consumer rights.
|
| 08/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence.
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards. THIS COLLECTION AGENCY AND PRIOR/POSSIBLY NEW ONES ARE AFFILIATED WITH THE ORIGINAL CREDITOR AND COULD POSSIBLY REMOVE THE DEBT THAT IS NOT VALIDATED AND RETURN DEBT TO ORIGINAL CREDITOR.
|
| 04/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
. I paid ERC on XX/XX/XXXX with my XXXX secured Visa for an XXXX bill from XXXX. The account details are noted in the settlement letter from ERC. XXXX is not accepting the settlement of the debt and wants the remainder of the bill paid. XXXX XXXX XXXX acknowledged today that the debt was sold to ERC. ERC is saying the account is closed and settled However, ERC said on XX/XX/XXXX that XXXX XXXX XXXX does not have to accept the settlement. That was not my understanding from settling the account. All calls with ERC are said to have been recorded. Since the settlement of the debt did not clear the debt, I believe that ERC and XXXX XXXX XXXX have acted fraudulently in obtaining the {$280.00} payment as settlement and not settling. I have also asked my credit card provider, XXXX, to dispute the purchase.
|
| 05/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Enhanced recovery company is stating I owe a debt of {$1500.00} opene d 2017. I repeatedly disputed this claim several times which was originally through a debt collector named XXXX XXXX system and was deleted from my credit report and 3 months later Enhanced recovery company added it back on. the reported information is incorrect. I 've sent my XXXX balance proof to XXXX XXXX XXXX . I have never received any paperwork from Enhanced recovery company stating I owe the debt or details of the debt. This false new activity from enhanced recovery company have caused m y credit score to d rop over XXXX points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all XXXX bureaus.
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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|
Hello, my name is XXXX XXXX XXXX XXXX XXXX. I have been advised by the credit bureau to submit a police report regarding my identity being used to open up accounts with my personal information. My twin brother XXXX XXXX XXXX XXXX XXXX has the same date of birth and our social security numbers are different by one digit. Multiple delinquent accounts have been placed on my credit report. I have tried to dispute the accounts multiple times. We have lived at different addresses for at least 5 years. He has also claimed these accounts are his, but they continue to appear on my report. Please let me know if there is any additional information I can provide or if I need to explore other options regarding this matter. I have a ton of accounts that do not belong to me I have sent my full report Thank you.
|
| 02/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In 2014 I transferred my XXXX account to my roommate prior to moving to a new home. Paper copies of the transfer were signed as well as confirmation made with XXXX after the papers were filed with them.
Since that point, I have been contacted 4-5 times from collections agencies who XXXX has hired to collect on bills incurred after the account was closed. When I have called XXXX about these charges, they have informed me that they have no records of my communications with them occurring ( including the previous 4-5 times that this has occurred ). The typical resolution after 1-2 hours of time on the phone is that XXXX has " sorted out '' the issue, which they admit is their wrongdoing, before informing me that they 'll let the collections agency know. 8-12 months later, the process has repeated.
|
| 09/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
This complaint is against a company called -- ERC- ( XXXX XXXX XXXX ). We found out today with a mailing from them after 1 ) We disputed this alleged debt of {$970.00} with them in XXXX 2 ) I also disputed this with 4 prior collection agencies since XXXX and will attach all documents to this dispute.
ERC - XXXX XXXX XXXX is violating multiple times our request to note in reports to the 3 - Credit Bureaus, including XXXX XXXX, that " This consumer disputes this debt. Our XX/XX/XXXX written notice to BOTH - ERC and XXXX XXXX was our 3rd request to remove the report that we are in collections and note our balance at {$0.00} and/ or note " Consumer disputes debt " in our credit report 3 ) Even after we notified BOTH ERC and XXXX XXXX 3 times in the past year, they refuse to report fair and correct.
|
| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
Its called enhanced recovery company. Their phone number is XXXX XXXX XXXX which no one answers its just a recording and then they hang the phone up on you what they are doing is buying old debts from debt collectors and putting them as new debts and putting them on your credit report after 10 years this is ridiculous and this should be illegal then when you try to call to fix the situation you cant talk to anyone just a recording. I need some help. This is ridiculous. Things are on my credit report. Shouldnt be on my credit report, something as simple as XXXX equipment not returned when it was returned but they had private contractors at the time picking up everyones equipment, which when I talk to XXXX they said I had no debt with them at all and all my equipment was returned so this is crazy
|
| 12/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I was called last week ( date not remembered ) by someone asking for my name but would not identify themselves or why they called ; other than they were with ERC.
I asked this person to stop calling. NOTE : I do not have debt in collections ; I pay all of my bills " on time ''. Two weeks ago I was called by someone from ERC.
On XXXX/XXXX/XXXX I received another call from the number identified in my caller ID.
I went on-line and Googled the number. It is for " ERC '' ; a debt collector.
I have asked that they never call my number again - but it has not worked for me.
I am a senior citizen and wary of " SCAMS ''. I believe this is a scam because I do not have any debt in collections. I have severe XXXX XXXX XXXX, XXXX, XXXX XXXX conditions, etc. Please make these people stop harassing me.
|
| 01/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
After attempting to join the United States XXXX XXXX, I was informed by my recruiter that i have a collection agency that I owe Money to. My recruiter then faxed me a copy of my credit report, that stated I had an unpaid debt of {$420.00} to XXXX, that had gone into collection. The problem is I as well as my family have never owned a XXXX phone, or used there service for ANYTHING. I am a XXXX year old male, and the report states that the debt owed went into collection in 2013, at which time i was XXXX about to turn XXXX. A minor can not buy or even apply for these services at that age. In conclusion due to the fact I have an outstanding debt for a service I have never used, my application process to the XXXX XXXX has come to a complete halt, and can not resume until this debit is taken care of.
|
| 12/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was just made aware by a credit monitoring alert that ERC or Enhanced Resource Centers, which shows up on my credit as Enhanced Recovery, has put a collection on my account for {$1100.00} on XXXX/XXXX/15. I have never been contacted by this company! And in fact this collection used to be owned by XXXX as a XXXX collections and they removed it from my credit in XXXX 2015 due to the fact that it is not a valid debt and the correspondence had been sent to an address I have n't lived at for 10 years, which is 6 years before I ever had XXXX. Not to mention what they claimed I owed was for receivers I sent back through the company 's mailing process and 2 months of service which I could n't have used since I cancelled it and I did n't have the receivers because I had moved from the service address.
|
| 03/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I checked my credit report and on XX/XX/2020 I was put into collections from Enhanced Recovery Company, their number is XXXX XXXX XXXX, They are trying to collect a debt from XXXX-XXXX, this debt is way over the statute of limitations and I have not received any correspondence about this debt. I am a XXXX veteran and a XXXX XXXX XXXX, I need loans to help me get through the COVID-19 emergency and they have jeopardized my livelihood as well as my XXXX XXXX with their shady business practices. They fraudulently submitted a collection to the credit reporting bureaus and they have not even attempted to reach out to me. After 11 years this is outrageous and this shouldnt be allowed, I am considering taking my own legal action for potential losses they have caused to my XXXX for their incompetence.
|
| 07/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX did not provide the service they promised me when I opened the account. The XXXX service had 0 signal in the area where I live. Because of that, I decided to close the account the same day it was opened. XXXX also has a 14 day trial period for customers to try out their service before committing. I called the XXXX company to cancel the account and because I cancelled the service the same day it was opened, the XXXX representative told me they would not charge my card and no fees would be involved. Now, after checking my credit report, I see a collection from the XXXX account that was opened 2-3 years ago.
I disputed with the 3 Major Credit Bureaus and they did not assist me since the claim I made to the Bureaus was made electronically. The collection is still on my credit report.
|
| 09/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
After trying to buy a house I noticed on my credit a collections account with ENHANCED RECOVERY COMPANY for XXXX in the amount of {$360.00}. I contacted ENHANCED RECOVERY COMPANY and they can not find any information with my name or social in their system and told me to contact XXXX. After speaking with XXXX, they also can not find any information under my name or social. I disputed this with the credit bureaus. XXXX is the only credit reporting agency that wo n't remove this from my credit. Equifax has already done so. I have emailed XXXX proof of communication with the collection company showing that they can not find anything under my name. This company ENHANCED RECOVERY COMPANY, keeps reporting on my credit each month for a collection even they said I do n't owe and XXXX is allowing this.
|
| 12/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
To whom it may concern : I received my credit report and found that information from ( XXXX ) was reporting inaccurate information on XX/XX/2019, I sent a letter disputing the information to XXXX XXXX, they verified the information as accurate. On XX/XX/2019 I sent another letter disputing the incorrect information with XXXX allowing 15 days to reinvestigate my dispute, again it was verified as accurate. On, XX/XX/2019, XXXX, XX/XX/2019 I sent a letter to the collection agency ( ERC ) to verify proof that I have a contract with them, they sent me a bill, never answering my question and showing no proof. My rights have been violated by the reporting agency and the collection agency, they are damaging my credit history with false and inaccurate information. By refusing to delete this account.
|
| 05/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company has attempted to collect a debt that is not mine. I already advised them it was not mine but they still reported it to my credit report. I do not owe any money to anyone. I have an excellent credit history and score. They are trying to collect a debt for a person that has a similar name but is not me. This person lived in the same street but not the same address. I already advised them about it but they still decided to report it under my name. They do not have my social security # or my DOB they only decided to match it to me because of my name. I called the company who they said the debt belongs to and they have a different social security # and dob also. This is not fraud since I have never had any issues with any other companies. This is just a person who has a similar name.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change.
The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
|
| 01/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A few years ago I made a complaint to The CFPB and Attorney General Office, Police about XXXX a cell phone company, And another collection agency. XXXX found out the charges of {$3800.00} was fraudulent and that I did not open any account. XXXX Deleted the Fraudulent debit from my credit file. and gave an apology for all the inconvenience it cost me to clear my name I checked my Credit tonight and a collection company ENHANCED RECOVERY has the same XXXX debit that was deleted years ago. on my credit report WITH BRAND NEW DATES like it had just been open. And this issue was closed and deleted a few years ago. it took months to clear my name. I want this Taken back off my Credit report at XXXX. and they allowed for this to be placed knowing full well it was removed. because of Identity theft.
|
| 10/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX IS UNAVAILABLE TO ME ONLINE DUE TO A COMPUTER GLITCH OF THEIRS..IT WOULD BE GREAT IF THEY KNEW HOW TO GENERATE SECURITY QUESTIONS SO I COULD USE THE SERVICE.
THERFOR I OFFER THE FOLLOWING COMPLAINT : CREDITOR XXXX COLLECTOR ENHANCED RECOVERY COMPANY HAS DEFRAUDED ME.I PAID XXXX DOLLARS UNDER A DURESS SETTLEMENT THAT I SHOULD HAVE PAID NOTHING.
XXXX AT TIME OF SALE /SERVICE INTENTIONALLY WILLFULLY DEFRAUDED ME AND VIOLATED THE IMPLIED WARRANTIES LAWS OF CALIFORNIA .
DUE TO THE UNDISCLOSED LACK OF CELL TOWER COVERAGE IN MY AREA XXXX SERVICE WAS DROPPED CALLS, INTERFERENCE, MISSED MESSAGES AND JUST GENERALLY FAILURE PRONE.SINCE XXXX KNEW THIS THEY SHOULD HAVE NEVER SOLD ME THE REASONABLE EXPECTATION OF ADEQUATE SERVICE.
I WOULD LIKE THIS ERC ACCOUNT DELETED FROM ALL CREDIT BUREAUS.
|
| 03/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Enhanced Recovey Collection was notified that the debt for an account they were trying to collect was a result of identity theft. I called them and notified them that I had filed a FTC identity theft report as well as a local police report for a collection account that the original creditor was listed as XXXX XXXX XXXX for {$1500.00}. A few days later the account was then subsequently removed ( XX/XX/XXXX ). A few more days later after that ( XX/XX/XXXX ) I have actively been monitoring my credit daily because of recent events and I now find out the same debt collection company has listed a new debt from XXXX XXXX for {$1500.00}. New account number and all. I believe this is an attempt to circumvent my original request and illegally collect monies that I dont owe. They are breaking the law.
|
| 03/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I had an recent open collection with XXXX. I contacted Enhanced Recovery Company, LLC and told them that I want to pay collection amount in full which was {$160.00}. I provided them my debit card information an authorized to charge me the full amount owed. They provided me reference number as a transaction confirmation and told me that will update all credit report that collection paid. Instead they reported new collection account for XXXX XXXX that is more than 8 years old for amount {$380.00}.
I never received single phone call nor letter from collector regarding this both collection accounts. I know under The Fair Credit Reporting Act debt collectors must notify in writing about attempt for collecting debt. They are not allowed to report a debt to credit agencies if it is more 4 years.
|
| 07/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Enhanced Recovery has reported XXXX negative trade lines with failing to properly validating the debt. On XXXX XXXX I received a collection notice from Enhanced Recovery payment of {$390.00} for a debt owed to XXXX XXXX. I sent them a request for validation. It looks like they received it XXXX XXXX, 2015. Enhanced Recovery failed to properly validated this debt and reported it as a collection in XXXX of 2015. Furthermore on Enhanced Recovery sent me a settlement offer XXXX XXXX, 2015 for a XXXX account again i sent them a request for validation ( a letter dated XXXX XXXX, 2015. I never received anything from them. In XXXX 2015 a collection was placed on my credit report. I firmly believe that Enhanced Recovery actions are illegal. I want these negative entries removed from my credit report.
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
disclaimer : i already filed a complaint with the XXXX in XXXX. i got a call from a company that said it was debt collection company, ERC located out of XXXX, fl, according to the letter they sent afterwards, and they said i owed at & t {$45.00}. i believe it's a scam for 3 reasons : 1 ) when they called me ( and they only called once ) and i answered, it took between 5-10 seconds for them to answer back. red flag right there. 2 ) they got my name wrong. and 3 ) i stopped using at & t in 2015 and now they've decided i have an unpaid debt? - please look into this matter asap. they said they'll report me to the credit score companies if unpaid after 30 days. thank you. ps - i don't have anything to upload because all this is news to me. i really don't know what this company is talking about.
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a XXXX XXXX XXXX XXXX priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit. ''
|
| 12/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Yes this collection company keep putting derogatory credit on my report for XXXX. I never had of XXXX account and they know this. I have for proof of identification use to open this account and ask XXXX to investigate and they havent did anything. But said this debt will stay on my credit. They need remove this from my credit with out proof who did this and block collection company for putting anything on my credit report. I will seeking attorney to sue XXXX and this collection company. I have credit monitoring on my credit and it seems not to be working or they just dont care. I just received of sellment check just for this same thing. And see they are back at it again not protecting my information and allowing collection company do whatever they want without proof of person owe if debt.
|
| 04/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX I faxed a VALIDATION letter to a company trying to collect on a XXXX XXXX XXXX bill. I have never in my life had XXXX XXXX XXXX for about 12 years I have been with XXXX. I asked for validation be sent to me with a signature of the owner of the account. I asked them to provide me within 30 days and if they could not provide the proper validation that they must cease and desist on all collections and remove any non validated information from my credit reports. I got a response and the letter is dated XX/XX/XXXX ( past the 30 days ) and all they sent was a copy of a bill, that I asked them not to send a " bill ''.
I want this collection agency to remove me from their system and remove all negative remarks on my credit files. Attached is what was sent an it is not VALIDATION!
|
| 11/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you
|
| 02/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I contacted XXXX XXXX company to resolve a debt that was owed to XXXX XXXX. I was able to settle the amount, however was not able to get them to remove it from my credit report. I have recently paid off 5 other accounts with different collection agencies and all of them are stated that they are removing the items completely from credit report. This company stated that they will not and could not. They stated that they would not contact XXXX to see if they would be willing to remove. In addition to this when I asked to speak to a supervisor I was denied stating that the manager was busy and that I could continually call back in hopes of getting in contact of one. This practice seems to be unfair due to the fact that 5 out 6 are willing to remove and would like to get this removed as well.
|
| 07/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
ERC, a collection agency, is alleging I owe {$560.00} for a delinquent XXXX XXXX XXXX account. I have never had an XXXX XXXX XXXX account. In addition, I have never received any statements from XXXX XXXX XXXX, nor any past due statements. According to XXXX XXXX XXXX it's a valid account number. I filed a complaint with XXXX XXXX XXXX XXXX fraud department. They responded with, " XXXX XXXX XXXX has received your inquiry and determined that the account you have provided is currently being held by an outside collection agency and must be disputed directly with that agency. '' I disputed the bill with ERC and received a " statement '' that showed the amount due, {$560.00}. However, it showed no details about what constitutes that amount, nor any information about when the charges incurred.
|
| 05/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company is trying to collect on a debt from XXXX XXXX. The account in question was terminated years ago due to the service being extremely poor and not being able to make calls in my area or really have in service at all. XXXX was communicated with several times to fix the issue and it went on for months and they still didn't fix it. I had no choice but to end my service I wasn't able to use my phone without calls dropping. I told them if they didn't fix the issue that I would be terminating my contract. Now they are trying to collect on early termination fees and for a service I couldn't use. This isn't fair and I would like this off my credit immediately. I am searching my emails to find the old chats between me and customer service filled with complaints for the horrible service.
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
ERC is still attempting to collect a debt on behalf of XXXX and there still reporting on my credit that I still owe them {$1200.00} ERC stated I disputed the debit as a consumer which I did and they said it meets FCRA requirements however according to the FDCPA Laws they have to stop all collection activity and attempting to collect the debit since I filed CH XXXX BK ... .They still have continued to report on the credit report even though there going to receive {$0.00} from the BK ...
Also Prior to filing BK ERC broke FDCPA Laws by calling me at XXXX XXXX on XX/XX/2018 from there phone number ( XXXX ) XXXX ... I reported this to ERC and they did not say anything .... ERC still engaged in illegal activity by calling me before XXXX XXXX which they knew it was a violation of the Law ...
|
| 09/08/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2023 Enhanced Recovery Company reported to credit bureau 's that I owed them a debt. I am disputing this claim. According to the Fair Debt Collections Practices Act and Fair Credit Reporting Act, Enhanced Recovery is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file. Under the FCRA, unverified accounts must be removed and if Enhanced Recovery is unable to provide me a copy of verifiable proof, they must stop reporting this fraudulent information to credit bureau 's.
|
| 12/21/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
|
| 12/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
|
| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX RECEIVED THE LETTER.
|
| 01/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX continues to assign an account to collection agencies that I do not owe. I contacted the last agency XXXX XXXX and told them this account is disputed because the service is still active and has never become delinquent. XXXX was handling the billing for XXXX XXXX and that billing was transferred back to XXXX XXXX. The XXXX XXXX account is currently active and has been for over 8 years. There is apparently some transfer of funds issue that occurred between the 2 large companies but the account has never been past due. Currently ERC is attempting to collect this debt. I thought it was closed back in XXXX of 2017 when I contacted XXXX XXXX and explained the internal billing error between these companies. My next course of action will be to file a lawsuit aginst all parties involved.
|
| 01/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The company in question is known as ERC located at XXXX XXXX XXXX in XXXX Florida, XXXX. On XX/XX/2020 their office called my home phone ( XXXX ) XXXX. On the third occasion, I answered and they asked for a XXXX who does not nor has ever lived at my home in the 3 years I have had the phone number. I informed the caller that they had the wrong number and that XXXX never has, nor did I know the person they were calling for. On XX/XX/XXXX, I received several more calls and called ERC to speak to a supervisor. I informed them that they had the wrong number again and that I was to be removed from their call list immediately. I was assured that they were going to escalate the request and it would be done within 24 hours. Today, the company once again called my home and I have had enough.
|
| 12/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
ERC ( XXXX noted as the original creditor ) has placed an adverse account on all three credit reports for an account which does not, did not, nor never has belonged to me.
I have never used, purchased, or borrowed any products from XXXX. The negative account has caused severe injury to my credit accounts and must be removed post haste to avoid further injury and damages to me and my impending credit analysis and disposition.
Furthermore, ERC failed to advise that there was a possibility that this negative account could be placed on my credit report. I have not received nor heard from ERC nor XXXX prior to this account being placed on my credit report. At least if they would have contacted me, I could have confirmed that it was an error prior to placing these on my credit reports.
|
| 01/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
in 2013 i picked up an upgrade i phone was not satisfied and contacted XXXX XXXX XXXX and i was told to bring everything back and did so do to there 100 % customer satisfaction .when doing so representative said it was not possible and i ask to speak to manager witch also said the same.. contacted customer service and asked to speak to manager they said they were sending a box to return never got the box .then when i would call they would put me on hold and give me the run around got tired of playing there game and cancelled service ..they are bullies and because they have a contract that is null and void do to there actions of FRAUD this item was removed from my credit report ..and now is back on and needs to be removed do to FRAUD by XXXX XXXX XXXX by not standing by there word..
|
| 12/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have already tried before to resolve this fraudulent account with this company. This account is a result of fraud. I have never conducted any business with ERC or XXXX. Its not my debt, and their still reporting it on my credit. I demand a copy of the original contract with my Signature. They are in violation of the federal and state Fair Debt Collections Practices Acts. If they can't or refuse to provide the original contract with my signature binding me to this entity. Which means they are also reporting inaccurate information on my credit profile, which is a violation of the Fair Credit Reporting Act and must be deleted within XXXX days. This is my last time requesting this fraudulent account be removed. I will proceed with legal actions if this isn't rectified expeditiously.
|
| 09/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ERC would verify the debt. So I took it upon myself to ask ERC for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 10/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I sent a Debt Validation letter to Enhanced Recovery Co in regards to an unverified account in the amount of {$190.00} that appeared on my Credit Report on XX/XX/19 and they responded with a bill and that is it! On this bill also it shows an address in Louisiana and I have never even lived in Louisiana at all there is no way that this is my account. Plus a bill is not validation that I owe this debt it is just a bill for an account that was in my name and I have absolutely no knowledge of this account at all. I reached out to them after the bill was sent to me letting them know that this was not my account and did not hear anything else back from them which is ridiculous! I have to file this complaint because they have been ignoring me since they sent the bill to me as validation.
|
| 02/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently found out due to signing up for a credit wise which shows and helps with your credit report that on XX/XX/2015 with a past due balance of XXXX my now ex partner opened a XXXX account in my name without my knowledge. He told me that the account was in his name and to also that the account had been paid in full bc I knew he had been behind on a payment before when we moved back to our home state. I found that this is not the only derogatory account he lied about being in his name when in actuality it was in mine. I dont feel that I should be held responsible and that he should have to take responsibility for his actions and transgressions. And unfortunately I am the one who is dealing with the repercussions of his irresponsibility. Thank you and hope to hear back from you
|
| 02/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I WAS CHECKING MY CREDIT REPORT AND I AM I UNWARE OF THESE DEBTS FROM THIS COLLECTION AGENCY. I DO HEREBY REQUEST THAT THIS OFFICE PROVIDE ME WITH COMPLETE DOCUMENTATION TO VERIFY THAT I OWE THE SAID DEBT AND HAVE ANY LEGAL OBLIGATION TO PAY THIS DEBT TO ERC. Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed ERC {$410.00} OPENED XXXX XXXX, XXXX ERC {$350.00} OPENED XXXX XXXX, XXXX
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
From a cell phone account that I was added to as a user, but not the primary account holder. I was not the person that opened the account, or signed the agreement. XXXX attempted to extort me back in XXXX 2014, but when they realized that I was not the party responsible, they stopped. Apparently Enhanced Recovery has ties to XXXX in some way, because my score has dropped XXXX points while trying to dispute this. I was told that every time XXXX talks to Enhanced to try to straighten it out, Enhance refuses, and XXXX refreshes the debt and lowers my score. Enhanced has never attempted to contact me to resolve this issue. I call them, and they know that it is now my information, but they still wish to extort me. My score is so low now that I have begun suffering losses because of it.
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Enhanced Recovery Company ( ERC ) is failing to uphold Federal Law, regarding reporting 100 % accurate information ; ERC is reporting INACCURATE, unfair information on my credit profile, which is affecting my ability to obtain credit.
I've communicated to ERC, via certified mail, with return receipt, on two ( 2 ) separate occasions ; my first letter to ERC was received and signed off on, on XX/XX/2021 at XXXX, and the second letter was received on XX/XX/2021 at XXXX. I havent received any correspondence, whatsoever, from ERC, nor have they removed this inaccurate, negative information on my credit report, and its been 13 weeks, or 91 days since theyve received and signed for my first letter!
ERC is reporting inaccurate information on my credit report, and refuses to remove it.
|
| 08/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I live in California which puts a cap on the amount of interest a debt collector can charge in interest by debt collectors. This is in regards to an old XXXX XXXX XXXX bill. Which shows as the amount owed to the original company as {$150.00} and now with the collections agency it 's more than tripled which even at the highest interest rates is impossible were I living in XXXX of the XXXX states without a legal interest cap debt collectors can charge by law, but luckily I live in California. I would like to take care of this so that it 's off my credit report but the company states I now owe {$500.00} rather than the {$150.00}. Please investigate this, I was told that this collections agency previously had its authority revoked for similar issues experienced by multiple consumers.
|
| 08/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
We were charged over {$100.00} by XXXX XXXX XXXX for some unknown reason and when we called the customer care to find out what it was about, they did not give us any proper response and they said it was some technical error from their side. After 4 months we get a call from Enhanced Recovery stating that they are coming to collect the bill amount and although we did not know what it was for, we paid duly. Its been over a year and now we notice that they had filed a delinquency report against us. Our credit score has been hit by XXXX points and there is no one coming forward to help us with it. We did not notice this statement until recently when we went to the bank to get a loan to purchase a house. We have proof that we have paid the company, can they still hold this against us?
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Enhanced Recovery Corp is the agency representing XXXX who is the original creditor for this account collected against me for the amount of {$1500.00}. I found out that they reported it again by XXXX , 2016. I have sent letters and complaints about this account ; I have being asking for XXXX to open an investigation since the time the transaction was done to find out who steal my identity, also how and where they did it?, I am trying since yeas ago without any success. In fact, they refused to open an investigation and still forcing me to pay for XXXX devices I never purchased in firs place. I am statementing that I have being a victim of Identity Theft and harassment from XXXX and XXXX collection agencies related. I need help, please. This is illegal and unfair.
|
| 06/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX is reporting false information regarding an alleged account they claim I gave permission to set up. The Customer Name listed at the top of the Service Agreement is not how I spell my name. This Service Agreement was signed on XX/XX/XXXX, however the signature on this Service Agreement is not my signature. This is not a valid contract. I did NOT sign this document. It was signed fraudulently. I never gave permission to open this account, nor requested an account be setup with XXXX. Consequently, this account has been sent to Enhanced Recovery Company for collection. Please see the attached letter dated XX/XX/XXXX from ERC regarding the XXXX Account XXXX. This negative reporting will hurt my credit score and I do not want this item to be falsely reported on my credit report.
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022 after receiving a copy of my credit report I wrote a letter to ERC to dispute the debt and request verification and validation documents. I specifically requested any contract or agreement with my wet signature as well as any proof of contract to substantiate they are entitled to enforce a commercial claim, I received a response dated XXXX XXXX stating the debt is valid with an attachment of the final bill from XXXX.
ERC failed to provide any documentation requested including, but not limited to the original certified agreement with my wet signature from XXXX XXXX XXXX XXXX did they provide any documentation of a contractual relationship between Enhanced Recovery Company and XXXX XXXX XXXX authorizing them to enforce a commercial claim against me for this debt.
|
| 10/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX incorrectly placed an account into collections for {$49.00} with Enhanced Recovery Corp. After seeing the collections account on my credit report, I called the collection agency and then XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that this was a mistake on their part and they would have the dept removed completely. This was done in XXXX.
Since then, XXXX XXXX XXXX has credited the {$49.00} to my account, which makes the balance zero, however the collection account continues to show on my XXXX credit report. After seeing this, I called XXXX back and they imformed me that they have requested Enhanced Recovery Corp to remove the collection account since it was a mistake on their part.
Enhanced Recovery Corp has yet to remove this false collections account.
|
| 02/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX debt was sold to ERC collection company on XX/XX/XXXX. Settlment offer made from ERC to pay {$540.00} and this was paid on XX/XX/XXXX. XXXX was removed by XXXX and has since within the last few months had a balance of XXXX added back on. Trying to figure out what happened I made several calls to attempt to resolve. I finally spoke to XXXX XXXX whom is the Senior Manager at XXXX XXXX office of the president, his employee ID is XXXX. He outright refused to help me but did offer me a settlement to pay the already paid balance at half of the amount owed to make it go away. I paid it and this is unfair to misrepresent a debt being settled then having the original creditor come back around to collect on the balance between the original debt amount and the settlement offered.
|
| 05/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Account was not mine, It belonged to a spouse. ERC has never attempted to contact me in regards to this assumed debt. I have not be notified via any channel. Mail, phone or electronically. When I call them they are extremely rude and unwilling to work out a solution or have a civil conversation. Very one sided.
The first delinquency of payment was XXXX XXXX statute of limitations is six years, leaving one remaining. I am appalled that such debt be left unannounced in attempt to collect from this company. In an attempt to refinance this has left a negative impact on my credit report.
This company should not be allowed to continue collections unless a full scale investigation proves their ability to follow and maintain Federal guidelines. Along side professional courtesy.
|
| 05/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I was originally contacted by a XXXX debt collection agency in the fall of XX/XX/XXXX for payment of phones, services, etc for approximately {$1400.00}. I opened Case number : XXXX and thought the issue was resolved until a received another notice from a different collection agency used by XXXX today, XX/XX/XXXX ( a year and a half later ). I have never done business with XXXX and need your help to make them stop hiring companies to harass and threaten me with bad credit, etc. It is unfortunate that they sold devices to persons unknown but my suggestion is that they vastly improve their vetting/authentication process before giving phones to strangers.
Thank you, XXXXP.S. I do n't really view this as " identity theft ''. I view this as XXXX making a foolish sales decision.
|
| 05/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I recently received a notification from the credit bureau of a collections account from XXXX XXXX XXXX reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate. I fear for my safety.
|
| 10/19/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a letter from ERC, a debt collection agency, saying I owed {$2100.00}, a debt from XXXX XXXX XXXX. I responded to them saying this is not my debt. This is the same debt ( it is exactly the same amount ) XXXX contacted me about in XX/XX/2023. ERC has now sent me a six page fraud handling packet. They have asked for all sorts of personnal information including social security number, drivers license, my address etc. They have sent no evidence showing I owe XXXX XXXX XXXX anything. I am not going to send them all this info for a debt that is not mine. I have never had an account with XXXX XXXX XXXX.
In XXXX we filed a complaint with CFPB about the XXXX attempt to collect on this debt. We heard back from XXXX that they would not contact us again about this debt.
|
| 11/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX has had another debt collection company attempt to collect from an account that is not mine, and I am assuming is a result of identity theft. I have tried to get in touch with XXXX 's fraud division about the fraud email packet I sent, to get them to fix this consistent error, and I have been rudely reject directly from the company several times by phone ( kind of as if that department doesn't exist ).
This has been an issue since the earlier half of 2022 ( XXXX ). The first collection company I had to dispute was XXXX XXXX. This time it's Enhanced Recovery Co for the same amount, but I do not know the finer details such as the full account number in question. I have never heard of this company before my credit report being flagged for collections as of XX/XX/2022.
|
| 07/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They did not contact me for many years after initial complaint. I had filed a complaint 5 years ago as they threatened me the same way, with a debt that they can not prove or that they did not send me the requested information about the debt they say I owed. XXXX has sold this debt many times, but they have never proved the debt is mine, or sent me requested documentations regarding the debt, which I do not owe. Time and again whenever the sell the debt to a collection the new company sends out the threatening letter to hurt my credit or sue me, this company just threatened to report the debt to a credit agency, and threatened to damage my credit. The debt is not mine, I have not had any contact, other than the collection and have not had an account with XXXX since 2009.
|
| 01/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Today XX/XX/XXXX I opened a letter dated XX/XX/XXXX in the mail addressed to myself stating that I had a balance with XXXX Amount due {$670.00}. It was from ERC stating trying to collect a settlement from XXXX. I called the phone number listed # XXXX, at XXXX XX/XX/XXXX. A woman named XXXX answered and I told her I never had an account with XXXX in my life. I told her no. She went on to tell me I must pay {$200.00} and something dollars XX/XX/XXXXShe said maybe it was fraud-I asked how. I have alerts for fraud on my XXXX XXXX account. She asked if it was from XXXX. I said if I had something in XXXX I would have been contacted prior to this-it 's XXXX. She started to tell me they would take action-I told her the state of Pa has a Statue of Limitations and hung up on her.
|
| 05/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
ENHANCED RECOVERY COMPANY has put a debt collection notice on my XXXX credit report. This account was already removed from my report and they have tried to illegally re-age it by adding it with a new date to make it appear as if it is a new account. I have not received anything prior to this notification and it is detrimental to my credit score and my ability to use my credit to rent an apartment, buy a car, and other things that require a good credit score.
I have filed a complaint with the CFPB before and they had to remove it. Now they are trying to add it again in hopes of damaging my credit score and causing distress to my life. This needs to stop.
I will also be filing a report with my California State Attorney General to let them what this company is doing.
|
| 05/04/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
A while back, I was thinking about switching from XXXX XXXX to XXXX XXXX . I ordered the XXXX XXXX package but sent it back withi n 3 day s and told them why I sent it back ( I could n't set it up and XXXX would not send a technician out to set it up ). XXXX even represented that I had every option to cancel within 3 days. That 's exactly what I did. I sent them repeated notes telling them that I owe them nothing because they did n't provide any service and I canceled in time. Since then, XXXX has hired 1 debt co llection agency after another, and each time I tell the debt collector that this is a complete fraud. Yet, they persist. As of XXXX 2017, this is th e 3rd debt collection agency attempting to assist XXXX in trying to rip me off.
|
| 09/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
This company has harassed me for years over an account that was opened fraudulently. All accounts opened during that time have been deleted from my credit report except for this one and they continue to harass me. Pretending to be law enforcement, lawyers and even going as far as impersonating social security benefit case workers. I do not receive social security. As soon as they told me that the debt would be take out of my social security benefits I asked them for a copy of the apparent withhold order and they hung up in my face. Ive written letters, faxed letters, emailed, called, provided documented proof of the identity theft history with officials police statements everything. I simply want it deleted from my credit report and for these people to leave me alone!
|
| 07/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Enhanced Recovery collection is reporting on my credit reports a bill, that has been on my credit reports on and off for over 20 YEARS. The account # XXXX first appeared on my credit report in XXXX XXXX with XXXX.
It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX of XXXX.
It was then sold to XXXX and re reported with account # XXXX in XXXX XXXX.
It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX.
It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX.
It was then sold to XXXX. XXXX XXXX and re reported with account # XXXX in XXXX XXXX.
It has now been sold to Enhanced Recovery Collections with the account # XXXX in XXXX XXXX and updated by Enhanced Recovery Collections in XXXX XXXX.
|
| 05/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have spoken with both XXXX ( where the alleged debt came about supposedly starting in spring 2014 ) and Enhanced Recovery Company and XXXX say I do not have a debt with them, nor can they find an account in their system, yet they continue to keep a debt in collections on my credit report after repeated requests to remove it ( and assurances that it would be done ).
When speaking with XXXX, they are adamant that I have no account with an outstanding balance nor have I ever. My husband has the cellphone bill in his name ... .with a completely different company.
When I called Enhanced Recovery Company the representative searched and could find no record of an account for me, yet they refuse to remove this fraudulent and completely false record from my credit report.
|
| 04/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Enhanced Recovery Corp XXXX ERC was put on my credit report a few months back. I noticed it as soon as it posted because I was a victim of identity theft in the past and pay for credit monitoring. I immediately called the XXXX & XXXX whom I believe was the company who had someone sent the account to ERC. I verified with XXXX XXXX XXXX that the information they had for me was not what was given to create the account. I them called ERC and reported that information. I then had the credit bureaus investigate and they had the collection removed from my report. Now ERC is continuing to try and collect a debt that I did not create. They need to delete the record from their database as even the original creditor verified that it was fraudulent.
Very Respectfully, XXXX XXXX
|
| 02/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Please see the attached letter which I received XX/XX/2020 claiming that I owe XXXX XXXX/XXXX XXXX a debt of {$240.00}, but they will take {$170.00} to call it square. I am denying this demand for payment ( see attached copy the letter ) I do not now, nor have I ever, had an account with XXXX or XXXX XXXX. Furthermore, it has been sixteen ( 16 ) years since I have had any type of utility in my name. The XXXX XXXX XXXX has been contacted, the Sheriffs Office as well if necessary and a complaint now filed with you.
How can they get away with this stuff? I will be sending them a certified letter to demand they cease and desist. If they have been trying to call, I've probably already blocked their numbers. This is so frustrating and so bogus ... big sign of SCAM alert.
|
| 09/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
ERC : XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX in XXXX this item appeared on my credit report ( ALL 3 ) stating I owed ERC a collection company, over {$700.00} for XXXX. It took me several attempts, and multiple disputes, as this was not my account. They finally deleted this incorrect information from my credit reports in XXXX. On XX/XX/XXXX I received a notice stating I owe XXXX {$770.00} and it has been placed with ERC for collection efforts, and has been authorized to report this debt to credit reporting agencies. Why is this nightmare re-surfacing??? It took me nearly 3 years to dispute, and resolve and have deleted and now they are trying to re-submit?? I feel this is a threat. And they are trying to get money out of anyone that will respond. This is NOT my account.
|
| 02/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I pulled my credit reports, only to find that some agency called ERC ( XXXX XXXX XXXX ) had placed a collection on my credit report for XXXX XXXX on XX/XX/XXXX for {$380.00}. I have no idea what this is for or who this is. I have not received anything in the mail concerning this matter. I am sure that is just an oversight or error, but this needs to be handled asap.The information documented on behalf of this collection is incorrect and insufficient. This company is not in compliant with the FCRA which they stand by accuracy, fairness and privacy. I spoke with XXXX XXXX on XX/XX/XXXX at XXXX XXXX and she said that the company was sorry about this and she would dispute this and have this item taken care of. I do not have a contact or any other documents from XXXX XXXX.
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
After being denied an auto loan, I checked my credit, I noticed there was a collection account from Enhanced Recovery Solutions ( ERC ). I contacted ERC and was informed that a letter was sent to me in XXXX XXXX . They place this debt on my credit report on XX/XX/XXXX . They acknowledged that the first initial letter from them was sent to me MONTHS after it was placed on my credit report.
The requirement is that once a debt collector has initiated collection on a debt, they are required to send a formal collection ( " dunning '' ) notice within 5 days thereafter.
Reporting to a CRA is an act that triggers requirement for timely dunning notice.
If the failed to comply, then they are in violation of their debt collection practices obligations under FDCPA 809 ( a ).
|
| 03/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
There is a debt from enhanced recovery for XXXX.
I have never had an att account in my name.
My mother had an account ; but, she is now in a XXXX XXXX with XXXX.
For some reason, XXXX has decided to put the account under my name and social security number as they ca n't collect from her. Enhanced Recovery has placed the negative information on my account for {$970.00}.
I 've told them when they 've contacted me the debt is not mine. It was opened in my mother 's name, and under her social security number. I was informed by debt collector that because we lived at the same address, and I had the benefit of those services, and because I am my mother 's power of attorney, I am now liable for the debt and they refuse to remove it from my credit.
THIS IS NOT MY DEBT.
|
| 12/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had contacted the debt collector on numerous occations and direct disputed it stating that a debt for XXXX was not mine. They were very rude the first 3 times. The last time I contacted them I had XXXX on a recorded line so they could verify that I was not the person they were trying to collect the debt on. I had asked them to get this debt off my credit report because it is not mine and it still is showing up and I am very upset that my credit score is hurting because of debt that is not mine. I want to know why it even showed up on mine. Do they not check SSN or Birth dates. Me and the other girl have similar names but not same birth dates. I am very upset and I would like an apology for the way I was treated by the company. I told them that and I got no response.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 01/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
on XX/XX/2018 I received several alerts that my XXXX score decreased, I checked both monitoring companies and both showed a collection company named ERC. ERC reportedly has a {$63.00} collection unknown to me, it also showed the original creditor was called XXXX XXXX XXXX which I've never done ANY business with. I called ERC to resolve this issue and I gave the lady my ss # and she said it my name XXXX?, I said no my name is XXXX that's my government name and I don't go by XXXX. The lady responded and said since I was XXXX she couldn't speak to me about the account and gave my their customer care email to contact with any documents stating otherwise. I don't have no clue who chapter XXXX XXXX XXXX is and want this resolved and removed from my credit file immediately.
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you.
ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) -XXXX-Balance {$290.00} ENHANCED RECOVERY CO L XXXX Original Creditor : XXXX XXXX XXXX -XXXX-Balance {$3300.00}
|
| 12/22/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
Gradated undergrad in 2007, into the recession. Could not find a stable good paying job to keep up with my private loans. My private loans where sold to XXXX in which XXXX sold them to another collection agency. I was contacted by ERC in an attempt to collect the debt, and they wanted to settle for what was the balance of my all my private loans at XXXX. I agree and borrowed more money to pay the debt that was agreed for XXXX, but ERC Lied and allocated the funds to other accounts that were NOT discussed and changed the parameters of the settlement without notifying me prior. It was only after I had paid them, that they sent a cryptic letter saying what account the funds had really been allocated too, thus furthering ruining my credit score and lying. IS THIS LEGAL.
|
| 09/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ERC debt collection attempting to collect on a debt that was not mine.
This same claim from a XXXX account was sent to another collection agency 2 years ago and through legal means was removed from my credit report.
Now ERC is reporting that same debt on my credit report and calling to collect. They are rude and abusive and completely incorrect. I also explained that the statute of limitations has past for Arizona even if the debt were mine but they do not care. I also suggested that the federal statute for cell phone debt ( My assumption because they say XXXX ) is 2 years but they are undeterred and are still reporting this to my XXXX report XXXX
They are combative and rude and have stated that they would stop calling and reporting to XXXX but they have not.
|
| 02/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me daily at all hours from different numbers after i told them not to contact me and that i will get to them when im financially able to and that i have verified the dept they are trying to collect is real i still get calls from them they have started calling every other day but still wont stop they are called ERC but they wont tell me what it stands for and when they call they just give me the name of the person i am talking to and demand to know if it is me i have told them i will block their numbers the lady just laughed and said good luck amd now they continue to call from different numbers XXXX at XXXX XX/XX/19, XXXX XX/XX/19, XXXX XX/XX/19 XXXX at XXXX XX/XX/19 and XXXX XX/XX/19 and they called me 15 times in XXXX and XX/XX/XXXX that i didnt record.
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
|
| 12/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX sold an alleged debt on XX/XX/2021 to ERC in my name. Once I saw this on my consumer report I disputed it and asked for validation and they removed it on XX/XX/2021 because it doesn't belong to me. However, ERC knowing this alleged debt is unverified, then sold it to XXXX XXXX on XX/XX/2021 ( when it appeared on my consumer report ). This is a violation of my consumer rights to notification of alleged debts before being placed on consumer reports to allow for validation of the alleged debt, lack of privacy of my personal information, lack of consent to give out my personal information to XXXX parties ( identity theft ) and lack of reporting accurate information to credit bureaus. XXXX, XXXX and XXXX are all reposting this illegal, unverified and alleged debt.
|
| 10/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account with XXXX XXXX that is a fraudulent account that was opened up with out my knowledge. XXXX XXXX XXXX contact number XXXX attempted to collect on this debt of {$1100.00} and I sent documentations and regarding to police report and identity theft affidavit and this account was removed and ceased collection as of XX/XX/2020. Today XX/XX/2020 this fraudulent account was then reported back on my credit report from Enhanced Recovery Collection agency. I contacted to advised them I would like to dispute this account and they have not sent any information in regards to this debt being owed nor was it verified and this is against my consumer rights. I want this fraudulent account removed immediately due to violation of my consumer rights due to identity theft.
|
| 06/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3. This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.
|
| 03/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
They called on XX/XX/XXXX @ XXXX ( PST ) They called on XX/XX/XXXX @ XXXX ( PST ) They called XX/XX/XXXX @ XXXX ( PST ) I asked them to identify themselves if they are a collection agency, they refuse EVERY TIME.
They request for me to submit my SS #, DOB, and address before continuing to answer my questions. They respond by saying that they have a serious business matter to discuss.
I tell them that I NEVER give my personal info over the phone, and I tell them that I NEVER WISH TO BE CONTACTED BY PHONE by their company ever again. I also mention that I am registered under the National Do-Not-Call Registry, and they laugh and continue to ask my personal information.
Either way, they are either violating the FDCPA or CFPB regs. Please help with this harassment.
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
ON XXXX received an alert from XXXX stating that Enhanced Recovery added a collection onto my account the same account that was dispute listed above they are continuing to add the account on my credit file when I have advised them that I was not the party who is responsible for the account due to identity theft and yet they are continuing calling harassing and trying to force me to pay for something that does not belong to me, please remove the account from my XXXX credit report and find the person responsible for the debt Results Report Number : XXXX Date Generated : XX/XX/2019 XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
XXXX XXXX | View your Report | View your credit score Deleted
|
| 12/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Enhanced Recovery Company is once again reporting on my credit profile for a debt that I do not believe to be my debt. If this debt were mine once again I need to be served with a dunning notice before a debt appears on my credit profile. I have not received a dunning notice nor have I received any verifiable proof of this debt linking this debt to me. It seems as if this company simply creates their own rules and do not follow federal or state guidelines. By law I can not have accounts on my credit profile that do not belong to me nor should I have debts on my credit profile that can not be verified. If this continues to happen I will be forced to take this process a step further in regards to the law and seek legal counsel about this company ruining my credit.
|
| 12/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
An account named ERC or Enhanced Recovery Co L has fraudulently reported a debt through what is listed as XXXX in the amount of {$440.00} to my credit report on XX/XX/2020. I have no prior acknowledgement of this account and received zero communication or information from ERC or XXXX prior to this debt collection landing on my credit report. I have been a victim of fraud and theft of my personal information including my social security number in the past. I know 100 percent this account is fraudulent. When requesting information regarding this account through ERC the employees became hostile and refused to provide any information to me as to the legitimacy of this account. I also have no documents of this account aside from it being listed on my credit report.
|
| 10/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection letter from ERC in reference to XXXX account from XXXX XXXX XXXX that went delinquent. I do have credit accounts with XXXX XXXX but they are all in good standing. I checked my credit report with XXXX, XXXX, XXXX.
I don't have a XXXX XXXX credit card. XXXX XXXX would have been reporting to the bureaus. ERC Collections acquired statements from the alleged XXXX account with my name and 2 different mailing address, from the years XXXX, XXXX.
If I would have opened XXXX account with XXXX. I would not allow it to go delinquent. I would like this investigated because the last 4 digits in the account number end in XXXX.
In the validation letter that I received there are 2 different mailing addresses and account number ending in XXXX.
|
| 03/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called Enhanced Recovery trying to pay off a debt. I received a email with a settlement amount. I purchased a money order for the amount I was told to make it for. I was told by the Agent to send it immediately so it could be there by XX/XX/XXXX. I did as I was instructed. The following week I called and was told by XXXX XXXX that my Money Order was denied for " Insufficient Funds ''. He said it was mailed back to me but he didnt know when. I've never recieved the Money Order back. I contacted XXXX XXXX and they said it was cashed on XX/XX/XXXX. My money order is cashed and the debt is still on my credit report. I made a copy of the Money order before I sent it. I also read the reviews about this company, and it seems they have done this to ALOT of people.
|
| 06/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Enhanced Recovery CO L, XXXX ( ERC ) Good afternoon, I have very little information on this company which appeared on my credit report as negative for the amount of {$350.00} on XX/XX/XXXX. I received a call from one of their associates or an associate speaking as an representative for the company XX/XX/XXXX. After sitting on the phone in silence, The associate aggressively and immediately begin to ask for my name and information, but refused to tell me the reason for the call and didn't want to reveal their name and status. I am asking to have this negative report investigated and removed from my credit report. This company is reporting negative collections to my account. I've reported them and it's still reporting negative on my credit report.
Thank you,
|
| 04/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
As of XX/XX/2021 I XXXX XXXX XXXX took a review of my credit report and I noticed that a company named Enhance Recovery Company is reporting a balance of {$96.00} dollars owed to XXXX XXXX XXXX. I am hereby disputing this debt because I never received notice to dispute this debt via mail and also I am requesting proof that I actually own this debt via signed contract with my signature or any instrument that can solidify my ownership of this account. If neither of these items in which I request can be furnished I am requesting that you remove your reporting from XXXX and XXXX immediately because you are damaging my credit. Failure to do so within 30 days will give me the authority to legally seek remedy for the damages caused by the negative items reported.
|
| 07/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX I went on XXXX XXXX and noticed my score had gone down, went to check out why and seen something from XXXX XXXX and enhanced recovery company ... I also seen that it had come from XXXX and XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I didnt have neither one before, I called and it the rep said it had come from an address Im XXXX XXXX, Florida I have never lived in Florida ever ... .I have also never had XXXX XXXX nor XXXX XXXX ... I need this taken off because it if affecting my credit score ... This is obviously identify theft and fraud..I have never received bills from here which proves that is was not done by me, I havent received any notifications ... if it was not for me checking my score I wouldnt have known nothing of this
|
| 02/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have been contacted on my personal cell phone and home phone at the most inappropriate times from the company ERC regarding a XXXX telephone debt that is not mine.
They list account # XXXX with a debt of {$280.00} ...
I have contacted XXXX and they have confirmed that this is not my debt.
I have also contacted ERC to advise them and they stated that I would not be receiving more calls however they continued to call and send letters to my home.
The info for ERC is as follows : Telephone XXXX Address : ERC XXXX XXXX XXXX, XXXX. XXXX and ERC XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX I am asking that this company be investigated for fraud and that they cease contacting me.
Thank you for your help.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H- XXXX
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS DEBT THAT ENHANCED RECOVERY COLLECTIONS CLAIM I OWE TO XXXX IS THE VERY SAME CELL PHONE ACCOUNT THAT ORIGINALLY WAS OWNED BY XXXX XXXX XXXX I HAD THIS SERVICE FOR 1 WEEK AND WAS DISSATIFIED AND CANCELLED THE SERVICE, I THEN SENT BACK BOTH HANDSETS VIA XXXX IN XXXX. I NEVER RECEIVED ANY OTHER FORMS OF COMMUNICATION FROM THEM, THEN IN XXXX I RECEIVED A COLLECTION LETTER FROM XXXX XXXX, I FOLLOWED PROTOCOL AND SENT THEM MY XXXX RECEIPTS FOR THE HANDSETS AND THIS COLLECTION WAS DISPUTED BY MYSELF WITH XXXX XXXX FOR {$950.00}. XXXX STATED THIS COLLECTION WAS DONE AND WAS REMOVED. NOW THAT XXXX WAS ACQUIRED BY XXXXTHIS IS THE SAME SITUATION, IVE SENT BACK THOSE HANDSETS IN XXXX, ATTACHED ARE MY RECEIPTS. PLEASE REMOVE COLLECTIONS FROM XXXX, XXXX AND XXXX.
|
| 05/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have no knowledge or dealing or ever signing any contract and agreement with ENHANCED RECOVERY COLLECTION who flagged my CRA account as Collections on XX/XX/2023. Source : XXXX XXXX : ENHANCED RECOVERY COLLECTION XXXX XXXX XXXX, XXXX, XXXX XXXX : ( XXXX ) XXXX Re : XXXX XXXX XXXX ( Collections Balance Date : XX/XX/2023 Balance : {$240.00} I am currently under the status of Civil Relief Act ( SCRA ), 50 U.S.C. 3952 AB 3212 no jurisdiction as a third-party vendor to flag my CRA accounts . I have already sent all creditors certified mail and cced all CRA bureau. Have whomever you are collecting debt for contact me directly as a ServiceMember under uniform code 50 U.S.C. 3952 AB 3212. I have already sent all creditors certified mail and cced all CRA bureau.
|
| 01/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a notice from the ERC debt collection agency on behalf of XXXX XXXX on XX/XX/XXXX via mail. Enclosed was a statement for the amount of {$910.00} from the contract date XX/XX/XXXX, placement date with ERC on XX/XX/XXXX and date of delinquency XX/XX/XXXX.
I contacted ERC immediately to dispute the claim and came to find out that this was for an address located in California. I have lived in Michigan my whole life and have never lived in California. I contacted my local police department to file a report, but was informed that I need to contact my social security office. I reached out to XXXX XXXX to dispute the claim and in order for XXXX to investigate a claim of Identity Theft, they require an incident report with the Federal Trade Commission.
|
| 04/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has added derogatory information to my personal credit report, and They've failed to remove the information from my credit files after multiple letters asking them to verify the debt with a contract bearing my signature to validate the debt belongs to me. The initial letter was to ERC XXXX. XXXX XXXX XXXX, FL XXXX which is the same mailing address as XXXX XXXX for the same debt ( company name changed ). I certified and returned receipt all letters via XXXX. The first letter sent XX/XX/XXXX, XX/XX/XXXX The information was also sent to XXXX, XXXX, and XXXX to be verified in accordance to the laws outlined by the Fair Credit Reporting Act.
ERC now XXXX XXXX deleted the item, and then renamed its business to add the account back to credit file.
|
| 04/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Enhanced Recovery keeps billing for an old XXXX account that was discharged with a bankruptcy. XXXX used XXXX collection agencies, the other XXXX removed the information from my credit report after receiving my letters - Enhanced Recovery has not. I am attaching letter I sent to XXXX and to Enhanced Recovery requesting they remove this negative collections information from all XXXX credit bureaus. I have also made numerous, numerous phone calls both to XXXX and to Enhanced Recovery and I 'm always told the account will be removed from my credit report but it never gets done. Enhanced Recovery has violated the law by continuing to report this debt. I think the account # is XXXX ; however, Enhanced Recovery is using a different number that begins with XXXX.
|
| 03/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was in the process of trying to get a condominium when I notice a new negative account appear on my credit report the name of the company is enhance recovery company llc a company I have never done business with before.
I did some research to find out who this company was and realize there are a lot of complaint against this company. So I wrote different letters and sent it to each of the leadership team members of the company 1. XXXX XXXX XXXX, Chief Compliance Officer 2. XXXX XXXX XXXX, Co-Founder/Exec. Chairman 3. XXXX XXXX XXXX, CFO 4. XXXX XXXX, CEO These letters was mailed certified mail with tracking. It was mailed XX/XX/2022 and it arrived at enhance recovery company llc facilities XX/XX/2022.
To date I have not receive a response from them.
|
| 11/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Enhanced Recovery Company which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
|
| 09/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from ERC that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX and XXXX and have not recieved updated information. Below is documention of the transaction.
ERC Original creditor : Balance details 0 % of this account is paid off Balance {$780.00} Balance updated XX/XX/XXXX Original balance {$780.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account.
Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent multiple disputes and erc is still reporting inaccurate information. I was not sent proper validation upon request. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
|
| 09/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX, 2017 I received a letter stating I owed ERC ( XXXX XXXX XXXX ) a debt of {$360.00}. The letter references XXXX XXXX which I do not have and have not had. I called the number provided by ERC ( XXXX ) and gave them the reference number and account number on the debt they mailed me. After providing them with my information and the information of the letter, several representatives were not able to find any account or debt listed under my name. The letter states that they are going to report this on my credit score if I do not respond. I 'm very upset and believe they have the wrong information because I do not have XXXX XXXX and they were not able to find my " debt '' with information THEY sent me. I believe they are fraudulent accusations.
|
| 03/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Enhanced Recovery Company has not responded to my letter of validation with the required 30 days so they have not validated the debt in accordance with the guildlines of the FCRA. I have sent them a XXXX letter notifying them that I have not heard from them and request they remove the tag lines from all XXXX CRA 's immediately but have yet to see any results. I have check on the XXXX website and seems that I am not the only XXXX that has had to resort to contacting CFPB concerning this company 's reporting practices and the only way to get resolution to this matter is by contacting CFPB for assistance. They also have not verified with the CRA 's either as my credit reports all still state consumer disputes claim. Your assistance is greatly appreciated.
|
| 08/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have had an account show up on my credit report from Enhanced Recovery Compan, in the amount of {$1300.00} from Original Creditor XXXX XXXX I have never had an account with XXXX and this debt is not mine. The following is all the information found on my credit report. This same account has shown up on my credit report from another creditor call XXXXXXXX not sure when it was switched to ERC, but I have tried disputing through XXXX XXXX, but it is still on my report.
Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Opened : XXXX XXXX XXXX ( 4 mos ) Account status : Open Type : Collection Account Responsibility : Individual Remarks : Placed for collection Original Creditor Name : XXXX XXXX XXXX Closed : No Info
|
| 09/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I just received a collections letter from ERC for a supposed overdue bill to XXXX XXXX for {$110.00}. The date is for XX/XX/2019 but I did not receive it until now because it was sent to a relative 's address instead of my address. I never used that address while I was a customer of XXXX XXXX. I have not had an account with XXXX XXXX in over three years and I had to dispute an automatic payment with them the month immediately following canceling services which they refunded. The letter also does not include any information about how to dispute the charge. The bill also does not show up on my credit score. I strongly suspect that this is either not an actual collections agency or that someone associated with the agency has created a fraudulent account.
|
| 11/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company by the name of ERC have a attached and erroneous debt to my SSn And name. I requested a validation of debt in which they never provided. This is why the account was removed from my XXXX XXXX and XXXX report. I am on sure as to why XXXX made a decision not to remove the false account .According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify-through the physical verification of the original signed certified consumer contract of any and all accounts request to be posted and/or reported on a credit report. A copy of the verifiable, validated proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ).
|
| 01/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was checking my credit report on XX/XX/XXXX there is a collection agency asking for payment of {$1600.00} for XXXX XXXX, I dont have a XXXX XXXX account never had one and this account is apparently opened in XXXX Tx I live in XXXX XXXX TX dont know anyone in XXXX. I contacted XXXX XXXX and filed a identity theft affidavit I also sent they a copy of my drivers license and bank statements for the months of XX/XX/XXXX thru XX/XX/XXXX I also filled a Federal Trade Commission identity Theft Report. I also put alerts on all the credit bureaus XXXX, XXXX, XXXX. I have very good credit and because this collection agency appeared on my credit report my score dropped 38 points i pay everything on time dont owe anything i want this off my credit Report ASAP.
|
| 06/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company Enhanced Recovery Company has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. This account is not mine as I have not signed a contract with them or any company they affiliate with. This account is fraudulent and was made without my consent. They have no validation of the debt belonging to me. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Enhanced Recovery Company is a scam and does not care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
|
| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been contacted several times to investigate an error on my credit report. I contacted XXXX directly on XX/XX/XXXX and a representative stated he was opening another dispute of the company ERC representing XXXX. My complaint is the amount owed to XXXX is incorrect and I have requested the documentation from the date I came to the store showing I purchased my XXXX from the company and showing how XXXX came up with the {$900.00} amount. I disputed using XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the dispute is listed as valid, however, no documentation is provided to me to review. Therefore, the company is unable to prove the {$900.00} debt and I am requesting it is removed from my Transunion credit report.
|
| 07/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had service with XXXX XXXX a few years ago. We decided to go with another compan XXXX XXXX which is now spectrum. Myself and My adult daughter took all the equipment to the store at Located in : XXXX Mall Address : XXXX XXXX XXXX, XXXX, OH XXXX Which has now since closed. All the equipment was returned as it was not longer needed. Now something shows up on my credit report almost 4 years later stating I owe this. I do not owe this, all items were turned in. I did a dispute with the credit reporting agency and it came back the company stated I owed this debt. I have contacted XXXX XXXX directly and of course no one can help me. The store is now closed, but this is not a valid collection. I returned everything to the store directly with a witness.
|
| 10/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was told that when i switched phone carriers ( from XXXX to XXXX XXXX that I would be able to do this without paying the cancellation charge because XXXX assured me that they would pay it. I told them that i ca n't and wo n't switch unless they are able to pay the cancellation charge from XXXX. Months after i switched accounts XXXX was trying to collect XXXX which i told them XXXX would pay. XXXX told me that i was n't eligible for them to pay now months after they assured me that they would pay it. This caused a XXXX collection on my report and was extremely deceitful to get me to sign up. I do n't know what to do but i am preparing to take legal action against both. Thanks for your consideration in looking into this practice by these companies
|
| 06/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I saw Enhanced Recovery Company on my credit report so i called on XXXX XXXX to pay the bill of {$230.00} and have a pay to delete letter sent to the credit reporting agencies. The payment was submitted. After a week i called back because they had still not taken the funds out of my account. I was told everything was fine and that it should be taken out shortly. 3 weeks after that i called back to be told that the payment was n't processed due to insufficient funds when there was more than enough money in the account to process the payment. When i attempted to give the payment information to pay again they refused to take down my payment information or send a letter out to the credit reporting agencies for a pay to delete as previously negotiated.
|
| 10/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received letters twice from Enhanced Recovery Co L regarding collections for a mobile device number not associated with me, on the back of the bill it tells you to pay at XXXX XXXX or XXXX XXXX. My husband contact Enhanced Recovery Co L, they tried to claim that the I owed {$1500.00} for an XXXX XXXX XXXX mobile number ; this is inaccurate. I believe the company is fraudulently trying to obtain my information, also they sent a fraud packet for me to complete. I didn't complete the packet nor pay the fraudulent bill. I have filed a police report with my local agency, the officer informed not communicate any further with Enhanced Recovery Co L, he believes this is clearly a scam, trying to obtain my personal information to use for other purposes.
|
| 12/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ERC - Enhanced Recovery Company has repeatedly sent me mail and called me excessively stating that I owe a debt to them in the amount of {$3400.00}. I have wrote them several letters disputing the validity of this debt. They have never responded to my letters. The last letter that I mailed them they refused to except the letter at all. They are reporting this inaccuracy on all 3 credit bureaus which has lowered my credit score drastically. XXXX XXXX XXXX previously attempted to collect on this same inaccurate debt and upon realizing this was not my debt and several letters to them they removed it from my credit bureaus but then sold it to ERC. This is harassment and I will file a complaint with my attorney general 's office if this does not stop.
|
| 12/18/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & ENHANCED RECOVERY CO. Debt under penalty of perjury.
Per the FDCPA/FCRA 15USC 1692 e.g.
Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
|
| 01/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I sent a U.S Postal Service Certified Mail Receipt XXXX to ERC which was received on XX/XX/XXXX. I asked ERC to verify that the debt that was placed on my XXXX credit report under account XXXX for the amount of XXXX. In the letter it asked for them to provide me several items which they failed to do. The only thing that ERC sent was a bill that did not validate that I owe. I also did a search on the Texas Secretary of State website for ERC XXXX XXXX XXXX XXXX, FL XXXX and no results came back for this company address to collect a debt in the State of Texas. I would like for the company to provide me proof that they can collect on this debt and to provide me an agreement with ERC that authorize then to collect on this alleged debt.
|
| 12/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had XXXX cable service. I decided that I did not want to have their service anymore. I want into XXXX of their stores. I turned in all pieces of equipment. XXXX actually owed me money from me over paying my bill. However they somehow lost this piece of equipment. Failed to notify me of this issue and referred me to a third party collections agency enhanced resolution center. They have been harrassing me. Calling me eight times a day over an issue I 've spoken about to XXXX. They 're " researching '' the situation but yet I 'm still getting calls. Now XXXX is calling my roommate who nowhere in my contract with time warner is she listed or named or phone number provided. I worked as a collector for over a year. I know the laws this is harassment.
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
XXXX reporting the following Bureau Name ENHANCED RECOVERY COMPAN Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 10 Months Credit Limit Not Reported Highest Balance {$220.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements.
This account has been closed since well over 7 years ago and amount was disputed back then as XXXX charged a " cancellation fee '' that was not valid. This collection agency obviously bought this and is now trying to collect. Age of account is incorrect.
|
| 06/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Hello, I am XXXX XXXX. I am a veteran and I served 7 years in the XXXX XXXX I am just trying to fix my credit score and need help from XXXX XXXX XXXX XXXX XXXX. I have recently paid off a debt. I know that there is a 7-year time frame to remove it from my credit bureau reports. I have tried everything and have been going back and forth with Enhanced Recovery company and XXXX XXXX XXXX XXXX XXXX.
I am trying to buy a home here in Texas and ask if you can please work with me and remove the XXXX balance paid from my three credit bureau reports. I apologize for my lack of responsibility and will never do it again.
I am XXXX, I have been traveling the world and now ready to settle down and buy a home. Can you please help me accomplish this goal.
|
| 07/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been attempting to get an account deleted from my credit history. The collection agency, Enhanced Recovery Company, stated that they needed permission from the original creditor to delete it on XX/XX/XXXX. I talked to the creditor, XXXX and they stated that they would have their solutions department resolve this matter. On XX/XX/XXXX XXXX stated that they no longer have a solutions department. I feel misinformed. I have had several items over the last two years deleted from my credit history without any problem. If you could please do all you can to get this account deleted from my history it would be a major help seeing that I am building my credit and this account is pulling me down. On XX/XX/XXXX the account was paid in full for XXXX.
|
| 01/31/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had a duplicated account created in error by XXXX and this account got forwarded to ERC. I have been disputing this debt for over 2 years and they refuse to remove it from my credit report. I got ahold of XXXX and they self credited the account for {$100.00} and made me aware that they would inform ERC of their mistake. I have spoken to ERC and they only give me the run around stating they have let the credit reporting agencies have the updated information. Yet as of XX/XX/2017 they are still reporting this as a valid collection. I spoke to XXXX and they say that ERC is the one that refuses to send them a release of obligation therefore they can not erase it. Between ERC and XXXX they keep putting the blame on one another. Please investigate.
|
| 01/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Enhanced Recovery Co has placed a collection account on my credit reports in the amount of {$56.00} that I do not owe them. I have never in my life heard of this company before and most definitely have never done business with them. I have never received any type of service or merchandise from this company. There is no contract containing my wet ink signature that is binding me to this company.
Also, I never received a dunning letter from this company giving me the right to request validation of this frivolous debt.
Oddly enough I received collection letters from XXXX other companies claiming that I owe them for the exact same frivolous debt. So how is it possible that I supposedly owe XXXX different collection companies for the same debt?
|
| 11/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Received call from person who simply stated their name was ( ******* ) and asked if they were speaking with XXXX XXXX.
I told them yes, who are you calling from?
She then immediately read my physical home address to me in what amounted to an attempt to threaten me in a passive aggressive manner ( we know where you live, etc. ) It was only THEN she announced she was a debt collector and the line was being recorded, etc.
I then informed her the debt was invalid as it was not something I was familiar with and told them not to call back. I have since blocked the number.
I believe the order in which the call played out was illegal based on consumer debt laws, as well as the passive aggressiveness of presenting my physical address right off.
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ERC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ... XXXX XXXXXXXX*that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 04/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XXXX Our bank XXXX contacted my business to say a suspicious check was presented. Our business name was not noted just our account and routing #.
The check was being requested FROM XXXX XXXX and made out to ENHANCED RECOVERY LLC XXXX FL.
I called ERC to ask why they were trying to withdraw funds from our account. I spoke with XXXX XXXX XXXX XXXX XXXX She acted confused for apprx 20 minutes then finally admitted someone was trying to pay off their account with OUR bank information. She would not provide any further details. She asked me to contact the police. I am in OH they have no jurisdiction in Florida..I 'm sure she's aware of that. Her behavior was very suspicious.
She gave me this reference # XXXX Is there any thing else I can do.
|
| 06/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of identity theft. Some one have obtained services using my name ... I am working to identity the effects of the identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting it.If you don remove this info, you leave no option than to sue the company because this frustrating.
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Despite the multiple previous written requests, the Enhanced Recovery Company , LLC ( Original Creditor : XXXX still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Enhanced Recovery Company , LLC ( Original Creditor : XXXX XXXX XXXX Opened Date : XX/XX/2021 Balance : {$140.00}
|
| 04/25/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We met with XXXX and were make a sale a timeshare. Three days after the sale we learned that the sale was made under false pretenses and would be able to be used due to my physical XXXX. XXXX agreed after several months of deliberations and finally voided our contract agreeing to refund all down payments, including credit charged, and fixing the negative filings on our credit accounts. We have now been fighting XXXX and their debt XXXX ERC to remove this debt and clear the negative credit filings. Its been over a year and we have been harassed with weekly mail, rude phone calls, and negative filings on our credit. We keep being told send in a dispute which we have three or more times with no resolution by continuing harassment. We need help.
|
| 09/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This cellphone plan started on XXXX. After all the lies about pricing and quality of services, we would receive told to us by the sales rep came to light. I returned all of my equipment and canceled all services under the buyer 's remorse clause on XXXX to the original store.
I paid all restocking fees and have the original sales receipt as well as the original return receipt. On XXXX I received a notification on my credit report that an account placed into collections on my credit report. And is know showing as an active collection on my credit report. I returned all the equipment and canceled all service. This Debit is not valid, and I have not received any prior notice of attempts to collect this debt to give me a chance to dispute this.
|
| 11/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a certified letter to XXXX XXXX XXXX which was received in XX/XX/2018. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled having an account with the creditor in question. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
|
| 08/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have disputed this charge with XXXX, I have contacted them and informed them, I never had, any contract with them, nor phone services, that I never authorized my name or my social. They call 3-4 times a day, I am an XXXX Veteran on a fixed income, XXXX XXXX XXXX XXXX, I have never ever, signed, anything. This is affecting my credit, and causing me stress, I had a security freeze on my credit report due to this as well and a lock to prevent anyone getting things in my name I unfroze my credit report a week ago., and as you can see in uploaded documents they added and update to my XXXX when I unlocked on the XX/XX/XXXX and XX/XX/XXXX, I am asking THEM TO REMOVE AND DELETE THIS FROM MY CREDIT FILE, AND NOTIFY CREDIT BUREAS OF THIS IMMEDIATELY
|
| 06/09/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Enhanced Recovery Company shows on my credit reports with original creditor XXXX XXXX XXXX opened XX/XX/2016in amount of {$510.00} While I recognize XXXX XXXX XXXX I have no knowledge of Enhanced have never had any business with this company. Have never received any communication from either in regards to this alleged debt. The last 4-5 years I have been on someone else 's account with XXXX and XXXX. This is either a mistake or fraud and from all the complaints on XXXX XXXX, # 3 most complaints on CFPB 252 % increase in complaints from one year to next average of 193 a month. Some 13,800 results on XXXX related to lawsuits I would tend toward fraud. I would have to ask at just what point do these companies get shut down and put in prison?
|
| 06/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
My home was burgled in XXXX XXXX. Subsequently, XXXX credits cards were opened in mine and my wife 's name, most of which we have been able to dismiss at this time. However, a XXXX XXXX account was also opened in our name, and {$390.00} was charged to my account without my knowledge. In XXXX XXXX, I received a collections notice for this amount. I submitted an affidavit that my identity had been stolen, and I had not opened this account. I heard nothing about this account since, but received yet another collections notice in XXXX XXXX without hearing anything about my initial affidavit. I have tried calling XXXX XXXX multiple times, but get shuffled between Customer Solutions and Payment solutions, with no one taking ownership of a solution.
|
| 06/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 06/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
"
|
| 07/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2015 I received a notice in the mail from Enhanced Recovery Company , LLC stating that they were collecting a balance of {$710.00} that I owed on a XXXX account. I called this company at XXXX and spoke to XXXX XXXX, who verified my demographic information and social security number. I told her that I never had a XXXX account. She then told me I needed to complete a fraud package which she mailed to me. I went to the police to file a report on this. The PA state police called XXXX and verified that I never had a XXXX account. The Officer informed me that this collection agency is a fraud as the XXXX logo on the paperwork they sent me was counterfeit. I was advised to report this incident to FTC who referred me to this web site.
|
| 11/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
|
| 11/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently complained about this same issue of XXXX XXXX trying to collect on a debt that is over 10 years old. Since the previous complaint ; they have now sold this account to Enhanced Recovery Company stating this is a new account.
I have not opened an account with this company and this was removed prior because XXXX XXXX sent it to another recovery company. This should be illegal for them to continue to sell old debts to Collection agencies. This was removed off my credit report earlier this summer and now it is back on here again. It states that between XXXX XXXX, 2019 and XXXX XXXX a new account in collections was added to my credit report. I need this removed from all 3 credit bureaus due to this is an old debt over 10 years old.
|
| 09/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I thought to make a payment with XXXX XXXX where they told me to call the collections and I did and they both gave me the runaround when I called to make a payment they had lower the payment for me and I told him give me a couple hours to call back with my bank card and then Hey call back and they gave me another story that I had to pay higher amount when they clearly gave me a reference number of me paying XXXX instead of the XXXX so I attempt to try to make the payment and they did not except it because they change their mind about a different payment of me paying more when they clearly told me if I pay for XXXX everything will be cleared and they totally lied to me Im very upset because it couldve been all paid off but they lied to me.
|
| 01/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. XXXX provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me.
I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand XXXX stop reporting a collection account that XXXX and XXXX investigated and determined it is not mine and deleted it?
|
| 11/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
Someone named XXXX, with a very thick accent, called and asked me to verify my name, address, phone number, past address, and employment. I refused to do so, asking who he was. All he would say is that he was XXXX ( last name inaudible ) from Enhanced Resource Centers, but he would not give me any additional information. I looked up Enhanced Resource Centers online, and found that they are a debt collector. To the best of my knowledge, I have no outstanding debt that is in collections ; I hung up on XXXX for this reason. However, while I 'm not an expert on the FDCPA, I 'm pretty sure that a debt collector must identify themselves as such. At no point during the two minute conversation, did XXXX every identify himself as a debt collector.
|
| 08/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ERC called me about a debt I owe for {$170.00}. I disputed and requested an itemized statement. They sent me a statement which shows I owed {$52.00} to XXXX XXXX. I called ERC and spoke to XXXX XXXX on XXXX @ XXXX and he was n't able to justify the billing amounts. He said let me get manager on the line and I spoke with XXXX XXXX @ XXXX. I asked him again why ERC is billing me for {$170.00} when the " itemized statement '' is showing only {$52.00} balance from XXXX. XXXX XXXX replied he does n't see what was sent to me and they do n't charge any interest or collection fees. I told them I wont pay {$170.00} if they can not justify the correct amount. The facts are not matching up so I informed them I will report this matter to the bureaus.
|
| 07/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Over a year ago I had an account with XXXX. I was more than dissatisfied with there service to say the least, so I cancelled. I paid my debt and moved on. XXXX then sent me to collections for a debt that was Invalid. The debt was removed from my credit by all three credit reporting agencies due to it being invalid. In the past year XXXX has given this invalid debt to XXXX collection companies that I have had to fight and prove the debt was invalid. The first was XXXX, then it was XXXX collections, XXXX collections, and now Eenhanced recovery collections out of florida. I have just filed XXXX complaints again with the XXXX and am now seeking legal counsel for there harassment. Please look into there unethical business practices. Thank you
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/23/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Enhanced Recovery is reporting an old account on my credit file that I would like removed. I have settled the debt with them and ask that this account is removed from my credit file. Under the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to remove any account since you are the original furnisher. I have settled the debt with you and am now asking you to provide a letter to the bureaus stating this account should be removed from my credit file. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.
|
| 03/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. The tradeline, which appears on my credit report from ENHANCED RECOVERY CO LLCXXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$490.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both ENHANCED RECOVERY CO LLC/XXXX XXXX XXXX individually and have not received any reply back
|
| 09/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 09/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This is collections account for XXXX XXXX XXXX services, the account appears to have been sold to a collections company by the name of Enhanced Recovery Company. This debt was taken care when I went to XXXX to return their equipment and pay the remaining balance owed. So I do not understand why this is being reported at a debt with a collections company, but my debt is paid in full, and Im requesting all the credit bureaus update my credit profiles in their system by removing this company as a collections from my credit profile accounts with each credit reporting agency or bureau. If it is not removed I will continue to dispute the validity of this satisfied debt which has been paid in full on a monthly basis until it has been done so.
|
| 06/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 03/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 01/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company is trying to collect for a debt ( that I do not recognized as mine very old ) I was not living in USA, back in the year XXXX I moved to XXXX, I just came back, to USA in XX/XX/XXXX, I did suppose to start working but due to the Global Pandemic everything has been chaotic.
I have already spoke to them that is not my debt or it was paid but they keep bothering me with letters that dont showed amount owed so I called a XXXX and the person was just rude don't let me talked so I got stressed and I hang up.
with all the stressed we all living due to covid. I just cant stress over a bill I dont even think is mine. i sent a letter asking them not to contact me anymore.
ENHANCED RECOVERY COMPANY LLC XXXX XXXX XXXX XXXX XXXX FL XXXX
|
| 08/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, I sent a Certified Letter requesting documents showing this was my account. I am asking for them to please DELETE THIS ITEM FORM ALL THREE CREDIT BUREAUS.
I was applying for a loan and the bank said a had to pay the above collection or I could not receive a loan. So I called them and they and requested Validation about this account and never received anything they just pay them half and they mark it as paid. I need them to provide me with documentation or remove this account from my credit report.
ENHANCED RECOVERY COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2018 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION Original Amount : {$680.00}
|
| 07/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was contacted by ERC debt collection regarding an alleged unpaid account with " XXXX XXXX XXXX XXXX '' ( per " Enclosure1.pdf '' ). I do not believe I had ever maintained the alleged account, and I replied in writing to request documentation showing that I was responsible for the debt ( per " Enclosure2.pdf '' ).
On XX/XX/2019, ERC acknowledged receipt of my reply. ERC stated that it was unable to provide documentation around the account, would cease collection activity, and would request that the account be deleted from any consumer credit reporting files ( per " Enclosure3.pdf '' ).
This never occurred and, as of XX/XX/2019, the account is still listed as in collections on my credit report with XXXX ( per " Enclosure4.pdf '' ).
|
| 05/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Alleged debt occurred XX/XX/2016 by ERC XXXX, FL. Upon sending Proof of Debt letter ERC retracted their claim. Contacting XXXX trying to obtain 1st report of debt they were rude, evading and hung up on me several times. Upon beginning of calls I was informed of possibility of recording, I informed them of my possibility of recording, they hung up, saying they wouldn't except recorded calls ... ..can you believe that! All I'm trying to do is obtain the length of time this was on my report. Their response is if it's not on my report they can't provide it. Yet it Can be on for 7 yrs. So, anybody they approve can damage my credit until I DISPUTE IT, but they can't even tell me how long it's been on my credit as evidence of past harm ... ..
|
| 12/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Received an alert on credit file for XXXX, XXXX, and XXXX XXXX saying new collection added to file. It stated XXXX of which I have yet to have spoken to a person regarding a debt, I have never received on written documentation in order to properly research and accept this debt all verifiable.it was just added as if I do n't acknowledge, and do n't care which is never the case. I 'm a single mother bettering myself and this is a passive illegal tactic most debt collectors like to do to your credit file, to make the person seem they do not care. This is not fact when no contact an legal notice of debt has never been received from this company for this said debt, by law giving me the customer a right to dispute, or accept this debt as is.
|
| 12/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Recieved a settlement letter for an XXXX collection in XXXX XXXX. This is the first communication i jad with a collection agency regarding this debt. I called them and they stated per phone that if i made the payment to them by XXXX XXXX XXXX that they would not report to credit bureaus. I paid it 2 weeks early and then they reported it after payment. I disputed with XXXX credit bureaus. XXXX and XXXX deleted this account. XXXX will not and i have disputed it 3 times. Ive called numerous times to erc and they keeping telling me something different. This is not the first time this has happened. In XXXX erc was reporting a debt that they never owned and XXXX would.not remove after multiple disputes and a year later it was finally removed
|
| 12/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
We were contacted by phone, before XXXX XXXX ( outside of traditional business hours ) by a collections agency called ERC, claiming to represent a receivable owed by us to cable provider XXXX XXXX dating to our move from XXXX XXXX XXXX in 2020.
We do not and have never owed any money to XXXX. Indeed, since they bill in advance, it's more likely that they owe us a pro-rated refund. This has been explained to a previous collections agency, but the alleged and invalid receivable seems to have been resold.
The ERC representantives were rude and XXXX, calling outside of normal business hour and demanding information without properly disclosing that any personal information offered would be used to attempt to collect the alleged debt.
|
| 06/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a notice from my XXXX on XX/XX/XXXX notifying me of a change to my credit report. This was a surprise. Enhanced Recovery Co reported a new account to XXXX that is listed as seriously past due in the amount {$1100.00}. I do not have any accounts with this company new or old. I do not know of this company. I do not owe this company any money. I never received any communication from such a company. I have never done business with this company.
Steps taken : I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX, the day XXXX received the alert from XXXX. While I received confirmation that the complaint was received and forwarded to the Enhanced Recovery, as of today 's date I have not received a response from Enhanced.
|
| 04/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a collection on my credit report from Enhanced Recovery Company. They showed an amount of {$640.00} with original creditor XXXX. I closed this account with a {$0.00} balance in XXXX. The date they put on my collection was XX/XX/XXXX. It made my credit score drop 25 points. I called them and asked what this is. They told me that they worked for XXXX and couldnt validate the charges and I would have to call XXXX which I did. I filed a FCC complaint against XXXX only to find out they sold my account and could no longer research or make changes. I asked ERC why they didnt send me anything by mail so I had an opportunity to dispute. They said they didnt have to. They said they attempted to call me but I never received any calls.
|
| 11/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I respectfully request full investigation and based on the information I have provided I request the Enhanced Recovery Company, LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Enhanced Recovery Company, LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I receive a notice from XXXX XXXX in XXXX that XXXX XXXX XXXX have place a XXXX bill in collection for {$290.00}. First i never received a validation notice to inform me of this matter before they just place the account in collection and on my credit report. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX XXXX and XXXX XXXX that stated I owe them in the amount of {$290.00}. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill
|
| 08/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Employee at XXXX said that I did not owe a fee since I paid XXXX months fee as well as last months fee upfront when I first signed up. I cancelled the actual membership in the gym and they said I did not owe anything after that. Now I owe {$70.00} dollars which I never received a letter in the mail saying that is what I owe so that I could dispute it. This gym is just trying to scam me with nonsense fees that I was not even aware of because of lack of knowledge from employees. I have a good credit score from all the years that I 've made payments at the right time. This is not a debt that I owe. The gym shut down so there is no way of me contacting someone with this issue. Now the debt collector is starting to call my place of work.
|
| 04/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Every so many months XXXX XXXX places an account with a collection agency which is not my bill. I have requested over the years proof of this bill and it always ends up that they can not provide any. In the past I have filed complaints against the collection companies and I think the best action is to get XXXX to stop reassigning this account over and over.
The company they have assigned it with this time is listed below and they seem at this point to understand after reviewing XXXX XXXX 's info on my account they refereed that something is n't right.
I have also requested that the collection company send me proof of this debt via phone and email. The contact person at ERC is a XXXX XXXX at XXXXERC, XXXX XXXX XXXX, XXXX, XXXX XXXX
|
| 09/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After auditing my credit reports, I discovered that Enhanced Recovery Company is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with sprint, never done any business with Enhanced Recovery Company, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports.
Account : XXXX Amount : {$560.00} " open date '' reporting : XX/XX/2017 2017
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, Enhanced Recovery, and XXXX XXXX XXXXXXXX. The Account Opened is XXXX XXXX XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Enhanced Recovery Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$72.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
|
| 05/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX, 2017 - Received unwanted robo call from XXXX at XXXX:XXXX XXXX and I returned the call at XXXX The robo call says if we want to get a paid in full report, press 1, if we want to stop calls to this number press 2 and enter your number, or to speak to a customer service agent press 4. I did n't press a number, but then was connected to a representative representing " ERC '' who said that he was on a recorded line and asked me if I was " XXXX XXXX ''. I said no, how did they get my number? ... then the representative hung up on me.
I am registered with the National Do Not Call Registry. I would like the company to refund me the cost of wasting my time {$200.00} or the penalty under the Do Not Call Registry, at their option.
|
| 11/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Enhanced Recovery Corporation has harassed me about a debt that appears to be for a month XXXX. I have explained over the phone and by mail that I have never had dealings XXXX ( I am a long time XXXX customer ) and I have never lived at the address or known anybody in the neighborhood where the service was allegedly provided. I thought the matter was settled, but have recently been alerted to negative credit information posted by them to XXXX against me.
This is either a case of gross incompetence or outright fraud by Enhanced Recovery Corporation ( given the large base of customers XXXX it would be easy to send out mass mailings accusing people of missing a payment and scam money from them ). I think this deserves investigation.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I checked my credit report and I see this has been charging fees which I never authorized and this was originally paid to the creditors including dates of last activity, dates opened, dates reported, and payment status. ENHANCED RECOVERY claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.
Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
|
| 05/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX would not itemize the charges they gave me after closing an account with them at XXXX XXXX XXXX XXXX Every month was paid. They charged for not returning equipment, but I never rented equipment from XXXX. It would be in the XXXX statement and subsequent statements since there is a monthly fee to rent their equipment as far as I know.
I made many attempts to work this out with XXXX. Representatives said they would send me an itemized list of the charges, but they never did. It was later given to a collection agency, but I do not owe anything as far as I know. If the reason for the charges were given, I would understand what I am paying. But, if they were misinformed about the equipment, I believe these charges are misplaced.
|
| 05/06/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Enhanced Recovery Company added a debt to my credit report on XXXX XX/XX/2020 after it bought the debt from another company. The debt was previously removed from my credit report because the account could not be verified by the previous collection agency. Not only was it added back to my report without me being notified by the bureaus or this new collector as required under the FCRA but the collection agency has re-aged the account in order to make the account appear that it became delinquent as of XXXX XX/XX/2020. This is an illegal practice which carries a fine. It caused my score to drop. I'm still not understanding how the collections opened date is after the date that it was updated but the dates are completely off by years.
|
| 02/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Enhanced Recovery Co has been reporting a collection on my credit report for a XXXX account. I asked for validation and information as I do not have a XXXX account. They sent a XXXX bill with the same name as mine, but at an address I don't live at. I asked for them to please clarify to which I never received a response however they did update my credit report to show a balance due of {$160000.00}! I was denied credit twice during that time period due to their negligence. I reached out to them again demanding deletion and have certified tracking showing the letter was received by ERC. They have not responded, but changed the amount reporting to the credit bureaus again since. There are multiple clear violations to my FCRA rights.
|
| 11/01/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
In XXXX I became a victim of identity theft. I have tried to verify debts and payments owed.
XX/XX/XXXX I confirmed the alleged debt with the original creditor ( XXXX XXXX XXXX ) but the representative was unable to locate the account.
XX/XX/XXXX I submitted a complaint to the Better Business Bureau about Enhanced Credit Recovery ( ERC ) stating that I did not enter into an agreement with the company.
XXXX XXXX XXXX XXXX XXXX XXXX adjusted my credit report and removed the collection from my account,.
XX/XX/XXXX I submitted a dispute with XXXX about the inaccurate report concerning ERC stating that I did not enter into an agreement with the company.
XXXX XXXX XXXX XXXX stated that ERC confirmed the information as XXXX.
|
| 04/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This was a XXXX XXXX bill that I had in XXXX of XXXX. I was billed for this account in XX/XX/XXXX as well and was making monthly payments to keep the bill from going to collections. I continuously paid this bill up until XX/XX/XXXX and that was the last payment I made before XXXX sent this XXXX bill to a collections company called ERC for no reason because a payment was being made faithfully within 30 days each month. ERC is fraudulently reporting the bill started with them XX/XX/XXXX on my XXXX credit report. This is false, the last activity on this XXXX account was XX/XX/XXXX and verified with the original debtor XXXX. They also repeatedly call two to four times per day and I have had to block every number they call from!!!!!!
|
| 05/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Im not even sure what account they are referring to because I have expressed to them that the lease company XXXX failed to pick up their product after I called them and informed them that I am no longer wanting the product. They proceeded to make a deal with the guy that still lived there and after that I am unsure of what happened, I was not contacted by them at all until the account was sold to ERC apparently. I am not fond that they are now calling my employer asking for me and informing the person answering the phone that they are indeed a debt collector. It is embarrassing and it creates a bad image on my behalf with my employer. Im not even sure how they found out where I work at because I never gave them that information.
|
| 02/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I spoke with XXXX XXXX XXXX, a Debt Collector on XX/XX/XXXX about this account listed on my Credit Report. They said that the Creditor was XXXX. I informed them that I do not have and never had a XXXX Account. They said for me to call XXXX. I call XXXX on XX/XX/XXXX, they transferred me around, and finally the lady ask for my Social Security Number. I said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call they to get more information. I tried disputing it with them on XX/XX/XXXX, I was only able to dispute with XXXX XXXX XXXX, on XX/XX/XXXX.
|
| 02/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC.
When I recently called XXXX directly, they said they had no account under my name ENHANCED RECOVERY COMPANY , LLC says XXXX internet/cable bill was for the address at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX But I never lived at # XXXX, I lived at # XXXX, so obviously ENHANCED RECOVERY COMPANY , LLC is either charging me for someone elses account and they never sent me a notice to the right address.
Account Information : ENHANCED RECOVERY COMPANY , LLC account : opened date : XXXX XXXX, Balance {$51.00}, This situation for me is stressful, it has affected my credit score.
I want the remove acccount from all bureaus ASAP.
|
| 05/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Yesterday ( XXXX XX/XX/2020 ) I reported to CFPB that XXXX XXXX and XXXX XXXX XXXX are attempting to collect on a {$1000.00} account that is not mine. Today I noticed that XXXX/XXXX XXXX/XXXX have transferred the account to Enhanced Recovery Company in the sum of {$1000.00} earlier this year. I have not opened accounts with any of these companies voluntarily. I reported this to XXXX ( the only credit reporting agency showing this collections account ) using their Online Dispute Service on XXXX XX/XX/2020 but I expect no favorable resolution because they sided with XXXX before. I should also note that I have never received an account statement from XXXX, XXXX, or ERC. This is a continuation of my CFPB complaints XXXX and XXXX.
|
| 10/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2019, I exercised my right and questioned the validity of a debt that Enhanced Recovery is reporting negatively on my credit bureau. I have obtained proof that Enhanced Recovery received my request on XX/XX/2019 at XXXX XXXX. I have attached both copies in my complaint. Today is XX/XX/2019, and Enhanced Recovery has not responded to my request for proper verification for debt. Enhanced Recovery had 30 calendar days to respond, from the date of receipt, and because they have not sent any verification are currently in violation of the FCRA. Due to Enhanced Recovery being in violation of the law, I am not insisting that they remove the negative information that they are currently reporting on my credit bureau immediately.
|
| 11/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company has been calling my number which is registered on the FTC do not call list from different spoof phone numbers every since I bought this phone a few months ago. They called today from XXXX XXXX XXXX which is my area code in XXXX California but when I called them back I got a recording saying they were closed and to call back before XXXX XXXX eastern time. I do not owe any money to these people and I am sick and tired of having my life interrupted to tell the XXXX I am not the person they are seeking. They continue to ignore me and call anyway at least twice a day. The recording identifies the company as " ERC '' but I have never heard of this third party debt collector nor have I ever received any mail from them.
|
| 05/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
ERC debt collectors have called and sent me a letter stating I have a debt amount of {$540.00}. On a recorded line they stated the account was opened in XXXX. Which I DoNot recall having any XXXX service in XXXX. I then became stressed and worried so I checked my XXXX credit account. On my XXXX report I show that I disputed this same company ERC from my credit report for an account opened in XXXX, for the amount of {$250.00}. However, the mobile company shown on my report states its T-Mobile. This account was disputed and deleted from all 3 credit bureaus in XXXX. Why am I still getting collection notices from ERC if the account has been removed when I filed a claim to dispute through XXXX and it has successfully been removed.
|
| 07/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 09/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Good Afternoon. First and foremost, I, XXXX XXXX XXXX, is filing this complaint. ERC Collections sent a letter to my parents home in XXXX, XXXX First and foremost, I haven't lived in XXXX since College, which was XXXX. Secondly, I have never had an account with XXXX. I am requesting that they cease communication and that they remove this account from my credit immediately. I will sue if they keep this on my credit. I have submitted an identity theft report from the police station and from idtheft.gov. They have contacted me twice and I do not owe anything. Now they are reaching out to people that they think are associated with me. I am a victim of identity theft and I am requesting help with this issue immediately. Thank you.
|
| 04/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX COMPANY or ENHANCED RECOVERY CORPORATION depends which credit reporting agency you look at, is putting a collection from XXXX on my reports. I have never had an account with XXXX ever and I 'd like these removed. I have disputed with the credit agencies ( XXXX and XXXX ) and to no avail. I have disputed a XXXX time and I still have yet to hear back. When I call the collection company they answer and hang up. I 'm convinced this is fraud and I 'm not the only person saying this. A google search of any of the company names shows others complaining about accounts that they have never owned. I just want this removed from my account and this company shut down. They 're illegally trying to collect debt that I do not owe.
|
| 02/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I don't know what this debt is for. I disputed it through XXXX XXXX but didn't receive any details back as to what the debt is for ; just that they say it's valid. Aren't they legally supposed to send me a validation letter explaining the debt since I have disputed it?
I called on XX/XX/XXXX to find out more and the rep said it was given to them XXXX of XXXX and was passed onto them from another collection agency. That is was for an account opened back in XXXX. She could not tell me exactly what the amount was for, and I don't recall. I don't have a record of receiving any letter from ERC or another company regarding this debt.
Also, isn't this past the statute of limitations per the Fair Debt Collection Practices Act?
|
| 08/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
ERC has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to fews purchase a home but ERC is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, XXXX, XXXX.
|
| 04/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I previously closed my cable vision account ( several years ago ) due to irregularities on my bill and sent in the old XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) cable box device. This was previously sent to corrections which I disputed and the collection was removed from my credit. Now recently, this old amount is owned by a new debt collector that goes by Enhanced Recovery Company ( ERC ) and is showing up again on my credit by a different collector this time. I have disputed this, yet again, through XXXX XXXX # XXXX and now taking further actions against these collectors to protect my credit. Please SOMEONE assist. The contact information for this collector is : ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX
|
| 05/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
**Please note, debt was already disputed an d discharged, but not due to bankruptcy, it was dismissed because I was found to not be responsible for it. I was sent a notice from a debt collector called : ERC, to notify me that XXXX XXXX hired them to come after me for a debt that had already been disputed and dismissed both by the previous creditor employed by XXXX XXXX and by XXXX and XXXX last year. How can they hire a second debt collector to come after me like this? I did a lot of work to get this debt removed and cleared already. This is like double jeporady! I am an elderly woman on a fixed income, and I am not responsible for this debt to begin with! Please help m e! See letter ata ched. Thank you!
|
| 11/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I just checked my credit history and noticed I have a delinquent account with a pending collection attempt that has adversely effected my credit score. This is the first time I am aware of this situation, and I am unaware of what the debt is in reference to. I have a perfect credit score, and history - and this debt owed of {$190.00} as stated in my score has changed all of that. I would like this derogatory item explained and removed asap, and am willing to do anything I can to assist in its removal from my credit history. If its real debt owed, ill be happy to pay the amount - so long as they can communicate what its for and promise removal of it from my credit history. This is clearly some oversight and some mistake.
|
| 02/27/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I was contacted last year XXXX XXXX XXXX by a debt collector working for XXXX XXXX XXXX about an outstanding debt ( XXXX ) which was not due by me. Bill was under my name but I had left the country ( Job in XXXX ) in XXXX XXXX. My ex husband did n't pay his Internet bill and the bill was under my name : as a result, the debt collector contacted me and I paid {$100.00}, last year XXXX XXXX XXXX ) but the debt collection shows on my credit report and will up to 7 years. The Debt collector does n't want to delete the debt collection file so it affects my credit score. I want them to remove that debt collection from my credit report because I paid and settled that debt which was not mine.
Thank you fr helping me with that.
|
| 05/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In XX/XX/XXXX, I tried out a XXXX cell phone for a week, and returned it as per XXXX 's new customer agreement, and paid a {$35.00} return fee. In the next few months, I was called by this agency with a request for {$660.00} for the value of the phone and a month 's service. I explained the situation to them and called XXXX corporate and the store I got the phone at. The collection disappeared from my credit report, only to return XX/XX/XXXX as showing a month 's service, which I never had, having possessed the phone for one week only. I have tried to call XXXX corporate on three different occasions requesting a copy of said statement, and each time being assured one would be sent, but never having received a statement.
|
| 08/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was having automatic payments taken out of my bank account from XXXX. I lost my source of income, and called to have automatic payments stopped. The payment was still taken out and overdrafted my account. I had my lawyer involved, who had it taken care of from the bank 's side, but i still have XXXX in my collections. I stopped these payments and do not feel like i owe them anything. This was also several years ago, and happened just before my family of XXXX had to be rushed out of the house we lost to back taxes, which them caused my dad to have his XXXX. My family was enduring major hardship at this time, as well as me being told that i owe money i should not have to owe. I did my part, and i cancelled the payments.
|
| 05/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The debt collector ( ERC Enhance Recovery Company LLC based in XXXX ) using XXXX phone numbers XXXX has been calling my home phone on daily basis.
My home number is registered with both XXXX no-call and National no-call list. The caller does n't leave any voice message regarding why " it '' has been calling? I called back to inform them that our phone is on the no-call list please stopping calling otherwise they will be reported. They were also informed that if they have any legitimate debt, please send the debt in a registered mail subject to further discussion and dispute resolution. So far, the scammers keeps calling my home phone without further stating its purpose. I would like them to be put on the Stand!
XXXX
|
| 11/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
First, let me give background. I am unsure of the debt and why there is an attempt to collect. I previously received information from XXXX XXXX XXXX, who provided the attached letter about the inability to validate.
I want the initial communication from ERC, required under 809 ( a ) of the Fair Debt Collection Practices Act, to dispute the debt and request validation of this supposed, as a previous collection agency tried to do so and had to send that letter. Under 809 ( a ) ( 3 ) of the act, I know that the 30 days starts upon receipt of notification to dispute, not from whatever day ERC claims to have mailed it. I have not received the information, regardless of when it was mailed out, and it is on my credit report.
|
| 02/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I had opened a cell phone account and all my information was stolen due to my purse getting stolen. I had found out that the cell phone bill had been accessed by someone pretending to be me. They had changed the address on the account and began making insurance claims on the account and also made a PIN so I was unable to access the account. I had filed a police report and went to a store to prove I was the real owner of the account. I had did everything I could as well as provided the name of the purse who stole my things and the creditor still went after me. I had disputed this information on my credit reports last year and everything was removed and then XX/XX/2015 the creditor had added it back onto my credit again.
|
| 03/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a call from Enhanced Recovery XX/XX/XXXX claiming I owe a credit card from XXXX for a total amount of {$1300.00}. I asked them to let me validate the debt by sending it to me in writing and they refused saying they are litigators and not collectors. They threatened to garnish wages, place a lien, and that my kids will visit me in XXXX. Shortly after the call, my credit report got an alert showing Enhanced Recovery reported a derogatory account for {$840.00}. As I'm writing this, I received another automated call stating that they are processing a court claim and need to verify my personal information - I hung up. How do I dispute this considering they are refusing to provide an address or validate the debt?
|
| 09/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XXXX XXXX, turn my account over to a collection agency, without notifying me. XXXX tried to collect money that I did not owe. They tried 2 times before, and I went into Assemblyman XXXX XXXX office and it was determined that I did not owe XXXX. XXXX sent the bill to a collection agency and I asked the collection agency to validate the bill and they were unable to validate, and they removed the item from my credit report. XXXX then sold the account to ERC collection using an old old address in the state of Arkansas and I was not notified, until the ERC collection had allowed the time to run out, past the 60 days that I had to dispute the bill. I am asking that these charges be removed from my credit report immediately.
|
| 08/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am in the process of going back to school. Once my credit was pulled I noticed Enhanced Recovery Corporation reported to all three credit bureaus as a collection on behalf of XXXX XXXX. I contacted Enhanced Recovery Corp on XXXX and XX/XX/XXXX, both times the representative was very rude and not helpful. She stated it is my debt and I need to just pay it. I asked to please validate the account and she stated that has already been done. I am not aware of this company. I am in Tennessee and this collection agency is not licensed in the state of Tennessee. School will be starting in XX/XX/XXXX, can someone help me resolve this issue so I may continue applying for my student loan? Reported on XX/XX/XXXX Amount {$250.00}
|
| 03/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Tis is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency.
Same amount same everything just a different collection agency.
It keeps on coming up every few month through a different collector.
Will it ever end? It was never me I never had anything to do with XXXX.
Thank you XXXX XXXX Account nameENHANCED RECOVERY Account XXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$1.00}, XXXX past due as of XX/XX/XXXX.
Status updatedXXXX XXXXXXXX Balance {$1600.00} Balance updatedXXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms XXXX XXXX On record untilXXXX XXXX
|
| 06/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX, XXXX our house burned down. All XXXX equipment was lost in the fire. We called XXXX on XXXX XXXX, XXXX to report the loss of equipment. We were told by the customer service rep that we would receive a bill for the final amount. In XXXX XXXX, we received a statement dated XXXX XXXX, XXXX showing the charges for the service and equipment. On XXXX XXXX, XXXX we paid the balance on the account. Now, 3 years later, we are being harassed by XXXX collection agencies for a XXXX charge of {$140.00} for which they have not produced any documentation as proof that this is a valid charge. The harassment began in XXXX XXXX and has continued even though we have produced documentation showing our account paid in full.
|
| 02/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
When checking my credit report I discovered a collection account for an old XXXX XXXX account through Enhanced Recovery Corp. in the amount of {$790.00}. I am a former XXXX customer. I switched service providers in XXXX of 2013. My records indicate that I notified XXXX of my decision to switch provides in late XXXX 2013. There is no way I owe XXXX over {$700.00}. I paid my bill up until then. Please note that I am disputing this collection and I am requesting ERC to cease and desist with any further collections on this account. Have ERC contact XXXX the original creditor and make them aware that I disagree with this collection. I have not received nor have I spoken with anyone from ERC or XXXX regarding this account.
|
| 07/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Case number : XXXX followed the correct measures and filed my complaint. The collection agency ( Enhanced Recovery Company , LLC ) admitted they had the wrong data and would close the collection account on XXXX XXXX, 2015.
Now, two months later it still shows as a derogatory item on my credit scores ( all XXXX bureaus ) and it seems that Enhanced Recovery did not follow though with their promise to remove this negative item from my file.
They never provided me with any information or account # 's in their initial contact with me. This company is extremely unprofessional and are abusing their abilities to ruin people 's credit.
They have not followed through with their promise to remove this from my credit file.
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| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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| 04/07/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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ENHANCED RESOURCE CENTER CALLED ME TO MY PHONE NUMBER XXXX FROM THEIR PHONE NUMBER XXXX. IT TOOK SEVERAL SECONDS FOR THE REPRESENTATIVE TO COME ONLINE, A TEL TALE SIGN OF AN XXXX. THEY REFUSED TO GIVE ME THEIR ADDRESS ( I WANTED TO DISPUTE THE DEBT THEY WERE ATTEMPTING TO COLLECT. THEY REFUSED TO GIVE ME THEIR XXXX POLICY WHEN I REQUESTED IT. I ASKED IF THEY WERE CALLING ME FROM INSIDE THE UNITED STATES, THEY TOLD ME NO. I ASKED HOW MANY TIMES HAVE THEY CALLED ME, THEY TOLD ME ONCE A DAY. THEY USED A SPOOFED NUMBER TO CALL ME FROM.
THEY VIOLATED THE FDCPA, TFC SECTION 392, TCPA SECTION 227, AND DTPA ALONG WITH TBCC SECTION 302.301. ( See TBCC 302.302 ). THE TBCC CARRIES A {$5000.00} PER VIOLATION STATUTORY PENALTY.
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| 08/23/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2021 I check my credit and I notice that a new collection account was added to my credit collection history. An account was open with XXXX Since XX/XX/2021 and has not been paid and refer to collections. I disputed this information per the address were services are been giving is not my address. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX and the address where services were request is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. A letter was mail to the tenant of this apartment letting her or he know that I know he using my information to obtain cable. XXXX delete this information from my credit report but I am still worry about my personal information specially my social security number.
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| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Enhanced Recovery is reporting an invalid collection they apparently bought from XXXX.
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.
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| 02/25/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Good day. Company ERC continues to contact me via phone and mail attempting to collect debt that is not mine. I have asked for proof to ensure the debt is mine. I demanded the original contract that was signed for the items listed also proof that this company is able to collect debt on behalf of original credit. ERC has sent me documentation that does not look original nor has any hard information. The company also does not have my social so i am curious to know how they can threaten to place a collection of an unknown debt on my account. The statement they sent via mail is not descriptive at all. Its a repeat amount of prices for unknown services. Please have ERC stop harassing me for debt that is not owned by me.
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| 10/12/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a written demand from ERC on XX/XX/2020 with details as follows : *Reference number - XXXX *Alleged original creditor - XXXX XXXX *Amount demanded - {$78.00} I responded in writing in a letter sent by certified mail to the address accompanying the demand ( XXXX XXXX XXXX, XXXX. XXXX, XXXX, PA XXXX ). In the letter, I gave written notification that the debt is not mine, requested an accounting, and gave details on when and how to best reach me.
According to the information received from USPS that ERC refused to accept the letter, and it was returned unopened.
Such refusal appears to be a bad faith tactic to frustrate efforts to invoke the protections and rights of state and federal consumer laws.
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| 10/25/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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at XXXX XXXX. i received a phone call from enhanced recovery at XXXX XXXX giving me a phone number which being the same as above, with a medical number of XXXX stating that this was a debt collection agency, when i called to the number to complain they want me to sign up for a free florida vacation. If you answer the questions to satisfy them they switch you to a XXXX XXXX talking about the free vacation. I told them i received a phone from enhanced recovery and had a reference number stated above and they hung up. This telephone number calls my phone numerous times a week, so i decided to return the call and found out it was fake, i would like to have this business checked out, i am on the do not call list, thanks
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| 02/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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In the first week of XXXX 2014, I paid ERC XXXX dollars for a XXXX phone bill over the phone with a debit card to my bank account.In addition ERC charged a fee in excess of that amount to pay them.not for expedited service but to simply pay my debt.
Even though the fee was less than XXXX dollars, ERC DOES NOT DISCLOSE this total amount paid on my credit report.The reason they fail to is that " pay-me '' fee is illegal according to CALIFORNIA XXXX FDCPA.IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX ORIGINAL CONTRACT.Additionally they have verified to XXXX and XXXX that the account is paid in full not in excess of paid in full and do not disclose the amount actually paid by me,
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| 04/15/2016 |
Yes |
- Debt collection
- Credit card
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- False statements or representation
- Indicated committed crime not paying
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Web |
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XXXX Credit Card and XXXX XXXX ; I did not apply for the XXXX and was paying the Credit Card. Then I started receiving calls from a collection agency, I spoke to the woman, told her i could show her where I had just paid XXXX online payment, if she would give me an email address that I could forward to.I think the company 's name was XXXX XXXX out of XXXX, TN Area. This company continues to call me 3-4 times a week. I still charge online purchases through paypal and make payments online through them. But the collection agency continues to call and tell me I owe app XXXX. I have asked them to stop calling me and finally stopped answering when I would see their number. The number they were calling was XXXX. XXXX XXXX
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| 03/10/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received three letters from ERC : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX All the statements claim that I had an XXXX XXXX XXXX XXXX Account and owe {$150.00}. I have never had an XXXX XXXX XXXX XXXX Account. I and my sister have spoken to them several times on the phone and they failed to provide me with proof of debt / unpaid statements.
The address they are claiming that I had XXXX XXXX XXXX XXXX account had an active XXXX account under someone else 's name ( my sister 's name ). The bills were sent to them. I also provided them with a letter from USPS confirming that the mailbox had reported thefts on it. Last time I spoke to them they assured me that this will be cleared off my account in 8 weeks.
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| 05/01/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX I moved into a new house in a different city and transferred my services to that address. A few months later I received bills in the mail for a different addr ess on the same street with my name on it. It appears that duplicate accounts were made with my name and social security. The company would call me couple times per day to the point I had to block their number. I contacted them twice and spoke to the collections department both times they stated that two acco unts were registered and my social security number. I never received any calls or mail about being sent to collections. Most recently XXXX XXXX I received notice via my credit report that I had an account in collections with an agency.
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| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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Enhanced Recovery Company , LLC, says that I owe a XXXX bill for {$220.00}. I paid XXXX {$150.00} on XX/XX/XXXX as a " Settled in Full '' Now they are saying and also reporting on my credit report, that I owe an additional {$220.00} and when I called on XX/XX/XXXX, I spoke with XXXX representatives and they are unwilling/unable to assist. I called back in XXXX and disputed it, they said that the documents will be sent to me. I never received them. Called yesterday, they said the documents would be sent and I do n't believe that they will be.
How can there be XXXX identical {$220.00} bill from ERC representing XXXX? I paid, they are refusing to remove the hit on my credit report.
Any help would be appreciated.
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| 09/07/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX 2017 I sent a validation letter to Enhanced Recovery Corp they recieved itXX/XX/XXXX 2017 on the behalf of XXXX. I ask in the valdation letter for them to send me a signature of the contract and validated the debt the say I owe. The sent me a bill of the phone useage from XXXX themselves. I then sent 2nd letter tell them this does n't validated an debt an to remove this debt of my credit or I will be force to take legal action I sent the 2nd letter onXX/XX/XXXX 2017 giving them an additional 5 days business to validated the debt they recieve that letter on XX/XX/XXXX 2017 it is pass the debt but they have recently reported a new collection on my credit onXX/XX/XXXX 2017 but having validated my debt
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| 10/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ERC ( XXXX XXXX XXXXXXXX ) sent a debt collection notice for XXXX for XXXX XXXX XXXXXXXX. I wrote and said it was not mine and requested documentation relating to the account and debt. It was not sent. I received a fraud packet requiring I submit a police report which I can not possibly do without info on the account. I also provided proof of residency during the time the account was opened. I live in IL and the account was opened in PA. I wrote them and explained this. They won't respond and keep threatening to report this on my credit. I am a XXXX and this seems very shady and harassing. XXXX also has dubious fraud prevention measures. Finally, I froze my credit last year so not sure how this happened at all!
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| 07/21/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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An account from XXXX XXXX XXXX was opened under my SSN either accidently or fraudulently. The debt is not mine, I have never had any accounts with XXXX XXXX XXXX. From my understanding, the phone number, name, address, etc. associated with the original account are not linked to me, but the account somehow continues to show up on my credit report. I have disputed this account with both XXXX and the collections agencies every time it shows up on my credit report. Every time I dispute the account it is removed, however, every 3 months or so the debt is sold to another collections company and it shows up on my report again.
Please help me get rid of this fraudulent account for good, it is ruining my credit score.
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| 08/01/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX has allowed someone to open a debt in my name that does not belong to me. I have submitted all documents to all companies and the credit bureaus. the companies has also forwarded the documents to XXXX XXXX XXXX. I have called XXXX XXXX XXXX and spoken with them personally to verify that they know this is a fraudulent account. XXXX XXXX XXXX continues to resell this account to different collection agencies to have them report this debt to my credit. they have had this debt re reported 3 times wile changing the amounts of the amount owed so that the credit bureaus will re-report. This is against the FCRA rules and i made XXXX XXXX XXXX aware of this and they still have this account re reported
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| 05/10/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX 2017 , I noticed th at Enhanced Recovery Corp. was reporting a debt to all XXXX credit bureaus. I did n't have prior knowledge about the alleged debt. The original creditor listed is XXXX . XXXX never sent me a letter informing me of an account that was being purchased/assigned to a collection agency. Additionally, ERC never sent me a dunning letter. Upon my discovery, ( XXXX 2017 ) I sent ERC a debt validation letter. In turn , ( XXXX 2017 ) they only sent me a copy of a billing statement. This billing statement did n't even contain the addre ss of the original creditor. Furthermore, I know under the FDCPA ERC has violated my rights as a consumer by reporting an unvalidated debt.
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| 09/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I requested validation of this debt XX/XX/XXXX and this collection agency sent a letter in response that they were deleting it from my credit report, however when I got the results from my dispute the account still remained on both XXXX and XXXX. I sent in a copy of the letter received stating the account would be removed to both of these bureaus and still they are saying that Enhanced Recovery is verfying the information to be correct. This makes zero since being that they have put in writing they were removing the account. As you can see the deletion letter is dated XX/XX/XXXX and the XXXX credit report is dated XX/XX/2016 and when XXXX verified this information they had a copy of the deletion letter on file.
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| 08/13/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
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| 04/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I did not know about this debt till I received a letter from ERC near the end of XXXX. The debt is not valid and they posted this as a past due debt on the 3 Bureau Credit Reports without informing me of the debt. this is now being reported as a deregatory item even though this was not communicated till late XXXX.
I contacted ERC and stated this is not valid and that the debt needed to be removed. i told them i would file complaints and take necessary legal action for this erroneous Credit Reporting actions they took without ever communicating the debt. They stated I had to prove that I did not owe the debt. Which I stated no, you need to show me this is a legitimate debt and they had no evidence to provide.
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| 01/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
I was getting annoying phone calls at which time I didn't answer since I didn't recognize the numger. Then, a few days later, I received a letter in the mail from a company called ERC XXXX XXXX XXXX XXXX, FL. XXXX Claiming that I had an account with XXXX XXXX XXXX XXXX and as of XXXX today I owed {$920.00}.
Upon reading the letter I immediately called ERC to dispute the matter. I only got a response from an automated voice in which they tried to set up some kind of payment.
I requested to speak to an agent and was put on hold for XXXX minutes and the was disconnected. I call a second time and was not able to speak with someone and was disconnected again. I have never had an account with XXXX XXXX XXXX XXXX.
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| 10/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Older American |
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I had an account with XXXX and someone hacked into my account information and ordered 10-12 phones from an address in XXXX. Whoever hacked my account had my address and were able to pick up the phones from my address when they were delivered and outside. I never received any phones. I have tried to correct the issue with XXXX but they are unwilling to send me to their fraud department and have sent a collection to the company I'm filing the complaint against for XXXX. Please help me resolve this issues. I am not willing to pay for any service or equipment i never received. It's obvious i did not use these phones and have never had any phones other then the one I used. Please assist me any way you can. thanks.
|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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In XXXX received a notification that a new collection had be added to my credit report. The collection is from ERC Account # XXXX in the account of {$800.00} with a collection date of XXXX for XXXX. The have added this to all reports XXXX and XXXX ). This collection was previously deleted from my credit report on XX/XX/XXXX because it was not my debt to begin with. Since then this collection has been readded to my credit report a total of 4 times each time being deleted. The are also each time placing it on my report with a new collection date like the collection is new and reporting as late. They keep selling a deleted closed collection that has been deleted since XX/XX/XXXX bus to the statue of limitations.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
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|
Web |
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I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
|
| 03/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
ERC is trying to collect on behalf of XXXX mobility. I am being billed for a good I never received. Two XXXX, XXXX never mailed has no history of mailing me anything, never activated the never received phone. This has been going on again since XX/XX/XXXX. They all send me to different sections XXXX customer service, billing and collections. Then, collections tells me to contact ERC and they will call and XXXX agent can advice the Bill should be removed. My credit has been negatively impacted. I signed up for XXXX at XXXX, they did not have phones they would be mailed. This was XX/XX/2019. I cant believe they tried to tell me to pay XXXX of the XXXX. I told her not a XXXX for something I did not ever receive.
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| 01/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My social security number was used to open a XXXX XXXX account in XX/XX/XXXX, using a different lat name than mine. XXXX put the account to collections with XXXX XXXX XXXX ( ERC ).
After finding the item on my credit report in XX/XX/XXXX, I filed an identity fraud claim with XXXX, including a fraud affidavit, bank statements from XX/XX/XXXX, and my driver 's license.
XXXX confirmed in writing that this was identity fraud later in XX/XX/XXXX.
I contacted ERC and they agreed that the report was in error and said it would be removed from my credit report within 45 days.
It has been 4 months the item is still on my XXXX and XXXX XXXX credit reports and substantially affecting my ability to get credit.
|
| 07/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have sent many disputes to the Credit Agencies and to Enhanced Recovery in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Enhanced Recovery verified that this account is accurate. But it is ironic how Enhanced Recovery will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Enhanced Recovery. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.
|
| 02/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was contacted via mail by Enhanced Recovery Company pertaining to a debt from XXXX XXXX that they acquired on XXXX XXXX, XXXX. I checked my credit report and noticed that this was also added to my credit report. I decided to reach out to this debt collection company and told them that this debt did not belong to me and I did not reside at this residency during the time that this XXXX account was activated. Also, I neither authorized anyone to open an account under my name nor did I call XXXX to open an account on the behalf of anyone. Someone unlawfully opened an account under my name and this went without notice for a long time. According to them, this account was opened on XXXX XXXX, XXXX at the address.
|
| 05/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have automatic credit score updates on my credit card account and one day XX/XX/XXXX, this debt appeared from enhanced recovery corp.
I disputed it with XXXX and they said it will stay due to info they received. Assuming at this point, maybe I would be contacted about this debt I waited a couple months but received no letters or anything else.
I disputed this again just a XXXX weeks ago and was told by XXXX that my claim is frivolous and it would remain. This time though I received some contact info about this collection agency.
I have not tried to call them because of all the horror stories on the consumer complaints website.
It was recommended that I start here first. Can anyone help me with this.
|
| 07/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had XXXX phone service years ago which I cancelled XXXX kept billing me then charged me late fees on amonts I didnt owe them. This company tried to collect the dept i didnt owe. then put the amount on my credit report {$87.00}. I had this false information removed from my credit report in the year XXXX. In XX/XX/XXXX ENHANCED RECOVERY CO opened a new account for the same amount without ever contacting me and in XX/XX/XXXX put it on my credit report again.
ENHANCED RECOVERY CO is commiting fraud and a violation of the law.
Company : ENHANCED RECOVERY CO L Address : XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$87.00}
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| 03/08/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is from ERC, which is trying to collect from an old XXXX account. I stopped service with them because I could NOT get any service in my new office whatsoever at the time. This was in 2011. This was 10 years ago! The person who called me about this debt told me that I still owed it, even though it was from 10 years ago. At this point, cell phone carriers don't even make you do a contract. I had to cancel this contract because I could not use the service. The who called me about this said the debt is not on my credit, but that I still owed. I don't see how this can be true? I want them to stop trying to collect from me.
Basically, trying to collect on a debt that is over 7 years old does not seem legal.
|
| 03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After checking My credit report today, it has come to my attention that Enhanced Recovery Company a debt collector is attempting to collect on a debt that I have no recollection of and/or do not own. ERC has added this debt to my credit report without any formal communication to me. They have also failed to properly document this debt as valid. At NO POINT did I have a debt with XXXX the original creditor cited on the ERC listing on my credit report. This company has hurt my credit rating by 24 points after I have worked so hard to fix my credit. I NEVER owned an account to XXXX and I nor do I owe anything to ERC as I have NEVER dealt with this company as well. The amount the claim thats owed is {$960.00}.
|
| 01/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR following accounts XXXX** XXXX** XXXX** DEBTS I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX who apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the (FCRA) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615(f), 623(a)(6).
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| 09/29/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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Hello, I have attempted to dispute the account the collection agencies who have taken an account to collections with XXXX credit bureaus in the amount of {$610.00}. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent XXXX letters of validation to which I have receipts for and they have failed to respond to. Not only is it XXXX company disputing the same debt in collection but it 's XXXX different companies disputing it in different credit bureaus. I will be filling separate complaints to both companies. I am reaching out of your help because as a last resort before I reach out to my attorney. Please help me and I appreciate your time.
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| 12/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
Through XXXX XXXX 's credit monitoring, I noticed there was a collection out for slightly more than $ XXXX from ERC for the date of XX/XX/XXXX, which was not present on XXXX credit score report ( using XXXX ). Called the phone number listed on XXXX XXXX for the ERC company in question, which immediately asked for my Social Security Number ( I did not provide ). Looking at the phone number and address provided, they differed from the website for ERC. Fraudulent impersonator 's info : XXXX XXXX XXXX XXXX Florida, XXXX, phone number : XXXX. Upon contacting ERC through the phone number on their more legitimate looking website ( found on XXXX ), they said this information was not associated with their company.
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| 07/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
|
| 12/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 12/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I am writing to file a complaint about XXXX. I am preparing to buy a house. On XX/XX/2019, my lender ran a credit report and found a fraudulent charge. Enhanced Recovery Collection claimed I had an outstanding bill to XXXX of {$5500.00} that was sent to the collection agency. I have never used XXXX. I disputed it, thinking it would be simple for them to investigate and close, considering I have never used the service. On XX/XX/2019, I received a message from XXXX saying that the charge is accurate. I don't know how to prove that it isn't, considering I have no knowledge of this account, I've never used XXXX, and the charge is not mine. I very much need this fraudulent charge removed from my credit report.
|
| 06/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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ERC ( www.ercbpo.com ) is trying to collect a debt that was paid a year and a half ago. When closing a XXXX account, I paid the final due of {$110.00} directly to XXXX, but then I started receiving letters from ERC trying to collect the debt. ERC has an account number for me : XXXX.
Nothing I could do worked at all : writing to them, calling them, disputing through credit agencies, so now I'm writing you.
This is seriously affecting my credit score, and I'm tempted to pay the fraudulent {$110.00}, but I want to check with you first. Is there anything that you can do to help, or notify them of your awareness and that they should remove the fraudulent debt? What should I do?
Thank you, -XXXX XXXX XXXX
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| 11/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This " XXXX XXXX XXXX '', aka " ERC '' of XXXX, FL., a predatory collection agency, continues to report false information about a debt that I was never liable for, for XXXX XXXX XXXX XXXX
" ERC '' claims the debt originates to XX/XX/XXXX, for {$130.00}. They have been informed repeatedly that I NEVER had an account of ANY type with XXXX beforeXX/XX/XXXX ( when I signed up for cellular phone service after having been with XXXX before then ).
" ERC '' continues to report the debt ( but paid ) as " valid '', as recently as XX/XX/XXXX without providing ANY verifying documentation as to the validity of the debt. " ERC '' 's only action has been to claim the debt is accurate and to report such to the 3B 's.
|
| 10/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I was in the process of trying to get a mortgage and when a new credit report was pulled an account from Enhanced Recovery was reporting. I had a representative contact them because time if so of the essence. I currently have XXXX so I was surprised that they indicated they were collecting for XXXX. I would have paid this had I gotten notified but never did. My representative asked for a number to reach XXXX and was told they would not give the number. I have called several XXXX number and have gotten nowhere. What worries me now is how do I know this is truly mine? Like I said I have XXXX now and if they ca n't give me a phone number to contact the original company how can I know this is a valid account?
|
| 04/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
i send a letter to ENHANCED RECOVERY COMPANY to dispute the validity of alleged debt in the entirety of {$830.00} from the creditor known as XXXX for an alleged disconnected mobile service.My specific dispute with ENHANCED RECOVERY COMPANY alleged debt is based on the fact that i only have 1 month service to XXXX.I am requesting them that the following information be supplied ; a detailed description of the service for which this alleged debt is owed ; an itemized description of how the alleged debt was calculated ; and copies of document showing that i agreed to purchase any product or services to XXXX they did not send me any letter about this alleged debt i only know this when i check my credit report.
|
| 01/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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.
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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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 XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ENHANCED RECOVERY COMPAN XXXX Balance {$600.00}
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| 06/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have contacted ERC direct in an attempt to validate the information being reported on my credit report to no available. I had to do research to obtain the correct mailing address as the address being report on my credit report is incorrect. They did not respond to my request for information in an attempt to validate the alleged debt by they verify this subterfuge as being accurate. This inaccurate, erroneous reporting is hurting my ability to obtain credit and my financial wellbeing. This alleged account from XXXX has already been removed from XXXX but not XXXX. If they don't answer me how to I know this account was ever investigated?
Not sure that company name they are legally doing business under.
|
| 12/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 06/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XXXX of XXXX I applied for an apartment. I was informed a debt for XXXX XXXX XXXX appeared for an amount of XXXX $ through ERC debt collection. I have n't had any XXXX XXXX XXXX services for a good number of years so I assumed it was fraud since it showed it was placed on my credit XXXX of XXXX . Upon talking to XXXX XXXX XXXX , the debt is from XXXX . It 's 7 years old a nd ERC is attempting to report it as if it were recent. I was never informed via mail of this action and only found out when I nearly became homeless from this credit reporting issue. The situation became extremely stressful as I have XXXX kids, XXXX of which is XXXX and we needed immediate housing.
|
| 10/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I closed an account with XXXX. I debt of {$48.00} is owed to XXXX for two days of service. My account # is XXXX. ERC called me and tried to claim I owed them a total of {$250.00}. They sent me fake bills today with the wrong account number # XXXX XXXX as well with the inflated debt claiming XXXX sent me to their collections service. The problem with this is XXXX, the original creditor, sent me a bill today requesting the same {$48.00} they have requested for over a year. ERC sent false paperwork and added false information to my credit reports. They need to remove themselves and all negative information from my credit reports and they need to cease all communication with me in regards to this fake debt.
|
| 04/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
Enhanced Recovery has put XXXX different collection accounts on my XXXX profile. All of the Debts show different amounts and have been re-aged which is illegal. I would like to have this removed from my credit file. According to the law reaging is illegal under Creditors, collection agencies, or credit bureaus, if they try and " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. Consumer protection afforded by the FCRA FCRA Section 605 ( c ) {$1000.00}.
Open Date N/A N/A XXXX, XXXX {$0.00} {$0.00} $ XXXX Utilization Ratio 0 % 0 % 0 % Last Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX N/A N/A N/AThanks,
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| 01/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXXmy husband called ERC for account XXXX. The letter had a debt from XXXX or XXXX essentially asking that half be paid to resolve the debt. I have been married for 10 years and the debt is under my maiden name. I have strictly had XXXX on my dad or husbands plan since XXXX grade. At no time have I ever had XXXX or XXXX XXXX. ERC refused to talk to my husband on my behalf. It is absurd and wrong that I have to jump through hurdles on a charge that I have never made. While I understand the need for collections when bills are not paid I also do not understand why they refuse to talk to my husband about this issue. As I have stated previously I certify my consent to talk to my husband directly.
|
| 09/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX continue to report on my XXXX a fraudulent debt from XXXX on my credit report. Im in a dispute with XXXX over a fraudulent balance left in my name over an unauthorized device ordered placed without my permission or knowledge. The police reports validate my information and use of my name was stolen to obtain credit and other unauthorized devices. Additionally a debt collector called ERC contacted me yesterday stating XXXX has now sent them the debt to pursue which I have requested for them to open a fraud investigation back with XXXX on this matter. XXXX XXXX has no legal authorization to continue to pursue or report this debt to XXXX which is a major violation under the FCRA and FDCPA.
|
| 01/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On Monday XX/XX/2019 I received a phone call from erc about a XXXX bill that I do owe. when I told them there is no way I could come up with {$1000.00} at the moment a collector and a supervisor by the name of XXXX threatened to report the account to my credit if I did not pay them by the XXXX of XX/XX/2019. when I asked about how their credit reporting works and how often they reported to the credit bureaus they neve answered my question and instead kept telling me that they were going to report to my credit because I could not pay. then on XX/XX/XXXX-XX/XX/XXXX of 2019 I received harassing phone calls 5 times in 2 days with 4 voice mails and no message left on the voicemails just back ground noise.
|
| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Last year I filed several complaints, case # XXXX and case # XXXX against both XXXX and XXXX, stating they violated the FCRA and FDCPA thru their deceptive use of my credit report.
They attempted to collect a debt that was not owed, nor could they substantiate, nor provide me with proof of the debt.
XXXX removed the debt from my credit report in XXXX, 2014, as a result of this complaint.
XXXX has now hired another company Enhanced Recovery Corp to collect on the same debt they claim I do not owe them.
This is malicious action has damaged my credit and character.
They are engaged in the same violations as XXXX was.
This is a patterned action by XXXX and I ask your agency to investigate the matter.
|
| 08/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Enhanced recovery company keeps reporting a fraudulent collection to the credit bureaus for a collection at att mobility. I've been a customer with XXXX over 5 years and they have already proven to the credit bureaus that my accounts have always been in good standing never late or missed payments. XXXX and XXXX have both deleted the collection and confirmed with XXXX that it was fraud. Enhanced recovery company continues to place this item on my reports and attempts to make me pay a fraudulent charge. XXXX deleted the collection the same day it was placed on XX/XX/2020. The company placed it on my report for XXXX again on XX/XX/2020 and XXXX confirmed fraud and deleted it the same day on XX/XX/2020
|
| 05/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
|
| 09/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My late wife who was XXXX requested an antenna from XXXX ( she was a 15 year customer ) because the reception in the apartment we lived in at the time was very poor. XXXX delivered the antenna after much hassle. My wife finally succumbed to her illness and I moved XXXX to be with my daughter 's. I canceled my XXXX phone and returned the antenna to the local XXXX store XXXX XXXX XXXX, XXXX XXXX before I left. The young lady took the antenna and wished me well. I paid my phone bill in full but XXXX kept on sending bills for the antenna. They have turned the bill over to several different collection agencies. Each one has tried to cut a deal with me. I refuse to pay for something that I returned to XXXX.
|
| 04/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The Debt was initially a XXXX debt from 2011. The debt was reporting owing {$980.00} due to equipment chargers. After contacting XXXX the amount was correct to reflect only {$310.00} owing for the past due bill. Unfortunately the debt was sold to Enhance Recovery. I called the company ( Enhance Recovery ) to settle the debt and ask If settling could have the debt removed. I was informed once the debt was settled I would receive a paid in full letter and ERC would report to the XXXX bureaus to have the information corrected/removed from my credit report. I did receive the Paid in full letter as stated, but my credit report was not updated to reflected paid in full or the derogatory information removed.
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Enhanced Recovery Co L and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
|
| 06/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of 2019 I contacted XXXX XXXX from XXXX XXXX XXXX regarding a collection with XXXX XXXX XXXX. I scheduled automatic payments through my checking account every 2 weeks starting XX/XX/2019 until debt was paid in XX/XX/2019 to the total of {$1500.00} XXXX XXXX paid every 2 weeks ). Last month ERC came up on my credit report for the same company XXXX XXXX XXXX for the amount of {$1500.00} this debt has been paid with the original creditor and I have my statements and bank info to show it has been paid. I would like ERC to remove that derogatory collections on my credit report because it is showing up as a new collection when it is not. This is poor practice of collecting a debt that is finalized.
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I returned the equipment to charter communications within the 30 day window. I know that because I moved out of state within that 30 day window. ERC for the first time in 6 years regarding the contacted me on the matter. Stating the it went to collections. I disputed it several times with them and stated that it didn't matter if I returned the equipment and that I do not owe the money. ERC told me that there is nothing they could do. Besides waiting 6 years to contact me they also want me to pay a bill when I returned the equipment and had a witness with me.
They told me I can keep disputing it but I will still have to pay.
XXXX XXXX did not log in my equipment at the time that I dropped it off.
|
| 01/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had an XXXX collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX and XXXX reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.
|
| 09/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
After reviewing my credit file it has come to my attention that ERC is reporting 2 accounts representing XXXX onto my credit file. One in the amount of {$370.00} and another in the amount of {$610.00}. Not only do these accounts do not belong to me I was never informed and given my right to dispute the validity of these 2 accounts. I have never received any communication regarding these accounts from ERC. I am a victim of identity theft. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
|
| 12/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Due to the fact that I a not a U.S citizen, I did not understand that when resolving issues, like these i had to go to all credit agencies, and because of this lack of knowledge I only contacted XXXX to have the problem resolved. XXXX XXXX XXXX recently bought an outstanding {$1000.00} XXXX debt in my name dated XX/XX/XXXX. However I had contacted XXXX about this issue ; listed under 'XXXX XXXX XXXX ( ERC ), and had it removed from their records back in XX/XX/XXXX ( XX/XX/XXXX ) when i showed proof that the social security they had on file that was connected to the debt was n't my social security. Then issue still exists under my XXXX and my XXXX files and I 'd like it removed from these scores also.
|
| 12/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2018 two XXXX XXXX XXXX accounts were sold to XXXX XXXX in an attempt to collect debts that were not mines. I wrote letters to XXXX XXXX to provide proof that these accounts belonged to me and to also provide a signed contract with my name and they were not able to do that so all collections attempts were ceased and account was deleted from my credit. I see that now those very same XXXX XXXX XXXX accounts have now been sold to Enhanced Recovery Company in an attempt to say these accounts are mines again. The account are in the amounts of {$830.00} and {$610.00}. Please provide me with proof that these accounts belong to me with a signed contract or cease collections on both these accounts.
|
| 07/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XXXX of 2019 I was called by a collection company stating I owed {$320.00} for what was a XXXX XXXX bill. I had never received a bill from XXXX stating I owed any balance, and when I received the call from the collection company they were very rude and threating on the phone. I would've paid the bill if I had received one from XXXX but I never did. When I got the call from the collection company I had asked them to prove that I was the one who owed the debt. They refused to do so, saying they did not have to prove it and that I owed it. Anyways, I paid them that same day so I wouldn't have to deal with them any longer. Now I am trying to buy a home and this paid collection is hurting my scores.
|
| 05/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have requested debt validation from this company several times. I have requested information about what this account is for, the date of XXXX delinquency, and an itemized final bill from ERC.
The XXXX request was over 60 days ago and the last request was over 30 days ago. The only information I have recieved is a paid in full letter. I requested debt validation.
I was told over the phone that ERC does not have this information and they need to contact the Original Creditor for this information.
I paid this debt in full to the Original Creditor, ERC is continuing to report this debt with inaccurate information to the CRA including the date of first delinquency and the amount of the debt owed.
|
| 10/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
|
| 08/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I recently discovered a collection on my credit report from Enhanced Recovery Corp. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.
|
| 06/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I recently contacted Enhanced Recovery Company about a debt I noticed on my credit report. I was never notified of this debt nor given the right to dispute or have the debt verified in writing. The address ERC provided to me was one I do not live at. I requested they restart their recovery efforts by allowing me first a chance to pay the amount due without reporting to a credit bureau. I paid the amount in full and still see the issue on my credit as unpaid. I would like Enhanced Recovery Company to immediately remove this trade line from my credit report with any and all bureaus they have reported to. I feel this is warranted as I was never afforded the opportunity to handle this issue properly.
|
| 01/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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ERC is claiming I have debt with XXXX. I haven't had XXXX in years and it was never on my credit report before. I have never received a XXXX bill at this current address either.
The letter is dated XX/XX/2021 in the amount of {$220.00}. They say they will settle the debt for {$110.00}.
Website XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida.
Pay with cash at XXXX or XXXX XXXX.
I had also put a freeze on my accounts because I have had an issue with someone opening accounts in my name. This account should never have even been opened if this was an actual account. I should have been notified immediately someone attempted to open up an account in my name but I never received an alert.
|
| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 I reached out to Enhanced Recovery Company through mailing them a letter about an erroneous debt on my credit report. I simply asked the company for the original instrument of indebtedness and they have not replied. on XX/XX/2020 I tried to reach out again via certified mail to request the same thing and I was not contacted in return. On XX/XX/2020 I notified them that it has been 30 days since I reached out and according to FTC federal law, if a company doesn't try to contact or workout their claim within the 30 day period they must remove it from the consumer 's credit report. I notified them that it has been more than 30 days since I reached out, but there still was no response.
|
| 03/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019, I sent a validation to enhance recovery asking them to validate, i requested proof that I am indeed the party they were asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I asked for a signed contract.
Instead the documentation I received was a copy of a phone bill statement, What Did the COllection agency use? what did they send the credit bureaus to verify that the account was accurate and please ask them to validate the debt.
If they are unable to validate this debt all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
|
| 02/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have a collection on my account from a collection company ERC who claims they are collecting on behalf of XXXX XXXX XXXX. I have never had Services with XXXX XXXX XXXX. I contacted them and was informed that they don't have anything on record for me having a bill. I informed them that a collection is on my account in the amount of XXXX. I was informed to submit a complaint and file a dispute with ERC. I sent ERC a letter asking for PROPER validation and I got back the paper work that's included and doesn't make sense.They sent me what appears to be a billing statement from XX/XX/2013 that does not have account details. This collection is bogus and I want it immediately removed from my reports.
|
| 12/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.
These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.
1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<
|
| 12/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this debt with multiple collection agencies. As soon as it is disputed and removed. It is then sold to a different company then the whole process starts all over again. I have disputed this debt with this current company, ERC, and informed them that I do not owe this debt. I have never been associated with the company that this debt has been purchased from. But this seems to fall into deaf hears. This XXXX dollars debt has been following me for the last four years and being sold to multiple collection agencies. My credit score takes a huge drop every time this shows up on my reports.
Please help me get rid of this issue and hope I do n't have to deal with this again.
Thank you
|
| 05/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company, ERC, sent me a letter and claimed I have unpaid amount {$380.00} to XXXX XXXX XXXX . Except I do n't do business with XXXX XXXX . I visited XXXX and ask them if they have an account under my name, gave them my driver license and the letter from ERC. XXXX search and came back negative, they do n't have me as a customer, they also checked back dated to year 2014 , nothing. I also checked my credit report and verify a possible identify theft, again, nothing. Contacted ERC, XXXX , gave them the reference # XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer. XXXX XXXX XXXX
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, i have been trying to communicate with these XXXX collection companies for over a year now. They refuse to send me any paperwork from the origional creditors and keep changing the items from the pictures below. I've spent some time reading your regulations and they are breaking them all. The accounts are XXXX XXXX XXXX, so over the state statute of limitations and they are not listed correctly with so many of these lines listed on my report.. These accounts must be deleted per your rules and regulations.
They call and threaten me all the time, i tell them to stop calling and they call from other numbers. Can you please force them to remove these from my report for breaking your rules?
|
| 12/27/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company states the I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report
|
| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
For several years, Ive been getting harassed by Enhanced Recovery, in regards to a debt that is incorrect. I have provided proof of payment to my bank, as well as all of the major credit bureaus, in which have ALL sided with me, in the past, & Ive successfully been able to remove the false report from my credit report. Recently, Enhanced Recovery has reported to XXXX, in which I disputed & provided proof of payment, but XXXX is refusing to remove the false report from my credit report. I paid {$940.00} on XX/XX/27 to have the account closed! This included the cost of equipment & any/all termination fees. On XX/XX/27 I was charged an additional {$230.00}, in which was incorrect & unauthorized.
|
| 04/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Enhanced Recovered Company trying to collect debt {$1100.00} which is not mine. They bought this debt from another company that tried to collect last XXXX of 2020 this company put a collection on my credit report which I disputed and it was removed. Now Ehanced Recovered Company just put collection on my credit for {$1100.00}, I to them that this account is not mine, I asked them to provide proof that the account is mine they wouldn't give me any proof. Instead they have ruined my credit with collection account. They're trying to scare me into paying for a debt that I don't owe, because they believe that they have the power to distory my credit. Something need to be done about these companies.
|
| 01/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contact the company through written notice XX/XX/XXXX to let them know I do not owe them {$1900.00}. the company did not respond and verify the debt according to the letter I sent. The company continues to report on my credit XX/XX/XXXX that I owe now {$1900.00}. They are reporting two different amounts {$1900.00} XXXX and {$1900.00} XXXX. The company has not notified me or contact me about this debt. I just saw it on my credit. I have reached out in regards of finding out why, because I do not own this debt. They have yet to respond. The debt is said to be with XXXX, but it is owned by enhanced recovery collection. I am attaching the letter I mailed in XXXX and the documents I sent with it.
|
| 05/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notification from a credit monitoring website that a collections account was added to my report. I looked at the information for the company, Enhanced Recovery Company, and I have never done business with this company. I have no accounts with a company by this name. I'm assuming it's a 3rd party collection company. I mailed out a letter on XX/XX/2021 asking for debt validation from this company. I have not received any information from this company in response to a debt they say I owe. It has been over 30 days and this is still reporting on my credit report and has caused me harm financially. It has dropped my scores and caused me not to be able to attain funding for my business.
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three CRA.
|
| 10/12/2015 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
This is not mine when I called ERC XXXX enhanced recovery ) they had a different name on the account an Ohio address for whoevers account it is. They had me e-mail in a copy of my DL and a brief explanation and said it w/be taken off my credit report. I did, it was n't. So I called back a few months later the lady said she saw all the info/conversations that had taken place and did n't know why it was n't off my credit report. She had me send in everything I had previously sent in again. Here it is another couple of months it 's still on my credit report. They have admitted it should not be on there so why have n't they removed it? In fact, they reported it this month to a different agency.
|
| 07/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have disputed with the XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information as inaccurate with XXXX, XXXX, and XXXX to send information that verifies the debt has not been paid. How is this possible? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX, that 's been paid and resolved.
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a notification that a collection was added to my credit report on XX/XX/2023 from ERC. I called XXXX and spoke to a representative. I told them I had no knowledge of the account and the account fraudulently opened and I never authorized anyone to use my information to open the account. I told him I was a victim of identity theft and I could forward them my Identity Theft Report from the FTC. I was given and email address to send my report which I did but was told it was take 30 days to be removed from XXXX, XXXX and XXXX but I want it deleted immediately! Incorrect information is being reported and the creditor has already violated code 15 USC 1692g sec. 809 ( b ) of the FDCPA.
|
| 06/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Billing error 12 car 1026.13 ( 6 ) requested additional clarification.
Time for resolution : given 30 days and defiled the requirements from 12cfr 1026.13 15 USC 44 ENHAMCED RECOVERY COMP. DID NOT MEET Requirements under 1026.13 and 15 usc 1666 ( d ) correction of billing UH. I now have a violation of law against ENHANCED RECOVERY R.
REMEDY FOR NATURAL LIVING WOMAN AND BENEFICIAL OWNER. YOU ARE CIVILLY LIABLE TO ME UNDER IMPOSED SUBCHAPTER WITH RESPECT TO ANY CONSUMER ANY CREDITOR WHO FAILS TO COMPLY WITH RESPECT TO ANY CONSUMER IS THE. REDITOR UNDER 15 usc 1602 ( e ).
Notice and demand for cease and desist was given on XXXX I will upload all documents as certificate of authentication
|
| 04/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I HAVE NEVER RECEIVED ANY FORM OF NOTIFICATION FROM THIS COLLECTION AGENCY AND NOT GIVEN DUE PROCESS TO DISPUTE WHAT THEY STATE THAT I OWE. I RECEIVED AN ALERT FROM THE CREDIT BUREAU EXPERIAN STATING AN ENTRY WAS REPORTED TO MY CREDIT REPORT. I CAME TO LEARN THAT THEY WERE TRYING TO COLLECT ON A XXXX ACCOUNT THAT I HAD DISCONNECTED IN XX/XX/XXXX. THEY ARE STATING THAT THE DEBT IS FROM XX/XX/XXXX. I STOPPED USING THEIR SERVICE BECAUSE THE TECHNICIAN COULD NOT FIX THE PROBLEM WHICH CAUSED ME TO HAVE NO SERVICE WHEN IT RAINED THAT WAS IN XX/XX/XXXX. THEY HAVE RE-AGED THIS DEBT AND HAS KNOCKED MY SCORE DOWN BY XXXX POINTS. THE COLLECTION AGENCY IS ENHANCED RECOVER COMPANY, LLC OUT OF FLORIDA.
|
| 10/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
For an account closed in XX/XX/2017, at service/billing address of XXXX XXXX XXXX, XXXX XXXX. Account was closed and balance was paid, and I moved to XXXX XXXX, XXXX CA XXXX. At no time did XXXX send me a bill to close the account. I was contacted by XXXX XXXX XXXX to collect the final bill of {$94.00}, which I paid over the phone immediately. Paid reference # XXXX. I have contact XXXX over 25 times to rectify this situation. My credit score has plummeted significantly and I can no longer qualify for loan or rent. Not only was this NOT my bill ( I was not living nor residing in the home at that time ), and I NEVER received a bill from XXXX prior to this charge being sent into Collection.
|
| 04/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
I was contacted by Enhanced Recovery of XXXX XXXX XXXX, XXXX, FL XXXX, XXXX regarding " several collection accounts ''. They would not identify these accounts and I was told that at XXXX Friday ( XXXX/XXXX/2015 ) I would be visited by the police who would have a warrant for my arrest.
I asked them to provide me a written statement and was told I could read it in jail if I did n't pay " right now ''.
When I refused and again requested a written bill, the collector became very abusive and told me he did n't have to give me anything in writing. I asked if he was familiar with the FDCPA and he told me that makes no difference to him and he would be enjoying the weekend while I was in jail.
|
| 03/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recieved a fake collection letter from Enhanced Recovery Company LLC, asking me to pay an amount I do not owe, for an XXXX XXXX XXXX phone account. I have an active XXXX account and am in excellent financial standing with them. The letter has the following logos on it, clearly pulled from internet image searches ; XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, and XXXX. It appears to be an attempt to gather more private information, such as phone number and banking information so that a person could be harassed by this company until they pay, then have money stolen right out of their own bank accounts. Please do not contact these people or give them any information about yourself.
|
| 10/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I originally disputed this account with XXXX and XXXX XXXX account number # XXXX. I informed the company this was not my debt. At that time I was told that I would not be having this on my credit. Long story short it was on my credit report and now a debt collector has obtained this debt and is harassing me for money. {$180.00} payment. I informed ERC I am the victim of identity theft and I was informed by XXXX XXXX I need to re file a police report. I explained I would not be refilling any more police reports as I previously filed already. I never contracted with ERC or XXXX XXXX XXXX for services and no longer wish to be harassed by these debt collectors and I did not give my consent.
|
| 06/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I am writing consumers because I contracted XXXX XXXX and I was XXXX XXXX before that my car was broken into my social security card, credit cards and identify was compromised, which cases incorrect reports on my credit report. XXXX XXXX XXXX XXXXXXXX ) is showing {$600.00} debt that is incorrect/fraudulent transaction I never got a loan with XXXX XXXX needs to be removed off my credit history, XXXX shows {$110.00} which isnt correct I get essential Internet I have uploaded my bill showing thats not correct needs to be removed and XXXX credit card was stolen including my social security card, unauthorized transactions and I filed on my insurance for theft & police report was submitted.
|
| 07/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately.
1 ) XXXX XXXX # XXXX 2 ) Enhanced Recovery Co # XXXX
|
| 04/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a call from someone who would not identify the reason for the call without asking me to provide personal information last week. I received a letter on XX/XX/XXXX that states I have 30 days to dispute the validity of the debt. I sent a letter to dispute the debt on XX/XX/XXXX. On XX/XX/XXXX, less than 30 days from the date of the notice the company reported this invalid debt to the credit agencies. When I called the company the representative told me she could not give me any information and became rude when I asked her about the 30 days I had to send the written dispute.
This company did not follow FCRA guidelines and reported a debt that is not mine to the credit agencies.
|
| 09/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The debt was removed from my credit report on XXXX XXXX. ERC a company which i have never heard of took over the account with a start date of XX/XX/XXXX. I have never received a phone call, letter, or an email from them stating that they brought the account. my last payment on this account was in XX/XX/XXXX which would have been the last payment and the reason it was a " removed collection ''. i have a valid debt from a company that followed the debt collection procedure and i acknowledge it, but i have never heard of ERC and i wish this to be investigated. i have copies of my credit report and XXXX XXXX was the last company that handled this and the company that removed the collection.
|
| 03/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an alert from XXXX, XXXX XXXX and XXXX reporting agency ( s ) on XX/XX/XXXX that reported a collection debt that was added to my credit reports. I called Enhanced Recovery Company on XX/XX/XXXX and was told that they were representing XXXX and collecting a debt, I told the rep that the debt did not belong to me. I filed a complaint to CFPB back on XX/XX/XXXX Ref : XXXX against XXXX XXXX XXXX which resulted with the XXXX account being deleted from my credit files XXXX, XXXX and XXXX. It appears that Enhanced Recovery Company purchased the debt from XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. This account was closed and deleted and now added to my credit file once again.
|
| 03/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX a debt popped up onto my credit report stating I owe money to a company called XXXX XXXX XXXX. The newest company to claim this debt which shouldn't be coming back to me. This debt was a very old bill which I have already shown was fraudulent multiple times before and had it removed. Yet it keeps getting sold and put back on. The debt claims it was opened in XXXX of last year. I disputed and I'm not sure what proof they provided but it was not deleted and still the dates claim I had an account with them in XXXX of last year. This is not true or anywhere near true and it needs to be, once again, removed from all credit reports and not sold this time to ruin my credit once again.
|
| 04/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This fake debt collection company sent me a letter on XXXX/XXXX/2017 saying I owed {$200.00} to XXXX for account ending in XXXX.
I am NOT the owner of the account. I called XXXX multiple times, and they confirmed they NEVER sent my account to collections. I have always paid by XXXX bill on time until I canceled my service. This fake company keeps calling me and harassing me to give personal information and telling me to pay.
I immediately sent a letter on XXXX/XXXX/2017 demanding they validate their fake and fraudulent debt claims. They keep calling me everyday asking for my personal information. I ask what is this call about, and they say they can not tell me why they are calling.
|
| 04/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I received a bill on XX/XX/2015 from Enhanced Recovery stating a debt had been placed with them for collection I paid on good faith that they would at least validate the debt. I had never recieved anything in regards to this debt in the past and I was told I had 30 days for them to validate. I still have not received anything and when I checked my credit report they had put this debt on there years ago. When I called back and spoke with " XXXX XXXX '' i told her I had only received XXXX letterfor collection ( XXXX/XXXX/15 ) she gave me an address that I had no knowledge of and had never lived at as being where the previous bills went. As of now the debt is paid and still not validated.
|
| 12/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Enhanced Recovery Company has reported a collection account to my consumer credit file in the amount of XXXX. I do not owe this alleged debt. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
Hello, I checked my XXXX credit report today and noticed a collection agency listed on my report for a transaction of {$2400.00} from AT & T on XXXX XXXX for an account that I did not open. I called the collection agency Enhanced Recovery in XXXX, FL to find out who opened this acct and spoke with a XXXX XXXX. He wanted my e mail address which I gave to him, and then wanted my date of birth, and asked me if XX/XX/1956 was my birthdate, and I said no, and I did not give him my birthdate. Also he said he was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX? a service to correct bad credit, which I dont need. Is this a SCAM to make your credit look bad, so you buy services from XXXX XXXX? thanks
|
| 11/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the accounts that need to be deleted : ENHANCED RECOVERY CO L - XXXX Balance {$740.00} ; ENHANCED RECOVERY CO L - XXXX Balance {$160.00}
|
| 09/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Enhanced Recovery is reporting a collection account to the major credit reporting agencies regarding XXXX XXXX XXXX cable, claiming I owe XXXX XXXX XXXX {$89.00}. I do not owe this.
I had a 2-year contract with XXXX XXXX XXXX. I paid for the entire 2 years. At the end of the 2-year contract, I declined to renew. I did not have any outstanding balance. A few months after this, I did receive a bill from XXXX XXXX XXXX for approximately {$89.00}. I called XXXX XXXX XXXX and was told the amount would be credited back. Yet, more than a year later, E.R.C. is attempting to collect this amount on their behalf, and reporting to several credit bureaus that I have an unpaid account with them.
|
| 04/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
ERC has continued to contact me regarding a XXXX IPhone that was returned to XXXX when my husband and I decided to combine cell phone plans. We have informed ERC twice about this issue and asked them to verify with XXXX that the phone was returned to them. XXXX has never sent us a statement regarding the cell phone and we are currently XXXX customers now and if we owed a balance then XXXX would have informed us before service could be established. My husband contacted ERC on my behalf to obtain dispute information on XX/XX/2017 at XXXX. He spoke with XXXX who refused to provide her employer identification number for a reference and also failed to provide any dispute information also.
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My mother in law inquired about a product for my wife and I at a previous address. We received a wireless box from XXXX XXXX XXXX which we never ordered. We called them and was instructed to not open it and just to return it back to the post office. We have been harassed by collection letters since 2013. We have responded and disputed all inquiries. We called XXXX XXXX XXXX Billing, Collections and Fraud department. They have no proof or documentation to support this debt as well as not being cooperative. The Fraud dept hung up on my wife. The billing said its valid but have nothing to support that we had an account with them. We ended up going with XXXX for our services for internet
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| 06/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The company XXXX XXXX XXXX is reporting a debt to a collection company that reached me to collect the debt. This is the second collection agency collecting {$1500.00}. The first one I disputed, and it was removed, but apparently XXXX XXXX XXXX has not cleared that out of the record.
I submitted the Fraud information to the XXXX XXXX XXXX XXXX XXXX ( Incident # XXXX ) The thief used my information to open the account # XXXX with XXXX XXXX XXXX XXXX The phone assigned to this person was XXXX. In the claim I proved my residency and all the required documents proving it was not me, but it looks like it did not clear the records.
Could you please help me remove this from my records?
|
| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Enhanced Recovery is reporting a charge-off of {$99.00}. This debt does not belong to me and has been reporting on my credit file for 3 years and 11 months. My credit bureau indicates that the original creditor is XXXX XXXX XXXX XXXX. I do not have and never had an XXXX XXXX XXXX XXXX account. Enhanced Recovery is reporting inaccurate data on my credit file. Based on the FDCPA, a debt collector must notify the alleged consumer of the debt. Section 809 ( b ) [ 15 USC 1692g ] Validation of Debts. I was never notified of the debt, therefore I could not dispute the debt. Two violations have occurred, Violation of FCRA- Inaccurate Reporting and Violation of FDCPA notify consumer of debt.
|
| 06/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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While attempting to buy a car XX/XX/2014, I discovered ERC was the only negative item on my credit report. Called ERC to find out who they were, they said they collected for XXXX. They told me if I paid the amount, they would remove the account from my credit report and I could buy the car. I paid because I needed to buy the car right away, not because I agreed that I owed the debt. I dispute owing the debt to XXXX because I had the account for several years prior and did not terminate any agreement early. However, ERC still remains on my credit report as a collections account, lowering my scores and preventing me from getting a mortgage and a new car at an affordable interest rate.
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX Reported on XX/XX/XXXX ITEM IN DISPUTE XXXX XXXX XXXX XXXX DISPUTE REASON : Accuracy There were fraudulent charges made on this account.
The " Account in Dispute '' remark is missing or incorrect.
Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute XXXX : XXXX XXXX was closed in XX/XX/XXXX. Amount of {$660.00} to be removed due to incorrect/ fraudulent collections/charges.
Dispute XXXX : XXXX XXXX XXXX is fraudulent account for Western dental was paid through government health insurance XXXX. Amount for {$490.00} to be removed due to fraudulent collection/ charges
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| 03/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Viewing my credit report in detail, I noticed an account was opened using my credentials with a company going by the name of XXXX XXXX XXXX XXXX on or about XX/XX/2016. It claims it has been placed in collections for the amount of {$630.00}. The account status is still labeled as open. I have received a derogatory remark on my XXXX Credit report making it very difficult for me to obtain the credit that I need. I have never at any time received any mail or bill from this company. I have never had any account with XXXX XXXX XXXX, this is not an account of mines or I have ever opened. I would like to address this immediately. I would like this derogatory remark removed from my report.
|
| 06/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
We cancelled our XXXX account XX/XX/2019 and mailed back the equipment through XXXX drop off, within a week, as directed by the customer service representative at XXXX.
XXXX claims they never received it and XXXX claims there is no way to track it anymore. I called XXXX on multiple occasions regarding this matter and the agent assured me that the receiver would turn up in warehouse and that this type of thing happens alot ... and not to worry about our account.
NOW, a collection company ERC is sending threatening letters to my XXXX old parents ' house, three years later over this receiver. THIS is unacceptable.
I am livid I am still dealing with XXXX and their ridiculousness.
|
| 10/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Going over my credit report and noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX # XXXX -XXXX XXXX, XXXX. # XXXX -XXXX XXXX XXXX # XXXX -ENHANCED RECOVERY CO L # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX, XXXX # XXXX -XXXX XXXX # XXXX
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
The cell phone that was hacked was purchased from XXXX, this phone was hacked during the XXXX Data Breach. The Collection Agency : ENHANCE RECOVERY is claiming I open an account with XXXX on XX/XX/20 and never paid on this account. The phone I purchased from XXXX was hacked during the XXXX Data Breach. I was told by XXXX to bring that phone in and get another, because the insurance I had I could get another and if anything help to it ( and it did, was hacked as well ) I could bring it back within a certain time period at no cost to me, and sure enough the time period did not expire. I returned the phone to XXXX.
I haven't had any contact with XXXX since the XXXX Data Breach.
|
| 08/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Social Security : XXXX ; XXXX XXXX. False information ( account was reported opened on XX/XX/XXXX ) ; I did not open any account with XXXX or it's affiliate. I do not know of this debt and the last time I owned a XXXX account was back in XXXX, which I wasn't aware of any debt owed, how come I get a collection reported on my credit seven years later? Please, consumers, need to be protected. XXXX XXXX please remove this information as it is inaccurate and should not be on my credit. No account number listed, but information provided was XXXX, XXXX. Send me detailed information that indicates I own the debt, date opened, break down of all payments, and guide to dispute inaccuracies.
|
| 08/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently began to check my credit reports when I discovered a collections account from Enhanced Recovery Company alleging that I owe {$320.00} for what appears to be utility or beverage services. I disputed the debt and Enhanced Recovery Company verified through the credit bureau. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Enhanced Recovery Company has not responded to my validation request and has not removed this trade line from my credit as requested. They are also reporting as XXXX different companies as they are Enhanced Recovery Company on my XXXX reports and Enhanced Recovery Corporation on my XXXX reports.
|
| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I got a notice from XXXX XXXX that I had a new account added to my debt. I looked it up and It is from Enhanced Recovery for XXXX. I have not had a XXXX account since XX/XX/XXXX. This is XXXX years ago. I paid XXXX off when I received the final bill. I have not heard from them since or have had anything attached to my credit report until XX/XX/XXXX. There was no letter sent to me to try and dispute this debt or even tell me I had a debt. My number has not changed and I have not recieved a call from XXXX XXXX in XXXX years that there was a debt. I have read many reviews and just recently Enhanced Recovery has been popping up on Credit Reports for accounts long closed and paid off.
|
| 08/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XXXX ENHANCED RECOVERY COMPANY placed a derogatory mark on my credit file without notifying me about this first to me.
I have tried asking XXXX to give me the original dates this was incurred, which is outside the statue of limitations, but they refuse to give me proof. All they do is send me a copy of an invoice. My contract with XXXX ended in XXXX. I was prepaying for services since then, and switched to XXXX XXXX early XXXX. Again, I have asked for proof of when this became delinquent and all they do is send me copy of a bill.
Now ENHANCE RECOVERY PLACED a negative mark on my credit file this past month without me knowing and it resulted on my score decreasing 100 points.
|
| 11/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I called into Enhanced Recovery Cor to settle my {$370.00} XXXX account. I asked to speak to a manager because things usually go better that way. The representative asked me why, I explained, she replied with " so you think that 's going to help you not pay ''.
She ended up transferring me when I threatened to hangup. The manager was rude, constantly interrupted me, raised his voice. When I offered to settle for {$100.00} which is all I can afford & a little over 25 % he laughed & said I needed to try & settle for at least half which is {$180.00}. I told him I could n't & he said that his company would check into that & call me every few days until I figured out how to pay it.
|
| 11/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
The collector name is ERC. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I called their number and spoke to XXXX at XXXX and she said after trying to verify me by telling me the debt was incurred by someone living at an address that did not match mine where the attached dunning bill was sent, that I should file a police report of fraud which is what I am doing I think. Then go to XXXX to let them know this debt is not mine. Hope that is what I should be doing.
I have a XXXX phone but it is in the name of my company and XXXX says we are totally up to date for payments. I have not had a personal XXXX account since XXXX and this supposedly was incurred in XXXX according to XXXX at ERC.
|
| 01/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
A company called Enhance Recovery Company supposedly representing XXXX put a collections on my credit report at of XX/XX/XXXX saying they purchased a bill XX/XX/XXXX from XXXX which was allegedly from XX/XX/XXXX I have never received any communications from XXXX with threats of collections for a past due account and I have never received any correspondence from this collection company ERC they have violated section 809a of FDCPA. I still have not received any written or verbal communication from them and XXXX can not find this account that I am supposedly liable for I have had XXXX for 4 years as an individual account so this is ridiculous and has negatively affected my credit
|
| 08/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX/XXXX/15 I requested validation of debt from Enhanced ; no response ; On XXXX/XXXX/15 requested account be removed due to violation of debt collection and reporting practices ; received response. They provided a statement from XXXX showing a past due balance. This does not confirm original date of delinquency, nor that I am the XXXX XXXX that had an account with XXXX. Furthermore, they state that they have informed credit bureaus of account being in dispute and put it back on the credit bureaus ; stating they have no control over how long it may take credit bureaus to update. Nonetheless, I pulled my credit report today, there is no indication of account being disputed.
|
| 03/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Son ( who is XXXX ) lived at a different address during XXXX of 2014. I am XXXX but we have similar names.
XXXX is looking for money from him and tuned it over to a debt collector. For the last XXXX to 9 months they call XXXX a day and dont say anything ... .they sent a letter to us 3 weeks ago and i called and explained that this debt is not mine that I am current with XXXX and on Auto-pay. They assured me they would take care of it and promptly dinged my credit. I launched an investigation with all XXXX credit agencies and have filed a complaint against ERC, XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX, with the Florida ATTY General for Fraudulent reporting to credit agencies.
|
| 09/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I currently have XXXX cable, internet & phone services. My account is current. It is approximately {$260.00} each month. I received a collection notice from a company asking for {$93.00}. I've called XXXX, no definitive answer. I asked how is it I would have current services if I had never paid you {$93.00}. Further more, over the past 12 month period alone, I've paid approximately over {$3000.00} to XXXX. It baffles me how my services remain on & I make payments each month, but somehow this {$93.00} in collections is on my credit report and impacting my score negatively. It has contributed to increased interest rates with other lenders & even credit lines decreased as well.
|
| 08/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called ERC debt collection and paid in full the debt owed in the amount of {$540.00} in which I had to fight them for a receipt. Then when they sent me a letter confirming that they were going to do a goodwill deletion letter the debt they was dragging their feet on it. Once I filed a complaint with this organization. To reiterate against me I just received another letter from ERC now claiming that I owe an additional {$96.00} which I do not the amount in which I paid was {$540.00} to pay the debt in full with a goodwill deletion and now they are demanding additional payment in which I am disputing and what to bring there unfair debt collection practices to your attention.
|
| 09/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
on XX/XX/XXXX i contacted tye Enhanced Recovery Corporation and gave them the information to my bank account to clear my debt with them. on XX/XX/XXXX I contacted the company again to verify the payment had been made. i was informed that the payment had gone through and the debt was satisfied. on XX/XX/XXXX I was contacted by them again and told that the account had come back with non sufficient funds. 22 days after being told the payment had cleared. i then contacted them again on XX/XX/XXXX and had a manager yell at me and tell me that the account used was fraudulent. this was almost a month after being informed that tye payment had been processed and the debt was cleared.
|
| 07/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Spoke with XXXX XXXX Account # XXXX, he stated that this account would be deleted immediately. I informed him that I did not owe XXXX XXXX XXXX any money. The equipment that he was trying to collect on was stolen. Asked him for the phone number to a contact person at XXXX XXXX XXXX, so that I could resolve this issue with them. He refused to give me that information. He stated that he could offer a settlement amount. Not sure how ERC would try to settle on equipment that was stolen. Asked multiple times for information for original creditor, so that we could contact. He refused. He said that he would open a dispute and have this deleted from all 3 credit bureaus immediately.
|
| 08/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named Enhanced recovery corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no XXXX answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.
|
| 05/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have a closed XXXX XXXX XXXX internet account with hardcopy final bill balance stated as {$0.00} and closed. Enhanced Recovery Company contacted me nearly 1.5 years after the account was closed and claimed I owed {$180.00}. I sent them a certified letter with copies of my final XXXX XXXX XXXX bill showing them that they were making an error. Enhanced Recovery Company then sent negative reports to the credit bureaus within 20 days of their initial contact. I have sent Enhanced Recovery Company XXXX certified letters trying to clarify and get this off my credit report but they do not respond to my demand of validating the debt and any papers that show I actually have a debt.
|
| 09/20/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I contacted Enhanced Recovery Service on XX/XX/22 and asked for a settlement amount and the representative told me they would settle for {$590.00}. I paid the amount quoted to me by the ERC representative. One week later I requested a payoff letter, instead of sending me a payoff letter showing that I have paid the debt in full or satisfied the debt I received a vague correspondence stating that I still owe them {$190.00}. The correspondence letter also reads as if the company has not received the payment of {$590.00}, in which I know it has because the automated system tells me that the debt is paid in full. Bottom line the company will not send me a proper payoff letter.
|
| 06/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX of 2020, I discovered an alleged debt reporting on my credit reports for XXXX XXXX XXXX XXXX for an amount of {$350.00}. On XX/XX/2020 I sent Enhanced Recovery Company , LLC ( ERC )., a request for validation as I am allowed under the Fair Debt Collection Practices Act and requested for validation including a separate request for an assignment under the California Rosenthal Fair Debt Collection Practices Act ( Ca Civil Code 1788.13 ( l ) ) which prohibits " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' I did not receive any response from Enhanced Recovery Company LLC.
|
| 10/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I moved my service from a house to an apartment. My fish wasnt able to be installed due to location so the rep took the dish with him and I was instructed to dispose of the box. I was issued a refund for the month since I was no able to use the services. XXXX XXXX then booked me {$55.00} and put the account in collections. I contacted them and they resolved the error, stating they balanced the account and removed the collections. It has been 2 years and XXXX XXXX has put the account back in collections again, after previously resolving. XXXX told me to just pay it, I will not pay a balance that I do not owe and I will sue XXXX XXXX for damaging my credit fraudulently. XXXX
|
| 05/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A year ago I received a bill from XXXX XXXX XXXX in the amount {$690.00}. I contacted XXXX and was told that this bill was in error and that I do not owe this. I asked how did I get this in the first place and they claimed that originally that I had missed some payments. So I asked to be transfeered to their colllection department just to make sure the that both departments were saying the same thing. We went over the bill for the past 7 months ( the months they claimed I owed ). This is when I was told that I did not owe balance and that they would take care and make it right Last week I received this same bill this time from their in-house collection group. I am furious.
|
| 08/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I dont have the exact date, but I did spoke with someone and they stated that since it was over 90 days since the account was closed it was nothing that they could do since it was turned over to the creditors. The account been was suppose to be in my sister name but they didnt changed it on there end. So when she went in XXXX of 2018 instead of her paying the bill she had gotten another phone. So they just had closed the other account. I didnt know until I received a collection letter in the mail stating I owed them and that's when they told me it was nothing they could of done since they never had put it I her name and that it was already closed. The amount is {$430.00}.
|
| 06/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
A collection company is trying to collect a debt about a XXXX charge over 10 years and claim it was in 2016, I havent had XXXX service for over 10 years also another collection company tried collecting saying I owed {$110.00}, I switch from XXXX to XXXX when they were brought out by XXXX which the bill would have transferred, I also explained that the bill was always a month ahead and my bill was {$56.00}, and XXXX would turn your phone off after 30 days, so the phone was switched and the bill was already a month ahead. This is showing on XXXX tried talking/ phoning language barriers. I guess they call this ghost debt. Thank You, again check my report 9 years ago/ longer.
|
| 04/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was evicted from my home and in XXXX. At this time I owed the original creditor the remaining balance. As of XXXX this year ( XXXX ), I was able to get back on my feet and am now settled into my current address. I did not receive any information until looking into my credit report, regarding the debt. Interestingly the the debt in the amount of {$1900.00} apareard on the report in XX/XX/XXXX then in XX/XX/XXXX was no longer shiwing on the credit report. As of XX/XX/XXXX it showed back up. I tried to resolve the issue with the company but was told I had to pay the balance of {$1900.00} in full, dispite my hardship and dispite never recieving any notice ti collect a debt.
|
| 03/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
At the beginning of XX/XX/2018, I disputed a collection of {$430.00} that was initiated by XXXX. After going through the appropriate steps, I received an official notification from XXXX and XXXX the reported collection by XXXX was resolved and deleted from my credit report. I subsequently purchased a new credit report and confirmed said resolution.
This morning, using credit monitoring service XXXX, this disputed and resolved collection is again appearing on my credit report ( XXXX ). This time, the agency listed is XXXX XXXX XXXX XXXX. However, this time XXXX XXXX is reporting the previously resolved collection with a total of {$430.00} ( {$1.00} dollar difference ).
|
| 08/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have had this same issue in the past with the original creditor XXXX and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with ERC, copy of letter and response is attached, and once again now this new collection agency, XXXX . XXXX XXXX , is claiming I owe them without even mailing me anything through the XXXX Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if XXXX . XXXX XXXX can not verify this alleged account ac cording to the Fair Debt Collections Act.
|
| 05/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
THIS WAS RESOLVED YEARS AGO WITH XXXX FOR {$270.00} WHICH I DO N'T KNOW WHY I OWE BECAUSE I PAID MY BILL IN FULL THEN YOUR COMPANY BROUGHT THIS ACCOUNT AND PUT A NEW DATE ON IT LIKE IT JUST HAPPEN THIS WAS OVER 9+ YEARS AGO I 'M WITH THE COMPANY THAT BROUGHT XXXX AND IF I OWED ANY MONEY YOU WOULD THINK THEY WOULD HAVE NOT GRANTED ME SERVICE, FOR AS I 'M CONCERNED YOUR COMPANY IS JUST OUT HERE DOING WRONG TO HARD WORKING AMERICAN AND NOT DOING YOUR JOB CORRECTLY JUST PUTTING ITEMS ON PEOPLE ACCOUNTS. I DO N'T HAVE ANY PAPERWORK SHOWING ME HOW THIS {$270.00} BILL WAS CALCULATED SO I SUPPOSE TO JUST PAY FOR SOMETHING I DO N'T OWE, COMPANY MAKE MISTAKE ALSO LIKE XXXX .
|
| 04/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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Enhance collection company is showing in my credit report as representatives of XXXX. This account is not mine and when I call the collection agency they ca n't found records of it. Their phone number is XXXX XXXX XXXX XXXX XXXX. Enhanced recovery. So I want a letter from this company say that I have not debts with them and remove all the damaged they have done to my credit.
An act to amend the Federal deposit insurance act to require insured banks to maintain certain records, to require that certain transactions in USA.
The Fair Credit Reporting Act ( FCRA ) code section 1681 along with the Fair Debts. Please respond in the XXXX days period.
Sincerely, XXXX XXXX
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I logged into XXXX, to find an account that I have no knowledge of and let along DO NOT EVEN KNOW WHAT IT IS. Under the FCRA if a consumer owes a debt, they must be notified by the company within 30 days. I was NEVER notfied of any debt. I don't even know what this debt is. This also violates the Fair Debt Collection Practices Act. As mentioned I noticed the account XX/XX/2021 at XXXX. I immediately notified my attorney because I have never been in a situation like this. My attorney has filed a formal civil complaint against Enahced Recovery Co. L This also violates a bunch of other subsections within the FCRA, FDCPA , SCRA , 15 USC 1681, meto 2 compliance and many more.
|
| 11/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XXXX, 2017 my identity was stolen and accounts were opened in my name for XXXX XXXX XXXX, XXXX and XXXX. I filed all the necessary paperwork ( Police Report, ID Theft Affidavit, ID Theft Report ), had all the accounts removed from my credit report, froze my credit and contacted XXXX XXXX XXXX, XXXX and XXXX to inform them of the identity theft. I then filled out multiple pages of paperwork with each creditor to prove the identity theft. Despite all these efforts, XXXX XXXX XXXX and XXXX continue to sell this debt to collection agencies, who then call me. Even worse, these fraudulent accounts keeps reappearing on my credit report, negatively impacting my credit scores.
|
| 08/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the third company to try and collect on a debt that was previously settled. This was handled and taken off of my credit close to 5 years ago. I get a call last week from a woman saying that I have another debt from XXXX during a time I did not have XXXX. I had XXXX. She informed me that she would look into it with XXXX and get back to me. 2 days later it appears on my credit even though its already been proven to be false prior and removed. This is getting to the point of harassment. I advised them of this over the phone and she didnt seem to care, when I mentioned bringing this up to my lawyer she quickly got off the phone and continued without any validation.
|
| 08/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 06/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
The creditor changed the dates of the account to make them more recent. I have had the same cell phone account with att since XXXX but only have 1 copy of a bill from XXXX. XXXX is claiming that I had an account with them from XXXX which is a lie. I had an account with them 1 time in XXXX, which was a shared account with XXXX XXXX. Please search and find that these documents have been changed to collect money. I even sent XXXX photos from XXXX to show accurate depictions of the cellphones I had with XXXX to corralate with the year. The phone I have with XXXX was a XXXX and XXXX XXXX which XXXX did not specify in the document because they know they changed the documents.
|
| 06/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection of XX/XX/XXXX and continues to report this falsified information even after sending the final statement from XX/XX/XXXX. The original creditor has verified the original date of delinquency XX/XX/XXXX which confirms that the correct information is on file but because the statue of limitations to sue would be expired the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed in XX/XX/XXXX.
|
| 05/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Contacted ERC directly and via CFPB regarding a debt that was not mine after I received a letter in the mail. Within XXXX hours of receipt, I contacted ERC by phone and by mail indicating that this account was a result of theft and I had no knowledge of the account. I provided a police report and FTC affidavit. I was I was told that this issue was resolved ( ERC also indicated such via the CFPB complaint that I filed ), yet ERC just placed a collection on my XXXX report for the same amount but with a service date of XXXX 2015-XXXX 2015. This is not correct as I have never had service. A police report has been provided and it has already been removed from my report once.
|
| 09/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX I sent a letter to the Enhanced Recovery Company asking them to validate by signature that a specific invalid debt account was mine as this is not my debt account at all yet it shows on my credit report. I have also previously submitted a complaint to the cfpb as well. They responded that they sent documents including the lease/contract containing my signature. I received the documents but the documents did NOT contain the contract with my signature so it seems like they are now lying and putting this debt on me. The documents basically were only a bill and a summary of what that bill contained. This is extremely unfair as this is not even my debt account
|
| 06/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
I'm submitting a complaint against Enhanced Recovery Company , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees.
Proof of unbroken chain of title from ( XXXX ) to ( Enhanced Recovery Company , Inc. ) authorizing ( XXXX XXXX, XXXX ) to collect alleged debt.
Show me that you are licensed to collect in my state, and provide licensed number if you are I have yet to receive the requested information.
|
| 03/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2022 Enhanced Recovery CO L added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Enhanced recovery CO L has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
|
| 08/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect the {$1100.00} even though I'm a victim of Identity Theft.
|
| 09/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I have a relatively new phone number. The company cross-referenced my number to an old XXXX debt that is not mine.
I have explained to the caller, twice, that this is not my debt and that they have the wrong person. Once I gave them that information I stopped communicating with them. They call everyday and leave a message that I owe money to them that I used to owe to XXXX. That they have been authorized by XXXX to collect and that I need to call them back and pay up.
The name of the company is : Enhanced Recovery Systems,XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXXIf you do an internet search of this company you will find dozens of complaints against their tactics.
|
| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
During Covid I moved. The XXXX internet modem needed to be returned within 90 days to ups store. All stores were closed and I didn't get the equipment back within the window.
I did return the equipment and have told the collection agency this and showed them the receipt.
Every six months they start again even after multiple calls where I've explained the situation and told them nothing was owed and they were now harassing me for an unowed debt.
The company ERC from XXXX Florida has an XXXX call center that only cares about getting money not resolving the issue. This is a bad reflection on XXXXXXXX XXXX XXXX because they have been no help in stopping the calls.
|
| 12/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX who I have never signed up my services with at any time has a debt linked to my name that does not belong to me, they have sold this debt to companies which have then sold to others after ive said this is bot my debt and have disputed this information. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse My information continues to be sold & shared illegally which is a violation of my rights
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
|
| 07/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Persons in charge, This complaint is in regards to a collection that has been reporting on my credit report from XXXX. I have contacted the Collection Agency in effort to rectify this debt and they refuse to resolve it by providing proof that this account is mine.
On XX/XX/2018, I sent a validation and verification letter requesting original contract, original signature and payment history. In response, they sent me an itemized telephone bill. The proof they sent to me isnt satisfactory proof. Under the FDCPA, if the collection agency doesnt validate a debt, then they can no longer collect the payment and they are required to stop contacting me and remove the debt.
|
| 06/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I contacted Enhanced Recovery Company on my own to pay a debit. They told me that I could pay {$1000.00} for a pay and deletion. Upon the last payment the following month they tried to continue to draft my bank account I stopped the payment, because I already had satisfied the agreement. The original debt is {$1400.00}, I paid {$1000.00} which is a {$340.00} difference. This collection now shows on my report as closed with a {$500.00} balance, this company did not keep the agreement in which we established over the phone when I called them to satisfy the debt. I would like this closed collection removed from my credit and a letter from them stating this debt is PAID.
|
| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
|
| 11/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
ENHANCED RECOVERY CO L Is a collections agency that has been alleging that a bill from XXXX XXXX XXXX XXXX with a balance of {$520.00} is mine and it is not. I have disputed it multiple times with them as it was an account that belonged to my mother, with the same name and address. I have explained that to them in the past and submitted billing statements from XXXX XXXX XXXX showing that the bills belonged to my mother and that she actually did pay off the remaining balance, but the company continues to place me in collections which negatively impacts my credit. This is unlawful because they continue to place the wrong person in collections for their financial gain.
|
| 12/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Got an alert that an account was in collections from XXXX for {$500.00}. This doesnt belong to me. Ive never owed them money. I was once on a plan with XXXX with another person however I wasnt the primary, he was. This means that all balances were to be paid by him and he would take any penalties. Also I am currently using XXXX so I do not understand why they would let me obtain an account with them if I owe them money. Also received letters years ago with different amounts that I supposedly owe them. For this reasons I believe they are being dishonest and deceiving. Also someone called before a year ago to collect a debt and I paid them so they would leave me alone
|
| 07/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Under florida law I am not liable for this debt. Law Enforcement was supposed to notify all my utility companies I was XXXX as that's their responsibility, not mine. I was XXXX and spent roughly 4 years XXXX between federal prison and the XXXX Florida state hospital. All telephone, electric, internet, and all other utility bills are automatically legally supposed to be cut off the moment an individual is XXXX and charged with a crime. I was XXXX and charged XX/XX/XXXX and released XX/XX/XXXX and then XXXX being XXXX again against my will on XX/XX/XXXX - XX/XX/XXXX. This debt is not my responsibility. I have not resided at the address of the debt since XX/XX/XXXX.
|
| 03/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I disputed this item before when another collection bureau was trying to collect it from me, It was determined it was no longer my account since it was sold I filed a dispute with you and you removed it from all my reports, Now this information has been sold once again to Enhanced Recovery Company, on XX/XX/2020, showing up as a collection report on my credit file 's, I WILL NOT DEAL WITH THIS AFTER GOING THROUGH THE TORNADO 'S HERE IN TN AND NOW THE VIRUS. THEY ARE XXXX XXXX XXXX FISHING FOR MONEY BY SELLING THE ACCOUNT. IT IS NOW SHOWING AS A COLLECTION AS A GHOST ON ll 3 of my reports. I WANT THIS FIXED ONCE AND FOR ALL. PLEASE REMOVE IT FROM MY 3 CREDIT REPORTS
|
| 12/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
in 2017 I paid directly the merchant XXXX XXXX XXXX a balance due off {$100.00} a which point closing the account with this merchant. Nevertheless to my big surprise I see a collection listing on my credit report from an agency called " ERC '' claiming the paid balance of {$100.00} on XXXX XXXX XXXX 's behave.
At which point I contacted them with the proof ( receipt ) that this account was paid to XXXX XXXX XXXX and asking them to remove their reporting from my credit report. But to this point their still refuse to do so. I filed investigation request transunion and the inaccurate information have not been deleted. Therefore deliberately hurting my credit profile.
|
| 12/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX has erroneously reported a collection to multiple CRA 's for a debt that is not mine, furthermore ERC reported this collection without contacting me, notify me of my right under the FDCPA or verifying the debt.
ERC has caused material damage to my credit standing, reports, and scores, directly impacting my ability to obtain credit by reporting a debt that is not mine without any validation.
The reported account numbers do not match account numbers I have ever had with XXXX, notwithstanding the fact that the account I had several years ago with XXXX was pre paid and had no possibility to incur charges beyond the pre paid balance of the accounts.
|
| 07/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
tO START, this XXXX account was in my ex husbands name and SSN. I never gave my SSN or owed this debt.
I have been contacted and Harassed by this company and every collection agency they sent this off to for years now.
In XX/XX/XXXX I was contacted by XXXX, was offered a settlement and I Paid it in Full on XX/XX/XXXX. Since then I was Harrassed by XXXX who I also reported on this site, Case number: XXXX. XXXX "ENHANCRCVRCO" and XXXX where both Falsely reporting at the same time. Now XXXX is not showing on my credit any longer but XXXX "ENHANCRCVRCO" still is. This account has been Paid once, I have the release of liability, and i refuse to pay it a XXXX time.
|
| 07/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 04/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 01/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This bill was from XXXX & XXXX from years ago. I have rectify this bull on multiple occasion with XXXX XXXX XXXX where I called them and explained and spoke to them about how the debt is resolved through my trade in.
This has already been attempted to be collected from a previous company and failed to do so because the debt isnt owed to them. I have resolved this and XXXX XXXX XXXX acknowledges the debt as not being owed by me as they have already forfeited on claiming that I owe it. Now due to the previous company not being able to resolve it and has now sold the debt to possibly a new company which is ruining my credit from a paid and already resolved issue.
|
| 10/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 08/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 07/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 07/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a collection letter on XX/XX/XXXX from ERC dated XX/XX/XXXX for {$72.00}. The collection was on behalf of XXXX XXXX, who I was a customer of from XXXX for internet services. I have received no email or written communication from XXXX in three years. I called XXXX to find out more and discussed this with a customer service representative. The rep was able to find my account, which had been deactivated due to inactivity, and reported no outstanding balance, and could find nothing indicating a debt collection was sent. I was unable to contact ERC and could not find out more information on their website about my claim. I believe this is a fraudulent claim.
|
| 09/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 02/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE A CREDIT MONITORING SERVICE AND GOT A ALERT AND THIS COMPANY XXXX XXXX XXXX XXXX, PUT IT ON MY CREDIT REPORT AND DID NOT SEND ME A LETTER IN ADVANCE AND AM WAS IN PROCESS OF TRYING TO BUY A HOME THE AMOUNT {$100.00} I CALL THEM THEY SAY THIS IS AND OLD ACC 6YRS I SAY I DONT KNOW OF IT THEY HAD ALREADY MESS CREDIT REPORT UP I SEND THEM A DISPUTE LETTER FOR THEM TO VALIDATION THE DEBT AND TO SHOW ME THEY HAVE RIGHT TO COLLECT IN STATE TX AND TO PROVE STATUTE LIMITATION EXPIRED AND OR THEY LICENSED IN MY STATE THEY DID NOT SEND THE INFO JUST A SNAP SHOT OF A BILL THEY TRYING TO COLLECT ON THEY DID NOT PROVIDE ORIGINAL SERVICE AGREEMENT WITH MY SIGNATURE ON IT
|
| 02/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XX/XX/XXXX, I sent a request to validate a debt to ERC collections via certified mail. The letter was collected by XXXX XXXX of ERC collections XXXX and the refused to provide me with the information I requested to validate the debt.
ERC mailed a letter stating that they were only able to provide me a copy of a fake bill form XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time period I did not own any service from XXXX XXXX XXXX as my current service is through XXXX.
Since ERC is unable to validate the original contract or source of this debt, I am requesting that this item is removed from my credit report and updated to all XXXX major credit bureaus.
|
| 10/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Today ( XX/XX/2018 ) I received a call from ERC asking for XXXX XXXX. This is the first time they have called asking for this person. The calls have been going on for years now and I repeatedly keep asking them to remove me from their list but it continuously keeps happening. It may not be the same company each time since the numbers are always different and from different states occasionally. I am an XXXX XXXX military member and find it exceptionally aggravating getting calls throughout the day ongoing for several years now. Please help me remove my number forever since I am a XXXX and changing my phone number would be detrimental to achieving my XXXX mission.
|
| 04/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following items, I have never had accounts, with these vendors, my credit was perfect and I have continued to get negative items, on my credit report, that are not my account. I have several energy accounts, that aren't my credit account.
The following accounts are listed on my credit and I have never received any, communications, regarding the accounts. They were just posted to my credit report.
XXXX XXXX original creditor ( XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX original creditor ( XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX original creditor ( XXXX XXXX XXXX XXXX ) Acct # XXXX Phone # XXXX XXXX XXXX XXXX Acct # XXXX Phone # XXXX
|
| 02/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
There was an old account which was paid in full during the time I had services with XXXX XXXX XXXX that for some reason was purchased by several collection agencies over the course of 7 years and I am not responsible for these charges. I have contacted each collector yet no one has sent me any information concerning this account. The last payment I paid was in the amount of {$100.00} to terminate my services with XXXX XXXX. A representative at the XXXX XXXX XXXX office located in my community took my payment and the equipment when closing my account. Several months later I began disputing the charges which are on my credit report, yet, nothing has been resolved.
|
| 11/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
ENHANCED RECOVERY CO L XXXX Balance {$1200.00}
|
| 08/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Enhanced Recovery Company has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includesALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA.
|
| 12/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
This will be second time I have filed a complaint regarding a collection account that originated from an account with XXXX. The first complaint yielded the removal of the collection account.
There are currently XXXX collections agencies attempting to collect this deal all reporting on my credit report. The amount they are attempting to collect is twice the amount that I allegedly owe. All of the agencies are refusing to speak with me other than to say that the amount owed is correct. With my name being unisex they dont beleive that I am XXXX XXXX. I have attached my final bill from XXXX {$1000.00}. All of the agencies are attempting to collect over {$2000.00}
|
| 04/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
I checked my credit reports and see an item from a debt collector called Enhanced Recovery Company for the amount of {$450.00}. They list the initial owner of the debt as XXXX XXXX XXXX whom I have not been in contact with for 7 years. I contacted Enhanced Recovery by mail and asked them to verify the debt, who was owed, original date, their right to collect. Instead of responding to me they put the " open date '' on my credit reports as XX/XX/XXXX suggesting that 's the age of the supposed delinquency instead of my last contact with XXXX XXXX XXXX in XX/XX/XXXX. I want them to follow the FCRA and remove that line item on my credit report ( from all XXXX CRA ).
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
ENHANCED RECOVERY CO L XXXX Balance {$1900.00}
|
| 01/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX, ERC, XXXX XXXX XXXX please follow the law. Attached is now the 5th police report signed an authorized by the XXXX XXXX XXXX police department. I have filed and submitted 2 XXXX FTC notarized affidavit with no resolution from XXXX to remove the reporting. Since you are verifying debts that are due to fraud which is a violation under law. Here is the police report uploaded outlining the fraudulent accounts and information. Immediate deletion from my credit reports would be appreciated. I have done everything instructed from the police department yet Im having to go through hoops with debt collectors and creditors and credit reporting agencies.
|
| 03/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
This is NOT my debt and i check all XXXX of my credit reports every year and online several times a month also, and yet, i have not received communication from this creditor XXXX or XXXX for {$500.00}, by phone, by mail or on any of my credit reports EVER, but now it has showed up on my credit report on XXXX XXXX, XXXX, when i checked my reports online. I know my ex husband XXXX XXXX had a XXXX cellular account in XXXX and this was on his Credit Report, which he told me about it in XXXX so how & why is it " all of a sudden '' showing up on my credit report, when it has never belonged to me. Who did this & what can be done to Quickly remove it from my report??
|
| 06/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ENHANCED RECOVERY COMPANY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$360.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 10/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am being wrongfully charged {$200.00} from this collection agency on behalf of XXXX. I have spoken to XXXX and they have no recollection of this account. It appears someone is opening accounts without my knowledge. This account is on my credit report and affecting my credit score, I am requesting it be removed as this is NOT my account. I have never opened an account with this company and do not owe them money. I am being charged {$200.00} through the collection agency ENHANCED RECOVERY COMPANYXXXX XXXX XXXX, XXXX ( XXXX ) XXXX have tried contacting this agency to no avail.. I did not receive any notices until I checked my credit and saw this charge on it.
|
| 08/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Initial company is XXXX XXXX XXXX XXXX XXXX. They agreed to cancel subscription because my complex wasn't equipped for cable. They shipped equipment on my move in date ( XX/XX/XXXX ). I returned no later than XX/XX/XXXX. Then XXXX XXXX XXXX sold the bill to XXXX XXXX. I disputed XX/XX/XXXX. It was cleared on my credit report. Then again put on by XXXX. I disputed again and it was cleared XX/XX/XXXX. Now in XXXX of this year, it's sent to ERC. And not cleared. I would appreciate an investigation for this. Because, it seems as if XXXX XXXX XXXX XXXX XXXX cancelled but selling the bill to collectors. I would like for it to be removed permanently off my report.
|
| 02/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a account that was closed with XXXX it was a cable bill for equipment not returned after account was closed and handed over to collections I returned equipment in store. However my account was still open with the collections agency I sent a certified letter with receipt attached showing returned equipment letter was requesting validation of debt, No response to this certified letter. No response after 30 Business days So I then filled dispute with XXXX with receipt of returned equipment as well and it was removed off my credit file. This however is now showing purchased through another debt collection agency and I am no longer Liable for this account.
|
| 05/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
ERC collection services, sent a collection notice to my parent 's address. I believe this was an attempt to avoid the mandatory validation period. My current address has been the same for 6 years and it can be verified on my credit reports. My mother just sent forward this notice to me on XXXX XXXX, 2016. This letter was sent to my parent 's house on XXXX XXXX, 2016. This was an obvious attempt to circumnavigate the validation process, by sending it to my parent 's address. Derogatory marks concerning this notice has appeared on my credit report. This is in violation of the Fair Debt Practices Act, because I never had an opportunity to seek debt validation.
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had an account that was Paid in Full ERC .I have been shopping for a home in the last 6 months an I had an ERC ( XXXX XXXX XXXX ) XXXX account back in XX/XX/XXXX it was paid if full on XX/XX/XXXXand during that time, I was under the impress the account would be deleted from my credit profile. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have paid off all of my past dur accounts, and I look forward to buying a home this year.
Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative PAID account from my credit report.
|
| 08/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I was notified by credit monitoring this debt of {$420.00} by Enhanced Recovery ( XXXX XXXX ) was added to my credit. I already had to file a complaint several months ago against a company that was trying to collect this debt that I had no knowledge of. It was deleted. I have had no contact from Enhanced Recovery in any shape or form just slapped in on my credit and I am about to buy a house. Another collection agency acting illegally and not following FDCPA. I do not owe them or XXXX XXXX any money. They also show this debt is from XX/XX/XXXX and was late 1 month ago. This is the last complaint I will file before I file against them in court
|
| 02/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
As a concerned Consumer, I recently pulled my credit report and was in total shock to find that ERC has placed an alleged debt on my profile. ERC has communicated false claims and information with the credit reporting agencies without my knowledge. ERC has received payment from through deception and misrepresentation. I have not done any business with ERC previously and would have never authorized ERC to place derogatory information on my credit report to intentionally hurt, harm and cause damage against me as Creditor/Consumer. This action has also caused me to be denied credit extension harming my chances in the pursuit of happiness for me and my family.
|
| 12/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe XXXX months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
|
| 07/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I had a collection report item from XXXXERC, i called and paid XXXX directly they said they will send me a letter saying they have ERc remove the item from my credit report since i paid them directly. They sent me the letter i forward to ERC and they said they dont delete items off the credit report.Since i paid XXXX directly ERC has no claim on any debt since i paid XXXX directly. there is no collections to report since i paid off the orginal company, ERC has no rights to add something to my credit report since they have no debt to report. I need this removed from my credit report as I am in the procress of closing on my XXXX load for a house purchase.
|
| 06/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My SSN last XXXX digits XXXX. My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be.Enhanced Recovery Co, account number xxxxx XXXX account XXXX collection. Report balance {$2500.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX. XXXX XXXX, date reported XX/XX/XXXX. Date assigned XXXX/XXXX/XXXX. XXXX {$840.00}. Status date XX/XX/XXXX. Account number xxxxxxxxxxxxxx XXXX. XXXX Date reported XX/XX/XXXX. Date assigned XX/XX/XXXX. XXXX {$24000.00}. Status date XX/XX/XXXX. Account number xxxxxxxx XXXX. Inquiries are not mines ether.
|
| 01/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
I received an alert XXXX/XXXX/18 about a change in my credit report, a collection account had been added/opened. I had no idea what or why this came completely out of the blue. I called XXXX XXXX XXXX XXXX ( Listed as the creditor on the report ) on XXXX. Got the run around, requested proof of what they are claiming. Original creditor listed as XXXXXXXX XXXX I have had XXXX XXXX the past 6 years and am not aware of owing anything. Enhanced was unhelpful and rude when I called, this is clearly a scam to extort money holding your credit score XXXX. I have sent a letter to them demanding proof and requesting this be removed immediately from my credit report.
|
| 05/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I checked my credit and found a collections account with the original creditors name as XXXX XXXX, ENHANCED RECOVERY COMPANY is the debt collection company who took over the debt. I for one never opened a XXXX account on XX/XX/2020, or ever for that matter. I have paid all my bills all my life yet this collection agency resided to provide actual signatures or proof of use since this looks very much like ID theft. I have asked them several times to discontinue threatening me at work with legal XXXX and to provide an actual account number and date of service. When I mentioned the ID theft CPFB they said I was " on XXXX and should learn to pay my bills. ''
|
| 05/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was notified from the credit bureau on XX/XX/2020 that I had a collection account that was added to my account. Once I noticed I disputed the account with XXXX regrading verification of this debt as well as the original agreement between myself and the alleged debt collector. Prior to this showing on my credit report I received no documentation in the mail or otherwise from the alleged Enhanced Recovery regarding this alleged debt I owe. I have never signed an agreement with this company and I have never received any notification and/or verification of this debt and that I am to pay Enhanced Recovery. I wish to have this collection removed immediately.
|
| 06/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received an alert for my XXXX credit report on XXXX / XXXX / 2017 that an account from Erc ( enhanced recovery corporation ) added a colllection account in the amount of XXXX dollars to my credit report. This collection account was added on XXXX / XXXX / 2017 . I was never made aware of this debt and have not received any written documentation concerning this debt or allowing for me to dispute this debt. I have never had a contract or relationship with ERC and believe they used unfair practices in reporting this debt without first providing me written notice allowing me to dispute this said debt. I 'm currently disputing this debt with XXXX .
|
| 03/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been dealing with this collection for a few years now. Due to this, I pay to have my credit monitored. I have contacted all the bureaus and hopping through hoops eventually gets removed. However, due to this there are times my credit has dropped nearly XXXX points. The collection company Enhanced Recovery realized that this account did not belong to me, but to my father, which unfortunately for me we have the same exact name. I work hard for my money and always pay my bills on time. I have a letter from Enhanced Recovery, stating they would delete this, which they have but time and time again but repeatedly keep reporting this on my credit report.
|
| 03/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In 2016 my company had bought a new XXXX and XXXX for me through the service provider " XXXX ''. My job shortly after relocated me to south Texas and my service wasnt great at all so I called and called and finally got XXXX to accept me to return my XXXX and XXXX so I could go get another provider that worked better in the area. I did that and then a year later they hire ENHANCED RECOVERY SERVICES! They have done nothing but harass me and called me names and lied about the balance which went from {$750.00} dollars to {$1500.00} somehow. I have tried many times and was patient but we have an attorney who asked us to file this and we will be in touch.
|
| 04/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had run my credit report and I found out that I had a debt collection reported on my credit by seeing this I had send them letters explaining this debts is not correct that this debt So when I saw this I deiced to write a letter to them and to XXXX which I also send a copy of the letters I sent to ERC on XX/XX/2020 I had send a registered certified mail to let them know what is this ( see attached document ) which I have not received respond.
On XXXX XXXX I send them another letter to ERC and XXXX and I have not received any respond again. ( see attached document ) and 3rd letter was send on XX/XX/2020 agin till today I have not received a respond
|
| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Received a letter XXXX XX/XX/2020 from ERC that indicates a balance from XXXX, now part of XXXX, Is unpaid. Amount of debt {$570.00}. Reference number XXXX.
I have not had a cell phone plan through XXXX nor XXXX. I believe this is a fraudulent charge.
I also did not feel comfortable due to cyber security concerns to call or log onto the website. The letter appeared fraudulent to me, besides the request of money from a cell phone company that I have not used, the ERC website seems unique, and the back of the letter indicates I could pay via cash at XXXX Pharmacy or XXXX. I believe I am a victim of identity fraud Please advise on how to resolve this.
|
| 02/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ENHANCED RECOVERY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$810.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 11/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Enhanced Recovery company holds ownership of a debt I owed to XXXX XXXX XXXX originally. Yes the account became delinquent and has been for some time. I have however COMPLETELY PAID the balance to ERC MONTHS AGO. IN FULL. It has not been updated to the credit reporting agencys that this bill has been paid.
I have also disputed this line on my credit reports with XXXX, XXXX, and XXXX. Yet only one of them removed the line.
ERC reference number to this debt is XXXX.
Bill was paid in XXXX XXXX. Im attaching the bank statement proving I paid the balance for the debt in full.
Look for this line XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERC XXXX FL
|
| 04/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
They claim this amount due was for a bill incurred during XXXX. However, I have went back many years on my credit and had seen where several collections companies have passed this around. I called and asked if this debt was time barred and they stated they had no idea what that meant and refused to even acknowledge the terminology. I then called the company of who the debt is owed and after much time they determined this debt was from XXXX and written off. Well passed the statue of limitations. The company where debt was owed agreed with me and is sending them a letter to show account balance owed XXXX and they did not hire them to pursue this further.
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In 2016 I resolved a debt that XXXX sent to collections in error. XXXX then contacted ERC regarding this debt so it could be discharged. ERC was made aware of this debt and instead of removing this debt they sold it to another collection company. After several written communications to all three credit bureaus this debt was removed by all 3 credit agencies and the new collection company. Since that time ERC has again falsely reported this debt on my credit report. This company is in violation of Federal Guidelines and I demand that this debt I do not owe be removed, Also ERC can not claim that I owe a debt that they themselves sold to another company.
|
| 02/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
There was an account on my credit report listed with a different collection agency for XXXX XXXX. Because I knew the account was inaccurate, I disputed the account and requested validation of what they were reporting and the prior collection agency deleted the account on my credit report when I did this. Months following this collection agency deleting the account, I suddenly get an alert that a new collection agency is reporting the debt called Enhanced Recovery. I was never sent any sort of notification from this company that they had purchased the debt so I disputed the account again with Enhanced Recovery and they 've yet to respond to my dispute.
|
| 07/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recently moved and was trying to open a new utilities account. At that time they advised me I had a defaulted bill and that I would have to pay hundreds of dollars to open an account because of this. Of course, I was extremely shocked and upset to find out that there is a debit on my record from XXXX ; an old account that I had closed YEARS ago! I was not aware that my old XXXX XXXX account had gone into collections. I had paid the account in full, after cancelling it and moving. Now years after the fact, I find out that the old account is in collections. For monies I DO NOT owe them! After all these years, they never tried to contact me whatsoever!
|
| 04/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I disputed an account on my credit report with Enhanced Recovery services, because they have not been able to provide me with specific account information and violated the my rights by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. After stating that they would remove the account, the account remained and was actually verified with the credit bureau. THIS IS ILLEGAL!! Enhanced recovery has not followed through with their remedy. i have attached a copy of the letter.
|
| 11/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX/XXXX/16 ERC ( a collection company in XXXX FL ) sent a collection letter to my California home address, with a name similar to mine ( with incorrect spelling ), claiming that I owe a debt for services never solicited or rendered. I have never had XXXX XXXX XXXX services at my home. For the past 8 years my landlord has provided all utilities ( including our XXXX XXXX XXXX XXXX cable services ) in her name. I am concerned about fraud on the part of ERC, XXXX XXXX XXXX or an unidentified third party individual. ERC states in the bill sent to my address that these charges will be validated if I fail to respond within 30 days. This is not my debt.
|
| 09/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Today I called ERC, XXXX after I found a new collection for XXXX on my consumer credit reports. As usual they were not helpful but agreed to dispute the trade line and provided me with a complete account number for XXXX. I called XXXX and after more than an hour, found this was not my account, not my address and not my collection. They were not in the mood to help me get this rectified immediately so the wrong information is being reported and a credit collection agency is wrongly reporting incorrect information. I demanded an immediate correction to my credit report and ERC to drop the account. They are now knowingly reporting incorrect information.
|
| 04/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Enhanced Recovery Corp is reporting XXXX accounts on my credit report that do not belong to me. I have disputed these items several times. I have submitted fraud affidavits. In dealing with other companies I became aware that I must have been the victim of identity theft. A look-up of my names generates several different name and social security number combinations. I am requesting that Enhanced Recovery Corp delete accounts XXXX for {$1500.00} and XXXX for {$200.00} from my credit reports with all of the national credit reporting agencies. I would like this company to also cease all contact with me regarding these accounts that do not belong to me.
|
| 09/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
ENHANCED RECOVERY COMPANY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 01/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I already reached out to the credit bureaus and to XXXX XXXX XXXX XXXX for the account numbe XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
|
| 12/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
An attorney at the XXXX XXXX XXXX here in XXXX FL said that you are 'wonderful ' and would help me with this problem.
In XX/XX/XXXX, I settled all my bills completely, and moved to XXXX XXXX for 8 months. During this time, XXXX started sending me on-line bills for my now non-existent cell phone which had been closed. I had to get a lawyer to deal with them, and XXXX XXXX XXXX XXXX. of XXXX, PA.was able to stop the harassment.
On XXXX XXXX, XXXX, a collection agency called ERC sent me a bill from XXXX for {$300.00}, stating that my balance with XXXX remained unpaid.
I believe that this is a fraudulent claim and that XXXX and ERC are harassing me.
|
| 05/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
In 2013 a fraudulent account was opened in my name through XXXX XXXX . I have never had XXXX XXXX service only XXXX XXXX XXXX I spoke with XXXX XXXX and advised of the fraudulent this account was sold to XXXX different collection agencies all disputed and removed. Once again this fraudulent account is being reported on my file attached is my records of each removal. I am XXXX XXXX XXXX XXXX not XXXX XXXX XXXX not any other XXXX . This needs to be permanently deleted and not be able to be applied back to my credit reports over and over again this is damaging to my excellent credit history. I do not o this account.
|
| 05/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This is bill os for XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action. XXXX removed from credit file company name : Sources XXXX removed XXXX XXXX XXXX removed XXXX XXXX , XXXX XXXX versified XXXX XXXX , XXXX Thank you in advanced
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
There was a collection account reported on my credit report on XX/XX/2020 for the amount of {$540.00} from XXXX XXXX XXXX.
However the collection agency that the account was sent to was Enhanced Recovery CO L.
According to the Cares Act I should have been notified of this account and also allowed an extension or grace period for this account. Also, this particular account was paid in XX/XX/2020 and therefore should not have been put on my credit report at all. I have lost my job due to the COVID pandemic and facing very hard times at this time and definitely do not have the funds to pay an additional {$540.00} for an account that is inaccurate.
|
| 05/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, I saw that a collection account using the name of Enhanced Recovery started being reported to my XXXX credit report. The debt is not mine and I have never received a bill or invoice from Enhanced Recovery about this debt prior to it being reported on my XXXX credit report. I disputed the account because it is not mine and XXXX reported on XX/XX/2020, that Enhanced Recovery verified the debt and it remains on my credit file. I wrote a letter to Enhanced Recovery asking them to validate the debt on XX/XX/2020. As of today, I have not received a response from them. Yet the debt remains erroneously reported on my XXXX Credit Report.
|
| 01/25/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Enhanced Recovery Company is falsely reporting the original date of delinquency for this bill as XXXX. XXXX refused to correct this when disputed in both XXXX and XXXX. The original date of delinquency was actually in XXXX, and should have fallen off of my credit report by now per Section 516.120 Revised Statutes of Missouri. I have images of the last payment date as noted on my XXXX account, and the following warning email saying that it would be sent to collections. No payment was made after the last payment date represented in these images XXXX XX/XX/XXXX XXXX. The images captured were taken from my XXXX account and XXXX account on XX/XX/XXXX.
|
| 05/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reviewed my credit report from XXXX in XX/XX/2018 and saw an unfamiliar collection account from ERC also known as XXXX XXXX XXXX for {$910.00}. I wrote and mailed them a certified letter dated XX/XX/2018 requesting validation of this debt ( signed contract for example ). USPS tracking confirms they received the letter on XX/XX/2018. However, as of today I am still waiting for a response from them. Instead, to add insult to injury, instead of responding to me with the requested documents, they have now added this same erroneous collection to my XXXX credit report today, which immediately negatively impacted my score ( score dropped 17 points )
|
| 12/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been having problems with this company called Enhanced Recovery LLC collection agency. They have been continuing a collection on my account for awhile even after I have explained to them I do not owe this account. I have asked them to give documentation with my signature proving that I am the owner of this account, they refuse to. I have been dealing with this company for awhile and want them to remove this inaccurate information as it is hurting my character and credibility. This company can not send me the original contract proving this debt to be mine. I want them to remove this inaccurate collection off of my credit report immediately.
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Today I received an alert that shows an account that is well over seven years old it shows that the account was open on XX/XX/2020 which is incorrect. This account shows 12 months of no payment history which is also incorrect I was never contacted on behalf of this account for resolving or making payments. The account was so old I didnt know that it would make a new mark and move my credit score down 18 points. I called to dispute this because the dates are incorrect and I was not contacted. The debt collector purchased this account and added new dates. Im in the process of purchasing a home and this doesnt look good especially not being correct
|
| 10/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX continues to send fraudulent debt charges to a new debt collector. I severed my service after working with their c/s to improve service outages, dropped calls and roaming when I was local. I worked with them by using new phones and repeater antenna. None of their failed solutions were successful so I was released by them from my service. I was not under contract any longer. I returned all phones, and paid my last bill. They are charging me for returned phones and service long after I had ported my phone numbers. I have contacted them, and each of the debt collectors by phone and in writing. They continue to harass and lie about the charges.
|
| 05/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
HELLO TO WHOM IT MAY CONCERN IM REACHING OUT ABOUT ENHANCED RECOVERY BETTER KNOWN AS T-MOBILE THEY KEEP CALLING MY PHONE EVERY DAY FROM DIFFERENT NUMBERS DEMANDING PAYMENTS WHEN THIS ACCOUNT WAS NEVER USED BACK IN XXXX I WAS TOLD IT WAS SOLD TO A DEBT COLLECTOR AND WAS REOPENED BACK IN XX/XX/XXXX THE DEBT COLLECTOR WAS VERY RUDE AND USED PROFANITY WITH ME I DIDNT GET HIS NAME AND THEY ALSO LEAVE VOICEMAILS WITH NO NAME SAYING THAT THEY ARE A DEBT COLLECTOR AND TO RESPOND BACK TO THE CALL OR I WILL HAVE A CHARGE FILED AGAINST ME.I ALSO WAS TOLD THAT IT WILL BE OPEN UNTIL XXXX WITCH IS INACCURATE AND THEY INSIST ON KEEP HITTING MY CREDIT REPORTS.
|
| 05/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got a alert that my credit score went down 14 points because ENHANCED RECOVERY COMPANY put a report on my account that does not belong to me, so i call E.R.C to get information on this dept so i can get it investigate, the rep was not able to tell me the address on the bill and when the account was open, all she was able to tell me is the original creditor ( XXXX XXXX XXXX ) i never had any account with this company and i have not live in florida for over 20 years.
The account was reported to the credit bureau on XX/XX/2020 and the amount is {$260.00}.
Creditor Information ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I tried to have all these companies that are showing on my XXXX credit report remove. I tried to dispute it with the companies and also XXXX but unsuccessful there are third party collections agency that have 2 of my accounts that are paid in full for XXXX and XXXX. My personal information is showing up on the Dark Web which social security number and and all my personal information I was notify by XXXX XXXX on XXXX XXXX. I have been trying to get help regarding this matter. The list of companies I want remove from my XXXX account XXXX XXXXXXXX XXXX XXXX, Enhanced Recovery Company, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
|
| 05/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A fraudulent account with XXXX XXXX was opened in my name. I never initiated or have ever had an account with XXXX XXXX. Subsequently, the unpaid account was sent to Enhanced Recovery Company , LLC who has been attempting to collect on the unpaid account.
XXXX XXXX will not be able to furnish proof that I ever initiated the opening of any account with their company, including any signed documents in my name permitting them to begin service. I have never inquired about starting service either in writing or by using their website.
Again, any account in my name through XXXX XXXX was opened fraudulently.
The collection amount is {$300.00}.
|
| 09/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
After requesting validation of this debt from Enhanced Recovery, they responded with a letter stating they were going to delete the account from my credit report. However, when I got the results from XXXX the acccount remained on my credit report. I sent a copy of the letter stating they were going to delete the account from my credit report to XXXX and XXXX responded stating Enhanced Recovery had verified the debt. This letter is clear in stating that the account will be removed and is dated XX/XX/2016 so there is no reason the account should be verified as of XX/XX/2016 especially since XXXX had proper evidence the account was to be removed.
|
| 06/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
The company is reporting that I owe a debt on m y credit report, once I called the organization I was told that they no longer own the debt but would not remove the item from my credit report. In addition, I was lied to by the first representative who told me that I could not get the company to remove the debt. I asked for a manager who told me that I did not have debt with them any longer and I told him I wanted the item corrected on credit report and I was told that it would be up to 45 days before that could occur. They also refused to let me speak to the in house attorney or a member of the administration team who handles credit reporting.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
|
| 02/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Enhanced Recovery Company ( ERC ), based in XXXX Florida, Has continuously pressured me into paying a bill that I do not owe at all.I never had XXXX phone service or XXXX XXXX XXXX which enhanced recovery is trying to force me to pay, I have reported to this collection agency that I do not owe a debt continuously over the last year. They continuously harassed we continuously harm my credit filter produce in the written verification of debt which is required under federal law.Enhanced recovery have been violating the fair credit reporting act.Please force them to remove all fraudulent items off of my credit report or non-verifiable information
|
| 10/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection agency called erc has been harassing me about a XXXX phone bill that is not mine. They show a date of XX/XX/2014 if said account. In the amount of $ XXXX.I 've disputed this several times and it was removed from 2 of the reporting bureaus XXXX and XXXX but still reports on XXXX. I've stated that by the fair credit reporting act states that if I dispute this negative item it must be resolved and removed but yet still remains. They contact me relentlessly to get my debit card information but I refuse to give it to them. Please help. I'm trying to buy a new house and obtain a mortgage and this negative item is holding that up.
|
| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Apparently, XXXX XXXX XXXX XXXX sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections company, XXXX . Now, both are appearing on my credit report and XXXX is mis-representing the date the account was open. The open date should have been XXXX / XXXX / XXXX but they are claiming it was open in XXXX . They are also reporting that I missed a payment in XXXX . I have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.
|
| 08/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had an unpaid debt to the creditor XXXX XXXX XXXX XXXX for XXXX XXXX on a Wi-FI hotspot. The company XXXX offered me a settlement of {$120.00} to pay off the debt. I accepted and paid {$120.00} in full, online, on XXXX. I have a statement from my bank reflecting this payment and a letter downloaded from the XXXX Web site which corroborates the debt was paid in full. I had no reason to believe otherwise.
On XXXX I received a letter via USPS from Enhanced Recovery Company , LLC which stated that I STILL owed a debt to XXXX XXXX XXXX XXXX of {$120.00}. They offered a settlement of {$54.00} for this debt which I already settled through XXXX.
|
| 05/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted ERC debt collector ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX ) multiple times disputing an item on my credit.
XXXX XXXX XXXX has verified with me that they do not have record of me having any contracts with them other than a pre-paid phone, in which would not report to my credit. Even with that confirmation XXXX. I sent ERC an email to verify proof of identity towards the debt or have it removed due to fraud XXXX as well. XX/XX/XXXX was the last time i contacted ERC for an update but they are still waiting on XXXX XXXX XXXX. I am almost reaching a month of waiting for an answer about this fraud on my credit.
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I moved out XX/XX/2021 and called service provider regarding relocation service. They open new account and didnt close previous account and Ive been charged for 15 months and when my credit card was expired they just move my due to collection. And that time I realize that they didnt disconnect my previous address.
They charge me because their representative didnt close my account when did transfer of service and they refused to refund me for that period instead they moved to collections.
I did called to collections and tried to resolve with them but they just dont resolve the case.
I did contact XXXX and my case never been take care of.
|
| 09/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have recently made an complaint about the same collection agency and they said they couldnt find an account but when I call not did they only find an account with the same info I gave them the first time they also said a different balance owed from what they are saying I owe the representative also proceeded to hang up the phone on me after stating my facts. ERC at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the about of {$100.00} the collection has been reported as past due. I do not know this company. I have never in my life done business with them. This company does not have a contract nor signature with me.
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 Enhanced Recovery, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 08/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On Account information disputed by consumer, meets FCRA requirements. I need written Proof of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me.
My next step will be filing a XXXX report against XXXX XXXX and a lawsuit.
FTC REPORT NUMBER XXXX AND XXXX
|
| 05/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2019 I received a phone call where I was told it was being recorded and I stated to the company to stop calling me. I then received a phone call on the same day at XXXX which I did not answer. I then recieved another phone call on XX/XX/XXXX at XXXX XXXX and when I was asked to speak to a manager they refused to allow me to speak to one and I again statted to remove my phone number.
I never received my validation notice from this company and when I told them they had my wrong address they didn't even ask for my new one. After telling them I didn't want any more phone calls on XX/XX/XXXX they continued to ask for a payment in full
|
| 03/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Enhanced Recovery Systems is continuingto report a collection account to my consumer credit file. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA
|
| 11/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A collection company by the name of ERC sent a letter by post addressed to me using my maiden name ( married XXXX yrs with using married name ) that I had a debt with a phone company that I previously shut off services with. I closed the account satisfactorily, because they sent me a refund check due to the billed amount was more than the charges incurred due to mid-month shut off.
Had all the ear-markings of a phishing expedition 1 ) Account number is wrong 2 ) Addressed to me in my maiden name ( 17 years married using my married name ) 3 ) PO Box address in the From line is from Pennsylvania and the PO Box address to line is to Florida
|
| 02/14/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
On XX/XX/XXXX I contacted XXXX XXXX about a debt on my credit report. I didn't think the debt was accurate or even mine but I needed the collection removed from my credit report. During the conversation I was told if I just paid it they would delete it from my credit report in 45 days. I was told this multiple times. I decided to pay the debt for this reason. I have since called XXXX XXXX multiple times and now I am told that they will not remove the paid collection from my credit report. I feel like I have been lied to so many times by this company to have me pay a debt. The last time I spoke with this company was XX/XX/XXXX. Please help.
|
| 02/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. I have informed XXXX that I returned their box. They have ignored me.
|