ERC

2017-09-30

Murrayville, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-30

Conyers, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-30

Dania Beach, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-29

Parkrose, OR

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-29

Tucson, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I spoke with this company MULTIPLE times where I was dealing with XXXX Directly. XXXX has informed me multiple times that we are handling this together. And this company keeps calling me and telling me I need to pay them. And they give all information over the phone, they even told my sister my social security number over the phone. REALLY!?!? That is not professional, what if she didnt even know me. They have NO BUSINESS putting this on my credit report as I am not doing business with them NOR do I owe them ANY MONEY!!!!!!!!!!!!!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-29

Duncan, NC

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-28

Tarzana, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-28

Boston, MA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2017-09-28

Fort Worth, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I filed a letter for proof of validation with XXXX XXXX XXXX, XXXX for XXXX The original creditor is XXXX for a debt there saying I owe they sent me a old bill which was n't the correct amount also updated the bill to a recent date of XX/XX/XXXX this has been on my reports for 4 years now if not more I requested the signed agreement ( contract ) for this debt and did n't receive it they deleted the file from my XXXX and XXXX report around the date of XX/XX/XXXX but will not delete from my XXXX report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-28

Hinsdale, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: 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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-28

Cherokee, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to arrest you or take you to jail if you do not pay
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2017-09-28

Conyers, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-27

Cocoa, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-27

Jersey City, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: 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}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-27

Casselberry, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-26

Fort Mohave, AZ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-26

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I XXXX XXXX XXXX have requested account validation of debt on X/XX/2017 from XXXX XXXX XXXX XXXX. ( ERC ) and they have never responded to my request in writing. I XXXX XXXX XXXX have never entered into a contract with ERC and I do not owe them any money, the account is paid in full. It has been approximately 95 days since my initial correspondence, and they have ignored my attempts for them, ( ERC ) to prove validity of said debt, by providing a signed contract baring my signature to do business with ERC.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-26

Clarkesville, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-26

Rosenhayn, NJ

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-26

Conroe, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: There is a collection account which is unknown and I do not owe this company {$410.00} requesting removal
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-26

IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I sent a request for debt validation to Enhanced Recover Company by return-receipt mail on XXXX XXXX, 2017. The letter was returned unopened and marked by USPS as " Return to Sender, Refused, Unable to Forward ''. This company is reporting a debt {$3300.00} to all three credit reporting agencies. I have no knowledge of this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-25

Patterson, MD

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: I 'm XXXX XXXX XXXX I noticed Enhanced Recovery re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-25

Cheverly, MD

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Complaint: Enhanced recovery, is using threats to make me pay a debt that is not mind. I have contuned to requet for validation and verification of the alleged debt but to know avail. Please remove this false information from my files
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-25

Centerville Branch, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-25

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response