ERC

2017-09-14

Hinkley, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-14

IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Spoke with rep in regards to this account ask for " FULL VALIDATION '' COPY OF ORIGINAL CONTRACTS NO REPONSE. STILL RECIEVE PHONE CALLS.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-14

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-09-13

Dayton, OH

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

2017-09-12

Celina, TX

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: A new collection was reported on my XXXX account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. XXXX keeps messing with my credit account and we do not know why this keeps happening.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-11

Aberdeen, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-11

Birmingham, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have received collection letters and a negative account has been placed on my credit report for a debt that I do not owe this company. This account with XXXX has been previously removed from my credit report and now it is reporting again. This is not my account. I have provided the copy of my fraud report with the FTC.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-10

IA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: ERC submitted negative information to my credit profile that has already be deleted with another creditor who provided me a letter of deletion. I advised ERC the account was a established without my permission and paid the account with the understanding they would be settled an removed. I contacted ERC a half dozen times maybe more to request a letter of deletion of the info that had not been reflected perviously. This has caused me not to be able to continue with my home purchase with one of the lenders I was going to use.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-09

NM

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-09-09

Breckenridge Hills, MO

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

2017-09-08

Houston, TX

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

2017-09-08

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Just noticed I have a derogatory remark on credit report from XXXX XXXX. I have fought this before as a stolen identify case with another company. This time it states I opened an account XXXX XXXX XXXX when I have been XXXX overseas since XXXX I have not owned XXXX XXXX nor will I ever. They can not provide me with contract details or even the address that I supposed open this account. Police reports have been filed and sent to credit monitoring companies to no avail.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-08

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

2017-09-07

Muhlenberg, NJ

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

2017-09-07

Bellaire, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-09-07

Bolling Afb, DC

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

2017-09-07

Blackbird, DE

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-09-07

Cheverly, MD

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-09-06

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-09-06

Centerville Branch, GA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2017-09-05

TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This debt is almost 3years old yet they continue to remove and replace with incorrect dates so that the debt always looks like a new collection. I attempted to pay them years ago but gave up due to there collection techniques now they use improper methods to destroy my credit. I 've had to live with this on my credit for years but it is uncalled for for them to remove it every so often so they can make it look like new debt again.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-05

Neotsu, OR

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-09-05

SC

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: ERC removed a debt for {$680.00} on my credit report and has now resubmitted it on XXXX XXXX XXXX. I have contacted them to let them know that this debt does not belong to me. They say that they are working with XXXX to collect this debt. They sent me a verification of the debt but did not provide me any documentations such as a signature showing that this is my debt. They are ruining my credit profile and I am currently trying to buy a house. This has been beyond belief and this item is damaging my reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-04

Garland, TX

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2017-09-02

Beaver Creek, OH

Threatened to contact someone or share information improperly

Debt collection: I do not know

Talked to a third-party about your debt
Complaint: I do not owe any debt, and the collection company does not allege that I owe a debt. This debt collection company contacted me looking for someone else, and in doing so, disclosed that the other person owes a debt.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response