ERC

2017-08-12

Chicago, IL

Written notification about debt

Debt collection: I do not know

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

2017-08-11

Brandon, FL

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

2017-08-11

Atl, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-08-11

Cleveland, GA

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

2017-08-11

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XXXX, and they have reported the debt again as a negative item this month, XXXX. I have n't had a XXXX XXXX account since XXXX. I have had no recent account with them. The balance that was owed from XXXX was included in my Ch. XXXX bankruptcy filed in XXXX. I suspect that what XXXX XXXX and Enhanced Recovery Corp ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-08-11

Brooklyn, NY

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

2017-08-11

Louisville, KY

Incorrect information on your report

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

Account status incorrect
Complaint: I have a collection from the Enhanced Recovery Corp with XXXX XXXX XXXX. I have paid the debt to {$0.00} balance and it is marked as closed but I was told it would be removed from my credit report. Thank you for the awesome work you all do!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-11

Newnan, GA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: 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.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2017-08-11

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Recently I learned that Enhanced Recovery Corp. had reported to XXXX I owed XXXX XXXX XXXX {$22.00} that I was not willing to pay. This was a complete surprise, since Enhanced Recovery Corp. had not contacted me in any way about this. Not only that, but neither had XXXX XXXX XXXX. So I called XXXX XXXX XXXX. They searched all of my records for the to the very first time I opened my account with them three years ago, but could not find a record of any unpaid bills whatsoever. Yet, this is on my credit report causing unnecessary damage.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-10

Co Spgs, CO

Incorrect information on your report

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

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

Timely Response

2017-08-09

Palmdale, 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

2017-08-09

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2017-08-08

Vallejo, 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

2017-08-08

CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I HAVE SENT A DISPUTE TO THE COMPANY REQUESTING VALID INFORMATION REGARDING THE AVERRED ACCOUNT. I DID NOT RECEIVE A RESPONSE WITHIN 30 DAY, HOWEVER IT WAS 86 DAYS BEFORE I GOT A RESPONSE. THEN THE INFORMATION THEY HAVE, IS NOT ME, NOT EVEN MY NAME. ALSO THE INFORMATION THEY PROVIDED ME WITH WAS FROM A BILL DATE OF THE SAME MONTH AND YEAR, WHEN MY CREDIT REPORT SHOWS 2 YEARS PRIOR. IT WAS LIKE THEY JUST THREW TOGETHER A ITEMIZED STATEMENT.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-08

Union Chapel, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-08

Shreveport, LA

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

2017-08-07

La Tijera, 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

2017-08-07

Fort Russell, IL

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: XXXX XXXX,2017, XXXX XXXX was removed from my credit report in the amount of {$670.00}. I got a notification on XXXX XXXX saying this account was opened on XXXX XXXX, 2017. By law, this should have not been added with out something in writing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-07

Santa Ysabel, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This debt was left by my ex husband. He had access to all my info and left all kinds of debts on my credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-07

Superstition Mtn, AZ

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

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

Was not notified of investigation status or results
Complaint: On XX/XX/XXXX I send a letter requesting verification of a collection account. I have sent this letter before and have received no information whatsoever validating the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-05

WA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: 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.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-08-05

Carson, MS

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-08-04

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: to whom make concern ERC collection company claim that i owe them XXXX for an utility bill XXXX i have disputed the account which they fail to reported to the credit bureaus my initial letter i send to them was in XX/XX/2017 and the other one on XX/XX/2017 by not reply in a timely manner to my initial letter you signed for on XX/XX/2017 you have not only violated federal laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-04

Gardena, CA

Written notification about debt

Debt collection: I do not know

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

2017-08-04

Kimesville, NC

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