ERC

2017-05-31

FL

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
Complaint: I do n't owe XXXX any money.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-31

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: THEY ARE REPORTING ON MY CREDIT REPORT HOWEVER, I WAS NEVER NOTIFIED OF THIS DEBT
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-31

Bohemia, NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: as of XXXX or earlier XXXX was reported a {$570.00} balance, this is after I ended my contract with a XXXX balance in XXXX . I have asked numerous times for proof of the contract agreement and the finally bill and receive d nothing.. XXXX and erc are giving me the run around
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-31

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

2017-05-30

Cocoa, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

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

Timely Response

2017-05-30

Manchester, TN

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to arrest you or take you to jail if you do not pay
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-30

Ft Myers, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-05-30

San Gabriel, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: on XXXX XXXX XXXX I took subscription for XXXX .Account number XXXX On XXXX XXXX equipment was shipped by XXXX . On XXXX XXXX XXXX send cancellation email. On XXXX XXXX confirmation email received of returned equipment Now I see on my credit report there is a collection filed on XXXX XXXX XXXX by XXXX for {$460.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-30

Macclenny, FL

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

2017-05-30

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against ENHANCED RECOVERY for re porting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Company Response: Closed with explanation

Timely Response

2017-05-29

Detroit, MI

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I previously had a relationship with XXXX and ended it. They transferred my account to some collection agency, unannounced to me. Me and that prior company had arrangements and they removed it from my credit file. Now fast forwarding, I received an alert t hat Enhanced Recovery Company added ne gative information to my credit file. They never made an effort to send me a notice, call me or make some form of contact prior to adding this to my report. I have called this company 3 times in effort of resolving this and nothing. They simply have no resolution and the the agents that I speak to are rude.
Company Response: Closed with explanation

Timely Response

2017-05-29

Charlotte, NC

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

2017-05-28

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: The Compa ny : Enhanced Recovery Co L address: XXXX XXXX XXXX fl XXXX , placed a collection account for {$300.00} without notifying me that there was even an attempt to collect a debt or even information to dispute the collection. The company is in direct violation of the Fair Debt Collection Practices sect ion 809 ( a ). Validation of debts. The company has placed this negative mark on my credit reports and I would like it removed because it is hindering my chances to gain other credit and tarnishing my name that I have been working to clear in inaccuracies in order to maintain good credit.
Company Response: Closed with explanation

Timely Response

2017-05-27

Norwalk, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX 2016 i filled a dispute against ERC XXXX XXXX XXXX in the amount of {$340.00} and on XXXX XXXX 2016 it was removed from credit reports all XXXX credit agency 's and now reported again as a new collection i had no warning no letter i received an email from my monitoring service that was added once again ... same amount from ERC i have filed another dispute with agencies and they said they nothing i can do ... how can they remove it and reopen it ... .. thank you XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-27

Key Biscayne, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: 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
Company Response: Closed with explanation

Timely Response

2017-05-25

Beyersville, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-05-25

Richmond, VA

Took or threatened to take negative or legal action

Debt collection: Credit card 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

2017-05-25

Houston, TX

Incorrect information on your report

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

Account information incorrect
Complaint: I accessed my credit reports and see that Enhance d Recovery Services and reporting as ERC for accounts that are reporting as well. They are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and would like for them to d elete the information they are not bound to report. i have reached out but to no avail they are refusing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-25

Barb, OH

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-05-24

Baton Rouge, 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 non-monetary relief

Timely Response

2017-05-24

SC

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: daily calls are rec'vd by XXXX ( ERC Collection company ) - they do not speak, they do not identify themselves and they do not hang up I have called them repeatedly to have this stop - but they claim no knowledge of phone calls - this is repeated harassment - my most recent phone call to them was on XXXX XXXX 2017 at XXXX - I spoke to XXXX XXXX - who tried to confirm personal information - which I refused, other than my name and address
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-05-24

Nashville, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I received a letter postmarked XXXX XXXX , 2017 from ERC " indicating a balance with XXXX XXXX XXXX '' that I am unaware of. I responded by certified mail requesting information and verification of that debt. ERC has not provided such information. Instead they have begun to contact me through channels outside of those requested ( by phone ) and continue to avoid their responsibility. I 'm initiating this request today because, after informing ERC of their obligation to respond with requested information by mail, ERC instead chose to challenge my claims and then abruptly ended their phone call.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Timely Response

2017-05-23

Ft Wayne, IN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-05-23

Boca Raton, FL

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2017-05-23

Jersey City, NJ

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: 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.
Company Response: Closed with explanation

Timely Response