ERC

2017-05-04

San Angelo, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-05-03

Turlock, CA

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

2017-05-03

Chandler, AZ

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

2017-05-03

Flower Mound, TX

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

2017-05-03

Westerville, OH

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-05-02

Brooklyn, NY

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: 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
Company Response: Closed with explanation

Timely Response

2017-05-02

Shulerville, SC

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: 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?
Company Response: Closed with explanation

Timely Response

2017-05-02

Lynn, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-05-02

Jonesboro, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-05-02

Ft Lauderdale, FL

Threatened to contact someone or share information improperly

Debt collection: I do not know

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

Timely Response

2017-05-02

Mount Vernon, NY

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

2017-05-02

Lynn, MA

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

2017-05-02

Snellville, GA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-05-02

Bellaire, TX

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2017-05-02

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-05-01

OR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-05-01

Katy, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have not had a contract with XXXX . The Debt is not mines. the creditors continue to remove the debt and then reinsert it back on my credit with a new date
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-01

Juniper Hills, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I discovered this account on my account. I have never received a notice for the right to dispute. I have no knowledge of this account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-01

Chicago, IL

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Complaint: Company nev er validated/ Verified account and is in direct violation of FCRA, FDCPA and federal and State consumer p rotection laws.
Company Response: Closed with explanation

Timely Response

2017-05-01

Juniper Hills, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.
Company Response: Closed with explanation

Timely Response

2017-05-01

Juniper Hills, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.
Company Response: Closed with explanation

Timely Response

2017-05-01

Brooklyn, NY

Written notification about debt

Debt collection: I do not know

Notification didn't disclose it was an attempt to collect a debt
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2017-05-01

Reno, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2017-05-01

Grandville, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-04-30

Randolph, MN

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response