ERC

2017-03-31

Washington, DC

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-31

Augusta, GA

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-31

Dallas, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-31

NC

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: My complaint is in regards to a debt that is being " double reported '' on my credit file by Enhanced Recovery, account # # XXXX in the amount of {$1200.00} and also by XXXX XXXX, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. I have requested " validation '' of this debt from Enhanced Recovery which I do not owe because I have never signed any contract with this company. What they continue to do is send me a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this same account. Therefore, Enhanced Recovery have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. Any assistance that your organization can provide would be highly appreciated. Regards, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-31

DE

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I lived in this apartment complex from XX/XX/XXXX to XX/XX/XXXX, the cable, water sewer consumption and trash was included in the rent monthly. Tenants were not allow to separate the utility from rent, all utility were included in the rent total. I do not owe the cable company any money and the cable bill was not in my name. Please remove from all the credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-03-31

Grand Prairie, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-31

GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This is on my report but it 's not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-03-31

El Paso, TX

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: I do not know who this company is, never recur correspondence about this supposed debt. I am a military vet and I want this false collection removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-31

TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: I am filing a complaint on ERC that has added a collection to my credit report on a debt that is more than 8 years old and should be deleted from my credit record once and for all. This account was with XXXX in 2007 then with XXXX that is logged several kinds of ways on reports to camouflage them selves this account must be delete from my credit report. Credit reports provided as proof.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: Yes Timely Response

2017-03-31

Haskins, OH

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: This is the third company that has tried to collect on this debt. Each time the amount of money they say I owe increases hundreds of dollars. I have contacted XXXX each time someone tries to collect this debt and they say they have no idea that I DO NOT OWE THEM MONEY NOR HAVE I EVER HAD ANY ACCOUNT WITH THEM. they say that they never placed my account for collection. I have sent two validation demand letters to this company demanding that they show me proof that I owe this money, since XXXX themselves have no idea about the debt. The have ignored each request. I have sent a cease and deceit letter and yet they still call me. They had thirty days to provide validation which they refuse to do. I gave them two chances they refused. I sent a letter demanding they stop calling and they said when they called that they do n't have to abide by that letter. They said I owe the money and that they will either sue me for it in Florida forcing me to drive there to defend myself since I live I Ohio or they will press criminal charges against me for fraud and just have me arrested. Everything about this is illegal it violates the Fair Debt Collections Practice Act and the Fair Credit Reporting Act. They are purposefully re aging this account by selling it back and forth so it stay on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-31

Portland, OR

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-30

Washington Green, CT

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: In XXXX I went to the hospital near where I live in XXXX Connecticut I sat there for two hours they did nothing for me I left that hospital proceeded to go to another hospital where I actually receive treatment they claim I owe them {$85.00} for taking my name I am not going to pay it I am getting harassing calls all day long every single day the phone numbers come up with different names different states today 's came up as XXXX XXXX I 've repeatedly told him I will not be paying this and they continue to harass me everyday everyday
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-30

Mem, TN

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-30

Sierra Madre, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I received notification from XXXX that a new account was sent to collections. After reviewing the account, the account is not mine, I do n't recognize that balance or that company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-30

Newnan, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: Debt is not mine and does not belong to me. I have contacted XXXX and they have no record of my information. I have received several letters from the collection agency non stop and even at one point advised them it was included in a bankruptcy so that they would quit contacting me. The calls did not stop and neither have the collection letters. Since then this item has appeared on my credit report drastically reducing my score and affecting my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-30

Knickerbocker, NY

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Indicated committed crime not paying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-30

Patterson, MD

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: The company said they would remove my the account off my credit report and they have not even tho I paid the settlement for a delete
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-30

Lakeland, FL

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-30

Jacksonville, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-03-29

TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: I am a victim of identity theft and noticed a collection from ENHANCED RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete an id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-29

MN

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: In XX/XX/XXXX I entered into a contract with XXXX for two years with 12 months of promotional price and 3 months of free prime channels. It was also explained to me that If I would move and not be able to receive their services I could terminate with no fee. This was important information to me due to the fact I was a renter. I also was told at 12 months I could enter into a new promotion. I was also suppose to receive some football package which I never did get. I moved in XX/XX/XXXX and kept the services at the home I was in prior until mid XX/XX/XXXX I believe. At that time I contacted XXXX and explained that I moved to a new place where I was not able to have XXXX. I was told that I could enter into a " hibernate '' which I would pay {$15.00} I believe to keep my account active and they pulled this out of my account without my knowledge using my card that was on file. They stopped pulling it out of my account and that " hibranate '' period ended. I told them again that it was told to me multiple times that I would be able to cancel my service with no fee due to not being able to have their services. It went to collections a year later and I contacted them again and called their corporate office in California. I talked to numerous people non of which I remember names. I thought it was resolved until recently it was at a new collection agency and no on my credit report. I also found that the federal trade commision charged XXXX in XX/XX/XXXX for deceptive advertisement. This situation is very similar to mine. I do n't honestly remember all the specifics because I really thought this was resolved. I can not have XXXX where I live and I was told by XXXX before signing up that If this situation were to happened I would no longer be bound to the contract terms and would be able to cancel with no fees. I expect that they would stand by thier word or I would not have entered into this agreement.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-29

Inglewood, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-29

Wann, OK

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: XXXX reports that I opened an account in XX/XX/XXXX. I opened no accounts of such type in XX/XX/XXXX. The account was opened in XX/XX/XXXX. They illegally changed the date of opening this account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-29

OH

Incorrect information on credit report

Credit reporting:

Account status
Complaint: The account was paid in full as a collection with the understanding that it would be removed would be removed from my credit file after they received the payment the account was paid and closed on XX/XX/2014
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-28

TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I received a letter from ENHANCED RECOVERY COMPANY in XX/XX/2017 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. They never responded. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the account listed within 15 days of receipt of this then you must remove this account from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response