ERC

2019-08-21

PA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-08-21

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine. I would like to have these resolved and removed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-21

Pacific City, OR

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

2019-08-21

Sanford, FL

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-08-21

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

2019-08-20

Norwalk, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: This falls into the fraud categorie, I was in XXXX from XX/XX/XXXX and was released on XX/XX/XXXXso somebody use my information to obtain cable tv service.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-20

Yeagertown, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: ERC Place items on my credit regarding a bill not associated with my social security number. I requested a contest to contract and they continue to send a bill.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-20

AL

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I moved to my current address in which XXXX does not cover here! I contacted them to let them know I couldn’t use my service here and I sent documents showing my new location and they agreed that they don’t have coverage here. Now it is on my credit. This keeps coming back with new dates as well.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-19

Orange, TX

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-08-18

Hamden, CT

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-18

Chicago, IL

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

2019-08-18

Maynard, MA

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

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

Their investigation did not fix an error on your report
Complaint: This company claims that I have a balance of $XXXX with them, I have been disputing this debt because they are reporting it as in collection on my credit report, I asked this company to please provide me with a copy of the original contract which bears my signature and which it concerns the debt being collected. All that ENHANCED RECOVERY COMPANY provided me with is a bunch of copies of account bills from the years XX/XX/XXXX and one copy from the year XX/XX/XXXX. This is not enough to validate the debt that they are trying to collect, I don’t want a piece of paper showing an itemization neither. I looked up the debt collection laws in the state of Massachusetts because that is where I reside and it says that on XX/XX/XXXX the Massachusetts Attorney general published onerous new consumer debt collection practice regulations, deeming their violation to be an unfair trade practice. It also says that these regulations, which became effective upon publication, purport to govern every business and person nationwide who engages in collecting a consumer debt (defined as any debt resulting from a purchase, lease or loan of goods, services or real or personal property or for a loan of money obtained for personal, family or household purposes, whether or not reduced to a judgement) from a person located within Massachusetts. Like I said at the beginning of my complaint, ENHANCED RECOVERY COMPANY is not willing to provide me with all documents or an original contract that bears my signature that is required in the state of Massachusetts. I am including some pictures that were taken by me so that ENHANCED RECOVERY COMPANY can read what the laws and regulations are in the state where I reside. If they are licensed to collect in Massachusetts, they should know these laws and regulations. This is not a refusal to pay, but I need this debt to be validated before I make any type of payment. If the debt cannot be validated please delete it from my credit file, as it is causing my credit worthiness big damage. Copies of account statements is not enough to proof that I opened this account, provide me with the original contract or delete the account from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-17

San Diego, 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

2019-08-17

Rayford, 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

2019-08-17

Orange, TX

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-08-16

Hampton, VA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On my credit report, the collection agency has reported twice for the same original creditor which is XXXX XXXX XXXX XXXX but for two separate amounts. One for {$580.00} and another for {$1500.00}. I do believe this creditor is trying to get additional monies because one is {$1000.00} more with the exact amount in the hundreds. I also have not received anything from them stating this debt. Just something on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-16

Fort Campbell, KY

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

2019-08-16

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This is not my account and was previously deleted from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-15

Westminster, 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

2019-08-14

Philatelic Center, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX has me in collections with Enhanced Recovery for equipment and I have my receipt showing I have turned in all equipment. XXXX {$720.00} enhanced recovery company This is on my credit report and it needs to be deleted, paid debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-14

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Enhanced Recovery Company is trying to collect a debt from me for XXXX XXXX {$940.00} and XXXX XXXX XXXX {$760.00} I have never used anyone of these services in my life. The only services I have ever used was XXXX XXXX, XXXX XXXX ( XXXX until XXXX ), XXXX XXXX ( XXXX to present ). This is the first I have heard of this I haven't received any bills from XXXX XXXX or XXXX XXXX XXXX on this matter. The only reason I discovered this debt I open up my account on XXXX XXXX and seen XXXX XXXX and XXXX XXXX XXXX in collection. If you check my credit report I only have one account open on my credit report because all my life I paid for everything in cash. I am pretty sure it was identity theft but this need to be cleared off my credit report and pursue who ever done this or I would be force to file a civil lawsuit on Enhanced Recovery Company for harassing me on a debt isn't mines.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-14

Key Biscayne, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XX/XX/2019, I received a letter from a collection agency ( ERC ) stating that I owe XXXX XXXX {$700.00} ( account XXXX reference number XXXX ). I called the 1800 number provided in the letter to inquire about what this debt was in reference to. I spoke to one of your representatives in XXXX and advised him that this is not my debt that I have never opened an account with XXXX XXXX. The representative asked if I knew a XXXX XXXX who lived in XXXX XXXX XXXX, Tx XXXX. I stated that I do not know any XXXX XXXX nor I have I ever lived in Texas and that I have never authorized anyone to open any account under my name. This is obvious a fraud or a mistake. I am disputing these charges/debt to be a mistake or Fraud. On XX/XX/2019 I wrote ERC the following letter : ERC XXXX. XXXX XXXX XXXX, Fl. XXXX XX/XX/2019 XXXX XXXX Re : XXXX Account Number : XXXX Amount {$700.00} To Whom It May Concern : I am writing this letter in response to the letter received from you on XX/XX/2019. 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 that you talked of earlier. 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 : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. 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, On XX/XX/2019, ERC responded via mail with a letter and a copy of a signed " Digital Home Advantage Plan Agreement '' with the customers phone number, email address, Home address, city and State including the date. I have never been to Texas nor I have ever seen or signed that document. Never had that particular email address, home address nor phone number. I have obviously been a victim of FRAUD.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-14

Downey, CA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-14

South Florida, FL

Incorrect information on your report

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

Account status incorrect
Complaint: This account has been paid off in full information is not correct I have returned the equipment and made payment in full this information needs to be updated should not be showing delinquent on my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-14

Houghs Neck, MA

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

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

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response