ERC

2017-02-23

Brooklyn, NY

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2017-02-23

Key Biscayne, FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: II reviewed my credit report and observed Enhanced Recovery conducted an un authorized inquiry to my credit report. I filed a complaint regarding an alleged debt that Enhanced Recovery was trying to collect and Enhanced Recovery withdrew there attempt of trying to collect money I did not owe.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-02-23

Bronx, NY

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Hello on XXXX XXXX i woke up to check my credit account and i saw a new collection account was added to my account. Upon further review this indeed was a collection account that was once removed from my credit report was added on again by the same collector without prior notice. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was XXXX/XXXX/17. Pursuant to the FCRA, I 'd like to be provided with copies of the certification required for reinsertion for this account. Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. XXXX Additional information. As part of, or in addition to, the notice under clause XXXX a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion XXXX a statement that the disputed information has been reinserted ; XXXX XXXX XXXX the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;.... '' I was not so notified. I am disputing this item. I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. Thank you for your time and effort.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-02-23

Eight Mile, AL

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

2017-02-23

Salton City, CA

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: No Timely Response

2017-02-23

Hornell, NY

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: This ERC company do n't understand that I already settled this bill with XXXX XXXX XXXX this is unreal I lost so many point over this I should not have no att bill at all the only bill I had with att I already paid off so I do n't get why they keep harassing me
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-02-23

WI

Communication tactics

Debt collection: Medical

Frequent or repeated calls
Complaint: also calling me at work now. the medical bills are part of a lawsuit and I can not pay until i settle with defendant.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2017-02-22

Gainesville, FL

Incorrect information on credit report

Credit reporting:

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

Disputed: Yes Timely Response

2017-02-22

TX

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: This amount was previously removed. It was for XXXX account with XXXX. The equipment was returned and XXXX kept saying the matter would be escalated and the amount removed but nothing was ever done. Now it is reported again. Just today I spoke with another agent XXXX # XXXX she hung up on me when she tried transfering my call. I am tired of this issue. I ca n't resolve anything with XXXX. See attached previous response from Collection agency.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-02-22

Brooklyn Center, MN

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2017-02-22

Rncho Domingz, CA

False statements or representation

Debt collection: I do not know

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

Disputed: No Timely Response

2017-02-22

Wallington, NJ

Communication tactics

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

Threatened to take legal action
Complaint: I just check my credit report- As I do almost weekly- Apparently I have a XXXX account opened in XX/XX/XXXX under the married name for my ex-husband- Apparently this account went into collection in XX/XX/XXXX I never received a statement from XXXX or any collection- My credit report shows a balance of {$180.00} from XXXX. If either XXXX or ERC in XXXX, Florida- If they had send me a bill prior to my divorce in XX/XX/XXXX I would address this issue and had my ex-husband paid this bill.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-02-21

Havana, MN

False statements or representation

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

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

Disputed: No Timely Response

2017-02-21

Dayton, OH

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

2017-02-21

Kissimmee, FL

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

2017-02-21

Little Rock, AR

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: Yes Timely Response

2017-02-21

Stamford, CT

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Hi, I had a collection account for a XXXX postpaid phone account which was in collections. I paid the debt in XX/XX/XXXX through an agreement with the collection company. I just checked my credit report however, and I see that Enhanced Recovery Corp is still reporting XXXX {$120.00} unpaid collection account as recently as XX/XX/XXXX. This is hurting my credit, and they should not be continuing to report the account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-02-21

Bel Alton, MD

False statements or representation

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

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

Disputed: No Timely Response

2017-02-21

Greenwood, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XXXX/XXXX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-02-21

San Diego, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I paid an old XXXX XXXX XXXX debt a year ago and just received a debt collection letter threatening to report me to the credit bureaus. I contacted XXXX XXXX XXXX again and they verified the account was paid, in good standing, and closed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-02-21

Greenwood, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XX/XX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-02-20

E Haven, CT

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

2017-02-20

Santa Ana, CA

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

2017-02-20

Hainesville, IL

Disclosure verification of debt

Debt collection: I do not know

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

2017-02-20

Foothill Ranch, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: Enhanced recovery is reporting an account on my credit reports which it said it would deleted ... The account was paid & should have not been placed on my credit ... Enhanced Recovery is aware of the issue & agreed to remove ... I need this removed at once as it impacting my ability to get a loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response