ERC

2019-08-07

Midlothian, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-08-06

FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Balance : {$1600.00} On XX/XX/2019 I notified Enhanced Recovery in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. Enhanced Recovery refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Enhanced Recovery under the Dodd-Frank Act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-06

Columbus, OH

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I request that Enhanced Recovery Company {$240.00}, {$530.00} formally substantiate account data Enhanced Recovery Company conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified account. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Enhanced Recovery Company desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-06

Kissimmee, FL

Communication tactics

Debt collection: Other debt

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

Timely Response

2019-08-06

Logan, UT

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

2019-08-05

Juniper Hills, CA

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 non-monetary relief

Timely Response

2019-08-05

Key Biscayne, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I am writing today because I am having an issue with a collection agency reporting data to my consumer credit file. I have asked for validation, be it documentation or other documents in compliance with my rights under FCRA. Twice I have asked and twice nothing is provided on this account. They stamp the file FCRA compliance and do nothing to comply. I have no knowledge of the item reported. I am asking assistance in forcing the reporting agency to comply with the law and if it fails to do so, as it has with me on multiple occasions to have the information removed from the 3 credit reporting agencies just as now they have placed it there.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-05

La Honda, CA

Written notification about debt

Debt collection: Credit card 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

2019-08-05

Brooklyn, NY

Took or threatened to take negative or legal action

Debt collection: Other 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

2019-08-04

Lithia Spgs, GA

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

2019-08-04

Chicago, IL

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

2019-08-03

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-02

Fort Mill, SC

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

2019-08-02

Charles A Hayes, IL

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: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-02

Toppenish, WA

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

2019-08-02

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-08-01

Lb, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Hello, I sent a Certified Letter requesting documents showing this was my account. I am asking for them to please DELETE THIS ITEM FORM ALL THREE CREDIT BUREAUS. I was applying for a loan and the bank said a had to pay the above collection or I could not receive a loan. So I called them and they and requested Validation about this account and never received anything they just pay them half and they mark it as paid. I need them to provide me with documentation or remove this account from my credit report. ENHANCED RECOVERY COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2018 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION Original Amount : {$680.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-01

Greenwood, WA

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

2019-08-01

New Hanover County Airport, NC

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

2019-08-01

Lockhart, FL

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

2019-07-31

Jupiter, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: This is to dispute this collection I been tried to resolve this problem no one seem to help me I contacted all three credit bureau no resolve.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-31

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 non-monetary relief

Timely Response

2019-07-31

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-07-30

GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I recently made a payment of {$230.00} to Enhanced Recovery Company not knowing that I had the right to dispute the account. I was paying to prevent from having multiple negative entries on my credit report. The Collection Agency placed an entry on my credit report before notifying me in writing or allowing me to validate the debt. I pulled my own credit report out of surprise that the entry was made but placed as a zero ( 0 ) balance. I received no notice from the collection agency just paid them without knowledge that it was already listed on my credit. I submitted a certified return receipt letter to them dated XX/XX/2019 validating the debt with no response. I submitted a dispute with XXXX XXXX report they updated the information with no proof of how they verified the entry. I dont have anything with proof that I actually owed that amount & when did this account went delinquency. They are reporting incorrect information. I dont have any information about this account from the Collection Agency that states they are collecting for XXXX XXXX XXXX. I request for documentation or for the entry to be removed from my credit report with XXXX. I have supporting documentation to support this complaint such as the certified letters & letters received from XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-30

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: XXXX allowed my mother XXXX XXXX to open an account with two phone lines with new phones. The information I received said it was completed in XXXX, They did not ID my mother or take the correct action to verify her information as she used my social security number. If they had asked for verification ( like an ID/drivers license/social security card etc. ) of the information they would of known it was fraud as her ID does not match since her name is XXXX XXXX and not XXXX. I did not find out about this account until after it happened in XXXX when I tried to get an apartment after graduating college and they told me I had an outstanding debt with a phone company. I have just now switched to an actual carrier, which is XXXX. I had a prepaid phone through XXXX XXXX for years, ever since middle school. I moved out of XXXX XXXX in XXXX and never moved back. I have been disputing the addresses that have come up on my credit report due to her stealing my identity as this is not the first time. There are two police reports filed with the XXXX Police Department. One report is for this identity theft case and one for another identity theft case with a different phone company, since I am in XXXX I didn't have the ability of doing anything regarding charges. I have been having some problems removing the addresses from my credit report but I am still trying to complete the update. Upon calling XXXX at the time of finding out what my mom was able to complete with my information to inform them it was fraud and that I didn't complete this. They told me I was still responsible even though this company did not do their due diligence to gather the correct information to open this account. I was informed that since I had called about and the information matched that I was the owner of the account. That the account was set up online and no additional verification was completed and that they didn't see my mom stealing my information as fraud since she is my mother. Well not all parents and children get along and me and my mother do not get along. We have not spoken in a very long time and at the time of her completing this we were not speaking and she did not, I repeat she did not have my permission to open this account. She has a habit of starting phone lines and getting overwhelmed by the balances and then stops paying them, she has been doing that for years, why would I slow her to use my name and information like that? To start a phone line and not pay it so it can end up on my credit not hers? Why would I slow her to do that when I'm trying to start my life and need my credit. I started my XXXX account in XXXX, I have lived in XXXX since XXXX, XXXX from XXXX in XXXX XXXX and then XXXX XXXX, then XXXX XXXX in XXXX, then XXXX XXXX XXXX in XXXX XXXX and I now stay in XXXX XXXX XXXX XXXX, my leases can be checked and verified with then. I shouldn't have to pay a bill for {$810.00} and then another for {$180.00} if I am not the one that started or opened the account. XXXX needs to take ownership of the fact that they didn't complete what they were supposed to while gathering the false information, the representative stated the account was opened online and that they didn't ask her for further verification, and they did not check her information, they just accepted it and let her open the account. I have disputed this with XXXX and from my credit several times, it's been long enough to where it was supposed to be removed as well but hasn't. It feels as if this company was and is only concerned about getting money even from people that are not responsible.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response