ERC

2016-11-17

Dallas, TX

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

2016-11-17

Bowie, MD

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 with non-monetary relief

Disputed: No Timely Response

2016-11-17

Glendale, CO

False statements or representation

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

Impersonated an attorney or official
Complaint: hello, on XXXX XXXX, 2016 I received a call from XXXX at XXXX XXXX XXXX time. The caller advised they were a XXXX XXXX XXXX representative and were trying to collect a debt in the amount of {$820.00} for a unreturned cable box. The caller was unable to provide any account information in reference to the time warner cable bill she was trying to collect for so I requested to dispute the amount/bill. I then called the XXXX XXXX XXXX XXXX Customer Service number to speak with a representative in regards to the amount due. I provided XXXX XXXX XXXX with all my personal information needed to access an account and the XXXX XXXX Representative had absolutely no record of an account. I called XXXX to discuss the questionable amount due since XXXX Customer service has no record of an account. The company recording advised it was ERC, a debt collecting agency. Why did they misrepresent themselves as a XXXX representative on the first call XXXX/XXXX/2016? The ERC representative was unable to provide any verification for the bill/amount and advised it needs to be paid. I advised them XXXX has NO RECORD of an account your claiming is past due. The representative then placed me on hold and provided me with the XXXX XXXX XXXX Fraud Dept Number and advised me to contact them to dispute the matter. So I contacted the XXXX fraud Dept and was told there is nothing they can do since there is no account to access or investigate. I called ERC, again who posed as XXXX in the initial call made XXXX/XXXX/2016, and advised them of the issue. They were still unable to provide any form verification of the debt and advised they do not have any original information for the debt, just the amount. I 've requested ERC provide the audio/media from the initial call received XXXX/XXXX/2016, stating they are from XXXX. At which point, the representative hung up. I 've called them numerous times requesting more information for the debt they are claiming I owe and have been addressed in a VERY unprofessional manor and hung up on. Please assist as this has affected my credit report and ERC is unwilling and unable to provide any verification of the amount they are stating I owe.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-11-17

Tacoma, WA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2016-11-16

Boynton Beach, FL

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 with non-monetary relief

Disputed: No Timely Response

2016-11-16

East Rockaway, NY

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 with non-monetary relief

Disputed: No Timely Response

2016-11-16

Nyc, NY

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Once XXXX XXXX, 2016, When I received notice that a XXXX XXXX bill was in collections. I immediately called the agency to verify this account. I provide my full name, address, and social security number and the representative was not able to locate an account with the information I provided. She informed to send and email to XXXXXXXXXXXX with a snapshot of the account on my credit report. I also included a validation request to show proof that I owe XXXX XXXX XXXX for the amount of XXXX. I did not get a response to my email and I called once again to be told the same information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-11-15

Boyle Heights, 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

2016-11-15

Mcdonough, GA

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2016-11-15

Greenville, SC

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 with non-monetary relief

Disputed: No Timely Response

2016-11-15

Houston, TX

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 with non-monetary relief

Disputed: No Timely Response

2016-11-15

Great Bend, PA

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 with non-monetary relief

Disputed: No Timely Response

2016-11-15

Tarzana, CA

False statements or representation

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

Attempted to collect wrong amount
Complaint: On XXXX/XXXX/16 ERC ( a collection company in XXXX FL ) sent a collection letter to my California home address, with a name similar to mine ( with incorrect spelling ), claiming that I owe a debt for services never solicited or rendered. I have never had XXXX XXXX XXXX services at my home. For the past 8 years my landlord has provided all utilities ( including our XXXX XXXX XXXX XXXX cable services ) in her name. I am concerned about fraud on the part of ERC, XXXX XXXX XXXX or an unidentified third party individual. ERC states in the bill sent to my address that these charges will be validated if I fail to respond within 30 days. This is not my debt.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2016-11-15

Galena, OH

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: I have a unverified account from Enhanced RecoveryXXXXXXXX I had previously disputed this account. I have never done business with Enhanced Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Enhanced Recovery 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 Enhanced Recovery 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 non-monetary relief

Disputed: No Timely Response

2016-11-15

Decatur, GA

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

2016-11-15

Bedford, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I was 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. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a 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

2016-11-14

Chicago, IL

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 with non-monetary relief

Disputed: No Timely Response

2016-11-14

Glen Allen, VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2016-11-14

TX

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have file a couple of dispute against a collection company, that were collecting for XXXX and won my disputes and it was remove off my credit report in collection. I do n't understand why is Enhanced Recovery Corp. is trying to collect on something that have already been investigated, solve and remove off of all XXXX credit bureaus. I have no agreement with Enhanced Recovery Corp or spoken to them on this issue. I like would them to remove this collection off my credit report or I will pursue a civil suit for harassment and for reporting false information on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-11-14

Atl, GA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: No Timely Response

2016-11-14

Jupiter, FL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: ERC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ERC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-11-14

Hillsdale, NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I had XXXX XXXX telephone lines for me and my family during XX/XX/XXXX, In the month of XX/XX/XXXX I closed my accounts with XXXX and went to another company. I fully settle the XXXX final bill dated XX/XX/XXXX which I received on XX/XX/XXXX by a cheque for {$60.00} sent under USPS certified mail.This XXXX had been realized from my a/c.In XX/XX/XXXX I received a letter from XXXX saying that I have a outstanding Balance of {$240.00}. Then I contacted XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I informed them that I have settled my final bill and I have nothing to pay.I also informed them that I have received a letter from Experience that my personal information has been hacked in the hands of XXXX, They agreed to that and said its being investigated and let me know the out com.But they never came back to me .Then I camplane it to CFPB too too, But I did not received a answer ( cse # XXXX ). Their after I received noticed from Debt collecting company named XXXX XXXX, requesting me to pay {$170.00}. Again I received a collecting notice from XXXX on XX/XX/XXXX requesting me to pay $ XXXX those occasions I explained to them the facts The latest from Debt collecting company named ERC contacted XXXX over the phone and requesting to pay {$91.00}, they have all ready reported to credit burou too.I have proof of all the document with me to prove what ia have said
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-11-14

South Florida, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of domestic violence and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-11-14

Reno, NV

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I PAID XXXX {$270.00} THAT THEY SAID I OWED THEM. IVE NEVER RECEIVED ANYTHING BY ERC TO SAY I HAVE AN ACCOUNT WITH THEM. ERC KEEPS REPORTING AN OPEN COLLECTION ACCOUNT FOR {$270.00} EVEN THOUGH IT HAS BEEN PAID TO XXXX. THEY KEEP REPORTING ON A NON VERIFIED ACCOUNT. IM NOT GOING TO PAY TWICE FOR THE SAME THING. ITS LIKE THEIR TRYING TO BLACKMAIL ME INTO PAYING TWICE. I ALREADY PAID XXXX AND ERC WANTS MORE
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2016-11-14

South Florida, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response