ERC

2019-07-23

Northdale, FL

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

2019-07-22

Charleston, SC

Incorrect information on your report

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

Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-22

Jackson, TN

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

2019-07-22

Okc, OK

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I sent a certified investigation letter to XXXX XXXX on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt. XX/XX/XXXX XXXX sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}. XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to XXXX XXXX stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information. XX/XX/XXXX I receive a letter from ERC stating XXXX XXXX , XXXX has placed your previously disputed account with ERC. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}. XX/XX/XXXX I receive a letter from XXXX XXXX stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-21

Taft, OH

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: Enhanced Recovery Company ( XXXX XXXX XXXX in XXXX, Florida XXXX, physical address XXXX XXXX XXXX, XXXX, Florida XXXX ) reported to the credit bureaus that I owe {$100.00} to XXXX XXXX XXXX, XXXX. My bill was actually for $ XXXXwhich I just paid. I tried contacting them but could not get through. They need to remove this incorrect balance ( which was just paid ) from the various different credit bureaus. I looked this company up on XXXX and they have a one star rating, leading me to think they are involved in fraudulent and possibly illegal collection activities. I have copied and pasted the receipt of the bill I paid ( which was for {$64.00}, not {$100.00} ). They also have NEVER attempted to contact me, or even sent me a bill in the mail. Thank you! Under this receipt I copied and pasted what they send to the credit bureaus. We received your recent payment to XXXX XXXX XXXX XXXX. Confirmation # : XXXX Payment To : XXXX XXXX XXXX XXXX Account : XXXX Payment Amount : {$64.00} Payment Date : XX/XX/2019 XXXX XXXX XXXX XXXX WHAT WAS REPORTED TO THE CREDIT BUREAUS accountnumber XXXX Creditor 's Name ENHANCED RECOVERY COMPAN Type of Industry Other Collection Agencies Address XXXX XXXX XXXX, XXXX XXXX FL XXXX Account Balance XXXX Payment Status Collection/Chargeoff Creditor 's Preferred Contact Method Other Consumer Statement Placed for collection
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-19

Irving, TX

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

2019-07-19

Stewart, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have been attempting to get an account deleted from my credit history. The collection agency, Enhanced Recovery Company, stated that they needed permission from the original creditor to delete it on XX/XX/XXXX. I talked to the creditor, XXXX and they stated that they would have their solutions department resolve this matter. On XX/XX/XXXX XXXX stated that they no longer have a solutions department. I feel misinformed. I have had several items over the last two years deleted from my credit history without any problem. If you could please do all you can to get this account deleted from my history it would be a major help seeing that I am building my credit and this account is pulling me down. On XX/XX/XXXX the account was paid in full for XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-19

Wildomar, 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

2019-07-19

Irving, TX

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

2019-07-18

Pittsburg, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Enhanced Recovery Company ( ERC ) did not send me a " Notice of Debt '' before reporting this account onto my credit report. So, I disputed the debt with all 3 credit bureaus, in which they responded back to me and told me that ERC validated each time I disputed the account. So, I sent a validation request to ERC on XX/XX/19 ( see doc 1 ) which they ignored and didn't send me any documentation verifying that I am the correct consumer who they are trying to collect a debt from. Per FDCPA, ERC supposed to do the following and they did not : notify me of the alleged debt, cease reporting & collection until the debt has been verified, 5 days after initial communication send me a document showing the original creditor, the amount owed, and the address of the original creditor with the debt collector statements written on it. My rights as a consumer have been violated several times by ERC and I'm sick and tired of it. This collection account has cost me to lose funding for my home which I needed badly for me and my boys. This entire process has been tiresome and stressful. This is my last resort to get help with this account. My next steps are to file a lawsuit for the multiple violations that have been committed against me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-18

Cadwell, GA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Enhanced Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-18

Dulac, LA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validationof the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate inbringing legal action against you and your client for the following : Violation of the Fair Debt CollectionPractices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must ceaseand desist. Also, during this validation period, if any action is taken which could be considereddetrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-18

Northridge, 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

2019-07-17

Mesa, AZ

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

2019-07-17

Deerfield Bch, FL

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

2019-07-17

Ruskin, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-17

Chestertown, MD

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

2019-07-17

Skipperville, AL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX allowed Enhanced Recovery Company to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to XXXX and Enhanced Recovery Company stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any. My request was simple and of reasonable nature. On XX/XX/2019, I received a letter from XXXX stating the reporting of this debt was verified as accurate. I also received several random bills from Enhanced Recovery with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file. They is no history being reported which means that the information that's being reported in inaccurate and incomplete. Since XXXX has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports. Again, provide me with an original signed contract and a full accounting of his debt. I have attached the letter that I sent to XXXX and to Enhanced Recovery on XX/XX/2019.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-16

Camden, NJ

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

2019-07-16

Hampton, GA

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

2019-07-15

Baltimore, MD

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

2019-07-15

Augusta, GA

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

2019-07-15

Augusta, GA

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

2019-07-15

Vallejo, CA

Written notification about debt

Debt collection: I do not know

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

2019-07-14

Carlisle, MS

Incorrect information on your report

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

Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response