ERC

2016-05-18

Flint, CA

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

2016-05-17

Droop, WV

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

2016-05-17

San Francisco, 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 with non-monetary relief

Disputed: No Timely Response

2016-05-17

Charlotte, NC

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: ERC collection services, sent a collection notice to my parent 's address. I believe this was an attempt to avoid the mandatory validation period. My current address has been the same for 6 years and it can be verified on my credit reports. My mother just sent forward this notice to me on XXXX XXXX, 2016. This letter was sent to my parent 's house on XXXX XXXX, 2016. This was an obvious attempt to circumnavigate the validation process, by sending it to my parent 's address. Derogatory marks concerning this notice has appeared on my credit report. This is in violation of the Fair Debt Practices Act, because I never had an opportunity to seek debt validation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-17

GA

Taking/threatening an illegal action

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

Threatened arrest/jail if do not pay
Complaint: I have been cursed and threatened by the agents with this collection agency and this has been investigated twice before and been removed from my credit report and I am tired of the harassing phone calls and annoying letters from a debt that I do not owe.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-16

Orchard Mines, IL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-16

Fort Worth, 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

2016-05-15

Santa Ana, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have talked to the first collection agency XXXX XXXX XXXX about this same debt and I have sent proof and documents that this account does not belong to me and its is not me debt, and they have since remove the account. Now I see on my credit report that another collection agency Enhanced Recovery Company or ( ERC ) sent me a notice in the mail on XXXX XXXX 2016 stating that I owe this debt. I am sending a letter along with this complaint to the CFPB and the FTC to say that this debt is not my debt and I never authorized any debt from XXXX nor ERC. This letter to ( ERC ) in response to an unauthorized traded on my Credit Reports. Be advised, this is a refusal to pay, because I never authorized or open any trade with your company or the original creditor, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I am starting to notice the deceptive practices that these collection agencies continue to mislead and deceive consumers and how nothing is being do n't to stop it. This is a violation of my rights under the FCRA and needs to stop.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-05-14

Long Beach, CA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: Enhanced Recovery Corp. has bought a debt from XXXX XXXX. XXXX has reviewed my ID Theft Report and has seen I was a victim of Identity theft. XXXX XXXX. removed the account from my credit. Enhanced Recovery continues to report the account as mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-14

Portland, OR

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Please have this removed from my account. the date i am showing it was opened is XXXX 2016 Balance : {$1200.00} Collection / Charge-off Open Account Negative Account As of : XXXX XXXX, 2016 Account Details Payment History Contact Info Account Number : XXXX Account Type : Collection Account Amount Past Due : -- Scheduled Payment : -- Owner : Individual Opened Date : XXXX XXXX, 2016 Original Balance : {$1200.00} Original Creditor : XXXX XXXX Creditor Type : Account in Dispute No that is all the info showing on my credit report. I was not with XXXX in 2016. I have been with XXXX since XX/XX/2016 and before that was an a friends account with XXXX. I believe this to be incorrect information and not something i should have effecting my credit report. please have this reviewed and please remove from my account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-13

MI

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: I have noticed that Enhanced Recovery Corp has inserted a collection item on my XXXX credit report. It has an opened date of XXXX XXXX, 2016 and a last reported date of XXXX XXXX, 2016. I have never received any communication, written or otherwise, from this alleged creditor and have not received notice of my right to dispute. Their failure to send dunning notice within the 5 day period set forth in FDCPA 809 ( a ) is a violation of that section. I do not know this company, I do not believe I owe them anything, I dispute their claim on my credit report, and I demand that they stop all collection activity pursuant to the FDCPA, including illegally furnishing information to the credit bureaus. I have never agreed to do business with them, and they are not mentioned on any contract I 've ever signed with anyone. I demand full validation from them, including : 1. A copy of a contract between Enhanced Recovery Corp and myself with my true signature on it, 2. A full accounting of the alleged debt and the dates these events occurred, 3. Proof of assignment or ownership and a full chain of assignment, including what they have paid for this alleged debt, 4. A copy of the contract between me and the original creditor with Enhanced Recovery Corp mentioned showing that they had some interest to protect, 5. Proof that the alleged debt is not outside the statute of limitations, and 6. Proof that they have my consent to slander me on my credit reports, which has to be in writing with my signature on it. Without this proof, they must remove all traces of their slander from my credit reports. Under NO circumstances do I authorize or give any consent to Enhanced Recovery Corp to furnish any information to my credit reports, nor to take any actions that would result in an inquiry on my credit reports from their company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-05-12

Lufkin, TX

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

2016-05-12

OR

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: In XX/XX/XXXX, I tried out a XXXX cell phone for a week, and returned it as per XXXX 's new customer agreement, and paid a {$35.00} return fee. In the next few months, I was called by this agency with a request for {$660.00} for the value of the phone and a month 's service. I explained the situation to them and called XXXX corporate and the store I got the phone at. The collection disappeared from my credit report, only to return XX/XX/XXXX as showing a month 's service, which I never had, having possessed the phone for one week only. I have tried to call XXXX corporate on three different occasions requesting a copy of said statement, and each time being assured one would be sent, but never having received a statement.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-12

Jacksonville, FL

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: Never had this service period
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-11

Sherman Oaks, CA

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-11

Gastonia, NC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have never been with XXXX. All my phones have always been through XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-09

Tempe, AZ

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 with non-monetary relief

Disputed: No Timely Response

2016-05-09

Scottsdale, AZ

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I received a collections letter from ERC that is collecting on behalf of XXXX XXXX. I was never in a contract with XXXX XXXX. I have not had their service for over 2 years and my account was paid in full when I had the service discontinued.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-09

Oxford, GA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-07

OH

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Account was not mine, It belonged to a spouse. ERC has never attempted to contact me in regards to this assumed debt. I have not be notified via any channel. Mail, phone or electronically. When I call them they are extremely rude and unwilling to work out a solution or have a civil conversation. Very one sided. The first delinquency of payment was XXXX XXXX statute of limitations is six years, leaving one remaining. I am appalled that such debt be left unannounced in attempt to collect from this company. In an attempt to refinance this has left a negative impact on my credit report. This company should not be allowed to continue collections unless a full scale investigation proves their ability to follow and maintain Federal guidelines. Along side professional courtesy.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-06

Scottsdale, AZ

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

2016-05-06

Matteson, IL

Communication tactics

Debt collection: I do not know

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

Disputed: No Timely Response

2016-05-06

South Florida, FL

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: I recently accessed my credit reports as i have been experiencing suspicious calls regarding accounts that I have not applied for and found this account that does not belong to me Since 2012 accounts have been opened fraudulently using my social security card and driving license which were compromised in 2012.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-05

Sierra Madre, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: In 2014, our family switched cellular services from XXXX XXXX XXXX to XXXX. XXXX offered a financial incentive to do so. We paid our bill in full with XXXX XXXX XXXX, but they initiated collection action. We provided them with proof of payment and they were supposed to stop but, instead, they have farmed the " debt '' out to a collection agency. The collection agency, Enhanced Recovery XXXX, has been provided proof of the debt, yet they will not remove the negative credit reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-05-05

Ridley Park, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: This company ( ERC XXXX XXXX XXXX, XXXX FL XXXX ) has threatened my credit rating, by assigning this debt to me without any proof, and no prior notice. This is not my debt. This is just an illegal attempt or scam to see if I would pay it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response