ERC

2019-07-14

Oakland, 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

2019-07-13

Gardena, 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

2019-07-13

GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: In XXXX of 2019 I purchased a phone from XXXX on that same day they allowed someone to purchase a second phone in my name I called XXXX corporate office and the store where he phone was purchased they asked for a police report I gave them that I also contacted XXXX and sent them the police report still nothing. This action is preventing me from moving forward with my plans because its on my credit now
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-12

MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was contacted by ERC debt collection regarding an alleged unpaid account with " XXXX XXXX XXXX XXXX '' ( per " Enclosure1.pdf '' ). I do not believe I had ever maintained the alleged account, and I replied in writing to request documentation showing that I was responsible for the debt ( per " Enclosure2.pdf '' ). On XX/XX/2019, ERC acknowledged receipt of my reply. ERC stated that it was unable to provide documentation around the account, would cease collection activity, and would request that the account be deleted from any consumer credit reporting files ( per " Enclosure3.pdf '' ). This never occurred and, as of XX/XX/2019, the account is still listed as in collections on my credit report with XXXX ( per " Enclosure4.pdf '' ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-12

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had service with XXXX XXXX a few years ago. We decided to go with another compan XXXX XXXX which is now spectrum. Myself and My adult daughter took all the equipment to the store at Located in : XXXX Mall Address : XXXX XXXX XXXX, XXXX, OH XXXX Which has now since closed. All the equipment was returned as it was not longer needed. Now something shows up on my credit report almost 4 years later stating I owe this. I do not owe this, all items were turned in. I did a dispute with the credit reporting agency and it came back the company stated I owed this debt. I have contacted XXXX XXXX directly and of course no one can help me. The store is now closed, but this is not a valid collection. I returned everything to the store directly with a witness.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-12

Burke, VA

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

2019-07-12

Dayton, OH

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

2019-07-12

Arlington, TX

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

2019-07-11

IN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX ( Cable/Cellular ) has passed a debt on for collection to Enhanced Recovery Company, XXXX XXXX XXXX, XXXX, FL XXXX in the amount of {$820.00} on XXXX/XXXX/2017. I was never informed of any debt and I would like this cleared off of my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-11

Portsmouth, VA

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

2019-07-11

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This letter is to file a complaint after several writting to this collection agency nothing was resolve I never in my life have spring service now im getting bill for {$1400.00} for spring and this collection company it was report to all my credit I even called the collection company to send me prove that when was this account was open no prove was sent to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-11

Glendale, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have tried to contact the original company which is XXXX XXXX XXXX at the ( XXXX ) XXXX ; pin XXXX, extension XXXX office of XXXX but I can get thru also contact at email ; XXXX they didn't response to request a letter explaining the {$1400.00} debt. which we state we had canceled the service on or about XXXX of 2013 with no success we keep receiving a bill requesting payment for current month as well as previous month. However we have paid already the balance is zero. The collection agency is not doing anything about it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-11

Long Island City, NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have this phone company XXXX they are giving me a collection that I owe them money and which I dont I paid off it was like seven years ago and I am dispute like two times but it didnt work so Im complaining about that I dont owe any money for thatAnd before that they called me a couple times I was trying to explain to them and approve them that I paid off it didnt work also
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-11

Waterbury, CT

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 non-monetary relief

Timely Response

2019-07-11

CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: They did not contact me for many years after initial complaint. I had filed a complaint 5 years ago as they threatened me the same way, with a debt that they can not prove or that they did not send me the requested information about the debt they say I owed. XXXX has sold this debt many times, but they have never proved the debt is mine, or sent me requested documentations regarding the debt, which I do not owe. Time and again whenever the sell the debt to a collection the new company sends out the threatening letter to hurt my credit or sue me, this company just threatened to report the debt to a credit agency, and threatened to damage my credit. The debt is not mine, I have not had any contact, other than the collection and have not had an account with XXXX since 2009.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-11

Wallace, NC

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

2019-07-10

Country Club Hills, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XX/XX/XXXX I went on XXXX XXXX and noticed my score had gone down, went to check out why and seen something from XXXX XXXX and enhanced recovery company ... I also seen that it had come from XXXX and XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I didnt have neither one before, I called and it the rep said it had come from an address Im XXXX XXXX, Florida I have never lived in Florida ever ... .I have also never had XXXX XXXX nor XXXX XXXX ... I need this taken off because it if affecting my credit score ... This is obviously identify theft and fraud..I have never received bills from here which proves that is was not done by me, I havent received any notifications ... if it was not for me checking my score I wouldnt have known nothing of this
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-10

Greenwood, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Enhanced Recovery is reporting a paid collection acct on my credit report for {$130.00}. I have not worked with this company nor do I have any collection acct with them. This information needs to be deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-10

Mount Holly, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This account # XXXX is a account that isnt mine. I have know acknowledgement of this account and I have NOT OPENED ANY ACCOUNT IN XX/XX/2019 so you are reporting a inaccurate account on the wrong credit file and I have sent mail to this company to get Method of validation of this account and no response I have filed a police report and also a ftc report in regrade to this account and none of the information listed across al three boreds is accurate and list inconsistent and this needs to be removed off my credit file NOW
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-09

Dayton, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/XXXX I cancelled my account with XXXX wireless. On XX/XX/XXXX I received an email from XXXX regarding my remaining balance {$1400.00} ( see attached # 3 ). On XX/XX/XXXX I communicated with XXXX via their online chat system ( see attached # 3 ) and asked if I would be allowed to return the phones, and was told I could return the phones to a XXXX store for credit to my account. On XX/XX/XXXX I returned 3 phones to the XXXX store and I called XXXX as directed to verify the return was credited ; I was told only 2 phones showed as returned in their system. I provided XXXX with the receipt number for verification and was told they would have to do an investigation into the credit for the 3rd phone. I was also informed that I would still be responsible for paying the {$1400.00} because I terminated my contract early. I informed them I would be able to make a partial payment of {$1000.00} as soon as I received the prepaid refund card from my new wireless provider, which could take up to 60 days to receive. I was told as long as monthly payments were made my account would remain in good standing and would not be sent to a collection agency. On XX/XX/XXXX I paid {$400.00} to XXXX via their online system ( which is shown in the bills sent by ERC ) and on XX/XX/XXXX I paid XXXX {$1000.00} via telephone confirmation # XXXX ( also see attached # 3 ), and was told my remaining account balance of {$38.00} for the 3rd phone would remain in Sprints collection dept until refund was credited to account for the 3rd phone. I was assured the account would not be sent to a collection agency. In XX/XX/XXXX and XX/XX/XXXX I called to check the status of the investigation and was told I only owed for the wireless charging pad that I had financed for a total of {$57.00}. I paid the {$57.00} during that call for the charging pad and I was told that payment satisfied the remaining balance on my account. In total I paid {$1500.00}, which was {$19.00} more than the total amount I was told I originally owed. I did not receive any further bills/notices from XXXX after the payment I made on XX/XX/XXXX except for the {$1000.00} payment confirmation email I received on XX/XX/XXXX ( see attached # 2 ). In XX/XX/XXXX I received a collection notice from XXXX XXXX for {$600.00}. On XX/XX/XXXX I disputed the collection via CFPB and on XX/XX/XXXX XXXX XXXX deleted the collection account from my credit reports and stopped collection activity. However, on XX/XX/XXXX XXXX XXXX XXXXransferred the account to Enhanced Recovery Company , LLC ( ERC ). ERC began reporting this debt as a collection account in the amount of {$600.00} on my credit reports on XX/XX/XXXX. XXXX XXXX had no right to transfer/sell the debt to ERC because the debt is not valid, they were not able to validate or substantiate the debt, and they admitted such when they responded to my complaint against them. I am again disputing this debt, with ERC. ERC is also reporting two different addresses as theirs on my credit reports. On XX/XX/XXXX I submitted a compliant via CFPB regarding ERC 's attempts to collect the invalid debt from me. I had never received a notice/bill from ERC, and I also never received any phone calls regarding the invalid debt. I was notified via my credit monitoring service that ERC had reported the invalid debt on my credit reports in XX/XX/XXXX. After submitting my compliant to CFPB, ERC sent me several bills ( see attched # 1 ) and 2 lease agreements from XXXX. However, the documentation does not verify/validate the debt. It also does not reference the payment I made on XX/XX/XXXX in the amount of {$1000.00}. ERC submitted a response to my complaint with CFPB claiming their documentation validates the debt but it does not. The bills reflect accurate accounting until the bills marked " Bill Period : XXXX XXXX, XXXX '' and " Bill Period : Jul XX/XX/XXXX. '' The bill marked " Bill Period : XXXX XXXX, XXXX '' reflects a total amount owed {$2100.00} and states on pg. XXXX of 6 that the purchase option amounts of {$890.00} and {$590.00} XXXX {$1400.00} XXXX would be credited to my account once the devices were returned in good working condition. The devices had already been returned in excellent working condition in XX/XX/XXXX and the amount was deducted from the total amount owed on the final bill provided by ERC/XXXX. However, in the documentation provided by ERC/XXXX, an additional amount of {$600.00} was being claimed by XXXX on the bill marked " Bill Period : XXXX XXXX XXXX. ". This amount is inaccurate and does not reflect the amount shown on the previous bill or in the emailed bill I received on XX/XX/XXXX ( see attched # 3 ). The total amount owed, {$2100.00} minus the total amount due for the remaining monthly lease payments and purchase option price in the amount of {$1400.00} XXXX credited after the phones were returned ), should have resulted in a difference of {$620.00}. Once my payments of {$1000.00} on XX/XX/XXXX and {$32.00} on XX/XX/XXXX were applied I would have over paid XXXX by {$440.00}. ERC also claimed in their response that they mailed documentation to me on XX/XX/XXXX ; however, the only documentation they ever sent was on XX/XX/XXXX which was their response to my CFPB complaint. ERC also claims that on XX/XX/XXXX XXXX attempted to collect a payment of {$620.00} from me that was declined which is false. XXXX attempted to charge my bank account on XX/XX/XXXX in the amount of {$1600.00} and it was declined by my bank as a fraudulent charge ( see attched # XXXX XXXX. ERC claims XXXX wrote off the account on XX/XX/XXXX ; however, the final bill provided by ERC/XXXX shows they accepted a payment from me on XX/XX/XXXX and there is no mention of the account being written off/charged off. Finally, ERC claims the total amount due reflects all charges and fees through the port-out date of XX/XX/XXXX. This proves my payment amounts were after the cancellation date. ERC and XXXX did not provide any documentation that reflects my payment on XX/XX/XXXX. And the amounts shown on the final bill provided by ERC/Sprint show an inaccurate amount. My account was never delinquent with XXXX and they continued to accept payments from me after XX/XX/XXXX, which is the delinquency date being reported on my credit reports. I do not owe the {$600.00} or any other amount to XXXX or ERC because my debt to XXXX was paid in full in XX/XX/XXXX. In addition, I do not owe ERC for the invalid debt. Also, XXXX no longer owns the account as ERC claimed in their response because it was written off/charged off by them in XX/XX/XXXX according to ERC. ERC is attempting to collect an invalid debt from me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-09

Queens, NY

Incorrect information on your report

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

Account information incorrect
Complaint: I paid a collection that I had with Enhanced Recovery in XX/XX/XXXX and it is reflecting on my credit report as a Collection still in XXXX. There has not even been a status update of PAID on the credit report. I am trying to build my credit and this negative that is reporting on my report is hindering my scores and my ability to do other business. The account in question is ENHANCED RECOVERY a/c # XXXX reporting as a collection on XXXX only in the amount of {$360.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-09

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I dont have an account a contract with Enhanced Recovery nor XXXX XXXX. They are calling relatives and disclosing my personal information to third parties. This is also on my credit report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-09

Inman, SC

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

2019-07-09

Fresno, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2019 my XXXX and XXXX Accounts were both flagged as collection from the company of Enhanced Recovery Collections. I attempted to dispute this collection on the XXXX of XXXX. On the XXXX of XXXX my dispute came back at validation of debt. I called ERC to settle the account ( which is not mine ) for {$290.00} to get it off of my reports. They were rude and very unprofessional.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-09

Glendale, CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This debt was originally with a different company. I provided a police report proving identity theft. Now the debt is transferred to new company. This is unethical and I feel should be agent the law,. I provided prof and this is not my phone. My purse was stolen with ID ans social security cards back in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response