ERC

2016-01-06

Roxbury, NY

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

2016-01-06

KS

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Complaint: Account was previously deleted from credit reports. Then recently re-inserted. The account has also been re-aged. I was never notified
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-01-06

Brentwood, TN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received a letter from this company demanding payment for a debt that is not mine. This is the XXXX debt collector that has sent me a demand for payment concerning this alleged account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-01-06

Copper Center, AK

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I am getting numerous calls which my phone tells me is from XXXX WA. I get a recorded message that tell me it is about debt collection and it gives me XXXX phone numbers to call : XXXX and XXXX. It tells me to refer to case number XXXX. I know this is fictitious because I have no debts. I have not called the number because I think this is a scam. The incessant calls are annoying. I am supposed to be on the " do not call '' list.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-01-06

Jamaica, NY

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

2016-01-04

Navasota, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: No Timely Response

2016-01-03

Una, SC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: My social security number was stolen to open accounts in my name. The account from Enhanced Recovery resulted from ID Theft.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-01-02

Newnan, GA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: THERE ARE SEVERAL INCORRECT ITEAM LISTED ON MY REPORT WITH A FAMILY MEMBER NAME NOT MY OWN. I HAVE CONTACT CREDIT BREAU IM NOT GETTING ANY HELP. IM TRYING TO GET A HOME WITHIN THE NEXT 30 DAYS IN BY THIS INCORRECT INFORMATION BEING ON MY ACCCOUNT IS HOLDING ME BACK
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-01-01

Macomb, MI

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

2015-12-31

Philadelphia, PA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Enhanced Recovery Corporation are in violation of the FCRA.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: No Timely Response

2015-12-31

Philadelphia, PA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: On XXXX/XXXX/2015, I filed an dispute with Enhanced Recovery Company. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Enhanced Recovery Company. never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: No Timely Response

2015-12-30

Los Angeles, CA

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

2015-12-30

Newark, NJ

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: Yes Timely Response

2015-12-29

Phila, PA

Communication tactics

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

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

2015-12-29

Seattle, WA

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

2015-12-29

Discovery Bay, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I requested a debt validation on the alleged debt from XXXX XXXX XXXX of {$550.00} from ERC. I received a response from ERC with an XXXX XXXX XXXX bill dated XXXX XXXX. I contacted XXXX XXXX XXXX and they said the debt was in collections in XXXX! This debt was purchased by several collection agencies starting from XXXX on XXXX/XXXX/XXXX then to XXXX on XXXX/XXXX/XXXX, and then to ERC on XXXX, XXXX, XXXX. The original delinquency date on the account first became delinquent has changed several times by the XXXX collection agencies. Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the XXXX year time frame does not start over when an account is sold or transferred to a another lender or collection agency.The recent collection agency ERC reported that I just owed the debt in XXXX XXXX when it was originally in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-12-29

Dallas, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Called me about some debt collection, asked for someone I did n't know, harassing me for no reason. Calling from XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-12-28

LA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX acct approx. XXXX to XXXX. Several attempts with service problems unresolved with repairmen & {$60.00} modem/router XXXX said we needed to fix problems with my opposition stating that was not the problem. The modem/router did not fix the problem ; with multiple unresolved calls to XXXX to return and get reimbursed for the machine..they could not give me any info to send it to and would not remove the {$60.00} charge from my bill. I tried to return the machine to local XXXX store but they had no way to return it nor any info to help me return it either. I do not know what was wrong with XXXX about this issue. Wrote letter with no response..talked to different departments and supervisors without resolve. The last time the internet was out & reporting it for service once again ; the tech did not show up and XXXX had no records of appointment. I then told the agent to disconnect the service that was totally dead again. The acct should have stopped then with the bogus {$60.00} nonreturnable machine ... but att kept billing me and no resolve with the worthless machine. I still have the machine and packaging. I was shocked by this service from XXXX. I then went to comcast with a higher bill for service. I need a disclosure of verification of debt. Plus this debt has been reaged with 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: No Timely Response

2015-12-27

Norfolk, VA

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

2015-12-27

Foothill Ranch, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: ENHANCED RECOVERY CORP, was disputed and removed off all my credit report only to show back up with misleading information. This account with XXXX was opened up by another person using my information fraudulently.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-12-27

Philadelphia, PA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Enhanced Recovery Co LLC had placed this negative items on my credit reports without notifying me. I would like Enhanced Recovery Co LLC to provide a copy of the document for which they had notified me by mail that was addressed to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX before this negative mark was placed on my credit reports. Should this time sensitive document not be available, the trade line should be immediately deleted off the CRA. Enhanced Recovery Co LLC violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Lastly, it is disturbing that Enhanced Recovery Co LLC, placed this negative mark on my credit reports without notifying me by mail of my rights while I was disputing with XXXX in referrence to the same XXXX bill for {$1200.00}. XXXX collection company can not be collecting for the same debt, which it is in this case. I have enclosed copy of the document I received from XXXX dated XXXX/XXXX/2015, and Enhanced Recovery Co, LLC on my partial XXXX report dated XXXX/XXXX/2015 with Enhanced Recovery Co, LLC Date open XX/XX/2015.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-12-24

Newark, NJ

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: They call from various numbers. When I answer they hang up. Once when I did talk to someone I was told they would be filing a lawsuit against me. So I asked them to send me something in writing and the have yet to do so. But, I keep getting these calls with no one at the other end. Here are the numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-12-24

NC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I 'm showing on my credit report that I owe a balance to XXXX XXXX XXXX XXXX, but I never had phone service with this company. I do n't recall them notifying me about this situation. There is also no evidence to prove that I had service with this company. No billing statements or anything.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-12-23

Blackbird, DE

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had a XXXX account and the account was in barging with FTC which a complaint was submitted and responded to and so was the XXXX alerted and complaint was responded too. Which at that point due to sprint negligence with the FTC and XXXX this account needs to be removed. Documentation and proof is provided.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-12-22

Turlock, CA

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