ERC

2019-07-08

Hinkley, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Approximately in XX/XX/2018 my contract with XXXX had expired. All payments were made and i was no longer in need of starting a new contract. I advised XXXX to cancel all services. XXXX then sent an early cancellation fee to collections
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-08

Big Canoe, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-08

Quartzsite, AZ

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 explanation

Timely Response

2019-07-08

Big Canoe, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-06

30th Street Train Station, PA

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

2019-07-06

Fairfield, CA

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

2019-07-06

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-06

IL

Incorrect information on your report

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

Account information incorrect
Complaint: Enhanced Recovery Company collection for XXXX XXXX XXXX in the amount of {$100.00}. This account is years old. It was settled. It popped up on my credit report sometime after it was paid. I disputed it when I become aware of it and sent paperwork to confirm to XXXX. It was removed from my credit report for a period of time. I became aware that it was added back again when applying for credit and being denied. I again disputed and asked for dates, and payment history, which I never received. I have not received notice directly from Enhanced Recovery Company, it only keeps popping up on and off on my credit. It shows on my credit as if it was placed in collections on XX/XX/2018, even though I haven't had XXXX XXXX in more than 3 years, it was initially disputed prior to XX/XX/2018 and readded. The only other explanation is someone else fraudulently used my name because I have not had XXXX in years for any services. I have now been denied credit twice before of this false reporting. It is harassment. I have 24 credit accounts in excellent standing with credits of up to {$20000.00}. This one false negative reporting for {$100.00} has stopped me from getting credit. Enhanced Recovery Company placing this on my credit report without sending me notifications through mail, without providing an account history, it being removed more than once after being disputed to only show up again is harassment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-06

Spring Hill, FL

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Complaint: On XX/XX/2019 @ XXXX XXXX I received a call from ERC in XXXX Florida. They asked for my personal information without stating the name of their company or the fact that they were a collection agency. They asked for information without even stating the name of their company. Also they threatened me and harrassed me on the phone telling me they were going to file a lawsuit against me and their team of lawyers would take action against me before even telling me what the debt or call was even regarding. This company should be shut down due to their illegal collection practices.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-05

Tampa Palms, FL

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

2019-07-05

Stewart, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: We received a letter from ERC to collect in error a " balance with XXXX XXXX XXXX remains unpaid ''. XXXX XXXX XXXX worked out a final payment which was made over a year ago. Per XXXX XXXX XXXX and the Alabama Utilities Commission there is no balance due. Taking our valuable time to address this claim is causing harm to our household.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-05

Glendale, WI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-05

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but 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. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-04

Dulac, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-04

Clayton, MO

Incorrect information on your report

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

Information belongs to someone else
Complaint: The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 1 ) XXXX XXXX # XXXX 2 ) Enhanced Recovery Co # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-04

East Rockaway, NY

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

2019-07-03

Chatsworth, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-03

Dunnellon, FL

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: Enhanced Recovery Collection is reporting a debt on my credit report from XXXX. I do not have any contract with Enhanced Recovery Collection, I do not have any business with Enhanced Recovery Collection, nor have I ever done business with this company. My account is still active with XXXX in good standing. I have spoken with XXXX on many occasions since this account started reporting on my credit report. After speaking with XXXX I was told my account was never placed with a collection agency HENCE, I am a valued customer with 12 active business lines with XXXX. When calling to speak with Enhanced Recovery Collection they are very rude using profanity, hanging up the phone and threaten to garnish my wages. Attache you will find my monthly bill from XXXX showing this account was paid. However, XXXX does not have this account listed with a collection agency because this account is still open with XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-07-03

Corralitos, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-03

Orion Twp, MI

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I use XXXX XXXX for credit monitoring purposes and in XX/XX/2019 I discovered that a collection account was added to my report without my knowledge. I never received notification in the mail that the account was in collections nor was I given the ability to dispute the validity of the debt and I was not given the right to request information to verify the debt. Further, I never received a phone call/voicemail letting me know someone was trying to contact me regarding this account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-03

Shalimar, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: XXXX XXXX claims that I owe them money for their service from XX/XX/2018. I have never in my life subscribed to XXXX XXXX. And I have had and maintain XXXX XXXX service at XXXX XXXX XXXX XXXX, FL. The debt is now with a collection agency called ERC and ruining my credit. I have tried to resolve it via disputes online to no avail. THIS IS NOT MY DEBT AND I WILL NOT PAY IT I have identity theft with the IRS as well and companies have breached my information. This is beyond wrong. Where was this service located?? Again, I have never owned a XXXX satellite or received their services nor anyone else in my home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-03

Taft, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Enhanced Recovery Co has reported an account to the credit bureaus that does not belong to me. The never contacted me or sent me any kind of letter regarding the matter. The account is for {$320.00} and it does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-02

Val Verde, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: there is a debt showing on my credit report for XXXX from a company i have no knowledge of and have no written or call consent for that charge
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-02

San Antonio, TX

Communication tactics

Debt collection: Other debt

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

Timely Response

2019-07-02

Val Verde, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: there is a debt showing on my credit report for XXXX from a company i have no knowledge of and have no written or call consent for that charge
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response