ERC

2019-06-24

Bellevue, TX

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: On XX/XX/XXXX my account was cancelled at XXXX XXXX XXXX XXXX/XXXX. So say this is around the time that it should be 7 years from not ... XXXX XXXX as it says on my XXXX report . I called ERC whom is a third party collection agency and spoke with 3 people and left a voice mail for the so called President and was told that's just the way it is. Because of this I was denied a house I desperately needed next week. Thanks to ERC it's not going to happen now.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-24

Ocklawaha, FL

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

2019-06-24

Stillwater, OK

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

2019-06-24

Dunnellon, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly REMOVE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with ENHANCED RECOVERY COLLECTION I have never done business with this company. I am not liable for collection from this debt from ENHANCED RECOVERY COLLECTION. I am not responsible for this debt with ENHANCED RECOVERY COLLECTION. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-23

Brooklyn, NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2019 i received a notifications from XXXX, and XXXX that a new collections account was added by a collection agency call Enhanced Recovery Company in the amount of {$2100.00}. I have never been contacted by them, received a letter or anything. I contacted them and all they are just verbally saying us the debt is mine without any proof. I dont even owe this debt, they didnt send me any notice in the mail for validation and or verification that this debt is mine. I truly believe they dont have the right to report this information on my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-22

El Paso, TX

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

2019-06-21

Menasha, WI

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

2019-06-21

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

2019-06-21

Clayton, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: A collection company is trying to collect a debt about a XXXX charge over 10 years and claim it was in 2016, I havent had XXXX service for over 10 years also another collection company tried collecting saying I owed {$110.00}, I switch from XXXX to XXXX when they were brought out by XXXX which the bill would have transferred, I also explained that the bill was always a month ahead and my bill was {$56.00}, and XXXX would turn your phone off after 30 days, so the phone was switched and the bill was already a month ahead. This is showing on XXXX tried talking/ phoning language barriers. I guess they call this ghost debt. Thank You, again check my report 9 years ago/ longer.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-21

Douglasville, GA

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

2019-06-20

Columbia, SC

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

2019-06-20

NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I only have a single negative mark on my credit reports from a Florida debt collection agency. Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. Or, XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX They are claiming I owe XXXX {$200.00} for an unpaid phone bill. I've never had a contract with XXXX, only a prepaid account a few years ago. I filed a dispute with the credit agencies in XXXX of 2019 ( See attachment 2 ) and had this fraudulent collection account removed. However, Enhanced Recovery has refiled a new collection account with a new account number in XXXX of 2019 for the same amount, {$200.00}. Unbelievable that a company can make this claim, fraudulently, then do it again a few months later. I do have an attorney friend from college that works for the state of Florida in XXXX that I will be contacting to file charges against them, but in the meantime wanted to file this report publicly. Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-20

El Paso, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I am getting phone calls during my work hours to my work from this company ERC. I would be glad to return their phone call if they call my cell phone and leave a voicemail. I dont know how they found my place of employment as I never gave them this contact information of authorization to call me there. They keep calling me to my place of employment and I totally disallow this. They provided a reference # XXXX. The contact number they provided is XXXX and company is ERC. It looks like their website is www.ercbpo.com and guy that called me is XXXX ( did not leave last name ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-19

Jacksonville, FL

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

2019-06-19

Yuma, 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

2019-06-19

FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX : Account # XXXX ; 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 XXXX. 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

2019-06-18

Margate, 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

2019-06-18

Warrenton, VA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I have been contacted by ERC multiple times sinceXX/XX/2019, each time I haven't anwser the phone and no message have been left. On XX/XX/XXXX, after the third call I looked up the phone number and found out it was ERC, I filed a complaint with the XXXX asking for my number to blisted on their internal DNC list. on XX/XX/XXXX I recieved a leeter from letter from ERC 's counsel through the XXXX complaint center stating they would place me on thier DNC list. since then I have been contacted at work on the XXXX and today the XXXX from the same number and voice message left stating why and who their trying to call. the XXXX complaint number is XXXX. ERC has been contacted to not contact me through the phone and have continued to do so after stating they wouldn't. Also, as far as I know I owe no debts so I have no clue why they are calling.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-18

FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Complaint: I had a disputed debt with XXXX XXXX about 7 or 8 years ago. They charged me twice for a cell phone and I could not get the company to fix the problem. ERC told me that if I paid them half the amount claimed that they would fix my credit report to show the debt had been satisfied. I paid the money to ERC because they said it was too late to settle with XXXX. The payment was made to ERC about two years ago and then I got a collection letter from them and phone calls were made incessantly to me and they would not listen to reason. The company are extortionists threatening to ruin your credit and then doing just that even when you pay.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-17

Sugar Land, 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

2019-06-17

Glenn Heights, TX

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

2019-06-17

Dallas, TX

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

2019-06-17

Tampa, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: ENHANCED RECOVERY COMPANY IS IN VIOLATION OF THE FCRA. THEY HAVE AN ACCOUNT ON MY XXXX CREDIT REPORT THAT IA NOT MINE AND DOES NOT BELONG TO ME.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-17

Plymouth, FL

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
Complaint: XXXX reporting the following Bureau Name ENHANCED RECOVERY COMPAN Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 10 Months Credit Limit Not Reported Highest Balance {$220.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. This account has been closed since well over 7 years ago and amount was disputed back then as XXXX charged a " cancellation fee '' that was not valid. This collection agency obviously bought this and is now trying to collect. Age of account is incorrect.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-06-17

Bedford, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX is reporting false information regarding an alleged account they claim I gave permission to set up. The Customer Name listed at the top of the Service Agreement is not how I spell my name. This Service Agreement was signed on XX/XX/XXXX, however the signature on this Service Agreement is not my signature. This is not a valid contract. I did NOT sign this document. It was signed fraudulently. I never gave permission to open this account, nor requested an account be setup with XXXX. Consequently, this account has been sent to Enhanced Recovery Company for collection. Please see the attached letter dated XX/XX/XXXX from ERC regarding the XXXX Account XXXX. This negative reporting will hurt my credit score and I do not want this item to be falsely reported on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response