ERC

2015-06-12

Alden Manor, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

2015-06-12

Key Biscayne, FL

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

2015-06-12

Ft Lauderdale, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: While reviewing my credit report a few months ago, I noted an inaccurate report from Enhanced Recovery Corporation account # XXXX with original creditor XXXX. I contacted the creditor by phone and informed them that I have never opened an account with reported creditor on XX/XX/2014. They asked me to send them a dispute letter in writing and I did. Up until today, I have not received a response from them and the account is still showing in my report negatively. can you please help investigate this issue. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-12

Las Vegas, NV

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Payment was made to the original creditor in an agreement letter for a lesser amount than owed. Creditor agreed to terms and cashed check ( electronic debit ) from my checking account. Letter stating this, and all supporting documents were sent to all XXXX credit bureaus for removal. Collection agency who purchased account from a third party refuses to remove information from my credit reports XXXX and XXXX credit bureaus have stated this erroneous information has been verified by this third party collector. Collection agency states they purchased this account from another collection agency. My understanding is they are in violation of FDCPA Sec. XXXX ( a ) and they have used false representation and deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The original creditor agreed to remove the item in exchange for payment and any adverse information, and then failed to follow through with removal ; they are in violation of FDCPA by using deception. Collection agency also stated they are contracted by the original creditor which is false, once again deception ; this collection agency has no contract with me, and has never sent me any prior information of this debt. I ask that this derogatory information be removed from all " XXXX '' of my credit reports. Thanks for your attention to this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-11

Rock Cave, WV

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-06-11

Addicks Barker, 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

Disputed: No Timely Response

2015-06-11

Hillside, NJ

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: Yes Timely Response

2015-06-11

Ft Lauderdale, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: THIS ACCOUNT DOES NOT BELONG TO ME. I TOOK OWNERSHIP OF MY LEASED PROPERTY IN XXXX XXXX AND SIGNED CONTRACT FOR UTILITIES WITH XXXX UNTIL XXXX XXXX WHEN I COMMENCED SERVICE WITH XXXX FOR INTERNET AND CABLE PACKAGE. I HAVE HAD A XXXX ACCOUNT SINCE XXXX OR BETWEEN XXXX AND XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-11

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Amount : $ XXXXThis letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. This is the XXXX time that this company had listed a debt in my name and I believe they are playing a fraud game and I wish bring a suit against this corporation. I have previously disputed their entries, yt every 6-7 months, they re-appear attempting to collect money that is not rightfully theirs ; a debt that is not mine. Something must be done about this company. The internet is full of stories of this company sending out debt letters to people where the money does not belong to them or their identities have been stolen. I need to know how to I file a harassment claim against these unscrupulous collection agents! Am I going to be going through this for the rest of my life with this company? SOMETHING MUST BE DONE ABOUT THEM!
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-11

Ft Lauderdale, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: THIS DEBT IS NOT OWNED BY ME. I HAVE BEEN A CLIENT OF XXXX SINCE XX/XX/XXXX AND HAVE THE SAME PHONE NUMBER REGISTERED WITH XXXX. I WOULD NEVER CONTRACT TO XXXX AS I DISLIKE THE SERVICE AND HAVE NOT FORGOTTEN MY XXXX EXPERIENCE WITH THAT COMPANY IN XX/XX/XXXX. PLEASE PROVIDE FULL VALIDATION FOR THIS ACCOUNT ; SIGNED CONTRACTUAL AGREEMENT ; WHERE THE ACCOUNT WAS OPENDED ; HOW IT WAS OPENED ; HOW THE SERVICE CHARGES WAS PAID ETC.,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-10

Melbourne, FL

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: Yes Timely Response

2015-06-10

Middleboro, MA

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

2015-06-10

New Rochelle, NY

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company disputes the facts presented in the complaint Closed with non-monetary relief

Disputed: No Timely Response

2015-06-10

Clementwood, VT

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

2015-06-10

MN

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I am a victim of identity theft and someone stole my identity and used my personal information to open up an account with XXXX XXXX for cable and high speed internet service. I do not owe XXXX XXXX a debt of {$120.00}. The account or debt do not belong to me. I have been phone calls repeatedly from XXXX debt collectors who have harassed, verbally abused and threaten me with wage garnishment and arrest if I do not pay the debt. XXXX XXXX is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-06-10

FL

False statements or representation

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

Attempted to collect wrong amount
Complaint: In the year of 2013, I contracted XXXX as my cell phone provider with XXXX phone lines. As time went out I realized that XXXX had not a good cellphone coverage where I live, I contacted customer support and was given the run around, they told me that I could cancel. Never told me that I had to pay for the cancellation of the lines. Next thing you know, I started getting harassing calls from Debt Collector trying to collect {$1500.00} for cancellation. The caller gave me a settlement for $ XXXX put me on a payment plan that everytime I would get paid the money would be taken out in which I agreed. after paying the {$1000.00} I noticed that they continued to take out an extra {$200.00}. I called and asked them why, and they said that since I did n't pay the account in one month the settlement would have been cancelled- they failed at telling me this. Now I have a balance of {$350.00} and sent me to collections which has affected my credit- they lied to me so for a {$1500.00} I paid {$1200.00} which was {$200.00} over our agreement and now I 'm in collections! Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-10

Chilhowee, MO

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

2015-06-10

El Paso, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: On XXXX XXXX, 2015 I submitted a complaint through your office against Enhanced Recovery LLC for a collection of a XXXX account placed in my credit record under the name of XXXX XXXX in an address in North Carolina ( See CFPB Case number XXXX and XXXX ). Enhanced Recovery LLC responded the dispute on XXXX XXXX 2015 alleging:1 ) Investigation of my dispute was been completed2 ) that my social security was associated with the account and that cable services were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ( I have never been in North Carolina ) 3 ) that the account with Enhanced Recovery has been closed due to my dispute4 ) that a deletion request to ALL reporting agencies was submitted. However, as of today, Enhanced Recovery LLC has not been able to provide me with evidence such as copies of contracts or documents confirming that I contracted with XXXX in North Carolina. Also, I never received any letter stating that an investigation of my dispute was completed. In addition, Enhanced Recovery LLC never closed my account. As of today, a collection report remains in my credit record. I request Enhanced Recovery LLC to validate this alleged debt by providing evidence, such as contract or any document with my signature proving that I contract services with XXXX in North Carolina. Also I further request this collection company to contact all XXXX credit agencies and inform I am disputing this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2015-06-10

Blackbird, DE

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: My sister 's name is XXXX XXXX. I am XXXX XXXX. Some of her collections have shown up on my report. I pointed this out clearly to Enhanced collection agency through my disputes with the credit bureaus. They left it on my file. This is a willful violation of the Fair Credit Reporting Act Section 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-10

NY

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I never received right to dispute or demand letter. i found out i had this debt from my credit report, I sent a letter to them demanding verification to no result.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-06-09

Monterey Park, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2015-06-09

Jackson, WY

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

2015-06-09

Bogalusa, LA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I am a Vet who receives XXXX XXXX XXXX. The VA pays 100 % of my treatment to hospital 's, I have XXXX services provided when I am in need of. The hospitals agree to except payment in full from the VA when payments are submitted. Outside collection agency, Enhance Recovery Company, LLC phone # XXXX XXXX
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2015-06-09

Hamburg, MN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have sent letters to Enhanced Recovery requesting proof that the debt they are reporting on my credit reports is mine. They have failed to respond to any of them. They have also verified the trade lines when disputed with the credit reporting agencies. Verifying inaccurate information is a violation of the law.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2015-06-08

Moorpark, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: Yes Timely Response