ERC

2015-06-08

Melbourne, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XXXX is trying to collect {$170.00} for a XXXX received that I purchased at XXXX XXXX. XXXX claims that I leased the receiver from them, however, XXXX and their agents have failed to substantiate their claim. They have ignored my written and verbal communication and continue to use harassment tactics to collect money on an unsubstantiated claim.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-08

CA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: placing that I have a debt from a discharged BK wich is false in order to damage my credit for a file already known as ID theft. They simply bought the debt from someone who had to remove it. There is no contact information for themHere is the link from consumers talking about these criminals XXXX XXXX XXXX XXXX & 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

2015-06-08

Miami, FL

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

2015-06-08

Staten Island, NY

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I sent a debt validation letter to this company on XXXX/XXXX/2015 and they ignored my request of validation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2015-06-08

Glendale, CO

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: In XX/XX/XXXX, upon reviewing my credit report ( s ), I was alerted that Enhanced Recovery Corporation had reported erroneous and negative information. I immediately sent a letter on XX/XX/XXXX requesting proof of debt under Fair Debt Collection Practices Act, 15 USC 1692g, Section 80b Validating Debts to include how the alleged amount was arrived at. After no response a month later, I sent another letter on XX/XX/XXXX and again XX/XX/XXXX. In that timeframe I disputed with the CRA 's to include XXXX, XXXX and XXXX. They returned with Enhanced Recovery confirmed alleged debt. That is impossible as they have neglected my direct requests for nearly 3 months. Finally on XX/XX/XXXX, I once again sent the request to Enhanced Recovery along with all the previous letters I sent. To this day, the erroneous and negative reporting continues to damage my credit. This is in direct violation of FDCPA and by Enhanced Recovery to continue reporting monthly is a form of collection activity which is not in compliance with FDCPA laws and they are once again in direct violation of those laws set forth to protect the consumer. I have exhausted my time and attempts to request they comply with law. It is now 8 months later and for 8 months they have continued to damage my credit.
Company Response: Company disputes the facts presented in the complaint Closed

Disputed: No Timely Response

2015-06-08

Brooklyn, NY

False statements or representation

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

Attempted to collect wrong amount
Complaint: To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-08

San Antonio, TX

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 received a collection letter from Enhanced ; for debt that had been deleted from my credit report in XXXX 2015 due to XXXX XXXX failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from Enhanced Recovery ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-08

Detroit, 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

2015-06-07

Sacramento, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I did not have XXXX in XXXX 2011
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-07

Arco, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I asked via certified letter on XXXX/XXXX/15 for a debt validation to Enhanced recovery co. for an alleged debt of {$200.00} that I owed originally to XXXX XXXX XXXX in 2012. XXXX months have past since my original request and I still did not received any proper documentation ( re : copy of last invoice from XXXX XXXX to my attention ) to support this debt. Without any response from them I subsequently reported them on XXXX XXXX, 2015 to the CFPB, Enhanced finally responded in writing on XXXX XXXX 2015 stipulating : '' Our agency request related documentation materials associated with the account from XXXX XXXX cable. Upon receipt of any materials from our client, our agency will forward the documentation to XXXX XXXX Address on file. " More than XXXX days have past since this letter and I 'm still waiting for the proper documentation validating this debt. They are however still reporting me monthly to the credit bureaus.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2015-06-06

Fort Worth, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2015-06-06

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 known to me. I recently requested my XXXX Credit reports to access my credit history in order to establish why my attempts to acquire credit results in a denial. I have always made it a duty to diligently address any issues before it became a collection and have not opened any new accounts in the past ( XXXX ) years. I request full validation from the crediting or reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-06-06

Santa Ysabel, CA

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

2015-06-06

Hinkley, CA

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: On XXXX XXXX, 2015, I found Enhanced Recovery listed on my credit report ( XXXX and XXXX Account Number per Credit Report : XXXX ). I have never been contacted by them, never received a dunning letter stating I had XXXX days to dispute ... nothing. I just found them on my credit reports. I immediately sent them a DV letter. It was mailed on XXXX XXXX, 2015 and received XXXX XXXX, 2015. ( Tracking number via XXXX XXXX, mailed to ENHANCED RECOVERY XXXX XXXX XXXX, FL XXXX ). On XXXX XXXX, I get an alert that Enhance was posted to my XXXX report. That right there, posting an account to a credit report while in dispute and not showing proof, is a violation. On XXXX XXXX, I disputed it with all XXXX CRA 's. Within XXXX hours, Enhanced verified the account with all XXXX CRA 's. Still till this day, XXXX XXXX, 2015, Enhanced has ignored my DV and has not responded to my DV but they continue to verify with all XXXX CRA 's. Huge violation! Enhanced has violated the FDCPA section 809. I want this account immediately removed from all CRA 's.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: No Timely Response

2015-06-05

Missouri City, TX

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-05

Kendall, FL

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

2015-06-05

Bayshore Gardens, FL

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

2015-06-05

NY

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I wrote XXXX debt validation letters to Enhanced Recovery and they failed to respond to be. They ignored my requests for validation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-05

Ft Myers, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Company can't verify or dispute the facts in the complaint Closed

Disputed: Yes Timely Response

2015-06-05

Green Bay, WI

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I had a phone for awhile they were charging for things I did n't want. They cut me off and popped up on my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-06-05

KS

False statements or representation

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

Attempted to collect wrong amount
Complaint: There is a collection company called Enhanced Recovery that put me in collections for a debt that i have already paid. Enhanced Recovery is committing fraud against me by trying to collect this debt. The collection i paid and this wrong collection is the same account but a different amount to try and scam me. My lawyer and I are proceeding with a law suit due to the harm this has caused me. It has prevented me from purchasing a home and has been ruining my credit score for months.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-04

Elizabeth, NJ

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 non-monetary relief

Disputed: No Timely Response

2015-06-04

Chattanooga, TN

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

2015-06-04

Elgin, IL

Cont'd attempts collect debt not owed

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

Debt was paid
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: No Timely Response

2015-06-04

Bremen, GA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: CFPB File XXXX was filed regarding unlawful collection practices by : Enhanced Recovery Company, LLCXXXX XXXX XXXX, Florida XXXXIn their response to the CFPB complaint, in an excerpt of the company 's representative response was as follows : " Additionally our agency has submitted a deletion request will all credit reporting agencies with the account and our office. The confirmation of this request is XXXX. '' This document is attached. However, as of this date ( XXXX XXXX, 2015 ), the credit reporting agencies continue to report this matter on my credit files. As there are XXXX Credit Reporting Agencies, and Enhanced Recovery Company gave only XXXX confirmation number in their response, it seems there is a willful and malicious attempt to deceive both the CFPB and myself. In order to remove the report from each of the XXXX credit reporting agencies, XXXX confirmation numbers would be required. These files can be removed immediately without delay by a company that wishes to remove them. The Credit Reporting Agencies simply report the information reported to them and are required by the FCRA to immediately remove any information as directed by the firm that files the erroneous, or wrong report. I am asking that the CFPB impose sanctions on Enhanced Recovery for their deceit in removing the file as they indicated in their correspondence regarding the above listed file.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed

Disputed: Yes Timely Response