ERC

2015-04-30

NY

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I lived in South Carolina XXXX years ago and had XXXX cable. I paid my final bill and then never heard another word from them. Now, XXXX years later in another state that does n't even offer XXXX, I am getting hounded to pay a debt not only that I do not owe, but they are now reporting this debt on my credit report. I do not know how to make this stop or go away, Enhanced Recovery Services seems to have a habit of buying off bad debts and trying to collect on them. Please, please, please help me resolve this so I can buy the home of my dreams!!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-30

Horseheads, NY

Disclosure verification of debt

Debt collection: I do not know

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

2015-04-30

Wesley Chapel, FL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Enhanced Recovery located at XXXX XXXX XXXX, XXXX FL. XXXX states that a Debt from XXXX and XXXX XXXX. I never received any Debt Validation letter FDCPA XXXX - XXXX - XXXX XXXX, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Enhanced Recovery as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-29

Maiden Rock, WI

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-29

Lubbock, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2015-04-29

American Lake, WA

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-29

Spfd, OR

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-29

Henrico, 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

2015-04-29

Lynchburg, VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Enhanced Recovery Corp is reporting XXXX accounts on my credit report that do not belong to me. I have disputed these items several times. I have submitted fraud affidavits. In dealing with other companies I became aware that I must have been the victim of identity theft. A look-up of my names generates several different name and social security number combinations. I am requesting that Enhanced Recovery Corp delete accounts XXXX for {$1500.00} and XXXX for {$200.00} from my credit reports with all of the national credit reporting agencies. I would like this company to also cease all contact with me regarding these accounts that do not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-04-28

Houston, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-28

Austin, TX

Taking/threatening an illegal action

Debt collection: I do not know

Threatened arrest/jail if do not pay
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-28

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

2015-04-28

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 have sent XXXX debt validation letters to XXXX Corporation. They have failed to respond to my requests. I do not recognize this debt and I would like to see verification of my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-04-28

NY

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 the company ( Enhanced Recovery Co ) as well as my credit reports but they said that it was verified to be mine. IT IS NOT!! I never opened this and also it is falsely reported since this account was reported a few years ago by XXXX XXXX XXXX for XXXX XXXX and was removed from my reports after I disputed in XXXX ( I submitted proof of removal ) now that XXXX XXXX was bought out this company is trying to say I owe this XXXX account- I do not. I NEVER opened either.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-27

Schdy, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-27

Fresno, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-27

Watkins, CO

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Enhanced Recovery inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from Enhanced Recovery has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-04-27

Sebring, 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: Yes Timely Response

2015-04-27

TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: There is no debt. I received a letter from Enhanced Recovery Company , LLC ( in FL ). They claim I have XXXX XXXX XXXX debt, threaten to report me to national credit bureau, and offer a discount on debt if I pay within a month. I confirmed with XXXX there is no debt and they told me to disregard this notice. Per online research, this company has reported debts to the national credit bureaus, causing damage to individuals ' credit scores. They have my correct account number and name. Say if I do not dispute the validity of the debt with them, they will assume it is valid. I do not want to establish any contact with this company. I am reporting this scam here ( CFPB ) ( I was referred here by FTC when I tried to report the scam there. ) and state Attorney General 's Office. Also tried to report it as a scam to XXXX XXXX XXXX, they did not seem interested in taking the info. I do not want my credit damaged by this.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-27

Soddy Daisy, TN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have been monitoring my credit report and scores continuously for the last two years. I noticed in XX/XX/XXXX that XXXX accounts XXXX under ENHANCED RECOVERY COMPANY ( XXXX from XXXX XXXX XXXX and the other from XXXX XXXX ) were on all XXXX of my credit report in collection status. This has dramatically declined my credit, so I started to investigate these alleged accounts. They claim the first account XXXX XXXX XXXX XXXX ) was placed for collecton on XX/XX/XXXX. They claim the second account ( XXXX XXXX ) was placed for collection on XX/XX/XXXX. I have lived with relatives, and have NOT opened any cable/cellular accounts in over 7 years. So I started the dispute process with all the credit bureaus.I disputed in XX/XX/XXXX, no changes were made. I disputed again, I got the next results on XX/XX/XXXX, still ENHANCED RECOVERY COMPANY did not remove or validate these alleged accounts The only change made was the DATE UPDATED date was updated to the day they received the dispute. Next I started working with a credit repair company, they sent out another round of disputes, I recieved the dispute results on XX/XX/XXXX. Unfortunately, ENHANCED RECOVERY COMPANY still did not validate the accounts or remove them and no changes were made. Now I am taking it a step farther. I am sending a certified debt validation letter to their company, of which I will keep the receipt. I will also be attaching the debt validation letter, and also the copies of the dispute investigation results over the past few months. I have also contacted the XXXX and your organization as of now. Please assist me with this matter. Thank you for your time.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-27

Kansas City, MO

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: XXXX XXXX XXXX, sent my debt to collections. I did owe this money and paid it on XXXX XXXX, 2015 in the amount of {$950.00}. Debt was paid to directly to XXXX XXXX XXXX. Tracking # received from XXXX XXXX XXXX XXXX XXXX. I have called XXXX XXXX XXXX several times and they have not notified the Collection Agency to remove this from Credit Report. I have also contacted the Collection Agency, Address and Phone # below and they also have not taken action to clear this up on my Credit Report. Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX XXXX, Phone # XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-27

Upland, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-26

Foothill Ranch, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Company continues to negatively impact credit and violate both FDRA law and FCRA law while refusing to remove debt having XXXX nothing to do with me or agree to validate supposed debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-04-26

Bellaire, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I disputed an account on my credit report with Enhanced Recovery services, because they have not been able to provide me with specific account information and violated the my rights by ignoring requests for validation they agreed to remove the account from my credit report. They stated that they have submitted request to remove the account and in addition I have also disputed the account with the XXXX credit bureaus. After stating that they would remove the account, the account remained and was actually verified with the credit bureau. THIS IS ILLEGAL!! Enhanced recovery has not followed through with their remedy. i have attached a copy of the letter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-26

SC

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: The Debt was initially a XXXX debt from 2011. The debt was reporting owing {$980.00} due to equipment chargers. After contacting XXXX the amount was correct to reflect only {$310.00} owing for the past due bill. Unfortunately the debt was sold to Enhance Recovery. I called the company ( Enhance Recovery ) to settle the debt and ask If settling could have the debt removed. I was informed once the debt was settled I would receive a paid in full letter and ERC would report to the XXXX bureaus to have the information corrected/removed from my credit report. I did receive the Paid in full letter as stated, but my credit report was not updated to reflected paid in full or the derogatory information removed.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response