ERC

2015-04-13

Davie, FL

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

2015-04-13

VA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: The debt being reported on my credit report is a corporate debt. My name is XXXX XXXX XXXX, I once owned a XXXX with a separate tax ID known as XXXX XXXX XXXX, XXXX. I opened a XXXX account in the corporations name, with NO PERSONAL GUARANTY. I did not provide my personal information. XXXX had tried through several collection companies to collect this debt against the company that I no longer own and was out of business years ago. This new company, ERC Collections, is reporting it on my PERSONAL credit file as a delinquent account collection. This has caused XXXX account to be closed already, and several to be placed under review and I was declined for something as well. ERC Collections can see the Tax ID on file, and STILL reports on my credit file. I have disputed with ALL of the credit bureaus but ERC Collections STILL says it is my debt. I have verified with XXXX this was a BUSINESS account in a corporate name with NO PERSONAL SSN OR GUARANTY ON FILE, only the business credit Tax ID. I have given all of this to ERC yet they STILL have not removed it.XXXXNot to mention when I first got the letter from them I called the very next day and disputed as well as sent a letter advising the valididty of this debt was disputed and listed the reasons why. Yet without verifying or reaching back out to me, they simply reported it to my credit report as if I had not dispouted it at all.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-13

Amarillo, TX

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-13

Birmingham, AL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Enhanced recovery placed a new collection account on my credit report. The original account was settled thrust XXXX on XXXX. XXXX telephone number is XXXX address XXXX XXXX XXXX XXXX Nebraska XXXX. Per my credit report the file states closed and paid with a, XXXX balance
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-13

Cheverly, MD

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: When I was moving from XXXX to XXXX, I packed up the XXXX boxes, Once I moved in my new house, I called them and they sent me boxes to return the equipment. They received the equipment and never removed this from my credit report. They have used several agencies to collect money from me when I sent back all of their equipment. This is fraud and no one would listen to me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-12

Liverpool, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Enhanced Recovery Company submitted a collection on all XXXX of my credit reports stating I owe {$670.00} from a XXXX Cable/Cellular bill. I knew I did n't owe XXXX anything and called them to verify and they verified I was all clear of any debt. They were not aware of sending anything to ERC as a collection on my account. I have called ERC and they could n't find anything on me with what information I was giving them. Which proves its not me that the debt belongs to. I have disputed it with all credit bureaus and have not heard of anything. I have since applied for credit and have been denied due to Severe delinquency and debt collection on my credit reports. I have always had good payment history never late on my bills. This is affecting my credit score and is becoming a big nucense. I have read other customer complaints dealing with this same issue and it looks like it could be a scam. I am not getting anywhere with the credit bureaus and need this removed from my credit reports. Please help.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-12

Okc, OK

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received a letter from the " Enhanced Recovery Company '', claiming that I owe XXXX XXXX XXXX {$110.00} this past XXXX. I was unsure of the legitimacy of the company which is the reason I have avoided direct contact with them. However, I recently viewed that this debt is affecting my credit as an open collections I owe. I have paid off all of my remaining balance with XXXX XXXX XXXX for internet charges back in Florida. I have also made a new account with XXXX XXXX XXXX for TV and internet since last XXXX and have made all my payments on time. They have never XXXX informed me of an old existing account that I still owed money for. Nor have they ever denied me as a customer for still owing a debt. I honestly believe XXXX XXXX XXXX would have easily found this debt of mine, if it was legitimate, as my full name would be on XXXX accounts. This is the reason I am claiming this debt to be completely false.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-12

FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: My wife and I were never able to see our credit scores, for years we would try to check them and we were told that we must have had the wrong information because the information that we provided was not linked to anyone 's credit. Since it was XXXX of us having the issue, bankers usually just concluded that it was because we were young and had never really built our credit so it must just be that we had no credit at all, and that was why our findings were so inconclusive. So my wife worked on her credit where she could, and I helped where I could. Once her credit score was good we looked into buying our XXXX home. She had established a credit score through small student loans initially and then on to a {$200.00} in-store credit card. So we could see that her credit was a XXXX which we were very impressed by, but I still had no credit score at all. I checked back often on credit sites and was never given a number, just an error message that I must have the wrong information. So in XXXX of this year ( XXXX ), we spoke with a mortgage broker about buying a home. He had me check my credit again at which time I found that I had a derogatory mark on my credit that had been posted years prior from a phone bill that had went to collections. I was previously unaware that I had had any outstanding fees of any kind, as I had never gotten this bill, in the mail, via email, or even received a phone call about it. The initial bill is from XXXX and we moved in XXXX of XXXX, and forwarded our mail accordingly and immediately changing our address on file with any and all financial institutions. We never received a bill to our old address or our new XXXX in XXXX. I had no idea that I owed any money to anyone and thought everything was fine. So in the beginning of this year when we had worked on our credit and were trying to buy a home, I suddenly had this old derogatory mark on my credit that had never come up before and it said it had been posted in XXXX. As soon as I saw it I immediately ( within 24 hours of discovering it ) called the company that it said I owed and paid it in full, asking that it be removed. They complied and took the charge off, leaving the derogatory mark on my credit. I have called the collection company time and time again, trying to have it removed, as it was so many years ago, it should n't even be there.I pay my bills and the XXXX I found out that this XXXX existed, I paid it. Despite all of my efforts to have this mark removed from my credit I was told by Enhanced Recovery Company , LLC. that they would not remove it as that is not something they do. I paid the bill two months ago and the original date XXXX gave me over the phone tonight was well over six years ago in XXXX so it is my understanding that the debt has expired long ago. I am not asking for money back I am just asking for this to not be on my credit as it should not have been able to go on in the XXXX place having been expired. This is something I hope to get resolved soon as the impact it is having on my credit is severe and preventing my family from buying our XXXX home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-04-11

Moapa, NV

False statements or representation

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

Impersonated an attorney or official
Complaint: I was contacted by Enhanced Recovery of XXXX XXXX XXXX, XXXX, FL XXXX, XXXX regarding " several collection accounts ''. They would not identify these accounts and I was told that at XXXX Friday ( XXXX/XXXX/2015 ) I would be visited by the police who would have a warrant for my arrest. I asked them to provide me a written statement and was told I could read it in jail if I did n't pay " right now ''. When I refused and again requested a written bill, the collector became very abusive and told me he did n't have to give me anything in writing. I asked if he was familiar with the FDCPA and he told me that makes no difference to him and he would be enjoying the weekend while I was in jail.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-11

Abilene, TX

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I received an alert on my credit report for a collection by Enhanced Recovery. I contacted their office to see what the collection was for. They stated it was a bill from XXXX. This is an account from XX/XX/XXXX that had been previously deleted from my credit report in XX/XX/XXXX under another collection company called XXXX financial. I have not received any notification other than the alert from my credit monitoring service. If it is verified that I owe the bill, I have no problem paying the bill. The problem that I have is a company submitting something on my credit report without notifying me.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-11

Lb, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Certified mail was sent and requested to validate debt. Collection Agency failed to answer within 30 days. I am demanding the Collection Agency to CEASE AND DESIST from further communication with me, in any manner, regarding the above referenced TIME-BARRED debt. Also, in XX/XX/XXXX, in direct violation of Fair Credit Reporting Act 623 ( a ) ( 1 ), your company knowingly and willfully reported inaccurate information to a consumer reporting agency in order to extend the reporting period of the above account to XX/XX/XXXX. In response to my dispute of this FCRA violation, your company maliciously 'verified ' the fraudulent information to the consumer reporting agency as being correct in order to have it remain on my credit report. I demand that this FCRA violation be remove immediately on all XXXX of my credit reports.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-11

Vernon Hill, VA

Improper contact or sharing of info

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

Talked to a third party about my debt
Complaint: There is a collection ENHANCEDRE company that claims I owe a past due debt to XXXX however this was reported by another company XXXX of which removed it from my credit report with XXXX on XXXX XXXX 2015. ENHANCEDRE does n't have any contact information on XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-10

Billings, MT

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Received an alert for a new account on my XXXX credit file. Enhanced Recovery CO, LLC reported a debt in the amount of {$900.00} owed to ERCXXXX. I have n't had service from XXXX for at least 10 years, let alone any communication regarding a delinquent balance. I attempted to call Enhanced Recovery, no answer. I disputed the entry on my credit report, it was promptly updated from delinquent as of XXXX, updated to delinquent as of XXXX. I was never sent a notice of the alleged debt and, subsequently, deprived of my right ( s ) under the Fair Debt Collection Practices Act ; to dispute the debt and receive validation of the debt.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-10

Cold Spring, MA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Every so many months XXXX XXXX places an account with a collection agency which is not my bill. I have requested over the years proof of this bill and it always ends up that they can not provide any. In the past I have filed complaints against the collection companies and I think the best action is to get XXXX to stop reassigning this account over and over. The company they have assigned it with this time is listed below and they seem at this point to understand after reviewing XXXX XXXX 's info on my account they refereed that something is n't right. I have also requested that the collection company send me proof of this debt via phone and email. The contact person at ERC is a XXXX XXXX at XXXXERC, XXXX XXXX XXXX, XXXX, XXXX XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-10

Rollingstone, MN

Communication tactics

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

Threatened to take legal action
Complaint: I am writing because today XXXX of my parents received upsetting voicemails on their phones directed at me. The person on the line personally identified herself, then implied that she was an official legal representative communicating a message regarding district court proceedings against me in our county of residence. She stated that there were " various official complaints '' against me and that I could still contact the " Plaintiff '' at a provided number. My parents and I are well informed regarding legal process, so it was immediately clear that it is not time to call the lawyer. After matching the number from the voicemails to my credit report, I found that this was a call from Enhanced Recovery Collections XXXX., which was never disclosed in the communication. I am in the process of repaying debts accrued while injured and unable to work. I can not pay everything at once, however, and using indirect, deceptive practices such as this is not helping me to understand my debt or how to repay it. Impersonating the local government and making slanderous statements about numerous complaints against me in the court is very upsetting to both me and my family.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-09

Fairfield, OH

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

2015-04-09

Front Royal, VA

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

2015-04-09

Alta Loma, CA

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: Yes Timely Response

2015-04-09

ME

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Enhanced Recovery Company , LLC, says that I owe a XXXX bill for {$220.00}. I paid XXXX {$150.00} on XX/XX/XXXX as a " Settled in Full '' Now they are saying and also reporting on my credit report, that I owe an additional {$220.00} and when I called on XX/XX/XXXX, I spoke with XXXX representatives and they are unwilling/unable to assist. I called back in XXXX and disputed it, they said that the documents will be sent to me. I never received them. Called yesterday, they said the documents would be sent and I do n't believe that they will be. How can there be XXXX identical {$220.00} bill from ERC representing XXXX? I paid, they are refusing to remove the hit on my credit report. Any help would be appreciated.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-09

Jacksonville, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I pulled my credit report during the last quarter of XX/XX/XXXX and noticed a collection in the amount of {$200.00} from Enhanced Recovery Company ( ERC XXXX. I was never contacted about this debt. I called and spoke to a representative at ERC who informed me that the collection was due to an old XXXX account I had closed back in XX/XX/XXXX and that they could not provide me with any additional details. When I told the representative that this was a prepaid account, I was told that I would have to contact T-Mobile for additional information about my account and to request that they make a request to have the debt removed. I called XXXX and spoke to a representative who confirmed that my plan was prepaid ( Flex Pay ) ; however, they could not remove the collection once it was out of their hands ( the collection agency had to ). They refused to assist with removing the collection account even after I told them I had never received any phone calls notifying me of this fee. I have been calling XXXX and the collection agency for months with nothing being resolved. I also mailed the collection agency a request to prove that it is a valid debt and to prove that the cancellation of a prepaid account is valid. I have received no response.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-09

TN

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I contacted this company for debt verification on XXXX/XXXX/2015. They acknowledged this in the original complaint I filed against this company and yet here it is XXXX/XXXX/2015 and I have not received any verification of this debt. They are still reporting it to my credit reports and I want it removed. They can not verify the debt and have n't attempted to do so. If they are not going to be held responsible for breaking the rules of the FCRA I will take it further. Original correspondence was case number XXXX, they stated ... On XXXX XXXX, 2015, XXXX XXXX logged into her account using our website www.payerc.com. At that time, XXXX XXXX sent correspondence to our Customer Care Team requesting validation of debt for the referenced account and mentioned that she would also like the item removed from her credit bureau report. Per her dispute, our agency updated the account as a disputed item and placed in an investigatory status to prevent further collection efforts from proceeding. Additionally, the account was updated accurately as " Disputed '' with the credit reporting agencies on XXXX XXXX, 2015. they have not validated or verified, I want this removed from all XXXX credit bureaus asap
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-09

Discovery Bay, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I settled an old incorrect debt I had with XXXX XXXX XXXX on XXXX, per attached letter from XXXX. I called Enhanced Recovery Company several times and they literally made fun of my plea to close the account and not to send it to the credit reporting agencies. There are over XXXX complaints on this site about ERC and wonder when will the government put an end to their totally illegal and aggressive debt collection practices.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-09

Juniper Hills, CA

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: This company is a collection agency and they are trying to collect on a debt that is not yet eligible for collections as this is a closed account with XXXX XXXX XXXX that is not yet 30 days past due. They are calling this a " pre-collection '' debt account that they are trying to collect on.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-09

City Industry, CA

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

2015-04-09

Tonto Basin, AZ

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I got a notice from XXXX XXXX that I had a new account added to my debt. I looked it up and It is from Enhanced Recovery for XXXX. I have not had a XXXX account since XX/XX/XXXX. This is XXXX years ago. I paid XXXX off when I received the final bill. I have not heard from them since or have had anything attached to my credit report until XX/XX/XXXX. There was no letter sent to me to try and dispute this debt or even tell me I had a debt. My number has not changed and I have not recieved a call from XXXX XXXX in XXXX years that there was a debt. I have read many reviews and just recently Enhanced Recovery has been popping up on Credit Reports for accounts long closed and paid off.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response