ERC

2019-05-19

Fithian, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Opened XX/XX/2017 Amount {$480.00} Account was closed but they sent to enhanced recovery company. Disputed. They never sent verification
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-19

Westland, MI

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

2019-05-19

CA

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX sent me collections for {$800.00} regarding an XXXX. XXXX claims I never sent the XXXX back. I sent the debt collector the receipt from the box I shipped back containing the XXXX in excellent condition. The collection was removed from my credit report from providing evidence. XXXX then had my collection transferred to another agency so it remained on my report ... Ive already proven this is a false debt and they will not remove.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-18

Canton, MI

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

2019-05-18

Leming, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-18

Raymond, NH

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: On XX/XX/2019 I received a phone call where I was told it was being recorded and I stated to the company to stop calling me. I then received a phone call on the same day at XXXX which I did not answer. I then recieved another phone call on XX/XX/XXXX at XXXX XXXX and when I was asked to speak to a manager they refused to allow me to speak to one and I again statted to remove my phone number. I never received my validation notice from this company and when I told them they had my wrong address they didn't even ask for my new one. After telling them I didn't want any more phone calls on XX/XX/XXXX they continued to ask for a payment in full
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-18

Manhattan, NY

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

2019-05-18

Memphis, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I XXXX XXXX THIS BILL WAS ALREADY PAID AND ATT KNEW THAT BEFORE THIS GOT TO THIS POINT, THEY NEED TO REMOVE THIS FROM MY ACCOUNT BECAUSE THIS IS A MISTAKE ON THERE PART CAUSE THIS BILL IS ALREADY RESOLVED
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-17

Jamaica, NY

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-17

Fayetteville, NC

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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-17

IL

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Complaint: Im not even sure what account they are referring to because I have expressed to them that the lease company XXXX failed to pick up their product after I called them and informed them that I am no longer wanting the product. They proceeded to make a deal with the guy that still lived there and after that I am unsure of what happened, I was not contacted by them at all until the account was sold to ERC apparently. I am not fond that they are now calling my employer asking for me and informing the person answering the phone that they are indeed a debt collector. It is embarrassing and it creates a bad image on my behalf with my employer. Im not even sure how they found out where I work at because I never gave them that information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-17

TX

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: A company Enhanced Recovery added a credit collection to my report stating this was opened XXXX of this year and I know which account this is ... it was opened 5 yrs ago or more for air time on a cell phone, and I tried to get them remove some of the erroneous charges on my bill for a long time back then. I had XXXX dispute it and they left on my report ... XXXX removed it from theirs ENHANCED RECOVERY CO XXXX Original Creditor XXXX Open Date XX/XX/2019 Balance {$1500.00} Contact Information XXXX XXXX XXXX, XXXX, FL XXXX XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-17

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: this is company is reporting a debt that is not mine on my credit bureau I have ask several times for them to remove it and they refuse.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-17

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Real Estate Broker pulled my credit and it shows that I had and account opened on XX/XX/XXXX and they reported to my credit on XX/XX/XXXX for {$530.00}. I have not opened an account with XXXX in my name or given the consent to anyone else to open an account in my name.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-17

AL

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: Called to cancel account. Account did not get closed/cancelled. Did not receive a final bill. Did not get a notice stating account was going to collections.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-16

Burbank, CA

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-16

Ft Lauderdale, FL

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

2019-05-16

Cibolo, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-16

Reno, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I owed XXXX a cell phone bill for {$540.00}. I paid the collection agency Enhanced Recovery Co LLC in XXXX FL. I paid the debt in full before the due dates for payment. I was told that with in 30 days they will update as paid in full to the credit reporting agencies. As of the date of this complaint they have yet again verified the debt and are not showing it as paid in full. After I yet again disputed the debt on XX/XX/2019. This debt has been paid in full since XXXX XXXX a full 90 days from the time I paid and they are still validating the debt. I called and asked them to stop validating as it goes against debt collection practices. They only want to argue and refused to remedy the problems. I can submit bank records to prove the debt was indeed paid. As you see on both bank statements ERC from Florida is the collection agency I paid off.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-16

Oxford, GA

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Complaint: I filed a dispute against the collections agency ERC, back in XX/XX/XXXX on an account that they're reporting on all three of my credit reports. The first complaint is that they did not respond to my dispute within 30 days, I didn't get a get a answer until XX/XX/XXXX. Also in my dispute request, I requested that they send me a copy of signed documents by me proving that this debt is indeed my debt, which is my right. However, they sent me a letter stating the debt is validated by a bill, and they sent me the copy of the bill. No signed agreement or document. This is my debt, and this is not a accurate form of validation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-16

Columbus, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-16

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Ive reached out to ERC several times in writing requesting validation for the debt, Each time they send me back some documents that does not explain or validate the debt. I called and spoke with a representative and they told me that this is from an account in 2007 with XXXX. I explained to them, Ive never had this provider and they did not have any suggestions to fix this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-15

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: company : XXXX collector : XXXX XXXX/ERC REF # XXXX I use to have XXXX phone service & switched over to XXXX XXXX in XX/XX/XXXX. Upon checking my credit score I found this negative mark on my score ( {$700.00} ) .First of all, I had no outstanding debt with XXXX or they wouldn't have switched me over to XXXX and given me the unlock code for my phone to switch over. I assume this was a discrepancy found later, which leads me to believe of identity theft.The other scenario I believe would be that they made a mistake and recharged me for a phone i purchased long ago and have a receipt for ( justifying a XXXX price tag ) .Another one is that they kept charging me after I switched over. I don't know, I'm guessing, since I can't talk to XXXX about it ever since they sent it to collections. Another point is that collections never contacted me, ever. I contacted them when I saw my credit score on XXXX XXXX, very strange for a collections agency.So this comes as a surprise 4 years later. In summary- i don't owe this debt, it is a mistake XXXX would not have transferred/ given unlock codes if I owed this and never mentioned anything. i can't talk to XXXX directly about the matter. ERC XXXX credit never contacted me and does little to resolve the matter except bill me the amount. Thank You -XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-15

Maynard, MA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Hello, I hope this message finds you well. Enhanced Resource Centers have been unwilling to provide any Account Verification details with me whatsoever. I had sent them a Certified Mail Debt Validation Request, and the address that is on file for them on my XXXX Credit Report, and the address that the representative I had spoken to provided me with is the address which I sent the correspondence to. The correspondence was returned to my address with a statement from USPS stating that this parcel was not deliverable as addressed and it was unable to get forwarded either. This is deeply concerning to me. As not only they refused to provided additional details, the address on file for them on all of the platforms is incorrect. Please see the attached files for all of the proof that I have with this statement. Furthermore, after speaking with them on the phone they would not give me any details other than what is inaccurately listed on my XXXX Credit Report. Please help me, as this derogatory remark on my Credit Report is causing tremendous stress and making me lose out on several career opportunities due to the nature of my field as a XXXX. I am hoping that the evidence I have provided is sufficient to close this account and remove this derogatory remark from my credit report. Thank you so much.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-05-14

Brookside, CO

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response