ERC

2019-04-14

Bucksport, SC

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

2019-04-14

Cleveland, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-13

Euless, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-13

Garrett Park, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Disputed twice currently XXXX dispute XXXX as of XXXX separated told XXXX XXXX divorced XXXX was not at that address at all since XXXX this is not my bill {$210.00} XXXX XXXX now it is in collections which affects my credit report me and my x just completed bankruptcy court now this!!! I did not make this bill XXXX XXXX {$210.00} said so twice to XXXX XXXX must been signed in my name I refuse to let this affect my credit report after going thru bankruptcy please help!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-13

NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I have called and spoke with enhanced Recovery company several times regarding a XXXX bill that they have in collections for me. I have explained to them i was not in contract with XXXX and i was on a family plan with XXXX. I took 3 XXXX on lease with XXXX and i already made full payments on these phones but my bills were still showing high amount. When i looked into my account, i realized the phones had a lease fee on them every month. I called XXXX and asked why there was a lease on my phones when i already made payments in full for all my phones. I was told by XXXX after i already purchased the phones i would still be paying to lease it. I disagree with XXXX because why would i purchase a phone that pay a leasing fee to use it. it does not make sense so i paid my last bill to XXXX in full and cancel my services but i kept the phones since i already paid for the phones in full. I was then sent to collections. I spoke to enhanced recovery and explain this to them but they refused to take off this account off my credit report. I need your help in getting this off my credit since i've been harrassed and threatened by enhanced recovery that my credit would be damaged beyond repair if i refused to pay them.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-12

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

2019-04-12

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I was notified by my credit agencies that I had a New collection account posted. I was shocked because I've never had a collections account. I did research and noticed that the collection company " Enhanced Recovery company '' posted the account for the original creditor " XXXX ''. This specific debt they are referring to was discharged during my Chapter XXXX no asset Bankruptcy in XX/XX/2015 and now 4 years later this company is illegally attempting to collect this debt and unlawfully posting this collections account to all 3 credit agencies. I've spoken to a representative and manager who showed not much desire to help me. I've attempted emailing them via their contact portal on the website and have not heard from them regarding their unlawful actions! Please help resolve this matter as it is affecting my credit very adversely!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-12

SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have Dispute XXXX ( ERC Collection ), XXXX Credit Card, XXXX XXXX XXXX. In XXXX 2018-present with the 3 major credit bureaus, asking them to validate the following debt, under the fair credit report act, over three times. Being that this information is not valid. I have also set letters of Validation not vertication to each collection agency, there has been no response or just a copy of bill, that is not proof that These collections are valid.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-11

Ft Belvoir, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-04-11

Stephenville, TX

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

2019-04-11

Three Bridges, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: i received collection notice and a collection account was put on my credit file, this account was from identity theft. I never opened any such account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-11

LA

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Complaint: Enhanced Recovery number XXXX has been calling me non-stop and even called my job on Tuesday, XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-11

Atl, GA

Incorrect information on your report

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

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

Timely Response

2019-04-11

Euclid, OH

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: XXXX Our bank XXXX contacted my business to say a suspicious check was presented. Our business name was not noted just our account and routing #. The check was being requested FROM XXXX XXXX and made out to ENHANCED RECOVERY LLC XXXX FL. I called ERC to ask why they were trying to withdraw funds from our account. I spoke with XXXX XXXX XXXX XXXX XXXX She acted confused for apprx 20 minutes then finally admitted someone was trying to pay off their account with OUR bank information. She would not provide any further details. She asked me to contact the police. I am in OH they have no jurisdiction in Florida..I 'm sure she's aware of that. Her behavior was very suspicious. She gave me this reference # XXXX Is there any thing else I can do.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2019-04-10

VA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-04-10

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-04-10

Plainfield, IL

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

2019-04-10

Beaumont, TX

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

2019-04-10

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: 30 days ago I sent a dispute letter to ENHANCED RECOVERY COMPANY asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-10

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: First communication made with rep on XX/XX/19 the first representative I spoke to hung up on me before allowing me to give her new information. Second communication on the same day I was hung up on by the supervisor.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-10

Palos Park, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Debt was paid directly to the original debt holder. Collection agency is reporting on my credit report not the original company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-10

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Account was not opened by me. Not my account. Account opened and obtained fraudulently.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-09

Greenville, SC

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2019-04-09

Elyria, OH

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-04-09

Axson, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX has added derogatory information to my personal credit report, and They've failed to remove the information from my credit files after multiple letters asking them to verify the debt with a contract bearing my signature to validate the debt belongs to me. The initial letter was to ERC XXXX. XXXX XXXX XXXX, FL XXXX which is the same mailing address as XXXX XXXX for the same debt ( company name changed ). I certified and returned receipt all letters via XXXX. The first letter sent XX/XX/XXXX, XX/XX/XXXX The information was also sent to XXXX, XXXX, and XXXX to be verified in accordance to the laws outlined by the Fair Credit Reporting Act. ERC now XXXX XXXX deleted the item, and then renamed its business to add the account back to credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response