ERC

2019-03-31

Daytona Beach, FL

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

Untimely Response

2019-03-31

Hollywood, FL

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

2019-03-31

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

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

Untimely Response

2019-03-30

Brem, WA

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

Untimely Response

2019-03-30

Deer Park, TX

Written notification about debt

Debt collection: Other debt

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

2019-03-30

Glendale, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Both Enhanced Recovery Company and XXXX XXXX are attempting to collect on the same debt. Please see the attached letter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2019-03-29

Howard Beach, NY

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

Untimely Response

2019-03-29

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The home I lived in during this period belonged to a roommate. I had no utilities in my name.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2019-03-29

Virginia Bch, VA

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

Untimely Response

2019-03-28

Jupiter, 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

2019-03-28

Clyattville, GA

Written notification about debt

Debt collection: I do not know

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

2019-03-28

And, SC

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-28

Cataldo, ID

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2019 a letter was mailed to me by Enhanced Recovery Company. I received this letter approximately on the XXXX of XXXX. This debt that they are trying to collect is from XXXX for the amount of {$690.00}. The origin date of the account is not listed on my credit report, the date field is blank displaying -- / -- and only displays a XX/XX/2019 date. This is not a current debt of mine and the dates are completely false. The day I received the letter I also received notifications from the credit bureaus saying that a new collection account was added and my score plummeted. I immediately disputed this with the bureaus. They have illegally reported this to my credit report prior to the 30 days that I legally have to dispute this. I have received no validation from this company with any dates and they have tarnished my credit. Everywhere I have read is that this company, as early as a year ago, was not able to report to the bureaus because of previous instances. I would assume it was something along the lines that they are trying to do me. I feel that this is a direct violation of the FCRA and stated in their letter I have 30 days to dispute this which I have and they are still reporting to the bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-27

Pacific Beach, CA

Written notification about debt

Debt collection: Other debt

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

2019-03-27

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: The debt was paid in full total payment received {$140.00} on XX/XX/2019 Creditor XXXX XXXX XXXX XXXX. Collection agency ERC collected {$140.00} Plus theyre over the phone fee of {$1.00} Totaling {$140.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-27

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies Enhanced Recovery and XXXX XXXX. In XX/XX/XXXX I contacted XXXX XXXX and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to Enhanced Recovery in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. Enhanced Recovery responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to XXXX XXXX who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid. Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to Enhanced Recovery who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not. I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report. I ask that you please assistant me with FINALLY resolving this illegal matter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-27

Tyrone, NM

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-03-26

Baltimore, MD

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

Untimely Response

2019-03-26

MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I received an alert from XXXX, XXXX XXXX and XXXX reporting agency ( s ) on XX/XX/XXXX that reported a collection debt that was added to my credit reports. I called Enhanced Recovery Company on XX/XX/XXXX and was told that they were representing XXXX and collecting a debt, I told the rep that the debt did not belong to me. I filed a complaint to CFPB back on XX/XX/XXXX Ref : XXXX against XXXX XXXX XXXX which resulted with the XXXX account being deleted from my credit files XXXX, XXXX and XXXX. It appears that Enhanced Recovery Company purchased the debt from XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. This account was closed and deleted and now added to my credit file once again.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-26

Birmingham, AL

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

2019-03-26

Saint Charles, MD

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-03-26

Quartzsite, AZ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I recently reviewed my credit report and I keep coming across a collection from Erc for {$670.00}. I have no idea what this is for. I never received a notice of debt. I have tried disputing this several times with the credit bureau. They say It meets requirements and have not removed it. I sent a complaint to XXXX. I received a reply from ERC dated XX/XX/2018 which I will enclose. They advised it was sent back to them as not a correct address however they will obtain a validation and sent it to me. To date I have ZERO documents validating this debt! I have NO idea what it is for and it is affecting my credit. Either send me a validation of this debt or have them remove it asap. I'm at the end if my rope as I'm running out if options. If it is my debt then I owe it but I need proof as I do not recall ever having an account with XXXX. I refuse to pay for something that is not my debt. Please help any way you can. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-26

Key Biscayne, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I am writing to provide a complaint that was created on my credit file on behalf of Enhanced Recovery, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by Enhance Recovery. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. Enhanced Recovery re-aged this account to appear as a new debt rather then owned by a new creditor. Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2019-03-26

Corpus Christi, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-26

Riverbank, CA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted you after you asked them to stop
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response