ERC

2019-02-09

Baldwin Hills, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-02-09

Charles A Hayes, IL

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

2019-02-09

San Gabriel, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: This is matter was addressed and a complaint was filed when 2 other companies harassed me for the same debt in a collections portfolio of {$610.00}. My personal and private information has been thrown around between companies. Those cases were closed on XX/XX/XXXX, and XX/XX/XXXX, I've attached those files to those cases. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent a letter of validation to which they have failed to respond to. Not only is it 1 company disputing the same debt in collection but it's 2 different companies disputing it in different credit bureaus. I am filing this complaint as a last resort before I reach out to my attorney. This is in response to the numerous calls I have received from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-09

Wallington, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I sent a letter to Enhanced Recovery Company stating that I pulled my credit reports and noticed an unfamiliar collection on my credit reports, which I had not been aware of. Rightfully, I requested VALIDATION of the debt, requesting PROOF that I am indeed the party bound by CONTRACTUAL OBLIGATION to pay the debt. I requested PROOF OF AN AGREEMENT with their client that authorized them to collect on the alleged debt, and most importantly, an agreement BEARING SIGNATURE of the alleged debtor wherein he promises to pay the creditor. They provided NONE of the aforesaid VALIDATION. All I received was VERIFICATION in the form of a phone bill with my name on it. No VALIDATION whatsoever that this account belongs to me or that I entered into a contract. Yet, they continue to report this inaccuracy on my credit reports. When I initially filed a complaint with the CFPB, Enhanced Recovery Co. responded that they received my request for validation and that they " verified '' ( not validated ) the account. VERIFICATION and VALIDATION are not interchangeable! There is a difference between " validation '' and " verification ''. I did NOT request verification. I requested validation! They have not been able to furnish anything that proves that I am contractually obligated to this account in any way or that this account belongs to me. They are unable to VALIDATE the contract, yet continue to tarnish my credit worthiness by reporting this inaccurate information to multiple credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-08

Allegheny, PA

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

2019-02-08

Escondido, CA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-08

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

2019-02-07

Blue Springs, MO

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

2019-02-07

Alachua, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Agency : ERC is not a bonded agent in the state of Florida. Original lender : XXXX XXXX XXXX XXXX Amount : {$130.00} XXXX acct : XXXX XXXX acct : XXXX Placed for collections XX/XX/2016 I have attempted multiple calls to this company informing them that this debt does not belong to me. There response is to send me collection letters. Furthermore. I receive daily robo calls from this company, at least 7 per day. I have been at my current address for greater than 5 years and have and at no time in the past have I had an account with att and wireless.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-07

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Good morning. As we are trying to buy a house, a delinquent notification of an account showed in my credit report from a company called XXXX XXXX XXXX XXXX. I reached to this company and they told me its a debt from XXXX. I have call over a dozen times to this people and have provided them with the info they have asked several times. My mother was a XXXX XXXX and as I was in the XXXX, she used my information to acquire services under my name, like Cable TV and now this. We didn't know until things started to pop up. She died last year of complications from XXXX/XXXX. I did my investigation and she got this XXXX account because the representative at a mall kiosk in PR was her friend and they used my info for her to get 2 cell phones. That employee no longer works there. I have told them the same thing over a dozen times and provided them with all the information. They said they will take it of my report. This has been going on for a while now and they continue to reach out to me. My credit score went down in a huge way thats to them pushing this in to my report and my house buying process is now at a stop due to this. Please, this is getting overwhelming and as I dig in the web, there is nothing but stories and complaints from this company. Please Help. Thanks.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-06

Laredo, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2019-02-06

TX

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: Received a credit alert that XXXX XXXX XXXX files a major Derogatory on my credit report. We have not requested service from this company, we have no record of an agreement, nor have we received any information via mail or email. This has dropped my credit score over 50 points. I am requesting that this be removed as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-06

Five Points, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: XXXX previously reported this debt and It was removed from my credit report after communication with the credit bureaus with my police report and identity theft report. I responded to ERC 's original letter to collect the debt and let them know this has already been disputed and the original creditor should not be selling this debt as they have received all the required documents for the identity theft. They continued to list the debt on my credit report. This is the last attempt to have the debt removed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-05

Granada Hills, CA

Attempts to collect debt not owed

Debt collection: Credit card 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

2019-02-05

Jacksonville, FL

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

2019-02-04

Laredo, 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

2019-02-04

Shulerville, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: In XXXX of XXXX, enhanced recovery company attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. This debt was posted on my XXXX and XXXX credit reports. I was un sure where this debt came from, given the fact that I have not had any type of XXXX services for 10 years. I requested debt validation in XXXX of XXXX from Enhanced Recovery Company, to which they never responded. It has been a year and this debt that I am not responsible for remains in my credit file. This is not my debt and I would like it removed off my credit report ASAP.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-04

Charlotte, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-04

IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am a victim of Identity theft/fraud. I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. documents submitted to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. This account must be removed immediately, as it is in clear violation of the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-04

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-03

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XX/XX/2016 was sold to a collection company from XXXX XXXX XXXX, it was with XXXX XXXX XXXX for 3-4 years prior to that, I ditched cellular service to XXXX and XXXX was paid in full by XXXX to move my device, and they where repaid by me the full amount about 7 years ago ... disputed credit report with XXXX and removed after investigation, XXXX refuses to remove the negetive mark from my report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-03

Fort Worth, TX

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

2019-02-03

Southern Pnes, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XX/XX/XXXX I contacted XXXX XXXX regarding a utility bill with XXXX XXXX, Account Number XXXX ( with XXXX XXXX on credit report ) for the amount of {$910.00}. Per their recommendation, I filed a Credit Theft Report with FTC on XX/XX/XXXX. I reviewed my credit report and found that XXXX XXXX no longer has this account in my name but now XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX now has this account. I did not make this bill and I did not authorize the bill and am requesting the new company remove this information from my credit report. END OF STATEMENT XX/XX/XXXX, SIGNED // XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-02

Covington, GA

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

2019-02-02

Covington, GA

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