ERC

2019-11-01

Milwaukee, WI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I do not owe this debt to this company. I was only made aware when it showed up on my credit report. The company could not show proof that the debt is mine. I have no knowledge of this debt and have never had any dealing with this company. The company couldnt provide the debt {$500.00} details. I refused to give out my personal information to them.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-01

Alt De Penuelas Ii, PR

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

2019-11-01

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: In XXXX, 2017 my identity was stolen and accounts were opened in my name for XXXX XXXX XXXX, XXXX and XXXX. I filed all the necessary paperwork ( Police Report, ID Theft Affidavit, ID Theft Report ), had all the accounts removed from my credit report, froze my credit and contacted XXXX XXXX XXXX, XXXX and XXXX to inform them of the identity theft. I then filled out multiple pages of paperwork with each creditor to prove the identity theft. Despite all these efforts, XXXX XXXX XXXX and XXXX continue to sell this debt to collection agencies, who then call me. Even worse, these fraudulent accounts keeps reappearing on my credit report, negatively impacting my credit scores.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-31

IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/2019, I was contacted by Enhanced Recovery Company regarding a debt from XXXX of {$740.00}. I asked the representative to provide me with an address that service was established and an account number.The representative could not provide me with this information. I informed the representative that this was not my debt and questioned how can they report something on my credit file that they do not have all the information about. She instructed me to go to XXXX ID Theft and fill out a fraud affidavit, on such affidavit, it requests information like, an account number and proof of residency during the time the account was established. I contacted ERC again, to inform them that I couldn't successfully fill out an affidavit without that information and they told me that i had to pay the debt even if its not mines to get this removed off my credit file. I did send a request that they validate this debt as mines and provide me with relevant information and have not received any information from the company to support my request.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-30

Saint Clair, MO

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Complaint: This company ( Enhanced Recovery Company ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXXXXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXXXXXX : Markeisha> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-30

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

2019-10-30

Cordova, TN

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: This is yet another complaint about the repeated efforts of ERC/XXXX to collect an alleged which I contend that I DO NOT OWN OR THAT WAS AUTHORIZED BY ME. My original complaint was filed on XX/XX/2018. The complaint # is XXXX. I have and will continue to contend that this account was not opened or authorized by me and take great offense that ERC is once again contacting me with language indicating that they have been authorized to report the account to the national credit bureaus thus damaging my credit further. I am already been actively fighting to resolve issues from multiple breeches of my personal info. I am again disputing this alleged debt and demand that ERC cease collections. ERC has violated my rights under the FDCPA last year by reporting a debt to the credit bureaus that I had actively disputed. I should have filed a class action lawsuit then but backed off when ERC removed the entries from my credit report. This time reporting of this disputed alleged debt to the credit bureaus will most definitely result in a lawsuit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-30

Murray, UT

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Enhanced Recovery is reporting inaccurately on my credit report for one they are collecting and report a DUPLICATED debt on my report ... They are also in violation of the bankruptcy automatic stay as the debts were included in a discharged bankruptcy yet they are still reporting balances and updating monthly.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-30

Bremen, GA

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Complaint: I was told that I owe the amount of account and could be sued if debt wasn't paid. I didn't owe the amount stated on my credit report. Account information is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-29

Lewisville, 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

2019-10-29

Chicago, IL

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

2019-10-29

Elgin, SC

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

2019-10-28

Palatka, FL

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

2019-10-28

Kansas City, MO

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Complaint: This company ( Enhanced Recovery Company ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-28

Juniper Hills, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I have been telling this company for years they billed me after service was discontinued and they keeoo Pk putting on my report over and over
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-27

TN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$840.00} to XXXX XXXX/XXXX XXXX. This debt is NOT mine as I've never had a XXXX XXXX/XXXX XXXX. I've attached the letter they sent me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-27

TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$76.00} to XXXX XXXX XXXX. This debt is NOT mine as I've never had XXXX XXXX XXXX services. I've attached the letter they sent and as you can see that is not my name as " XXXX '' is not me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-27

Miami, FL

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

2019-10-27

Lewisville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Enhanced Recovery Company XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern, On a recent review of my credit report, I discovered Enhanced Recovery Company is reporting a debt that I have previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety. I am requesting that Enhanced Recovery Company provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Enhanced Recovery Company cease and desist from all collection activity pertaining to this account. Enhanced Recovery Company are only to contact me via mail at my mailing address. I am allowing Enhanced Recovery Company a period of 30 days to produce this information. If Enhanced Recovery Company is unable to validate the account, then they are to remove the collection account from all of my credit reports. Enhanced Recovery Company failure to act will result in this matter being referred to the XXXX XXXX XXXX and the Attorney Generals Office.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-26

Hinsdale, IL

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX XXXX XXXX XXXX XXXX has showed up on my credit report and sent to collections after it was filed and discharged in my bankruptcy in XXXX and discharged in XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-26

Arlington, 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

2019-10-25

Brentwood, TN

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

2019-10-25

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-24

Cambria Heights, NY

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

2019-10-23

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response