Date Received: 2020-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is not my debt I never had any connections with company.
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through Enhanced Recovery CoL on XX/XX/XXXX and again through XXXX XXXX sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of the reporting agencies needs to be removed. And they need to stop re reporting it as new.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notify you that I am disputing this debt in entirety, and you are required to provide me with validation not verification but validition 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 you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account with ALL the information that I requested, then you are to remove the collection account from my credit reports immediately.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no knowledge of this debt. I never received paperwork. Please provide proof of a contract between your company and myself.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never had an account with ENHANCED RECOVERY CO L nor XXXX the original creditor. I have requested a debt validation from them more than twice to no unveil. I would like to see the original contract that I signed showing my signature SSN, and D.O.B, as proof that I owe this debt. I would like for this collection to be removed from all 3 of the CB because I have never received validation of this debt, per the FDCPA. Besides this is hurting my Credit Score and I am trying to purchase my first house.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received a letter from XXXX XXXX XXXX I a re XXXX XXXX XXXX XXXX XXXX demanding {$150.00} or Settlement of {$95.00}. This is an attempted Shake down for a debt discharged In chapter 7 bankruptcy as of XX/XX/2017. I have not attempted to contact this entity So as not to validate this Matter unwillingly because it is invalid due To the discharge afforded by the XXXX XXXX XXXX This Company is trying to perpetrate A fraud during this tax season, As is in common by Collection agencies.
Company Response:
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried several times to dispute XXXX of my XXXX XXXX report. Ask to validate the date, send proof. Got nothing showing this is my debt. Ive tried for years to have this remove of my report
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt not owed.
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I closed an account with XXXX like XXXX years ago. After reviewing my XXXX report, i noticed there is a collection on my report amount of XXXX. I called the collection agency ( Enhanced Recovery ) and paid the amount. I contacted XXXX and i disputed, even though on my report it says paid ; but XXXX wont remove it until XX/XX/2024. Company Involved in my case XXXX XXXX XXXX, 2. Enhanced recovery 3. XXXX.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A