Consumer complaint received 2022-01-09
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Enhanced Recovery Company contacted me attempting to collecting on a debt that I have never contracted or agreed to pay them. The rep stated I owed them the debt even tho I had not contracted to pay them because they purchased the debt from another company. I told the rep I would not be paying on a debt that doesn't belong to me and I think he/she may be calling the wrong person. I also told that rep I would be sending in a debt validation letter to validate this debt. The rep continued to call me everyday for the next couple weeks, leaving horrible threats on my voicemail. They began to contact me by mail shortly after the first call I had with that rep. After them harassing me for this debt they started to report negative and defaming information on my consumers report about this account.Upon checking this account I noticed Enhanced Recovery Company reported multiple inaccuracies on this account to the three main credit reporting agencies, which is now hurting my score/consumers report. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. When I noticed the account on my consumers report I sent Enhanced Recovery Company a debt validation letter which I have attached to this complaint. Enhanced Recovery Company never responded to the letter. I proceeded to dispute this account with XXXX, XXXX, and XXXX and they failed to provide me with the a solution to this problem while knowing there are many inaccuracies reporting within this account. They did not thoroughly investigate this account which has prompted me to make this complaint. Since Enhanced Recovery Company have never responded to the debt validation letter or supplied me with sufficient information in order to validate this debt, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 

12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 

Due to the number of inaccuracies within this account which I have highlighted in the image below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity as 12 CFR 1022.41 states they should be. As you can see For account XXXX there are inaccurate account numbers, date opened, balance, high credit, last reported, and date last active reporting to the three main credit bureaus. These inaccurate reporting across three major credit agencies are affecting my consumers report. Please remove this account from my consumers report. Due to the inaccuracies of this account reporting to three credit reporting agencies incorrect information I have been denied loans I would have been approved for had this account been handled with accuracy and integrity.I have been denied employment, essential housing etc due to this company reporting inaccurately on my consumers report. This has caused me so much stress I am having XXXX everyday due to the inaccuracies reporting on this account all while knowing the debt is not mines! I will continue to be denied loans, housing etc if this inaccurate Information continues to report on my consumers report, remove this account from my consumers report as I the consumer am the one suffering for something that's not mines. 

Enhanced Recovery Company account # XXXX

Company response to consumer: Closed with explanation