Consumer complaint received 2015-04-22
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been attempting to dispute an XXXX account that is on my credit report since XXXX of this year. I disputed it because I have not had XXXX for 10 years so the fact that an ATT account was showing up on my credit report is impossible. When I received my results from the credit bureaus the results said that the credit bureaus verified that the information was accurate. 

Once I received those results, I called XXXX to figure out why they were sending an account to collections when I have not done business with them for 10 years. I called their customer Service Department at XXXX XXXX XXXX XXXX and spoke with a XXXX who told me they did n't have any information on me and that I would need to call their collection department at XXXX XXXX XXXX XXXX. I did so and spoke with a XXXX. He looked up my information with my social and stated I owed {$0.00}. He then transferred me to their XXXX department to speak with a XXXX and she told me that I did at XXXX point have a collection but that it was sold many years ago and that she did n't even have any collection agency information on the account because it was so old. I asked her if the collection agency was named Enhanced Recovery Corporation and she stated that they do n't even do business with Enhanced Recovery Corporation anymore! At this point I decided to call the collection agency directly. 

When I spoke to Enhanced Recovery I asked them why they were collecting this account if XXXX stated that I did n't owe any money and that they did n't do business with Enhanced Recovery. I was transferred to a Supervisor named XXXX XXXX and he informed me that they supposedly did do business with XXXX and that he would request something called XXXX to forward to me. He verified my home address and said that it would be 30 days. This conversation took place XXXX XXXX, 2015. 

On XXXX XXXX 2015 I called XXXX XXXX and he said that XXXX was in fact received and that it was sent to my address and that I would be receiving it by mail. I waited until XXXX XXXX and I still did n't receive any letter so I decided to call XXXX XXXX XXXX more time to figure out what is going on and why I have n't received anything. Now I ca n't get a hold of the guy and I am being transferred from XXXX office to another and speaking with multiple representatives none of which can answer why they are still collecting this debt and credit reporting it on my report without any proof. They claim they have XXXX offices and they do n't know who I was speaking with. I have been trying to call them all day yesterday and today and they are now acting like I am the plague and wo n't give me any answers. 

Because I have been dealing with this for over 3 months now I decided to investigate my options and have found out that this collection agency is in violation of a law called the Fair Debt Collection Practices Act by not validating this debt in a timely manner or removing it from my credit report. They are also committing fraud by claiming this account is verified to the XXXX credit bureaus. I am asking you to please help me with getting Enhanced Recovery to do their job right and remove this from my report. Their fraudulent placement of this account on my credit report has prevented me from buying a home and obtaining financing that I require. If this does not get resolved soon I will be suing Enhanced Recovery Corporation. 
Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief