Consumer complaint received 2015-08-08
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Re : Request for Investigation " Cramming '' & " Slamming '' - Unauthorized Charges Creditor : Enhanced Recovery/XXXX XXXX, XXXX - ( See Enclosed ) To Whom It May Concern : - Enhanced Recovery Company, LLCI am sending this letter to you in response to ( See attached ) notice I received from Enhanced Recovery Company , LLC on XXXX XXXX ( date of letter ). 
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. This is a Re-Aged Account. 

Collection Agencies and Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed items from consumer 's credit reports without notifying a consumer. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable deceptive practice. 

I AM IN DISPUTE OF THIS INACCURATE ACCOUNT. The practice of including unauthorized, misleading, or deceptive charges on this XXXX ( Account Number XXXX ) Billing Summary is called " cramming. '' Your investigation will determine '' Third-party charges may appear on XXXX XXXX telephone bill as a " service fee, '' " service charge, '' " monthly fee, '' " other fees, '' " voice mail, '' " mail server, '' or " membership. '' Companies that cram charges and fees onto telephone and credit card bills can make substantial profits from this practice because many consumers either do not closely review their bills or do not know who to contact to dispute the charges. 
Numerous unauthorized charges appeared on this billing summary ( XXXX ) Without any explanation ; From a company with a fake business nameFOR YOUR REVIEW A BILLING SUMMARY OF THIRD PARTY CHARGES AND CREDITSThis Refund Program was for current and former XXXX customers who may have incurred unauthorized charges for third-party Premium SMS ( Text Message ) services. The deadline to submit a claim to the XXXX XXXX Refund Program was XXXX XXXX, 2015. The program has now closed. If you submitted a claim online before the XXXX XXXX, 2015 deadline you can review the status of your claim with your registration number and password. If you submitted a claim form before the XXXX XXXX, 2015 deadline by mail or email you can contact the Refund Administrator. 
Therefore, 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 for unauthorized third-party billing disputed charges on this Re-aged disputed account. 
Provide a verification or copy of any judgment if applicable ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. 

If your offices have reported invalidated information to any of the XXXX 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 Report

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