Consumer complaint received 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (GA)

An erroneous entry has been made on my credit files with XXXX, XXXX, and XXXX by : Enhanced XXXX. XXXX XXXX, FL XXXX original creditor was XXXX. 

I had an account with XXXX until approximately XXXX XXXX. I cancelled the account due to billing errors that had existed Since XXXX. 

When the billing errors were initially discovered, I contacted XXXX customer service, and each time I was assured that the proper credits would be issued. The bill was supposed to be approximately {$110.00} per month, but each month I had to call XXXX customer service for credits and adjustments. 

I have notated conversations with XXXX on my bills, and I have digital recordings of XXXX telephone calls to XXXX. In these notes and calls XXXX Representatives acknowledge the billing errors, and agree to write the proper credits to correct the billing. However the credits were not issued as agreed. 

I cancelled the XXXX service and continued to pay {$10.00} per month as a goodwill gesture to give them time to correct their erroneous billing. 

I was never contacted by Enhanced Recovery with notice of my right to dispute this bill, even though a forwarding address was available to them. I discovered the alleged debt when it was reported on my credit files. 

On XXXX XXXX, XXXX, I sent a dispute to Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. IT was sent by XXXX mail, registered mail # XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX stamped received by XXXX. XXXX. 
I have received no reply to my request for records and verification of the alleged debt, or any answer whatsoever. 

On XXXX XXXX, XXXX, I sent another request for information and verification of the debt to Enhanced Recovery at the same address. This request for validation and investigation of the alleged debt was sent by XXXX mail, registered mail # XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX and was signed with an illegible signature. 
I have also received no response on this inquiry. 

Similarly, letters requesting verification of the alleged debt, along with details of the investigation process were requested of XXXX, XXXX, and XXXX by XXXX Delivery Confirmation on XXXX XXXX, XXXX. I received no replies. 

I am asking that as required by the Fair Credit Reporting Act, that Enhanced Recovery XXXX XXXX be directed to remove all information regarding their reporting of this from all credit reporting agency files as listed above. I am also requesting that due to their inability or unwillingness to respond to my inquiries that any and all reporting to any agencies including credit reporting agencies, Enhanced Recovery XXXX be directed to remove all reports regarding any transactions between XXXX and myself. 

Should Enhanced Recovery not furnish the Federal Trade Commission with proof of delivery, showing my Signature of replies within the time prescirbed by law that the Federal Trade Commission direct the removal of the reports as requested above and that they be fined according to the FCRA according to it 's stipulations. 

Thank you very much for your consideration.