Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (PA)

A few months ago two ghost debts appeared on my credit report from Enhanced Recovery Collection. 

The first debt on my XXXX Report ( Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by " ERC ''. This same debt is being reported on my XXXX report ( Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by Enhanced Recovery Co L. 

The second debt is being reported on my XXXX  report ( Acct : XXXX, Open XX/XX/XXXX, ERC, XXXX XXXX ) and on my XXXX report ( Acct XXXX for XXXX XXXX ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above-named company is reporting inaccurate credit information. Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : { {$1600.00} and XXXX, respectively } dollars on the above-mentioned dates. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. the above named company reports on my XXXX report that Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by " ERC ''. This same debt is being reported on my XXXX report ( Acct : XXXX, Opened XX/XX/XXXX, Original Creditor XXXX ) is being collected by Enhanced Recovery Co L. ).  Both reports indicate an open date of XX/XX/XXXX, which is consistent with incorrect and false reporting of information. I have no knowledge of this account, but absolutely did not open an account with XXXX or Enhanced Recovery on or about this date. This is reporting a false date in an attempt to reset the statute of limitations. I demand strict written proof of confirmation of opening this account on this date. 

Further, The second debt is being reported on my XXXX report ( Acct : XXXX, Open XX/XX/XXXX, ERC, XXXX XXXX ) and on my XXXX report ( Acct XXXX for XXXX XXXX ). Both reports indicate an open date of XX/XX/XXXX, which is consistent with incorrect and false reporting of information. I have no knowledge of this account but absolutely did not open an account with XXXX or Enhanced Recovery on or about this date. This is reporting a false date in an attempt to reset the statute of limitations. I demand strict written proof of confirmation of opening this account on this date. 

3. The above-named company reports statuses as open then also report as In collections. 
Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 4. above named company reports two different inaccurate remarks on credit report : a ) that day the debt was opened ; 2 ) that I amount owed. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 5. the above-named company was not the initial company who I allegedly did business with ; 6. above company has reported and has continued to report such derogatory remarks  without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially, the inaccurate information states that I did business with XXXX/XXXX  XXXX XXXX and not Enhanced Recovery. 

7. The above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent. 


I have attempted to dispute these accounts with both XXXX   and XXXX and the company and as of this date have not been provided any of the debt validation as request. 


In light of the above, the continued illegal tactics by the Enhanced Recovery, I am demanding within my rights, that both accounts listed above be deleted from my XXXX and XXXX Credit Reports and Enhanced Recovery refrain from attempting to collect a debt from me that does not belong to me.