Enhanced Recovery Company, LLC Debt Collection Complaint

Enhanced Recovery Company, LLC Debt collection department,

Other (phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Virginia

I was contacted by this Company - - concerning a - $ debt from -. I called the company and asked them what was the statue of limitations of this debt and followed up with a mailed correspondence letter The exact same day dated -/-/- ( attached ) I requested them to validate the debt and that I wish to deal with the original creditor Informing them that I have disputed this debt in writing within - days of receipt of their dunning notice, and they must obtain verification of the debt or a copy of the judgment against me and mail these items to me at their expense in which they never did .On - - They reported this negative debt information from - on my Credit report, and never followed up with me with any of the information my correspondence letter requested. On -/-/- I spoke to two representatives - - and - - And I was told that they report all debt regardless if the statue of limitations has pass and their required to report based on the date they acquire the debt. They also said that they will now 4 months later send me the information


as an unpaid recent collection. this is what i wrote to them. Dear Enhanced Recovery Company , LLC, I am writing in response to your letter dated -/-/-, ( copy enclosed ) because I do not owe what you say I owe. This is the - I 've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the - period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt and the date the alleged debt occurred ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in the state of Virginia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, you can not add interest or fees except those allowedyou do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. should you pursue a judgment without validating this debt,