Enhanced Recovery Company, LLC

[marqedsade]

Sent my DV letter today and got (cause I overnighted, with CMRRR) the "received" response. Decided to also file a complaint with the Florida Office of Financial Regulation at the same time. One thing that I was surprised by (might be Fla law only) was this option for a "prohibited practice" in the state of Florida:

 

The company fails to send

me written notice of the debt

[559.72(6)]

 

Does anyone know for sure that, in Florida, CAs are bound to send an alleged debtor a written notice of the debt?

Edited March 14, 2014 by marqedsade

[loops77]

I only briefly looked at the site, but I don't think Florida is like Texas when it comes to this stuff. However, for some reason, that office sees it as an offense that has been going on for too long.

 

Has Recovery done anything else to you?

 

I'm still waiting on a response to my DV letter from them. Not sure if I should wait 30 days for a response or go ahead and file the complaint.

Edited March 14, 2014 by loops77

[marqedsade]

They've reported a collection on all 3 CRAs, without any notification to me. It's within SOL, but, a minimal amount, so IF they were to sue and win (doubtful), it wouldn't be a big deal. I just want this deleted before I get SP by any of my creditors, so, I sent DV and filed complaint on the same day. We'll see what happens.

[dockworker]

Enhanced Recovery folds pretty easy. Usually a simple DV works. YMMV.

[marqedsade]

Enhanced Recovery folds pretty easy. Usually a simple DV works. YMMV.

 

+1

[loops77]

Update: Checked Experian backdoor and Enhanced Recovery is off of my report!! I did NOT expect it to be that easy. I was waiting for a piece of mail from them today..nothing came. Decided to check my report before filing a complaint with the FOFR.... and they took it off! I used WhyChat's DV. His stuff is gold.

 

Of course, they will probably sell it a year or so down the line. They have a history of doing this. Maybe I can pay Sprint directly now and avoid that from happening?

[marqedsade]

Loops, how long ago did it first show on your reports?

[loops77]

Loops, how long ago did it first show on your reports?

 

It was placed in collections early last year, so it is within SOL.

[marqedsade]

Just pulled MPM, and it's reporting on TU and EQ, but GONE from Ex

 

Loops, how long ago did it first show on your reports?

 

It was placed in collections early last year, so it is within SOL.

 

 

Yes, but, when did you first see it reported, and how long till it was deleted?

[loops77]

Just pulled MPM, and it's reporting on TU and EQ, but GONE from Ex

 

Loops, how long ago did it first show on your reports?

 

It was placed in collections early last year, so it is within SOL.

 

 

Yes, but, when did you first see it reported, and how long till it was deleted?

 

Well, I never bothered to check all of my reports until last month when I mailed out for hard copies. That is when I first saw them on there. BUT they have been on there for about a year. They got the dispute letter on the 11th and it fell off this morning.

[marqedsade]

Ok, cool. Just checked Ex BD as well, and yes, it's gone from mine as well.

[ultra2207]

ERC popped up on my reports about ten days ago. I daily pull so I noticed it the day it happened. I'm in the middle of a mortgage approval fwiw. I sent out a DV cmrrr priority mail the same day it popped up on my reports. Yesterday it dropped of experian and I'm sure the others will follow suit soon. I haven't heard from ERC yet. Seems like an easy deletion so far. I've read that they will send proper validation but will also state they are deleting the account from the CRA's. Odd.

 

 

sent via tapatalk

[SeriouslyGordz]

Enhanced Recovery. Dispute and consider it gone.

Enhanced Recovery. Dispute and consider it gone.

[loops77]

Still no mail from Enhanced recovery...although they are off all reports now.

 

HOWEVER, I noticed a soft from Convergent on my Experian today. Have they already sold the account? What can I do now? Just wait for the dunning notice?

[loops77]

ERC popped up on my reports about ten days ago. I daily pull so I noticed it the day it happened. I'm in the middle of a mortgage approval fwiw. I sent out a DV cmrrr priority mail the same day it popped up on my reports. Yesterday it dropped of experian and I'm sure the others will follow suit soon. I haven't heard from ERC yet. Seems like an easy deletion so far. I've read that they will send proper validation but will also state they are deleting the account from the CRA's. Odd.

 

 

sent via tapatalk

 

Check to see if you have any softs on Experian from Convergent. It may pop up again soon.

[ultra2207]

 

ERC popped up on my reports about ten days ago. I daily pull so I noticed it the day it happened. I'm in the middle of a mortgage approval fwiw. I sent out a DV cmrrr priority mail the same day it popped up on my reports. Yesterday it dropped of experian and I'm sure the others will follow suit soon. I haven't heard from ERC yet. Seems like an easy deletion so far. I've read that they will send proper validation but will also state they are deleting the account from the CRA's. Odd.

 

 

sent via tapatalk

Check to see if you have any softs on Experian from Convergent. It may pop up again soon.

Alrighty, will do. Thank you.

 

 

sent via tapatalk

[marqedsade]

Ok. Gone from TU as of today. I'll be backdooring EX based off of what I've seen here.

[dockworker]

I never received a response from ERC after I DV'd it. It was well beyond the 30 from when it was reported and they likely sent me a letter, so in my case I don't think they are obligated to respond at all.

[funky1]

Enhanced Recovery folds pretty easy. Usually a simple DV works. YMMV.

 

 

This was my experience as well.