Hello I found an open collection account listed on a recent Credit Report which i obtained using XXXX and XXXX XXXX. I attempted to research the company, Enhanced Recovery ( ERC ) using XXXX. I found that this company does not have a website, which raised my eyebrows about the legitimacy of this collection. I called the original creditor ( XXXX XXXX XXXX ) to find out more. XXXX XXXX has NO RECORD of my name or social security number in their system. They told me to try to find a number for the Collection agency so I called the number on my report. The person who spoke with me did not inform me that I could dispute this debt, that I had any right what so ever to challenge the facts of the debt. I asked for him to send me a letter to verify the facts of the debt. They ended up sending me a " summary of the payment agreement. '' I can assure you I did not agree to pay them anything, especially when I had no information about why they had this debt and did not share with me my rights. Then they somehow assumed I had agreed to pay them in full without those words ever coming from my mouth. 
I Believe this is deceptive and illegal and furthermore, an immoral practice, especially coming from a company that is doing its best to hide their identity by not having a website or any contact information readily available to the public. 
