suspicious attempt

Dispute it with the credit reporting agency on whose report it is showing. They show you how on their websites. This Enhanced Recovery seems to be very bad, rude, and harassing so if they are not bugging you then it is best not to rock the boat too much.

are u saying I should not send DV letter to Enhanced r c? I already have another minor collection with EX which I have been trying to validate for 7 months. the CA ignores me and EX simply refuses to delete it. no idea what to do next.thx

If they refuse to validate then you may need to take them to court, since they are reporting an account they have no proof exists.

how do i take them to court, pls advise. i am already there with anbother CA which ignores me for 7 months.

Yes, I am, for the reason I have already mentioned.

As far as the CRAs (credit reporting agencies), even Fair Isaac is suing them!
"http://www.insidearm.com/go/arm-news/fair-isaac-files-lawsuit-against-equifax-experian-transunion-and-vantagescore"

Here is a class action against Experian for continuing to report non-verified debt as valid:
Class Action lawsuit against EXPERIAN.

And, wait until you see how many lawsuits have been filed against Equifax in Federal Court. 763! :shock: Lawsuits against Experian - 969! :shock: Lawsuits against TransUnion - 842! :shock: Of course, many of them have other collectors as main defendant, and Equifax is added as an accomplice in harming people's lives and/or reputations by their arrogance and greed, by violating the FCRA, but still the point is made.

As far as suing them. Get all your data and documentation together with as much evidence as you can of fiscal wrongdoing. FCRA violations, like FDCPA, carry a civil penalty that may include cash, damages, court costs, and attorney fees. So if you have solid documentation you should have no problem finding an attorney who will take the case with no pocket costs to you (pro bono).

should i sent them intent to sue letter before i start anything else?

Good idea, hopefully they'll clean their glasses and say "ah! so the mark *is* false and should be removed! we're so sorry!"...

I *hope* you sent all those DVs via Certified Mail return Receipt Requested so you have documented evidence that they received it. Plus, a log of *any* (all of them, preferably) calls after they received the FIRST DV letter.

File complaints with the state Attorney General and the FTC.

For that letter, here is my Blog post Creditors Gone Wild which has the relevant FCRA statutes that the CRAs must abide by.

Give them 30 days to remove it and send you a notice on how they have adjusted your report (hopefully they do and that should be the end of it). If not, the FCRA penalty is $100 to $1000 per violation, plus possible attorney costs and court fees (section 616 Civil liability for willful noncompliance [15USC??1681n(a)(1)(A)]) which is often confused for the penalty of $2500 which is actually for actions that are taken by the FTC (Section 621 Administrative Enforcement [15USC??1681s(a)(2)(A)]).