Enhanced Recovery Company Failed to Name Current Creditor, FDCPA Complaint Alleges

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A Rockland County, New York resident claims in a proposed class action that a collection notice she received from defendant Enhanced Recovery Company, LLC (ERC) unlawfully failed to identify her current creditor. According to the complaint, the notice in question merely stated “Creditor: Barclays Bank Delaware” without indicating whether “Creditor” refers to the original creditor or—if the account was sold off and bought—the current creditor. The case, citing potential Fair Debt Collection Practices Act (FDCPA) violations, says the notice defined the original creditor as “Barclays Rewards,” which the plaintiff argues is neither a bank nor a lender of money.