Lawsuit: Enhanced Recovery Company Failed to Identify Creditor in Collection Letter

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Enhanced Recovery Company, LLC is the defendant in a proposed class action filed by a California consumer who claims the company furnished a collection letter that failed to clearly identify the current creditor of her alleged debt.

According to the complaint, the plaintiff received a letter from the defendant in September 2017 that referenced a “balance with Kohl’s Department Stores, Inc.” and labeled the company as the “current creditor.” The suit argues, however, that Kohl’s “is not an issuer of credit and cannot be the current creditor to whom the debt is owed,” and that the letter did not properly convey that the obligation – incurred on a Kohl’s-branded credit card – was actually owed to Capital One. As such, the case continues, the plaintiff was “unable to ascertain to whom the alleged debt was owed.”