ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 102
2017-12-12
Quartzsite, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Company is reporting as a new account for an outdated debt. Collection Company is reporting as derogatory. Company states it is for XXXX. They have marked my debt as 1 year 11 months. I have not had XXXX in over three years and have been a loyal XXXX customer.
I mailed the company to let them know of the error. Rather than contact me or work together to figure this out, the company falsely added the amount past due.
Report is missing past due amount, date of last payment, monthly payment, and frequency.
Please help me get this item removed. I am contesting the time and the vast lack of information, as mentioned above.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-12
Stockbridge, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-10
Georgetown, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-10
Brentwood, NC
False statements or representation
Debt collection: Other debt
Indicated you were committing crime by not paying debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-10
Killeen, TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-10
Liverpool, TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-10
WI
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: I filed on this with my credit agency almost a year ago and it was removed because it was proven not be mine. The creditor was XXXX in the dollar amount XXXX and it What XXXX did was change the dollar amount and resold this debt to another collection agency which is Enhanced recovery LLC in the amount of XXXX. They ca n't do re sell a debt after it 's been removed from your credit report. XXXX could not verify infomration or it was 7 years up already and removed, not sure which one but I know the debt did not belong to me. I have screenshots to proveit was already removed on XXXX XXXX and before that XXXX without the inc listed it to try once again and removed XXXX, all screenshots provided.
Good thing I keep snapshots of everything. I check my reports regualary also.
attachments included shows it was removed in XXXX twice because it was not mine and anothe screenshot showing they just relisted it again with anothe creditor
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-09
Houston, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: I used to have XXXX. I returned the equipment but was told the charge was from not returning the equipment. I have requested a verification numerous times and have been harassed by repeated phone calls. Please advise.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-09
Thompsons Station, TN
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: According to Tennessee state licensure verification, Enhanced Recovery is not licensed to collect in the state of Tennessee. I have requested verification to collect a debt in the state of Tennessee. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XX/XX/XXXX. This is also a debt that states it is from XX/XX/XXXX. The amount of the debt is {$740.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-09
Jupiter, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me ENHANCED RECOVERY CO L XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-09
Van Nuys, CA
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: ERC and XXXX are apparently collecting a debt from me and it is negatively affecting my report. I have n't been contacted by XXXX or ERC and I do not believe I actually owe a debt. I have paid XXXX for every service ever offered to me. I have been with XXXX for over 5 years now. Why does XXXX and ERC believe I owe them money. I have XXXX in my account ... why would I not pay an {$87.00} fee. DOES N'T MAKE SENSE. I could pay this but for some reason this report is false.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-09
Naperville, IL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-08
FL
False statements or representation
Debt collection: Other debt
Impersonated attorney, law enforcement, or government official
Complaint: This debt collector is not licensed in my state ( Florida ) therefore they can not collect debt from me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-08
Lake Bridgeport, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: This was for a rental modem by XXXX XXXX XXXX. When leaving the landlords we called XXXX XXXX XXXX and worked it out to transfer the rental modem onto his account so he could continue Internet use there at his rental. XXXX XXXX XXXX helped us do this. Then a month later XXXX XXXX XXXX called asking for us to return the modem or we would be billed. I explained that we transferred the modem over to landlords account to keep services at the property. XXXX XXXX XXXX looked into it and said that it was ok no issue now. Over a year later XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX shows up on my credit report dropping my score over 40 points with a claim for XXXX XXXX XXXX for {$110.00} saying we never returned the modem. They are tanking my credit score and need to be held accountable for their error.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-08
New Hamburg, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-08
Val Verde, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Out of the blue my credit report shows i owe for an account I have never had. I later received a letter from XXXX cell phone. I have never had an XXXX account. I disputed this dept and have not received or heard from the collection company at any time, prior to or after seeing the item on my credit report. When disputed through the credit bureau they claim the debt is mine but did not provide any details. I have still not heard from the collection agency on the matter of the billing .This is not my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-08
North Las Vegas, NV
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-07
OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-07
Santa Ana, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I currently have an account with XXXX that I have had for more than XXXX years. This line was the result of fraud reported many times to the carrier and ERC and ignored. They continue to harass me during work hours even after I sent them the copy of the fraud affidavit. How can I owe for a debt that is not mine and why are these people allowed to threaten and insult me daily.? I have requested orginal signatures from the account and have nothing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-07
Charlotte, NC
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: 1. ) This company is not licensed to collect in my state ( NC ) 2. ) they never reached out to me regarding this debt so i was not given a fair chance to contest the validity of the debt before they reported this to my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-07
Belleville, MI
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-07
Antioch, TN
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-06
Decatur, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-06
Fort Lauderdale, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: XXXX XXXX 2013 ( 3 yrs, 11 mos ) Original Creditor Name : XXXX I called ENHANCED RECOVERY COMPAN to remove that false report on my account. I have been now with XXXX for 4 years, and never owe them a penny. And Enhanced Recovery never got back to me. I sent them letter ... They never got back to me ...
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-12-06
Forrest City, AR
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: The company is saying I owe {$1600.00} for a cellphone bill that was paid off a long time ago. In 2012 the cellphone bill was paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation