ERC

2017-10-25

WI

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

Timely Response

2017-10-25

Fort Worth, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-25

Glendale, CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was told that when i switched phone carriers ( from XXXX to XXXX XXXX that I would be able to do this without paying the cancellation charge because XXXX assured me that they would pay it. I told them that i ca n't and wo n't switch unless they are able to pay the cancellation charge from XXXX. Months after i switched accounts XXXX was trying to collect XXXX which i told them XXXX would pay. XXXX told me that i was n't eligible for them to pay now months after they assured me that they would pay it. This caused a XXXX collection on my report and was extremely deceitful to get me to sign up. I do n't know what to do but i am preparing to take legal action against both. Thanks for your consideration in looking into this practice by these companies
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-24

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I 've always had perfect credit. I went to get a loan on a truck and discovered that I had a derogatory account on my credit that brought my XXXX XXXX way down. I checked it, and it was a collections agency Enhanced Recovery Company reporting a debt for XXXX XXXX XXXX XXXX for XXXX from XXXX. I have had a XXXX home phone and a XXXX cell phone for over XXXX years. In fact, I have never had XXXX XXXX XXXX. I tried disputing it through the credit reporting agency and got nowhere. I called the collections agency and they want a copy of my license, credit report, and SS #, which frankly I am not comfortable giving them under the circumstances.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-24

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In 2016 I resolved a debt that XXXX sent to collections in error. XXXX then contacted ERC regarding this debt so it could be discharged. ERC was made aware of this debt and instead of removing this debt they sold it to another collection company. After several written communications to all three credit bureaus this debt was removed by all 3 credit agencies and the new collection company. Since that time ERC has again falsely reported this debt on my credit report. This company is in violation of Federal Guidelines and I demand that this debt I do not owe be removed, Also ERC can not claim that I owe a debt that they themselves sold to another company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-24

Library, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a letter at my current address requesting debt repayment in the amount of {$330.00} from ERC. I ignored it initially thinking that it was a scam until I seen it more than once and checked my credit report to see that it was indeed on there. I sent a certified letter to ERC on XXXX XXXX, 2017 requesting verification of this account. Not my surprise I, the debt was not verified. Instead, I received a printout on XXXX XXXX, 2017 with the amount requested but, with a XXXX logo. I mailed another certified letter to ERC on XXXX XXXX, 2017, requesting verification of this account once again. I included a copy of all original documents and requested for more details than some printout. On XXXX XXXX, 2017, I received the same exact system generated cover letter again and this time it was two invoice printouts. The first printout was the same as last requesting {$330.00} and then the other was for {$770.00}. Instead of spending {$7.00} to send another certified letter requesting verification, I 've decided to move forward with assistance. Thus far, I 've recently complained to the XXXX XXXX XXXX and CFPB. I do n't have anymore patience for this company and their lack of regard to the damage that this company is imposing on my life and without any verification. We all know how important credit is these days. At minimum, this company should be able to provide substantial detail about the accounts that are placed on consumer credit reports. This is totally unacceptable.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-24

Rex, 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

Timely Response

2017-10-23

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received my annual credit report from the bureaus. I found this collection agency, that have never spoken to me last week. They have a derogatory mark on my report. Saying I owe XXXX dollars. First of all, this is from XXXX XXXX. From XXXX XXXX. I had XXXX XXXX back in Texas when I lived there XXXX years ago, I returned my equipment back then and have never been contacted about anything with them. I now retrieved my credit report about a week ago and this appears on my record. This account does not belong to me. I have XXXX as my service provider for the last XXXX years.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-22

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I opened up an account with XXXX XXXX cell service for service for my son and myself. I had the account for approximately 2 months when I got a phone call from the company stating that they had lost their roaming partners in the area I was working in. The company restricted my phone service in that area and told me that they needed to cancel my contract and that I needed to turn my phones back in. I followed these instructions, turning phones in to the store in XXXX, XXXX. Now the company is saying that I owe them XXXX for services and equipment which is false, they made harassing phone calls and false accusations and then placed this false record on my credit report. I am not sure how to fix this problem but it is an unfair practice since they cancelled my account I should not be held liable for any contractual fees. Thank you, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-22

Palos Park, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XXXX XXXX, XXXX I spoke with a agent at XXXX XXXX XXXX regarding a bill that was on my credit report. I told the agent that the XXXX bill in the amount of {$820.00} was done fraudulently and that I did not authorize anyone to use my name or social security number. I did ask the agent if she had a signed contract from XXXX on file and she stated that she did not. After going back and forth with the agent she agreed that she could not verify the account was mine. So she stated that she would send a deletion letter to each credit bureau. The account was deleted from my credit reports however 15 days later I received a letter stating that I had to contact the company back via phone or mail within 30 days asking for verification and if not they would replace the same XXXX account back unto my credit report. When I spoke with the agent on XXXX/XXXX/XXXX she stated that she could not indeed verify the account was mine and then days later they are sending out more letters asking me to ask them to verify the account again. If they could not indeed verify the account the first time, why would I send a letter or call them again for the exact same thing. I am contacting the CFPB because I do not want this account placed back unto my credit and I am having a hard time with this company and its unprofessionalism. The entire time I was on the phone with the agent I could hear others in the background laughing and at one point I heard very vulgar music playing. I 've attached a copy of the recent police report that was filed in regards to the XXXX Account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-21

Worcester, MA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Hello, I had an account with XXXX back in XXXX. I failed to pay. Now 6 years later, ERC has been harassing me with calls at all times. And now i have a collections on My credit report that was never there ALL these years. The lady is rude and continues to say im sure you have been working and can pay this Off already, aggressively. And talking really XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-20

Coconut Grove, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-20

Bedford, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information is incorrect
Complaint: I just recieved a alert from XXXX XXXX stated a new line of cresit opening today XXXX ... .I did NOT open a line of credit with anyone. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I have no phone number to get in touch with them please help. thx! XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-20

Booth, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-19

Bremen, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Enhanced Recovery Corporation reported new collection account to all 3 credit bureaus with a date of XXXX XXXX 2017 for an XXXX XXXX Account. No one from this company attempted to contact me prior to filing the collection account on my credit report to provide me with notice of the debt or to provide me with an opportunity to dispute the debt. 1 ) Correspondence requesting verification of debt previously forwarded to XXXX XXXX XXXX. 2 ) Collection account has been reported as new collection on XXXX XXXX 2017, reporting this as a new collection account which is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-19

Jupiter, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: I phoned XXXX XXXX because the agency is reporting a charge off of {$73.00} that it is also being reported in duplicate by Enhanced Recovery. The representative with XXXX instructed me to call enhanced recovery, when I called enhanced recovery they denied that they were continuing to report it. I believe that this account is being reported in duplicate and that the agency is in advertently reporting it and that the account is too old to be continually reported. Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account XXXX XXXX XXXX ERC XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 5 Years, 1 Months Credit Limit Not Reported Highest Balance {$73.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-19

Fort Pierce, FL

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: I just pulled my credit report XX/XX/XXXX when I noticed a derogatory mark opened on XX/XX/XXXX. I was XXXX at this time and was just released from XXXX on XX/XX/XXXX. I have no knowledge of this collection.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-19

Dallas, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-19

Murphy, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-19

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

Timely Response

2017-10-19

Phila, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-10-18

Los Angeles, CA

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

Timely Response

2017-10-16

Rowlett, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-14

MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Within the past month ERC has reported an XXXX XXXX XXXX bill to the bureaus, which has in turn been added as a collection account to my credit files. I do not have an XXXX XXXX XXXX account nor do I have an account nor contract with ERC. When ERC sent notice of such alledged debt I requested debt validation. They could not provide appropriate debt validation showing how I owe them for said debt, nor by producing any contract bearing my signature binding me to said debt. A bill from XXXX XXXX XXXX with my name on it does not fit requirements outlined by laws and regulations established via the FCRA. The alledged debt does not belong to me. This debt has previously been disputed and successfully removed from my report and reinserted by ERC who can not validate the debt as outlined by regulations of the FCRA. ERC must immediately cease and desist all collection activities and request removal of the non validated debt from my credit file with each Bureau they has falsely reported it to in order to prevent litagation to the highest extent possible!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-14

Houston, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 2. Failed to provide copy of the original contact bearing my signature. This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response