ERC

2017-10-14

Crabtree Valley, NC

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

2017-10-13

NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: ERC has informed me that they are handling a collection account for XXXX. The issue is that the date this debt became delinquent was before XXXX and they are reporting it now as a XXXX debt so that it will age current and affect my credit for longer than legally required. What they are reporting is false and XXXX is required to furnish truthful information and so is ERC.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-13

Bossier City, LA

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

2017-10-13

Arsenal, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-12

CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: After receiving a discharge letter from this company since this was a result of a missed appointment with a company i never signed paperwork with and refused to pay since I was under no contractual obligation to show up the company continues time and time again to place it on mt credit in hopes i will pay it. Extortion for a debt I do not owe. They are ruining peoples lives doing this. Please sanction this company from doing so.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-12

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-12

Juniper Hills, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: ERC has been credit reporting on a debt that I was not notified about. I was never sent a right to dispute letter prior to being credit reported.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-12

Phila, PA

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

2017-10-11

Chicago, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This debt collection account does not belong to me. The debt has been transferred to different lenders and also has been removed and then added right back to my credit report. This is re-aging debt which is illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-11

Pico Rivera, CA

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

2017-10-11

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: A XXXX account was opened in my name and it was not me. I want the account removed off my credit I am not paying a debt that isnt mine. I didnt give anyone permission to use my name and personal information. I have already contacted the company and they are not trying to do anything to remove this account from collections, my name, and my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-11

Atl, GA

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

2017-10-11

Columbia, SC

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

2017-10-10

IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have had something appear on my credit for {$390.00} -- it was from Enhanced Recovery and they have advised that the original credit was XXXX XXXX XXXX .. it has an opened date on my credit report of XX/XX/XXXX I have tried to call the company and explain that this was not my debt and that my service has been with another company for over 8/9 years -- they did mail me something but it was not anything with a signature or anything proving it was me.. it was like a final bill from XXXX XXXX XXXX -- I need this removed -- i also tried on XX/XX/XXXX to dispute it through XXXX and it just came back as verified correct -- but it is not.. and they refuse to provide proof of the original debt -- They did have a bill but without a signature on something it is my feeling that this could have been anyone -- and they are still reporting negatively
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-10

Clovis, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2017-10-10

Arlington, 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

2017-10-10

Emeryville, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-10

Airmont, NY

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

2017-10-09

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I requested to have the debt validated, documents were provided but some of the documents were modified, some of the documents are showing due dates of XX/XX/XXXXwhere others are showingXX/XX/XXXX I called the original creditor at XXXX and spoke with XXXX in XXXX XXXX who informed that the debt had been charged off. From my understanding if a debt has been charged off it is not collectable by a collection agency.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-09

Rochdale, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: I sent a debt validation letter to Erc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, its been 40 days since they received my letter & I have not received a response in reguards to my validation request. I want this debt deleted from my credit reports as a final resolution due to noncompliance
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-08

Chester, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: ERC debt collections company continues to report to all 3 credit bureau 's as my account in collections and/or derogatory after me speaking with them numerous times, explaining the debt was paid & full. I requested a written letter numerous times & for the incorrect reporting to be taken off my credit reports, I was promised over & over again it would be corrected and not show negatively on my reports. I have repeated asked the 3 credit bureau 's to correct the mistake. This is causing me to be denied credit cards, rentals, and increased interest rates, which is very unfair when I am current with all payments and not in collections.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2017-10-08

NY

Incorrect information on your report

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

Account information incorrect
Complaint: This is an old account that had aged off my credit report and now shows as new debt that is delinquent. Company bought this account and is trying to collect by fraudulently dating it as new debt. Please remove this from my credit report or correct the true age of this debt. They have dated it as XXXX/XXXX/XXXX and assigned date of XXXX/XXXX/XXXX. Never had any credit with ERC on those dates. Actual debt was with XXXX from over 6 years ago.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-08

Omaha, NE

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XXXX/XXXX/XXXX I sent the company two letters demanding validation of the debts they are attempting to collect. The accounts are reflecting poorly on my credit report but I am not familiar with the original creditors, the balances being demanded, or the account opening dates. The company has failed to respond to my attempts to verify the debts but are still reporting the unverified information on my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-08

NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: After reviewing my credit report I have discovered an inaccurate listing included on my file that I never knew about and did not sign any contract for. This company which I hold no contract with nor have received serviced from, reported a amount of {$1400.00} with XXXX, XXXX and XXXX credit reporting agencies. This has been on my credit report since XXXX and I have not been contacted to resolve this debt. I do not and should not have a signed contract with ERC or XXXX. I have never done business with either company. I am not reliable for collection from this debt from ERC or XXXX. After reviewing my report I sent debt validation letters to ERC requesting the original signed contract stating that I have or had an account with XXXX. This communication was sent XX/XX/XXXX. The FCRA requires you to verify the validity within 30 days. I have disputed this collection account with all three credit bureaus and ERC has not provided any information, contract or adequate proof. that I actually signed proving this account to belong to me. These disputes were sent to the credit bureaus on XX/XX/XXXX and ERC has failed to provide the necessary information and have only reported to the credit bureaus that my account was being reinvestigated. Validation that I actually signed a contract has yet to be received. As the accounts are under reinvestigation over the past two years it has affected me from getting credit to build my credit. If the validity can not be verified, they are obligated to remove this collection. I have never signed a contract with ERC or XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-10-07

Shulerville, SC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX XXXX XXXX reported to my credit report XX/XX/XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XX/XX/XXXX with the amount of {$540.00} being owed. None of the information XXXX XXXX XXXX is reporting is accurate, along with the fact that I was never notified.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response