ERC

2017-09-25

Emmons, 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

2017-09-24

Patterson, MD

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
Complaint: Account was paid in full ; however, Enhanced Recovery/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-24

Rochdale, NY

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

Timely Response

2017-09-24

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I received a alert from XXXX stating I had a new collection account. The company never sent me anything to even find out if the debt was mines. On XXXX/XXXX/XXXX XXXX sold the account back to XXXX the original amount was XXXX. Now this new collection agency is reporting XXXX. It is against FRCA to change amount in order to publish on someones credit file. I do not owe this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-23

Akron, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: This is the 4th or 5th time XXXX XXXX XXXX Has hired a collection company for a debt I do not even owe. this account is over 5 years old. I am sick and tired of proving I do not owe this debt.This will be the 3rd time I have reported this so called debt to the Federal Trade/CFPB. This new collecting debt company named ERC keeps calling and calling my phone about this debt i do not owe, I received a letter in the mail today from ERC Collections. stating they want me to settle this debt. for the amount of {$140.00} and giving me options on how to pay this so called debt. My account with XXXX XXXX XXXX was closed years ago after they tried to charge me for long distance that I did not use. They could not prove the charge, and I paid my bill with XXXX XXXX XXXX and I terminated their service landline. This is an ongoing problem from a company that is trying to muscle money from me that i do not owe. This letter from ERC is dated XXXX XXXX, 2017. and it say that XXXX XXXX XXXX is the original creditor ... ..And if this debt has been placed on any of my credit reports I will fight to have them removed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-23

Key Biscayne, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 1. XXXX XXXX XXXX 2. ERC 3. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-23

Credit monitoring or identity theft protection services

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

Billing dispute for services
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-22

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2017-09-22

Leary, GA

False statements or representation

Debt collection: I do not know

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

Timely Response

2017-09-21

Crabbs Prairie, TX

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

2017-09-21

Columbia, SC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent a validation of debt letter to the company on XXXX XXXX and they received it on XXXX XXXX. Since I sent that letter I have yet to receive any of the information that I request from them that shows i owe them a debt.. I called in and asked why I have not received anything with the information that I requested and they stated that it is still in dispute mode. According to the FCRA dispute are only suppose to last 30-45 days and i have yet to receive anything from them.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-20

East Rockaway, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-09-20

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have tried resolving this matter with Enhanced Recovery Company for over a month via postal mail and have yet to receive any response. I would like this alleged debt removed immediately from all credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-20

Detroit, MI

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

2017-09-19

GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX XXXX has incorrectly placed a collections account for XXXX on my credit report. I have never had an account with XXXX go into collections. No attempt to collect a debt was made and no proof that I owe this has been presented. This is fraud as I have had no debt with this company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-19

Superstition Mtn, AZ

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: IN XXXX of XXXX I sent a letter to ERC ( Enhanced Recovery Company DBA ERC/ Enhanced Resource Centers ) requesting a validation of debt reported on my credit report. ERC responded by sending me a unofficial history of payments from an account dated XXXX. There was no payment history sent from the original debtor, XXXX, nor was there any signed original contract to render services as I had initially requested. Further the dates showing services used by XXXX were dates in XXXX when I DID NOT have XXXX as a service provider. Furthermore, the corresponding letter indicates a " link '' to a Customer Service agreement which DOES NOT show my original signature. The information I requested from this creditor was NOT sent and now I am demanding this account be removed from all three credit bureau reports. Clearly they are not able to provide the information to verify this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-19

Apple River, IL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have been receiving phone calls about 5 per day all of them have a representative that gives me their name then demands that I verify information before they will give me any information. Today XXXX2017 I had to ask the representative twice before the representative said she was from ERC an accounts receivable company but would not tell me what company she was trying to collect with. I told her to mail me info to whatever address they had on file. I refused to give my personal information to them because I do not know who this company is or what they want since they refuse to tell me why they are calling. I want the calls to stop. If I owe money I want something in writing that I can dispute but I wo n't verify anything or give any info to a company that does not identify who they are and why they are calling. ERC is harnessing me and trying to get info under false pretenses by not telling me who they are and what they want.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-18

Wesley Chapel, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: ERC Collection Creditor Phone Number XXXX XXXX XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX, FL XXXX This company has re-aged a collection account. The date opened is being reported as XX/XX/XXXX however, this account was placed for collection with the Original Creditor - XXXX - in XX/XX/XXXX. This is a clear violation of FCRA laws.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-18

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This is according to my XXXX credit report. A company named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX has placed an account on my credit report from a XXXX account that I have already disputed as not mine to begin with. In addition, they have illegally re-aged the account so that it appears as if it was opened XX/XX/XXXX The original dispute is from XX/XX/XXXX in which XXXX removed the account after discovering that I did n't have an account in the first place. I never lived nor do I know anyone that ever lived at the address where I supposedly had this service. I have an issue with XXXX and XXXX XXXX XXXX not listening and furthermore not following FCRA guidelines. I have attempted to resolve this issue with both parties and I 'm not making any progress. XXXX has continuously kept false and inaccurate information on my credit file. There are several addresses that I have not lived, inaccurate amount on some accounts, accounts that are not mine and accounts that have been re-aged. XXXX XXXX XXXX has apparently purchased an old debt that is also not mine and XXXX is not providing the correct information to the company they sold the debt to. This is RIDICULOUS and I can not afford an attorney to resolve this issue. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-15

Reading, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XXXX XXXX, 2017 I received a letter stating I owed ERC ( XXXX XXXX XXXX ) a debt of {$360.00}. The letter references XXXX XXXX which I do not have and have not had. I called the number provided by ERC ( XXXX ) and gave them the reference number and account number on the debt they mailed me. After providing them with my information and the information of the letter, several representatives were not able to find any account or debt listed under my name. The letter states that they are going to report this on my credit score if I do not respond. I 'm very upset and believe they have the wrong information because I do not have XXXX XXXX and they were not able to find my " debt '' with information THEY sent me. I believe they are fraudulent accusations.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-15

Stkn, CA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: On X/XX/2017 my phone rings and shows a number at XXXX. When the in formation shows up it showed that this is a company that I had already reported before to the Credit Bureau for just putting information on my credit report that had been removed over 4 to 5 years ago for a debt that either was not mine or had been disputed by prior credit collection companies who removed the information from the credit report. I also contacted them ( ERC ) and received conformation that the debt was removed. I am not sure how this account showed up almost five years later with ERC and just placed on my credit report with no knowledge of this account by me and with a new age date on my report. After, I informed the credit bureaus and this collection company about this they removed the information but now I have started receiving calls from this company again when I plainly sent in communication not to call me but they continue to call me from different numbers for no reason. When I sent in my communication I let them know I would like to know off the top the statute of limitation on this alleged debt and why did they just put inaccurate information on my report that was re-aged to begin with.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-15

Wallington, NJ

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I closed my account with XXXX at their store in the XXXX XXXX in XXXX New Jersey. I paid a total of {$160.00} at the counter, in order to settle any outstanding bill. XXXX then sent me a bill of about {$160.00} They placed the amount with a company called 1. Enhanced Recovery Co XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection Agencies Website 2. Enhanced Recovery Company - CLOSED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX - As you can see, they pop up and then close and then pop up again. They reported a negative mark on my credit report for {$100.00}. In my opinion they are holding my information hostage against me paying them an amount they will share with XXXX. I think this scam is disgusting as I have the receipt from the bill I paid at the counter ( repeating above ) at the XXXX store. I have my charge receipt from XXXX, and want them to stop this OUTRAGEOUS practice of collecting an " extra month '' for no reason but to line their own pockets.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-15

Aurora, CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: i am filing this complaint to report a false statement from XXXX XXXX XXXX, a collection agency from florida i just found it out when i checked my credit report from experian 3 weeks ago .At my biggest surprise i saw this debt collection of XXXX reported on XX/XX/XXXX and XX/XX/XXXX to the three credit bureau which state that i have an account that was open on XX/XX/XXXX with enhanced recovery Compan located at XXXX XXXX XXXX XXXX florida XXXX. Firstable this is a false statement, i have never opened an account or never did business with this company. but that was reported to the three credit bureau that i open that account with them since XX/XX/XXXX with XXXX and XXXX and on XX/XX/XXXX it was report to XXXX that is a lie. Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the three credit bureau. According to the Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the 3 credit bureau. but XXXX XXXX XXXX XXXX XXXX did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from immediately from my credit report I sent them a letter to prove me that they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond up to day, i am still waiting. also i ask them to sent me a complement payment history starting with the original creditor they never respond, i request immediate deletion of this account from my credit report with the three credit bureau or i will have to sue them for the amount of XXXX for violated my rights and the law
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-14

Guadalupe, AZ

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2017-09-14

Cimarron, CA

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