ERC

2017-09-02

Nyc, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Please see attached dispute letter. Also, this account was previously deleted with XXXX XXXX Account Number XXXX ; XXXX XXXX, Account Number XXXX ; and XXXX XXXX XXXX XXXX Account Number XXXX. I am not sure why the account keeps getting resold when it was legally deleted from my credit report for violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Everyone I have disputed it with as deleted it because they have failed to provide proper validation and verification.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-01

SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I recently pulled my Credit Report from all three of the credit reporting agencies ( XXXX XXXX XXXX XXXX ) a have noticed a collection from ERC that was placed on my report on X/XX/2017. It states that they are collecting for a XXXX account in the amount of {$1200.00}. I have never had an account with XXXX and I also have never had anything with ERC either. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt and false debt that ERC placed on my report. I filed a compliant with the Better Business Bureau and ERC sent an email to email address that was on the compliant asking me to enter personal information to see the message. I did not. They also sent in the mail what looks to be an old phone bill with my personal information on it. They have yet to provide me with a signed contract with my signature. They are asking me to fill out a fraud form with XXXX. I will not do anything with this company because they have yet to provide me the documents that say i owe this debt. This account has been disputed and ERC refuses to remove from my credit reports. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must delete.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-09-01

Los Angeles, 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

2017-09-01

Phoenix, AZ

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

2017-08-31

Coconut Creek, FL

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

2017-08-31

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

2017-08-31

New Iberia, LA

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

2017-08-30

Coral Gables, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX XXXX ACCOUNT # : XXXX. Company of XXXX. XXXX XXXX XXXX XXXX, FL XXXX. Phone : XXXX XXXX My name is XXXX XXXX XXXX XXXX. In the past I had the service with XXXX, XXXX years of contract which I finished but I still had the service out of contract, after a few months I called a XXXX agent to offer HD on my television and several times insisted with the offer while, I reiterated that I did not want any more contracts, that it was okay, I remember that I told her that my television looked perfect and I did not want the HD, she insisted, because I remember well that it was a woman and I told her that I did not want anything, She wanted contracts and she answered that it was free, that it was not a contract, to which she replied : If you want to give that service free, it 's fine, but I do not want contracts. This whole conversation was in XXXX. From there I continued with the service until I went to see the offer of XXXX, which by the way was unsurpassed by any company, included high speed Internet with television, including 3 months with free PPV channels, XXXX, XXXX, XXXX, XXXX. All this for a price of {$44.00} including taxes without a contract for XXXX year. After deciding on this option I called XXXX to disconnect the service and I learned that I had been awarded a contract, which I did not do at any time, nor gave such consent verbal or written, and I can only think that whoever awarded me the contract Contract made fraud to win the commission of that contract. The XXXX Costumer Service informed me that for breaking a contract that I never had to pay 200 and some dollars plus the amount of equipment, equipment that I returned and after calling to discuss the fraud told me that they had received them but that Now continue to charge you through a collection company to which XXXX, you, sold the liar and false debt. That same company has reported me to the credit bureau and in any case, although I report to XXXX to the Federal Bureau of Commerce for fraud and dishonest practices against the consumer, in the credit bureau have not been able to remove that report despite my insistence, That being said, it is my right to require directives from XXXX verbal or written evidence where you state that I gave my consent for a " HD '' contract. To send them to the growing office, or XXXX withdrew that fraud or if not, if they do not remove that fraudulent attempt to collect I will direct to file a police report against XXXX for consumer fraud or I will go in person to any other Office of the State of Florida or XXXX XXXX County to file a complaint. It is a lack of respect that they award fraudulent contracts to consumers and I demand that all indications of connection with XXXX and myself are deleted absolutely.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-30

Cleveland, OH

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

2017-08-30

Bronx, 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

2017-08-30

Salem, OR

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

2017-08-30

Euclid, OH

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

2017-08-30

Elk Grove, 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

2017-08-30

AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company ( ERC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-29

Hickory Hill, TN

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

2017-08-29

Carol City, 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

2017-08-29

Fort Pierce, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this, I contacted XXXX/XXXX XXXX XXXX XXXX who investigated the same and verified that the contract employee had fraudulently signed the previously mentioned agreements in my name. XXXX XXXX XXXX XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services in a timely manner and yet I am still being billed for services that I did not agree to receiving. Collection efforts are now being instituted against me by ERC located at XXXX XXXX XXXX, XXXX, FL XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was very familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she would be willing to verify this fact in writing if need be.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-28

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: as i obtained a copy of my credit i notice accounts that was n't mine. I reached out to XXXX to dispute the accounts. later to find out that XXXX sold the account to two different collection agencies ( which both is reporting to my credit for the same thing one is just {$1.00} more ). I disputed the accounts with XXXX XXXX and Enhanced Recovery Corp ( which is the two companies ) but it has not been removed from my file. This has been going on for months and the credit bureau has yet to correct my file.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-08-27

Middletown, CT

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

2017-08-27

Manhattan, NY

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

2017-08-25

Tulsa, OK

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

2017-08-25

Houston, 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

Timely Response

2017-08-25

Houston, TX

Written notification about debt

Debt collection: Credit card 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

2017-08-24

Chicago, IL

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

2017-08-24

Sun, AZ

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