ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 123
2017-07-05
Lexington, KY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Reviewed my credit reort on XX/XX/XXXX. Found XXXX XXXX XXXX had listed me delinquent for 2 months, never heard from them prior. On XX/XX/XXXX at XXXX called and spoke to XXXX XXXX to ask questions about information. They wanted my current address, I told them no they had my info from credit reporting agency. Was told I had to talk to dispute resolution and got transferred. At XXXX to XXXX XXXX who immediately when told what I was inquiring about advised me I had wrong department, gave me reference number XXXX. Transferred me to XXXX XXXX ( XXXX ) who transferred me to XXXX XXXX ( XXXX ). I asked for details and was told they could not give to me and I would have to write to -ERC XXXX XXXX XXXX XXXX Fl XXXX to get information. I said I would, then XXXX said I had to give her most recent mailing address or they would not respond. I had a XXXX XXXX account several years ago, returned equipment ( shows XX/XX/XXXX returned, but I know it was before then ) and after fighting about return, they listed me as delinquent on credit history. That finally went off my credit report. Now XXXX XXXX appears showing 2 months delinquent and today is first time I spoke to them or had heard from them. They should have to supply a detailed bill of what {$570.00} entails and since no prior business contact with me, I want them removed from my credit report immediately. Is it legal for XXXX XXXX to give my personal info ; including social security number to someone I have no business contact with?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-04
Dallas, TX
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
2017-07-04
Edgewood, FL
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
2017-07-03
Austin, 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
2017-07-03
Chicago, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I DO NOT HAVE/NEVER HAD A CONTRACT WITH XXXX XXXX. I AM NOT LIABLE FOR THE COLLECTION OF THIS DEBT {$380.00} FROM XXXX XXXX. <P/>I AM NOT RESPONSIBLE FOR THIS DEBT. <P/>*PLEASE CORRECT AND DELETE FROM CREDIT REPORT* AS SOON AS POSSIBLE!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-03
Airmont, NY
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: ERC has suddenly appeared on my credit report. They have never once sent a letter or notice to me. They are unhelpful on the phone and will not verify the debt. I do not know what the matter is.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-03
Seal Beach, 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
2017-07-01
Chicago, IL
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: I just received notice from ERC on X/X/17 in regards to an alleged debt owed of {$1100.00} to XXXX. Please produce validation. This would be the 3rd time that I 've requested validation of this debt of which XXXX continues to violate FCRA regulations.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-07-01
Puyallup, WA
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
2017-07-01
FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I do not have a contract with this company therefore I am not reliable for this debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-30
Yauco, PR
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: On XX/XX/XXXX I requested my credit report and noticed I had a charge off balance of {$530.00} with XXXX XXXX. I contacted ERC which was the company who purchased this debt from XXXX XXXX and they provided me with an installment monthly repayment plan of {$210.00}. I made three payments one was made on XXXX ; the second one was on XX/XX/XXXX, and the last one was made on XX/XX/XXXX. After this, I received a letter from collection agency stating this debt was paid in full in the amount of {$620.00}. I proceded to send XXXX evidence of the payment in full for this debt and requested them to correct my credit report for this debt to be paid in full. XXXX sent me a letter indicating this account does not appear on my credit report, but it still is being reported as past due and charge off with a balance of {$530.00}. I request your assistance in this matter, since this account is adversely affecting my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-30
Douglaston, NY
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
2017-06-30
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
2017-06-29
Fort Worth, TX
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
2017-06-29
Bellflower, 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
2017-06-29
Baltimore, MD
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
2017-06-29
Fort Worth, TX
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
2017-06-29
New Port Richey, FL
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
2017-06-28
Oxford, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I checked my credit report and discovered this inaccurate derogatory remark on my credit report. I have submitted disputes requesting proof of contract within 30 days. I did not sign any contracts with this company. This company has not provided any proof of contract as per requested on the dispute within 30 days. I wish to have this remark removed off of all 3 credit bureau reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-28
Carson, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-28
Havana, 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
2017-06-28
Shalimar, FL
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Enhanced Recovery company failed to notify me in writing wit hin 5 bu siness days of reinserting a deleted collection account that once belonged to XXXX XXXX XXXX in XXXX 2017 . Not only did they break the law in failing to notify me, they reaged the account and changed the amount " owed '' on this collection account that I disputed and was deleted from my credit report. I have no knowledge of this account, please delete this inaccurate information from my CREDIT report it is making it extremely difficult for me to obtain credit. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-28
Chicago, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: In XX/XX/XXXX I paid in full {$390.00}, a collection to Enhanced Recovery Company ( ERC ). It was only in collection for a very short time but it was paid in full. ERC has this collection listed on my credit report as paid, but for less than full amount. This is completely incorrect. I paid this account in full. I sent two letters to ERC asking them to validate and change/delete the erroneous information. One on XX/XX/XXXX and the other on XX/XX/XXXX. I have not received any kind of response from them. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-06-27
Atl, GA
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
2017-06-26
Dallas, TX
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