ERC

2017-05-09

Ellenwood, GA

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

2017-05-09

Brentwood, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I recently checked my credit report and discovered that this company reported that I owe them a debt and to my knowledge I have never done business with this company and nor have they provided me with goods or services
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-05-09

NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: In XXXX XXXX , I went to a Third Party XXXX XXXX for an upgrade on my XXXX phones. The next day I cancelled my plan with this dealer and went to The XXXX XXXX in XXXX , NY. What I discovered throughout the months of having my new service is that I was still paying for the lease in the first phone from the Authorized dealer. I brought this to XXXX XXXX XXXX XXXX attention and they said they would look into it. It was a few months of getting no where with them. Finally, somebody from there resolutions Depart stepped in and credit my account. Two weeks later the charge was back on my bill. I was so frustrated, I just cancelled my service in XXXX XXXX and went with another carrier. I wrote to the collection agency and never received a response. I have ALL receipts and paper work from this transaction. Please advise.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2017-05-09

Olathe, KS

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

2017-05-09

Garland, 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

Timely Response

2017-05-09

Banning, CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-05-09

E Laurinburg, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-05-08

Bronx, NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Furnished negative and un-verfied reports to my credit profile without consent.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-08

Cloverleaf, TX

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-05-07

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-05-07

Stewart, AL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On XXXX XXXX I did a pay to delete letter with ERC they cashed the check but the deal to cash the check was to delete from all credit bureaus since the debt was n't mine. They cashed the check and did n't uphold they end of the bargain
Company Response: Closed with explanation

Timely Response

2017-05-07

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This was an account that was opened in my name by my son without my knowledge. Please remove this item off of my credit report immediately before i pursue further action.
Company Response: Closed with explanation

Timely Response

2017-05-07

Newnan, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I never received a dunning letter from ERC. The only notification was when ERC reported the collection on my credit report and I received the alert via the credit monitoring program I am enrolled in. I sent a certified debt validation letter XXXX . ( attached ) ERC reponded XXXX , almost one month and 15 days later and did not validate the debt accord ingly . ( Letter attached )
Company Response: Closed with explanation

Timely Response

2017-05-06

Blue Springs, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-05-05

Gardena, 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

2017-05-05

Hamburg, MN

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Re : Account # XXXX To Whom I t May Concer n : This letter is regarding account # which you claim my account was charged off {$870.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. P lease note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX , XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the F air Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., th is Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Company Response: Closed with explanation

Timely Response

2017-05-05

Hamburg, MN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Re : Acct # XXXX To Whom It May Conc ern : This letter is regarding account # XXXX which you claim my account was charged off {$500.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) so me contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) fr om your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collectio n : Other ( i.e. phone, health club, etc. ) - [ ] Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Company Response: Closed with explanation

Timely Response

2017-05-05

Hamburg, MN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: - [ ] Re : Acct # XXXX To Whom I t May Concern: XXXX This letter is regarding account # XXXX which you claim my account was charged off {$1300.00} This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) s ome contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX XXXX from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself. For the purpos es of 15 USC 1692 et s eq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response , I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Consent to pub lish the description of what happened? Consent pr ovided This is abou t a ( n ) Debt collection : Other ( i.e. phone, health club, et c. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong a mount DESIRED RESOLUTION
Company Response: Closed with explanation

Timely Response

2017-05-05

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but whomever the person was still open things in my name and I did n't find out until later . At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
Company Response: Closed with explanation

Timely Response

2017-05-05

Blaine, WA

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

2017-05-05

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

2017-05-04

MD

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: A while back, I was thinking about switching from XXXX XXXX to XXXX XXXX . I ordered the XXXX XXXX package but sent it back withi n 3 day s and told them why I sent it back ( I could n't set it up and XXXX would not send a technician out to set it up ). XXXX even represented that I had every option to cancel within 3 days. That 's exactly what I did. I sent them repeated notes telling them that I owe them nothing because they did n't provide any service and I canceled in time. Since then, XXXX has hired 1 debt co llection agency after another, and each time I tell the debt collector that this is a complete fraud. Yet, they persist. As of XXXX 2017, this is th e 3rd debt collection agency attempting to assist XXXX in trying to rip me off.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-04

Dallas, 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

2017-05-04

Scottsdale, AZ

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX has not sent me any information regarding this debt. It was sent to Enhanced Recovery Collections with a balance that is not correct. The balance is over {$300.00} and this is not the correct balance that was left off when leaving XXXX . I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( secti on 1692g ). Arizon a State regulations require all debt collectors to send specific written documentation verifying the debt. Please provide : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt amount and I do not owe any money to this creditor referenced of termination fee. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting inf ormation that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-05-04

San Antonio, 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