ERC

2017-04-25

NC

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: I wrote all XXXX credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing. XXXX wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me. Meanwhile XXXX wrote me and removed the error. XXXX and XXXX have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done! Please help!!
Company Response: Closed with explanation

Timely Response

2017-04-25

Irmo, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: contacted collection agency advised that I never had an account and the didnt do anything. also disputed with XXXX with no results. this account is not mine. asked for validation that I opened the account. XXXX and XXXX has the incorrect birth year for me and I believe this belongs to someone else.
Company Response: Closed with explanation

Timely Response

2017-04-25

TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: There is a collection on my credit report coming from Enhanced Recovery Group in regards to a XXXX account that I have no knowledge of. They are also not able to produce a contract for the supposed debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-24

MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I would like to file a complaint against ERC. I received a letter in the mail on XXXX XXXX XXXX from ERC alleging that I had an balance of {$870.00} with XXXX that remains unpaid and therefore my account has been placed with ERC for collection efforts. I was offered 3 different settlement options to settle the debt, unless I dispute the validity of the debt or any portion within 30 days after receipt of the notice or else the debt will be assumed to be valid by them ( ERC ) . I sent a validation of debt request letter XXXX XXXX XXXX by certified mail and the expected date of delivery was XXXX XXXX XXXX within the 30 days of receiving their letter. By law they have 30 days to respond with validation. Today is XXXX XXXX XXXX pass the 30 days I still have no validation as promised and they are still reporting this derogatory mark on my credit as of XXXX XXXX XXXX I have now sent ERC a Sworn Affidavit of Denial by certified mail scheduled to be delivered today XXXX XXXX XXXX also ; but if ERC offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found this is suppose to be Violation of the Fair Debt Collection Practices Act and Defamation of Character. I have had my identity stolen before so that 's why I 'm seeking validation which by law I have a right and by law ERC has a right to provide accurate proof which they have failed to do. Please beware that there are times that the debt is also used as a tax loss by the original creditor in this case ( XXXX ). That means the debt can not be collected at a later time as the collector would then obtain UNJUST ENRICHMENT. If, the debt can not be verified and validated by the debt collector ( ERC ) and the collector ( ERC ) continues collection activity I may have grounds to sue under the FDCP. When collection agencies are buying debt as an investment . Well that is what that little thing called Unjust Enrichment means and can be used in the court of law, if I ever needed to take it that far. An example o f Unjust Enrichment i s when a collection agency like ( ERC ) b uys a {$10000.00} debt for {$200.00} dollars, then conspires to reap benefits by denying consumers validation of debt request in a scheme to artificially inflate the balance due by adding penalties and interest of up to 200 or 300 percent. How can they be entitled to anything over the {$200.00} dollars they spent? How can ( ERC XXXX be entitled to {$870.00} when they more than likely purchased the debt for a lot less maybe even pennies on the dollar. This is a bad business practice, that 's why I need verification and validation. It was an investment to them and they rely on the consumers ignorance, financial distress and lack of legal representation to secure a judgment. The Fair Debt Collection Practices Act supports my right to demand a validation and verification of debt, documentary proof that I owe exactly what is claimed. The Act places this right in such high regard that the collector is prohibited from taking any collection action until the validation and verification is provided which it was n't. So If they do not, I can sue for a violation. To prove this is my debt in the letter I sent said can ( ERC ) please provide ALL of the following : Agreement with your client allegedly ( XXXX ) that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein ( I ) XXXX XXXX agreed to pay the creditor. Any insurance claims that have been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. ERC claim CAN NOT and WILL NOT be considered if ANY portion of the above is NOT COMPLETED and returned with copies of ALL requested documents above. I am not saying this is my debt or denying this is my debt I just want verification and validation. According to Michigan law, your creditor has up to 6 years ( f rom the date of your last payment ) to collect on a debt, including obtaining a judgment on the debt. So if this alleged debt is past 6 years from the last payment with the original creditor and if ALL of the following documents above ca n't be provided proving this debt is valid I would like all collection efforts to cease and desist and this account to be REMOVED from their ( ERC ) system IMMEDIATELY ; and a submitted deletion requests to the appropriate reporting agencies ( national cre dit bureaus ) s o this derogatory mark is removed from my credit report and something in writing sent to me that the deletion has been made.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-24

Cordova, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a collection notice from ERC dated XXXX XXXX XXXX for a XXXX account that is not mine. The collection notice is from XXXX account number XXXX . I mailed ERC a debt validation on XXXX XXXX requesting for them to tell me what I owe the bill for, how they calculated what I owe, to send me copies of any documentation that stated I agreed to pay what they say I owe, to give me copies containing my signature, their XXXX license number, and to cease all contact with me until they sent me the above documentation. I disputed the validity of this debt and still have not received any information from ERC regarding this account. ERC also contacted me on XXXX XXXX after they received my letter stating for them to not contact me. According to FCRA 1692g ( b ) If the consumer notified the debt collector in writing within the 30 day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ERC has not done this. ERC has violated the FCRA by not validating the debt as well as attempting to contact me by phone after receipt of my letter stating for them to cease contact unless provided with the information stated above.
Company Response: Closed with explanation

Timely Response

2017-04-24

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2017-04-24

KY

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: This company does not have a contract with me. This is not a valid debt. NO CONTRACT. This is a violation of HIPAA as well as the Fair Credit Reporting Act. After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Enhanced Recovery Corp. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) t o protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt an d HIPAA author ization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. XXXX XXXX XXXX XXXX needs to send this information to me for review, accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Dates : XX/XX/2016 amount {$720.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-04-24

South Point, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-04-24

Cedar Mill, OR

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-04-21

Wonder Lake, IL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I previously disputed this debt with XXXX XXXX on XXXX XXXX via certified letter to the Credit Bureau and XXXX XXXX . I received the letters from XXXX and XXXX that this debt was DELETED! Now ERC which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2017-04-21

Great Neck, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I was contacted by a debt collector for XXXX , and they refused to give me an address, nor would they send me a letter, they wanted my bank information by phone and I refused.I had not heard from them until recently, because a new company now owns the debt and it has been placed on my credit report. The debt is approximate ly 6 years old. Th e bill must have been going to my old address ... and I was never contacted by phone until it was sent to collections.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-21

Norfolk, VA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-20

Forrest City, AR

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-04-20

MO

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: I purchased UNDER XXXX XXXX WRITTEN CONTRACT ... a NEW PHONE ... & with a BUNDLING package deal ... .aka ... XXXX / XXXX XXXX COMBINED CONTRACT! WHEN XXXX CHECKED MY PAST HISTORY, an outstanding account showed up ... ..UNDER A FALSE NAME OF XXXX XXXX ... NOT ME! XXXX CHARGED ME A {$350.00} DEPOSIT UNTIL XXXX XXXX DID A IDENITY INVESTIGATION .. . 3-4 da ys later, XXXX CONTACTED ME & stated that IDENITY was proven inaccurate & they LIFTED THE TEMPORARY HOLD ... . XXXX XXXX WOULD BE OUT TO INSTALL UNDER CONTRACTUAL BUNDLING PUTCHASED & THAT I WOULD RECIEVE MY {$350.00} back in 72 hours!!!!! THIS HAS NEVER HAPPENED ... .WHEN I DIDNT RECIEVE MY DEPOSIT BACK & XXXX XXXX BILLED ME ... .with NOTHING RVER RECEIVED FROM MY XXXX CONTRACT!!!! I contacted Store manager, Corporate Headquarters, spoke numerous times to XXXX & XXXX . Got to the point of contacting XXXX XXXX Legal Dept, requesting Arbitration!!!! I was told by XXXX AT THIS POINT TO RETURN ALL EQUIPMENT, which I did!!! They turned me over to XXXX XXXX for non-receipt of equipment!!! AFTER CALLING & sending them my return tracking # .... The dispute was removed from my credit reporting agencies ... ..Investigated & settled! Now in the midst of refinancing my home, a new charge from XXXX XXXX -ENHANCED RECOVERY COLLECTIONS TURNS ME OVER AGAIN FOR {$480.00} for BREAKING MY CONTRACT " Early Termination '' FEE!!!!! I called Enchanced RECOVERY ... & Again disputed XXXX XXXX . I was not given a reference # from them, explained that XXXX FAILRD TO BUNDLE, I did not order XXXX XXXX TO INSTALL, that XXXX DID AFYER LIFT IFF MY IDENITY ISSU E IN 2015! I CONTINUE TO CALL XXXX " Originator '' & have Gotten numourous apologies, BUT IT HAS NEVER BEEN CORRECTED!!!!! I have been mis-lead, harassed by collection agencies upon my credit reporting agencies, BUT HAVE NEVER BEEN CONTACTED BY XXXX OR XXXX BY MAIL THAT THIS WAS HAPPENING!!!!! This is pure fraud! I have not received my {$350.00} deposit back, never BUNDLED, NEVER GOT CONTRACTED BUNDLING PACKAGE & have been through XXXX XXXX legal!!!!! This is against the law! I just called XXXX XXXX AGAIN ... They tell me they ca n't tell me anything because I Do not have a reference # from Enhanced Recovery. I again try to contact Enhanced Recovery & they tell me it 's been sent back to XXXX SINCE ORIGINAL DIDPUTE WAS SETTLED & Released after filing dispute with prior collection agency & after investigating, Was closed & deleted???????? They would not give me any additional info!!!! Therefore, XXXX TELLS ME I CANT PROCEED WITH MY CLAIM AGAINST THEM " Originator of Bundling Contract '' Without # of reference from Enhanced Recovery!!!!! What in the heck am I supposed to do to get my deposit back from XXXX XXXX that was supposed to be released in 2015 & How the heck can XXXX GET AWAY WITH THIS!!! M y credit score has dropped, myI am XXXX XXXX XXXX , I have made numerous trips to Corp XXXX stores & numerous phone calls!!!!!! XXXX HAS NOT TAKEN RESPONSIBILITY FOR " FAILURE TO HONOR ORIGINAL BUNDLE AGREEMENT ". I have suffered FINANCIALLY, emotionally & physically!!! I am under Medical care & their error ... .which they ADMIT!!!!! .., continues ON!!!!! Please, help This mis-leading, null & voided contract, my {$350.00} to be refunded & once & for all, XXXX aka XXXX STOP THIS!!!! I did not authorize Installation of XXXX XXXX WITHOUT RECEIVING HOLD LIFTED ... Identoty fraud ... .as well as hand writing thin on XXXX XXXX 's INSTALLERS PAPERWORK!!!!!!! They ar e RESPONSIBLE!!!! !!! Please, before civil action under FCDPA, HELP THEM TO CLEAR MY ACCOUNT UP IN FULL & maybe save another VICTIM TO THEIR BLAME GAME BUNDLING CONTRACT!! Thank you & I so appreciate & look forward to your response.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-04-20

Rocky Ridge, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-04-20

Albuquerque, NM

Communication tactics

Debt collection: I do not know

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

Disputed: No Timely Response

2017-04-20

Saint Paul, MN

Incorrect information on credit report

Credit reporting:

Account status
Complaint: Date of Opening Account requested, plan of service, history of plan to prove this account should be removed ENHANCED RECOVERY CORP Balance {$25.00} Original Creditor : XXXX High Balance XXXX XXXX , XXXX Opened Date XXXX XXXX , XXXX Last Reported Individual Account. Remove from my report Immediately
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with non-monetary relief

Disputed: No Timely Response

2017-04-20

Grand Prairie, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-20

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-04-20

NM

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: ERC ( debt collection company ) claims to have an account from XXXX XXXX XXXX to collect {$30.00} owed. I have been receiv ing notices for about a year now and call XXXX XXXX XXXX every time. We have never owed them and XXXX XXXX XXXX continuously advises me we owe nothing, this is a known scam to them and to ignore the debt collection company. The debt collection company has been notified every time they call and they refuse to stop sending mail and calling.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-20

Desoto, TX

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2017-04-19

Savannah, GA

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Complaint: Apparently, XXXX XXXX XXXX XXXX sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections company, XXXX . Now, both are appearing on my credit report and XXXX is mis-representing the date the account was open. The open date should have been XXXX / XXXX / XXXX but they are claiming it was open in XXXX . They are also reporting that I missed a payment in XXXX . I have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-19

AL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: This collection is for an early termination fee for cell phone service from XXXX XXXX . First of all I have successfully disputed this debt several times and it was removed from my credit report. Then the Debt collector sold the Debt to another Debt c ollection agency and it appears back on my credit report. The dates of the erroneous debt was falsified prior to being sold to the next Collection agency to make it appear as a recent and valid dated outstanding debt. This is actually a very old account and that in itself should warrant its removal. As to the original early termination fee charged by XXXX XXXX . 1 ) I was a long standing customer of XXXX XXXX and was never late with a Paymen t 2 ) S ince had the service for a very long time I was no longer under contract with XXXX XXXX therefore an early termination fee would not app ly. 3 ) I contacted XXXX XXXX in writing 30 days prior to terminating the service. I do not owe this money and I will never pay this invalid bill because I do not owe it. But it has taken up a huge amount of my time responding to the false charge. Please assist me in its removal. This negatively impact me in several ways. If this charge had appeared when I recently refinanced my house it would have resulted in a higher interest rate which would have affected me financially for years. This is a predatory collection. I understand its their business. But I have to work for my money and Im not giving it away for free. That would equate to letting them steal from me. That 's not happening. Thanks for your help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-18

CA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: This company continues to call my mothers home repeatedly, a third party, although they have been informed I do not reside there and was asked to stop calling on several occasions by the third party, my mother.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response