ERC

2017-01-28

Jupiter, FL

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Complaint: As a concerned Consumer, I recently pulled my credit report and was in total shock to find that ERC has placed an alleged debt on my profile. ERC has communicated false claims and information with the credit reporting agencies without my knowledge. I have not done any business with ERC and would have never authorized ERC to place derogatory information on my credit report to intentionally hurt, harm and cause damage against me as Creditor/Consumer. This action has also caused me to be denied credit extension harming my chances in the pursuit of happiness for me and my family.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-27

Fremont, CA

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

Disputed: No Timely Response

2017-01-27

Rayford, TX

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

Disputed: No Timely Response

2017-01-27

Peachtree City, GA

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: Creditor : XXXX XXXX Account closed and XXXX loaned signal boosters returned to them on THEIR prepaid XXXX shipping labels. Several calls to XXXX with the " XXXX Proof of Delivery '' acknowledged. A month later, started receiving letters from a collection agency. I replied to letter requesting that they send me proof that they are the " creditor in due course. '' I did provide them with the " XXXX Proof of Delivery '' info. As of XX/XX/2017, no reply. Called XXXX again, provided the return " XXXX Proof of Delivery. '' I was told my case would be turned over to their Executive Response Team and I would hear back from them in a few days. What I got back was a letter masked to look like a collection agency attempting to collect a debt but is really from, I believe, XXXX Executive Response Team. I would like from XXXX XXXX : 1. A letter admitting their error. 2. No further contact from any outside collection agencies or XXXX XXXX internal collection department " attempting to collect a debt! '' 3. In the event this appears on my credit report they ( XXXX XXXX ) will immediately remove it. Thank you for your assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-27

Newnan, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: There was an account that was opened in the amount of {$400.00} and I am being asked to pay an amount on a contract that was closed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-27

Discovery Bay, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: when i cancelled my XXXX services i returned all the equipment paid over {$200.00} to get out the contract. The person that helped me made it clear my account was at {$0.00} and closed. Months later i get a collection for {$86.00} that i do not owe. I told my friend the story and the exact thing happened to him with XXXX. This is not how you treat customers.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-26

Hampton, GA

Disclosure verification of debt

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

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

Disputed: No Timely Response

2017-01-26

Hainesville, IL

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

Disputed: No Timely Response

2017-01-26

Phila, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-26

Calumet Park, IL

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

Disputed: Yes Timely Response

2017-01-26

Chicago, IL

Disclosure verification of debt

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

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

Disputed: No Timely Response

2017-01-26

Azalea Park, FL

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-26

Milwaukee, WI

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I was/ am a XXXX customer and have been for a long time. Prior to XXXX XXXX I was on a single person plan with XXXX. Then in XXXX XXXX I closed this plan and opened a new plan with my girlfriend, also with XXXX and have been since. In the change from my old plan to my new plan I supposedly owed {$48.00}, of which no one from XXXX told me or gave me a bill or called me. I assumed therefore that the account was closed completely and I did n't owe anything. Apparently, that was a mistake. Instead on XXXX XXXX, XXXX, 2 and a half years later they sent this to a collection agency called Enhanced Recovery, phone number XXXX. And did Enhanced Recovery do anything, send me a letter, call me, email me? No, instead, they waited until XXXX XXXX and without any contact, without any notification, they reported this to the credit bureaus knocking my XXXX XXXX from XXXX to XXXX. When I found out, I called the Enhanced Recovery and spoke with the manager, XXXX XXXX at XXXX and told him that no one ever contacted me or let me know I owed this money. I stated I have no problem paying the {$48.00} but I want it removed from my credit report. XXXX was ambivalent even seemed to taunt me saying they only update credit reports, they do n't remove anything. I know for a fact they have that ability. I found out the history of my XXXX account from a call with XXXX customer service Manager XXXX XXXX at XXXX XXXX XXXX XXXX and she told me that the amount had been transferred and when.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: Yes Timely Response

2017-01-25

Hawthorne, CA

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

Disputed: No Timely Response

2017-01-25

KY

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: I had a XXXX account and it was turned over for collections back in XX/XX/XXXX. I returned the equipment to them in XX/XX/XXXX due to finding them in storage because they were loaded on the moving truck with other stuff. XXXX turned me over to collection company called XXXX and I seen this on my credit report. I filed a dispute on this and explained to them that this had been resolved in XX/XX/XXXX. They removed this from by credit report in XX/XX/XXXX. The amount was {$1000.00}. On XX/XX/XXXX it reported back on my credit report again. I disputed it once again and now it is under a company called Enhanced Recovery Company. I called them and told them to remove this and she said no I cant do that you owe the debt. Explained to her that this was disputed in XX/XX/XXXX and once again XXXX has turned it over to another collection company after it being removed in XX/XX/XXXX because I did not owe the amount. They are falsely reporting account to a collection company and I would like something done about it. I called XXXX and they said they would have to look into the credit and they can not have the account pulled from this new collection company Enhanced Recovery Company. I want something done about this at once or I will be contacting an attorney and the FDCPA will be reviewed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-25

Allen, TX

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-25

Margate, FL

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

Disputed: No Timely Response

2017-01-25

Elsmere, DE

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

Disputed: No Timely Response

2017-01-24

Edgewood, FL

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-24

Atl, GA

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

Disputed: No Timely Response

2017-01-24

Ralston Corner, VT

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

Disputed: No Timely Response

2017-01-24

TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Old business cell phone bill for a business I was a limited liability partner in. Debt collector did not contact me in any manner prior to listing the debt on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-24

PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I had XXXX lines I cancelled XXXX line ( main ) then kept the second due to I would get charged early cancellation fee. However the main line was and had control of the second line thus I could n't change/pay or control my account. So I had no choice but to go to another company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-24

Moapa, NV

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-01-24

Pinellas Park, FL

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