ERC

2019-07-30

Ehrhardt, SC

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Received a debt collection notice on XX/XX/XXXX from a company called ERC portending to represent XXXX XXXX on behalf of XXXX XXXX. They are asking me to pay {$54.00} USD to settle a past due debt of which I have no knowledge. Reviewing my XXXX account shows I am up to date and do not owe any past due funds. Searching on XXXX shows this same scam occurred back in XX/XX/XXXX and when consumers disputed the bogus debt statements, they found that XXXX XXXX owed them money. There was also a class action lawsuit and XXXX XXXX was forced to admit a software error produced the inaccurate debt notices.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-30

Bendale, SC

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

2019-07-30

Oxford, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX and Enhanced Recovery agency. There is a collection on my account that is not mine. I do not live at the address the service was provided and I have not given my ss # or signed a contract for the service they claim I owe. I did apply a security freeze on my account last year when this happened same company XXXX XXXX different collection agency. They need to proof this is my account. I have never had XXXX XXXX. I pay my bills on time and this appeard again like I said under a different collection company. I put a fraud alert on account. I am requesting the company send me proof to my current address of 20 years. I have not recieved anything in the mail. This is simply fraud and I want it removed immediately. The address the XXXX XXXX was put in was a childhood home. I have not lived there in over 30 years. I disputed with XXXX last year they removed for lack of proof it has appeared again under different collection company and XXXX has said the company showed it was mine. I would like to see the proof.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-30

Ladson, SC

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

2019-07-30

Reynolds Station, KY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XX/XX/2019 I received a collection notice from ERC. The notice states that I owe XXXX for services from XXXX XXXX ( XXXX ). I didn't understand how this was possible because we have automated bill pay and have for years. We never received a late statement or anything from XXXX and we still to this day have services from XXXX. I called XXXX and a representative and a supervisor both looked at my account and said I didn't have any outstanding balance at all. They even looked back 5 plus years. I have excellent credit and I will not have this reflect negatively on my credit rating. If it should I will take legal steps to get this resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-30

Katy, TX

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

2019-07-30

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-30

San Leandro, 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

2019-07-29

FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Balance : {$1200.00} On XX/XX/2019, I notified Enhanced Recovery company in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. Enhanced recovery Company refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Enhanced Recovery Company under the Dodd-Frank Act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-29

Fargo, ND

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Soon after I turned XXXX, probably about 5 years ago I went to XXXX and I signed up for a Prepaid phone plan. The plan was not under contract and it was able to be cancelled at any time. I stopped using that phone and I went to another carrier due to the awful service I had been receiving.I have now located a debt collection on my credit report for $XXXX from XXXX. I have NEVER gotten any communication from XXXX telling me I owe this bill, and I have never been given a chance to pay the bill before it was sent to collections and I had no knowledge I even had a bill from them since this was a prepaid account. I have also never gotten any communication from the agency it is with now.I’m extremely concerned that I am being held responsible for this without being given a chance to pay the bill. I would never let a $XXXX bill go to collections and damage my credit report but since I wasn’t given a chance, that is exactly what happened. I need proof that I owe this bill, an explanation as to why this was not communicated to me, as well as an agreement to remove it off my credit report before I pay for it.This is very disorganized and unprofessional.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-29

Cold Sprgs Hi, KY

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 non-monetary relief

Timely Response

2019-07-28

Milwaukee, WI

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-07-28

San Antonio, TX

Credit monitoring or identity theft protection services

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

Didn't receive services that were advertised
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-27

Fort Smith, AR

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

2019-07-26

Dayton, 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

2019-07-26

Lyndora, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XXXX of XXXX my family and I decided to transfer 4 XXXX wireless cell phone lines over to XXXX as part of their " We'll cut your cell phone bill in half '' campaign. I was skeptical at first, and asked the salesman a lot of questions about their service, how quickly the conversion takes place when they switch your phone numbers over to XXXX phones, etc. He promised a smooth transition. However, 3 weeks later, we still had 2 phones that didn't work properly, my sons texts were going to my wife 's phone and visa versa, and so I had to spend the better part of each day for 3 weeks calling their service number, and having to re-explain the situation all over again from scratch, as they kept no computer records of the previous days interactions, and nobody knew how to fix the problem of getting our phones to work properly. After 3 weeks of XXXX, I took the new phones into the branch and returned them and asked them to cancel our service, as they we're never able to provide the services they promised to us. The salesman was very apologetic and said we would get us a full refund, and I believed the case was closed. 3 years later, in XXXX of XXXX, I get a collections letter in the mail. I immediately disputed this charge, and have gone through the painstaking steps of disputing this 3 times, and still no solution. This is a bogus debt, and now I am trying to build a house and this on my credit record is preventing us from getting it approved, not to mention financial damages in the form of mortgage insurance increases and a higher interest rate. I want this removed from my credit. I don't see how these phone companies can get away with this. It seems like anyone can ruin a persons credit with bogus claims. I think this is unacceptable. Thank you. Please see supporting documentation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-26

Simi Valley, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent a certified letter on XX/XX/2019 to Enhanced Recovery Company ( ERC ) addressed to XXXX XXXX requesting validation ; The following items in my initial validation letter were as followed ; - Agreement with your client that grants you the authority to collect on this alleged debt. - Copy of the original contract/application that bears the original wet signature of the alleged debtor wherein he/she agreed to pay the creditor. - Date this alleged debt became payable. - Date of original charge off or delinquency. - Verification that this debt was assigned or sold to collectors ERC - Complete accounting of alleged debt. I then received a response to my validation letter on XX/XX/2019 from ERC, stating the following ; " Please find the enclosed documentation as it relates to the account '' only to find all they provided was partial bills from the original creditor. All of which was not enough to validate the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-26

Ellison Bay, WI

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

2019-07-25

Neotsu, OR

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am writing to file a complaint about XXXX. I am preparing to buy a house. On XX/XX/2019, my lender ran a credit report and found a fraudulent charge. Enhanced Recovery Collection claimed I had an outstanding bill to XXXX of {$5500.00} that was sent to the collection agency. I have never used XXXX. I disputed it, thinking it would be simple for them to investigate and close, considering I have never used the service. On XX/XX/2019, I received a message from XXXX saying that the charge is accurate. I don't know how to prove that it isn't, considering I have no knowledge of this account, I've never used XXXX, and the charge is not mine. I very much need this fraudulent charge removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-25

Irving, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-07-25

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ERC XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-25

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

Timely Response

2019-07-24

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received response from debt collector. I believe that Fair credit act states if a alleged debtor ( XXXX ) realizes it made a mistake and took debt off one credit report, then it should be taken off all. ERC fails to accept that info, and doesnt admit this really is not something they should have contacted me about as I explained that to them and they were well within the ability to research this with the info I supplied. I explained I would not give them my SS number as I was hacked last year and will not divulge. And I also explained I never lived at a NJ address which was also disputed.The clerk in the legal dept that answered my complaint failed to address this and failed to accept responsibility that that was all that was needed to research this claim and to contact XXXX to verify. This collection was placed on my report without any verification and this collector failed to verify and validate as they sent me a collection letter. It should not be my burden to try to get this off my report and try to correct this as Ive been trying to do, this already was addressed last year with XXXX as I explained to clerk and XXXX removed it from XXXX. Therefore it should also have been removed from the other reports as I explained to ERC. They could have verified this info easily and instead refuse to accept this and accept responsibility for their collection efforts which were blatantly unverified that this debt was owed or even mine, I feel it was harassment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-24

Washington, DC

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2019-07-23

Columbia, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This company is saying that I have a debt with them. I did not approve of anything related to this collection & would like to dispute it. It is saying that this was created in XX/XX/2016, all of this is incorrect and should not be apart of my credit history.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response