ERC

2016-07-19

Spavinaw, OK

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-19

Atl, GA

Disclosure verification of debt

Debt collection: I do not know

Not disclosed as an attempt to collect
Complaint: ERC added a collection to my credit report without a verification letter in XXXX XXXX. They did the same thing in XXXX. I mailed them a letter to verify the debt so I could research it. Instead of sending me information about the debt, they removed it from my credit report. I have asked them for verification of the debt again and they have not provided anything. I believe it to be fraud!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-19

Lafayette Hl, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: The debt has been addressed, discussed, settled and disputed with client and XXXX other collection agencies. It is agreed that debt should no longer be collected for reasons stated previously. Dispute of Reference No. XXXX | Client Acct # XXXX Enhanced Recovery Company, XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-07-19

Forrest City, AR

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: This company sent my account into collections. I contacted thr collections company and paid the balance in full for the amount owed. I never moved or changed services. I never obtained any other accounts with this company. A couple weeks later I received a Bill for {$30.00}. I called XXXX to inquire about the bill. They told me that lt was for a return check charge. I let them know that when I paid them the money owed it was with a card and not a check and it cleared. They told me they see a note that credited the {$30.00} back to my account. They told me My account was closed and I do n't owe any other balance. Today I received a call, stating I owed the entire balance again of XXXX. A different creditor. I again called XXXX to inquire, they stated they dont know what got mixed up but I no longer owe anything for this account. Debt collectors stated they just received the account Today, and that they ca n't delete it until I pay. XXXX says I do n't owe the debt, yet they are n't helping me to resolve the debt in collections nor are they able to verify the debt or pull up the account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-18

Kendall, 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 with non-monetary relief

Disputed: No Timely Response

2016-07-18

Middleburg, FL

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 with non-monetary relief

Disputed: No Timely Response

2016-07-18

Baton Rouge, LA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I shared an account with a XXXX who is a friend of mine on a cable/internet account with XXXX. I left the residence and the account remained open for mea friend. After he closed it, they apparently did n't receive their equipment back so they issues a collection in my name since my roommate moved back to XXXX and is unreachable. I have been trying to pay it as basically a nuisance fee because it 's impacting my credit score. I am currently trying to buy a house in my community but my loan is impacted by this issue. I spent more than an hour and half on the phone with them today being transferred more than 5 times. Most recently I have not even had a customer service representative on the phone for at least half an hour. I want to pay the debt, though I want a guarantee that they 'll issue a correction and a letter of deletion but I ca n't even get someone on the phone. I find it incredible that they can impact my credit score and thus my ability to take out a loan but wo n't answer a call to accept payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-16

Jersey City, NJ

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: Yes Timely Response

2016-07-16

Temple, TX

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

2016-07-16

Ft Lauderdale, FL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In attempts to clear my credit I requested assistance to the CFPB and completed and forwarded XXXX fraud packet as requested to XXXX the original creditor as well as the police report and too date, I have had no response or communication from the original creditor or its collection agent and its still being reported by XXXX ; XXXX and XXXX credit bureaus. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-15

Dallas, TX

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

2016-07-15

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: XXXX : I am XXXX and have been with a prepaid phone for 4 years now. I was on a month to month plan when I was offered a replacement phone due to multiple problems with my service. The replacement phone was returned within the trial period however a new contract was created and never cancelled as promised when the new handset was returned. I was informed the billing would run a couple cycles before it reset and canceled. However in 2 cycles I was informed that the contract had been violatedcancellation period ) and I was now responsible to buy my way out of it. A contract is made to pay off/down a handsets value but the handset was returned and the contract was n't cancelled as promised.To avoid the hassle of a contract I opted for a prepaid service right away ( XXXX using XXXX Phone number and XXXX using XXXX XXXX in XX/XX/XXXX ) This account still shows up on my credit.I have contacted the vendor and also the collection company who refuse to see that I am not responsible for this debt. I currently have a free state phone and continue to prepay for s service intermittently ( 4years on XX/XX/XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-14

Centerville Branch, 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 with non-monetary relief

Disputed: No Timely Response

2016-07-14

N Highlands, CA

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

2016-07-14

Cheyenne Wells, CO

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 with non-monetary relief

Disputed: No Timely Response

2016-07-14

Tarzana, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have been repeatedly contacted by ERC. Every time that I have spoken to ERC, I have verified with them that the debt is not mine, the information that they have in their files is incorrect and the social security number that they have is not mine. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. In XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. I have been repeatedly disputing the ERC Collections account. This is not my accounts. I have spoken to XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. In fact, The information that ERC has is inaccurate, the social security number used is not mine and ERC has confirmed it is not my social security. However, that being said, ERC reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted ERC on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them that the social security number they have for this debt is not mine. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by ERC that they would be removing it from their files, which they never did. After speaking to ERC on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2016-07-13

Baltimore, MD

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-13

Randolph, AL

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

2016-07-13

Boloxi, MS

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

2016-07-13

Lewisville, TX

False statements or representation

Debt collection: Payday loan

Indicated committed crime not paying
Complaint: An agent contracted me XXXX said that In would be puckered up from my job and taken to jail its i did not pay the amount. In ful ny a certain date.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2016-07-12

Johns Creek, GA

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

2016-07-12

Eastmont, WA

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

2016-07-12

Laurel, MD

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

2016-07-12

San Jose, CA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I have been with sprint for over 10 years and been very satisfied with their service. till recently after I pulled up my credit report and noticed a collection account from a company called ERC trying to collect for an unpaid XXXX account. I have disputed this account with the credit bureaus and as well as with ERC. and as of this date no respond from ERC. I had sent to them my police report as well as my identity theft report still no respond.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-07-12

Bremen, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have sent many disputes to the Credit Agencies and to Enhanced Recovery in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Enhanced Recovery verified that this account is accurate. But it is ironic how Enhanced Recovery will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Enhanced Recovery. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response