ERC

2016-03-31

Kingstree, SC

False statements or representation

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

Attempted to collect wrong amount
Complaint: I have XXXX debts with Enhanced Recovery Corporation. XXXX debt was with XXXX that was ended in the year XXXX but ERC is reporting that it was open in XXXX/XXXX/XXXX. They will not provide me proof that this debt is mine and that the information is correct even though I told them the information they have is wrong. they also have been reporting a debt for {$180.00} that when I called and asked for validation for this debt they could not find the file. This is beyond unprofessional and i 'm requesting a full deletion of these reports on my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-30

Fisher Island, 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 with non-monetary relief

Disputed: No Timely Response

2016-03-30

Buffalo, NY

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 with non-monetary relief

Disputed: No Timely Response

2016-03-30

Avon, CT

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

2016-03-30

FL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This debt is so old it is way past the statute of limitations. I have not had a XXXX phone for more than 5 years and ERC is trying to collect on the debt. I have no other records of last payment bu I know it was more than 5 years.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-29

Lk Buena Vis, FL

Disclosure verification of debt

Debt collection: Non-federal student loan

Not disclosed as an attempt to collect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-28

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

2016-03-28

Lewisville, TX

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-28

Eldorado, WI

False statements or representation

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

Attempted to collect wrong amount
Complaint: In XX/XX/XXXX I ported my cellular telephone numbers to XXXX from XXXX. After I ported my numbers over my account should have been closed as I have done this in the past and my accounts had been closed. XXXX did not close my account, they continued billing me for additional months of service before I realized they did not close my account until I received a bill showing a very high amount owed. I called XXXX and disputed that I had an active account, and explained to customer service that when I transferred my phone numbers to XXXX my account with XXXX was supposed to be cancelled and I was supposed to receive I final bill which would have been for about a week of phone service. The customer service reps would not help and told me I had to call them to cancel service, which seems fraudulent. I tried to dispute the amount and asked XXXX to adjust the bill to properly reflect when my account was cancelled. They refused and said I had to pay for additional months of service when I did not have phone service. I then requested that a manager contact me so I could discuss with the manager further, the manager never contacted me. Instead they sent it to a collection agency that I believe was named XXXX. I disputed this debt with XXXX and explained the reasoning. As of XX/XX/XXXX I received a collection letter from a different collection agency named ERC, address of XXXX, FL XXXX The new agency did not review my past dispute of the debt to correct the issues, It is believed XXXX did not review my dispute and instead sent the debt which is not valid to another collection agency. The reference Number that ERC gives me for the debt is XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-28

Sanders, KY

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: Yes Timely Response

2016-03-28

NC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Upon applying for a home loan, a credit inquiry was pulled from the credit bureaus. A debt amount of {$390.00} was reported by Enhanced Recovery Company as non-payment on a XXXX phone account. I disputed the debit as not belonging to me. I received a letter on XXXX XXXX, 2016 from ERC stating that they were going to have the debt removed from all bureaus. It was then removed from the credit reports on XXXX XXXX, 2016. It appeared to be resolved. The loan company then required that we all participate in a call where XXXX, myself, and ERC are all connected and ERC verbally confirms to XXXX that the debt has been resolved. On that call, ERC says that the debt is still owed and that they sent no such letter etc. This has caused the loan company to hold off on the loan until there is resolution. This is not my debt which ERC has acknowledged in writing. They are falsely trying to collect the {$390.00} knowing and acknowledging in writing that this is not my debt. Essentially, they believe that I am in between a rock and a hard place and can be forced to pay the debt or risk losing the house.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-28

Dunnellon, 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

2016-03-26

Occoquan, VA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Never give info on what they want and keep call harassing my family
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-26

Keytesville, MO

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This debt is from XXXX XXXX and does not belong to me. This debt has previously been deleted from my credit report from another collection agency due to not being my debt. My dissolution of marriage ( MO case number XXXX ) states that my ex wife is now responsible for this debt and not me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-25

Covington, 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

2016-03-25

Franklin D Roosevelt, NY

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

2016-03-25

Jonesboro, 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

2016-03-25

Hidden Valley, CA

Communication tactics

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

Called after sent written cease of comm
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-24

Edina, MN

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

2016-03-24

Saint Paul, MN

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

2016-03-24

Columbus, OH

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 non-monetary relief

Disputed: Yes Timely Response

2016-03-24

Carmel, CA

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

2016-03-24

Brentwood, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-24

Nashville, TN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2016-03-24

Long Beach, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: To Whom It May Concern, I 've never had an XXXX account in my life but yet a debt of {$73.00} appears on my credit report, so in turn I am sending this letter to you in response to what appeared on my credit report from your company. Be advised, 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 office 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 verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said 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 in bringing 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 are able to provide the proper documentation as requested, 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. This includes any information to 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. If your offices fail 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 file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to 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. 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

Disputed: No Timely Response