ERC

2015-10-28

Seneca, SC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Collection agency in Florida continues to harass my home by calling and leaving no message although I have called them and asked to be removed from phone base and informed them person they are attempting to reach ( XXXX XXXX ) has never lived here and is unknown to me! There are numerous complaints an line regarding these creatures and nothing seems to be done regarding the problem.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-10-28

Asheville, NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have had repetitive phone calls ( a recorded message ) telling me that this is a debt collector and to call XXXX and give them this # : XXXX. I typically hang up but have grown tired of the calls so I called the number. There were XXXX recorded options : Press XXXX to pay the debt, Press XXXX for a 'settled in full ' letter, Press XXXX for wrong #, Press XXXX to speak to an agent. I pressed XXXX and asked the agent ( with an XXXX accent ) why I was being called as I have NO debt. He said he would check my info and shortly we were cut off. The company says it is XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-10-27

Sherman Oaks, CA

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

2015-10-27

Medford, OR

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-10-27

Herndon, VA

Communication tactics

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

Frequent or repeated calls
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-10-27

Bronx, NY

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: Yes Timely Response

2015-10-26

Watkins, CO

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I had a collection from XXXX, I disputed it and XXXX found that I was correct, this was identity theft. since then I 've had XXXX companies try to collect the same debt, every 3-4 months I have to redispute with a diff company to have removed. this is dropping my score and interring with my life.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-10-26

Burlingame, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Calling my residence on a debt that I do not owe. Harrassing
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-10-26

Las Cruces, NM

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

2015-10-24

Bremen, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: XX/XX/XXXX I was contacted by XXXX in reference to a debt they claimed I owed. I wrote them a letter ( I do not have a copy ) indicating that I did not owe this debt and this debt was not mine. I received a letter from XXXX indicating that my claim was denied. I received no other communication from XXXX and then learned that the XXXX debt had been reported on my credit. I was unaware of what I could do so I did nothing to continue to dispute the debt. I waited and after 6 or 7 years, the debt dropped off of my credit report. I assumed the nightmare was over and I could start to rebuild my credit which I did. Now XX/XX/XXXX, a week or so ago a received a phone call from ERC ( a collection agency ). They indicated to me that I owed a debt. I told them that they had the wrong person and they proceeded to tell me that this was a debt reported by XXXX. I told ERC that the debt did not belong to me. The representative told me that since I was disputing the debt they would send the dispute to XXXX and they would send a dispute form in the mail. At that time and in order for me to do my due diligence, I asked for the phone number associated with the account and address on the account. The phone number was not provided but the address was. It was not an address where I had ever resided, nor a city I had ever resided in. A week or so after initial contact by ERC I received a fraud dispute letter from XXXX and a request for documents that would validate my identity during the time the account was opened. I am in the process of completing their request and I will also separately mail a debt validation letter and a debt dispute letter. All letters will be sent to XXXX, ERC and FTC 's Bureau of Consumer Protection. I have disputed this debt and have illustrated that I did not reside at the location in which the bill was sent. According to a representative from ERC, they claim that all XXXX has to do in order to verify the debt is not mine is to check to see how the payments were made between the time the account was opened XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These dates were provided to me by ERC. The address where the billing statements were sent for 2 years and paid for 2 years was an address in XXXX, Georgia ( information also reported by ERC ). At the time this account had been opened and utilized, I had purchased my primary residence which was located in XXXX, Georgia and there I resided. At what point will XXXX stop harassing me for a debt that I do not owe? Will they be able to sell this debt to a collection agency every 6-8 years and start this debt collection process over and over again and again? When does the statute of limitation kick in? Does a creditor really have the autonomy to continue to harass anyone just because they claim a debt is owed. I have disputed the debt indicating that I did not live at the address where the billing statement was being sent, I had no record of a XXXX account with the account number that was provided by XXXX ( via their written letter dated XX/XX/XXXX ), there was no proof that the debt was mine nor was there any information provided to me which illustrated that I authorized an account to be opened in my name. It appears XXXX has all of the information in their possession that would prove that the account is not mine. I contacted XXXX and spoke with a representative regarding this matter specifically relating to the debt being placed on my credit report again. I was told that the original creditor can continue to sell the debt to collection agencies for the remainder of my life and with each collection agency, they can report the debt to the credit reporting agencies. When will this end? Is there a statute of limitations? I am in the process of retaining an attorney.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-10-23

Little Rock, AR

Communication tactics

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

Frequent or repeated calls
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2015-10-22

Abbott, MS

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-10-22

Newport Beach, CA

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

2015-10-22

Dallas, 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 with non-monetary relief

Disputed: Yes Timely Response

2015-10-22

Hinkley, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I disputed an attempt to collect by Enhanced Recovery Company , LLC on XXXX/XXXX/2015. Although being told I would be cleared of this debt, it shows up on my credit report. This debt is not mine as I told their representitive. This is the SECOND time within one year I have had this issue with Enhanced Recovery. Am I to assume that everyone with the name XXXX XXXX now has this on their credit report?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-10-21

Simpsonville, SC

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

2015-10-21

Louisville, KY

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

2015-10-21

NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Had a negative remark on credit reports XX/XX/XXXX. Determined debt was not mine. Originator was XXXX. they sold this debt to XXXX then it went to XXXX. XX/XX/XXXX collection agency XXXX was notified via XXXX XXXX and XXXX XXXX XXXX that XXXX was in error and I did n't have the account in question. XX/XX/XXXX the same debt is now being pursued by ERC-Enhance Recovery Company. I submitted the info to them in XX/XX/XXXX as per documentation from the XX/XX/XXXX events. Now have negative remarks on credit report from ERC. They never replied after XX/XX/XXXX info faxed to them. Just received another letter stating owe money. They have not provided any information that supports that I have any debt owed. They have falsely reported to the credit agencies and are attempting to collect debt which is not mine.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2015-10-21

ID

False statements or representation

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

Attempted to collect wrong amount
Complaint: I disputed Enhanced Recovery Collection agency XXXX XXXX XXXX few times and it was removed because I declared it as not authorized transaction. Today I noticed that a company ERC reported : '' XXXX '' reapeard.
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Disputed: Yes Timely Response

2015-10-19

Mount Holly, NC

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

2015-10-19

Houston, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company believes the complaint is the result of a misunderstanding Closed with non-monetary relief

Disputed: No Timely Response

2015-10-17

Ridley Park, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Debt collector ERC claiming to collect a debt that we DO NOT owe. Will not provide any other information other than to say the debt is from XXXX and that the amount owed is {$66.00}. Will not provide any proof. Continues to call ... We are still customers of XXXX and have n't received any information from them. XXXX is trying get us back as a customer. Why would they want us back if we still owe them money? The Email address they used to contact us is over 10 years old. I think they are fake and we paid a XXXX $ debt to a collection agency 2 years ago, we may have been scammed then.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-10-16

Valrico, 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 with non-monetary relief

Disputed: Yes Timely Response

2015-10-16

Fort Worth, TX

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

2015-10-16

Elizabeth, NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response