ERC

2019-04-09

Bronx, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: This fraudulent account was removed from my XXXX account last year in 2018 and now has been reinserted back to my credit file. I am a victim of identity theft and this account is supposed to be blocked from my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-08

Newport News, VA

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

2019-04-08

Key Biscayne, FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: AGENY IS REPORTING FALSE INFORMATION BY CHANGING THE OPEN DATE ON THE CREDIT REPORTS. THAT'S AGAINST THE REPORTING ACT LAW
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-07

Washington, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/2018 i called ERC to make collection payment i was told by the debt collector that after making the payment the collection would be removed from my credit report. The collection still shows in my credit. I dispute the collection with the credit bureau and they always tell me that i have to contact the collection company to have collection removed off my credit. I contact the collection company and they tell me that i have to contact the credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-07

Reeds, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/2016 I went to XXXX store with an unlocked XXXX cell that I owned, the phone didn't have a balance on it & wasn't connected to any XXXX account. I requested prepaid cell service for the phone. The XXXX associate told me prepaid service was available. I asked repeatedly if it was a contract, the representative assured me it was a XXXX prepaid cell service. This cell phone service was intended for my teenage daughter. I asked the XXXX associate " If, for example, I were to not pay for an upcoming month of service due to my daughter had got in trouble & her phone was to be taken away as a punishment, will there be a charge for that? '' I was told " No, there would be no charge ''. I then asked " When my daughter is free from her punishment, do I just need to go buy a XXXX prepaid refill card to restart her cell service? '' I was told " Yes, that is correct ''. I was then asked if I wanted insurance on the cell phone, I denied the insurance coverage. Before I left the store I paid for a cell phone charger, 2 months of " prepaid cell phone service '' & the phone was activated. I then went to XXXX XXXX at XXXX XXXX & bought a {$30.00} XXXX Prepaid Refill card to use when the 2 months of paid service expired. Of course my teenage daughter got in trouble, so when it came time to use the XXXX Prepaid refill card I didn't load the card on the cell phone. Once my daughter finished her punishment I tried unsuccessfully to load the XXXX Prepaid refill card on the cell phone. I called XXXX & the representative told me she didn't know why the card wouldn't load, but instead I could pay over the phone to reactivate the cell phone service. I payed the amount required over the phone with the representative. Within 2 weeks the cell phone service stopped working so I called XXXX. I was informed I owed {$120.00}!!!???!!! When I asked what the charge was for I was told the amount was for late fees, disconnection fees, re-connection fees, & insurance fees on the phone. I explained it was a prepaid account & I had refused insurance on the phone so these charges weren't valid. The representative told me this is NOT a prepaid account and that insurance was in fact on the phone. I was in disbelief & very angry! I went to a different XXXX location & asked them to pull up my information. The XXXX store associate accessed my information from the XX/XX/2016 transaction at the original XXXX store I activated the cell service at. I personally viewed computer generated " paperwork '' that stated the service was a contract & cell phone insurance was accepted. The form had been revised three times & electronically accepted. There was a time stamp on the revisions, all of which occurred AFTER I had already left the XXXX store. There was only one XXXX associate in the entire store the day I activated the cell service. After I left the store that day, the associate fraudulently created new forms & electronically accepted these fraudulent forms by using my name as the one to agree to the terms he created without my knowledge or permission. I have contacted XXXX on more than one occasion regarding this fraud. I have insisted this charge be removed & the XXXX associate who opened this fraudulent account be reprimanded or fired. I have been cursed, put on extended hold, and eventually hung up on every time I have tried to resolve this matter with XXXX over the phone. XXXX recently placed this fraudulent account in collection on my credit report in the amount of {$220.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-07

Mountain View, OK

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XXXX XX/XX/XXXX, I sent a certified XXXX letter to Enhanced Recovery Company notifying them that I was not aware that their company was placing an account on my credit report. The company never followed up with a letter or verification after I sent that letter, the account continued to remain on my credit report. After that letter was sent the company continues to use tactics that are against the Fair Credit Reporting Act continues to age the account when not authorized to do so, with the most recent update in XX/XX/XXXX, I have had no contact with the company outside of the letter that was sent in XXXX. This company can not place an account on my credit report without notifying me by mail so I have the opportunity to dispute the debt and can not age a account to make it more current in order to keep on a consumer credit report. There needs to be an investigation that is done to see how many other consumers this company has done this to. I also contacted the originator of this debt and the company has not responded with a verification of the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-06

GA

Incorrect information on your report

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

Account information incorrect
Complaint: ENHANCED RECOVERY COMPANY {$590.00} There is no valid claim, no contracts exist ... accounts were settled with original creditors by insurance carrier and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-05

San Jacinto, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX sent an unknown past debt of {$78.00} to be collected by a agency called Enhanced Recovery Company this debt is over 6 years old and Im just hearing about this only because the collection company hit the credit bureaus with collections and derogatory remark making my score go down and affecting me to purchase a home. I called the collections company regarding it and they told me it was debt from XX/XX/2012.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-05

CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I am a victim of identity theft, so I've reported it to the XXXX here in California. I did not authorize anyone to open or use accounts of anything in my name. These developments are new to as I have no knowledge of the debts nor did benefit in anyway. Under California law I have rights that protects me the consumer. I have the right to see any and all information of accounts of debts in entirely within 30 days. These accounts need to be removed from all credit agencies reporting it. Thank you again for your time and consideration in this matter. Respectfully, XX/XX/2019
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2019-04-04

Cincinnati, 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

2019-04-04

Jupiter, FL

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Hello, On XX/XX/19, I received a notice from my credit report tracking system that Enhanced Recovery Company ( ERC ), posted a {$140.00} collection/chargeoff. I was never notified of any collection activity by this company. They never notify me of this mystery debtor that they would allow me to dispute the debt, before placing any wrongful debt on my credit report. Company Information : Enhanced Recovery Company ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) -XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-04

Chula Vista, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Debt is unknown, never received collection letters or calls, it just shows on my credit report, account not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-04

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This is not my debt. I just recently turn XXXX and I have not acquired or tried to obtain any credit. This account must be a result of identity theft. Please investigate and remove this account from my credit report ( all major credit bureaus ) immediately. As a creditor/service provider how did you prove or vet the consumer concerning identity before providing the service?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-03

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: My credit was used back in 2012 to get XXXX cell phone service I never given any permission to open any account in my name. I resolved this matter 7 years ago
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-03

Carver, MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-03

Louisville, KY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This collection agency ERC just put a debt on my credit report this morning for XXXX. I have not had a sprint account in almost 10 years. Not to mention they never reached out to notify me of anything just threw it on my report. This is not a debt that I owe and I want it removed NOW!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-02

Okc, OK

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I never received any written notification to dispute the validity of this debt and this company violated the fair credit reporting act by not allowing me the opportunity to dispute the validity of this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-02

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The debt was remove now back on report for what reason I dont m ow it not mines.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-02

Fred, 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

2019-04-02

Bremen, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I do NOT have a debt problem, nor have I ever had one. Within the last 4 days I have gotten 3 calls from this scam company by the ERC Research ; I received a call on a Wednesday after ( XXXX ; XXXX ) ; another on Saturday ( XXXX ; XXXX ) and Monday ( XXXX ; XXXX ). Their number has been pegged numerous times on XXXX notes. I would appreciate if you could eliminate these aggravating people from calling ...
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-01

New Britain, CT

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

Untimely Response

2019-04-01

Jacksonville, FL

Written notification about debt

Debt collection: Credit card 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

Untimely Response

2019-04-01

Capitol Heights, MD

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-04-01

Fort Collins, CO

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

Untimely Response

2019-03-31

Daytona Beach, FL

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

Untimely Response