ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 43
2019-02-02
Newnan, GA
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-01
Elkton, MD
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
2019-02-01
Cartersville, SC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have a collection on my account from a collection company ERC who claims they are collecting on behalf of XXXX XXXX XXXX. I have never had Services with XXXX XXXX XXXX. I contacted them and was informed that they don't have anything on record for me having a bill. I informed them that a collection is on my account in the amount of XXXX. I was informed to submit a complaint and file a dispute with ERC. I sent ERC a letter asking for PROPER validation and I got back the paper work that's included and doesn't make sense.They sent me what appears to be a billing statement from XX/XX/2013 that does not have account details. This collection is bogus and I want it immediately removed from my reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-02-01
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
2019-02-01
Broomfield, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-31
San Antonio, TX
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
2019-01-31
El Paso, TX
Written notification about debt
Debt collection: I do not know
Notification didn't disclose it was an attempt to collect a debt
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation
2019-01-31
Cottleville, MO
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
2019-01-31
Maxwell Afb, AL
Communication tactics
Debt collection: I do not know
You told them to stop contacting you, but they keep trying
Complaint: XXXX XXXX XXXX in XXXX Florida continued to call my home number after three seperate attempts on my part to get them to cease. On my first conversation with a representative they determined that i was not the party that they were trying to collect from but gave me that individuals full name ( violating FDCPA disclosure laws ) and they assured me i would not be called again. The phone calls continued daily. After a length conversation ( taped ) in which a female supervisor advised they couldn't always see the numbers they were calling in their system, I was again informed that I would absolutely not be called again. After that call I documented calls from ERC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2x ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were more but these are documented.
On XX/XX/XXXX I again spoke with the company. I have advised on all three conversations that a XXXX person uses this phone line as his life line and that these calls were a nusiance and causing stress and harm to this individaul. I have since been contacted by their complaince officer assurning me that i will not be called again. He also claims this is a " call forwarding '' issue which is nonsense because the person they told me they were trying to collect from ( 2x ) had this number over thirteen years ago. I know this to be fact from the ten other companies that called in the first year I had the number. This leads me to believe that ERC participates in collecting past statute debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-31
Charlotte, NC
Communication tactics
Debt collection: Other debt
Used obscene, profane, or other abusive language
Complaint: ERC Corporation, is in violation of 15 U.S.C 1692-1692p. On 2019 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ERC Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. The individual calling did not want to provide information to me that would help me to understand the propose of his call.
I was unable to talk at the time of the initial call, so i called back and spoke with a young man by the name of XXXX. I verified with him my name, and the number in which i was calling from. upon locating a reference number, XXXX was able to provide the for reference number without me providing him with additional personal information. XXXX apologize for the way i was treated and would investigate the matter further.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-31
TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I was checking my credit report on XX/XX/XXXX there is a collection agency asking for payment of {$1600.00} for XXXX XXXX, I dont have a XXXX XXXX account never had one and this account is apparently opened in XXXX Tx I live in XXXX XXXX TX dont know anyone in XXXX. I contacted XXXX XXXX and filed a identity theft affidavit I also sent they a copy of my drivers license and bank statements for the months of XX/XX/XXXX thru XX/XX/XXXX I also filled a Federal Trade Commission identity Theft Report. I also put alerts on all the credit bureaus XXXX, XXXX, XXXX. I have very good credit and because this collection agency appeared on my credit report my score dropped 38 points i pay everything on time dont owe anything i want this off my credit Report ASAP.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-30
Strasburg, VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-30
Hampton, VA
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
2019-01-29
WA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: My social security number was used to open a XXXX XXXX account in XX/XX/XXXX, using a different lat name than mine. XXXX put the account to collections with XXXX XXXX XXXX ( ERC ).
After finding the item on my credit report in XX/XX/XXXX, I filed an identity fraud claim with XXXX, including a fraud affidavit, bank statements from XX/XX/XXXX, and my driver 's license.
XXXX confirmed in writing that this was identity fraud later in XX/XX/XXXX.
I contacted ERC and they agreed that the report was in error and said it would be removed from my credit report within 45 days.
It has been 4 months the item is still on my XXXX and XXXX XXXX credit reports and substantially affecting my ability to get credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-28
Brooklyn, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-28
Findlay, OH
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
2019-01-28
Granada Hills, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-28
Cordova, TN
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I tried numerous time to resolve this XXXX XXXX XXXX XXXX XXXX - XXXX account. This is not my account I explained o them this several times. This bill is for services that was secured in Texas. I never resided in Texas nor have I ever requested services in Texas. I don't owe this bill.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-27
Canton, GA
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
2019-01-27
Ernul, NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Amt : {$170.00} Company : XXXX XXXX XXXX ( On my credit report ) I never had an account with XXXX XXXX XXXX or XXXX ( I've received a letter from ERC stating I owe {$170.00} to XXXX.
I have NEVER had an account with XXXX XXXX or XXXX, and I notified ERC, but they won't take it off my credit report and continue sending me letters.
I had an account with XXXX XXXX XXXX for my business, XXXX XXXX XXXX XXXX XXXX. I was talking to a woman from their Corporate Office, and she talked me into having a phone. She said the technician would be out to hook it up. No technician ever came out. I never went online due to worrying about breaking confidentiality, and I just starting going online about a year and a half ago while attending XXXX College. Anyway I switched to XXXX because I needed a phone. Once I finally had a phone line ( through XXXX ), I called the Corporate Office of XXXX, and I explained my situation ( that a woman said a technician would be out to connect the telephone, but no one came out ). A man on the phone told me that they never turned on the phone in the office ( I had the impression the way he spoke that they never turned on a switch, but I'm not sure how they turn on phones ), but i knew no technician ever came out. I explained to the man that I was upset because I received a bill and was going to contact a lawyer because I had to reprint all of my letterhead, business cards, advertising with pens that had my business information on it, essentially everything that had my business information on it. I was irate because three weeks without a phone can kill a business, and it basically killed mine because no one could find me. The man on the phone assured me that my account would be taken care of and I owe nothing. I never heard anything about this debt until about six months ago.
I am assuming that XXXX XXXX XXXX was bought out by XXXX XXXX because that is who ERC says I owe, but I never had an account with XXXX XXXX. XXXX XXXX must of been bought by XXXX because I had a letter from ERC stating I owe XXXX {$170.00}. I have never had an account with XXXX. I did have a lady come by asking if I wanted cable through XXXX, and I thought it was interesting that she said I did not have to pay a deposit ( which if I truly owed XXXX they would of asked for a deposit ). I was going to get cable through XXXX, but I called and spoke to a gentleman ( who I believe was in the Corporate Office, or may be Collections ), and he notified me that I do owe them {$170.00} and I have to pay it because they will not forgive this, even though I explained my situation and was told my balance was XXXX when I spoke to XXXX.
My account for XXXX XXXX XXXX was XXXX XXXX dba XXXX ' XXXX XXXX XXXX. If I felt I owed this debt, I would pay it, but I do not feel that I owe it. The phone was never turned on, and no technician ever came out to my address. XXXX cost me a lot of money when they never turned on the phone and people couldn't find me if they needed me. I was going to hire a lawyer at that time, and now I wish I would have because the matter would of been settled! I told the man from the Corporate Office that I was going to hire a lawyer, and he said he was sorry for all of my trouble and he satisfied my debt, and I owe nothing.
I do not want each time the account is sold to another company that I will owe this debt. It has been in three different company names now, but I only had an account with XXXX. Please investigate this to the fullest! There is no account with my name dba XXXX XXXX XXXX XXXX XXXX in XXXX XXXX ' or XXXX ' names. I switched to XXXX when XXXX never connected my phone, and I am still with them today! Please investigate because if it is sold to another company, that new company is going to say I owe them when I truly do not! I don't know if the XXXX Corporate Office knew they were being bought and just told me that to pacify me, but I never heard anything about it until years later by different companies. I wish I would of gotten a lawyer like I wanted to when I switched to XXXX because it did cost me a lot of time and money having to change everything, not to mention the stress of not having a working phone but having bills of a business ( which is a lot more expensive than residential-personal bills ) and no client can find me because I had no phone. Please investigate? Any questions, please contact me at ( XXXX ) XXXX.
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-27
MO
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
Complaint: So I have ask this company XXXX XXXX for validation of this debt, thru a dispute process with the CB, and have yet to receive documentation that I opened or am the responsible party for the XXXX dollar debt reporting as a tradeline on my credit file. I have ask for a sign contractual agreement between myself and the company they are collecting for and will not accept anything other as validation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-25
Finksburg, MD
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: XXXX XXXX is reporting a account on all three of my credit reports that do not belong to me. I reached out to the company about this issue on XX/XX/XXXX to get the issue resolved but no one would help me. They are reporting this account as of XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-25
Herriman, UT
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-25
Philadelphia, PA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: At least once a year for the last 5 or 6 years this collection shows up with a different collection agency and I tell them the XXXX XXXX debt is not mine as I have never lived in South Caroline and I have never given anyone permission to open a XXXX XXXX account in my name. The debt goes away until the next year and a different collection agency suddenly shows up saying I owed XXXX XXXX. Please ask the collection agency and XXXX XXXX to stop as the debt is not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-24
Las Vegas, NV
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