ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 44
2019-01-24
San Antonio, 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
2019-01-24
Norcross, 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
2019-01-24
Saint Landry, LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I already reached out to the credit bureaus and to XXXX XXXX XXXX XXXX for the account numbe XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-24
Washington, DC
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
2019-01-24
Sarasota, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: i do not know what this debt is, i never opened a XXXX account in XX/XX/2018, i did an XXXX dispute and they wont take it off my credit report. i've had XXXX for 7 years.
Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$730.00} {$730.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-23
Corinth, TX
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-23
Itasca, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: This company continues to report an unauthorized account. Ive sent debt validation letters, Ive disputed this and somehow this account is continually verified as accurate. The only thing Ive recieved from these people is a photocopied bill. Nothing with a signature, nothing that shows proof that I own this debt. I want this unverified account removed from both my XXXX and XXXX report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-23
TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: XXXX XXXX account added to credit report for amount of {$2700.00}. Then later updated as a collection account through internal collections, XXXX XXXX XXXX. Verification nor validation received upon request. Later received a collection debt letter from ERC, dated XX/XX/2018 stating that they were authorized to resolve account for less than amount owed for {$1700.00}. I sent a validation request to ERC. Received a response letter from XXXX XXXX dated XX/XX/2018 stating that it ( the letter ) received serves as validation that I owe a debt to XXXX XXXX. No documentation was received showing proof of validation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-23
Magnolia, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: In XX/XX/2018 I filed a dispute against XXXX XXXX XXXX. The dispute was validated and removed the ac ch int from my report. Now the account is back on my report with a different credit bureau ( XXXX ). Also the start date was changed which re starts the statute of limitations. Which is illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-23
Corinth, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-22
Jurupa Valley, CA
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
2019-01-21
Cedar Park, 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
2019-01-21
Milwaukee, WI
Confusing or missing disclosures
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: I recently checked my credit reports and it reported a derogatory mark from XXXX XXXX XXXX about a XXXX XXXX XXXX bill. I dont know much about this kind of stuff but I when I closed my account it was never mentioned that any money was due. It says it was the past two years or so ago. However, I closed my account about a year ago, so Im not sure when this popped up, how long ago it was, or when it could be from.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-21
IL
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: This company is reporting this incorrect debt under two different company names using same address out of XXXX fl. XXXX XXXX and XXXX XXXX. They are also reporting the account is less than a year old under XXXX XXXX and 3 years old under XXXX XXXX. The original account was with XXXX more than 15 yrs ago when XXXX bought XXXX. The account has been closed more than 7yrs because of charges by XXXX that were incorrect which lead to the termination of relationship with XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-20
Lufkin, TX
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
2019-01-20
Shalimar, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: My identity was stolen and I am unaware of the origin or to whom this debt truly belongs to.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-19
Bakersfield, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: There is an account with a collection agency named XXXX XXXX XXXX. They are collecting for XXXX. They are collecting over {$1400.00}. The problem is, I don't owe it ....
I want to be truthful right from the beginning so you can understand my problem. It's not that I never had an account with XXXX. It's not even that i didn't owe them money. The problem is that I don't owe anywhere near what they are attempting to collect from me. They are attempting to collect almost triple what I owed. I have had a problem with it for years and now I've had it. Well I finally have proof that they are attempting to extort and racketeer an illegal amount and I will no longer stand for it.
Back In XXXX I went to purchase a home with XXXX XXXX XXXX. XXXX pulled a credit report and I saw there was accounts that never belonged to me. Because there were so many, I assumed this was a identity theft case and filled out a notarized ID theft affidavit along with a police report. I submitted the fraud packet to all the credit bureaus so that the accounts that did not belong to me would get removed. It mostly worked. All the accounts on my credit report that were fraudulent were deleted from my report and an extended security alert was placed on my credit report. The only account that did not get deleted was the ERC collection for XXXX.
I received a letter from ERC dated XX/XX/XXXX. In that letter, I received an itemization from XXXX showing a total balance of {$1400.00} for a bill of XX/XX/XXXX - XX/XX/XXXX and a bill date of XX/XX/XXXX. It had a XXXX account number which you have asked me not to place on this complaint. I'm sure ERC thought this account was now valid as they had handed me a detailed itemization with my name, address, account number, and balance due. What i'm sure they didn't expect is that this account ledger was proof that XXXX has been racketeering charges illegally and I am now close to filing a lawsuit against XXXX and ERC as a result. I hope they don't take this threat idly because I am dead serious. To show you, ERC, and XXXX that I am serious, I will provide you with the same document I provided to ERC on my complaint to them via e-mail on XXXX.
I happen to have a collection notice from a collection agency named XXXX XXXX. It is for a XXXX collection for the amount of {$520.00}. It has the exact same account number as the XXXX itemization of XX/XX/XXXX. Here is the kicker however. The collection notice for XXXX XXXX is for a date of XX/XX/XXXX ... Not to sound insulting, but let that sink in for a moment. Just in case however, I will describe the situation in detail.
ERC is attempting to collect an account for XXXX with a final billing cycle of XX/XX/XXXX for {$1400.00} +. The problem is that the same XXXX account was closed off and sent to collection back in XX/XX/XXXX for only {$520.00} ... How can an account that was already closed and sent to collection in XX/XX/XXXX still be racking up charges until XX/XX/XXXX? If that doesn't prove the charges on this account are erroneous and fraudulent then I don't know what does. But it gets even worse from here.
Since I didn't seem to be having any luck, and ERC was supposedly being verified at the credit bureau level, I decided to hire an old friend of mine to help me in fighting this. he called ERC on XX/XX/XXXX explaining the situation. he spoke with a collector named XXXX XXXX. In that conversation, he was transferred to a team lead named XXXX. XXXX asked that he submit an e-mail with the proof I had about the fraudulent account. he did so on XX/XX/XXXX with a full explanation as well as the requested documents. In that e-mail he was very specific in that I was demanding that they deem this account as fraudulent and cancel the account back to XXXX. He even warned them of the impending complaints I would be filing and the lawsuits I would be bringing up should they fail to comply. Well guess what? They didn't comply.
On XX/XX/XXXX, my friend called ERC because we noticed the account was still on my credit report. He spoke with an XXXX XXXX. XXXX told him that they did in fact receive our documents but that the account was never placed under fraud nor was XXXX ever contacted. In the e-mail I will provide you a copy of, you will note that the first sentence in the second paragraph mentions this account as being disputed as fraud. Why would they not place this account as fraud? Why would they simply place this account as a disputed account wen they were given evidence that the itemization they provided was faulty and erroneous? I'll tell you why. because ERC does not care about the Fair Debt Collection Practices Act. They are simply attempting to feign ignorance by claiming they don't have any power to change anything. My friend asked to speak to a supervisor and was able to do so but I don't have his name. That conversation pretty much went the same way. They aren't going to do anything but ask their client if this is a fraudulent account ...
I had to read the Fair Debt Collection Practices Act because this account has been preventing me from buying a home since XXXX. I learned that under 809. Validation of Debts, if I dispute a debt, they have 30 days to provide proof that the debt is valid or cease collecting the debt. Well when ERC received the dispute on XX/XX/XXXX, they had until XX/XX/XXXX to fix this account or get proof. They never did. In fact, XXXX and the supervisor stated they would begin their investigation with XXXX on XX/XX/XXXX ... well past the 30 day mark. They were just THEN beginning the investigation. I won't stand for it. I am filing this complaint not just for me but so you can look into their practices and operations as I am sure I am not the only person they are trying to take advantage of.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-19
New Orleans, LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-18
Jurupa Valley, CA
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
2019-01-18
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: When I found about this account on my credit report, I contacted the company immediately to find out for what the account was. They told me it was for a remaining balance with XXXX XXXX. I never received any notification about any outstanding balance with that company. When I asked if they sent any letter to informed me about this pending balance, they said they sent a letter to a address that I didn't lived there for more than 3 yrs. I agreed to settled this account even if I wasn't sure that I actually owned that balance because was affecting in my credit report and I was told that if I take care of the account they will removed this collection account from my credit report. I paid immediately the amount that they requested me to settled this account because they guaranteed me that the account will be remove it immediately from my credit report. This was stated on a recorded line. I feel this is an unfair for me because it is causing me a financial hardship because I'm having a lot of issues trying g to qualify to buy a home and if I were able to qualify I'm going to end up having to pay a higher interest rate on a mortgage, also I feel like it is a UDAPP violation because I feel fooled by this company because it look that they just lied me on that time offered me false promises to remove the account just to collect the money for that debt. I've contacting the collection agency and XXXX to dispute this account on the credit report but I haven't been received any response or been successful in resolve this matter. This account needs to be removed ASAP from my credit report since I was told that will be removed from my credit report making the payment that I made on that time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-18
Brooklyn, NY
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem canceling credit monitoring or identify theft protection service
Complaint: Crediter name consumer XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX report.
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-18
Alexandria, VA
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
2019-01-17
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
2019-01-17
Columbia, SC
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
2019-01-17
Chico, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I DO NOT RECOGIZE ACCOUNT
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation