ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 46
2019-01-07
Shreveport, LA
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-07
Conyers, 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
2019-01-07
Columbus, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the acct. responsibly. However during that term I managed to acquire some alleged negative credit items with XXXX.Eventually I look forward to the correct status of this inaccurate account., and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-07
Coalinga, CA
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: I had an XXXX collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX and XXXX reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-07
San Gabriel, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I do not know why am I getting charge for this amount.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-06
Brooklyn, NY
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I contacted XXXX XXXX XXXX to validate a debt that showed on my credit report as a collection. The company responded with a bill from XXXX dated XX/XX/2007. This is not proper validation as per the FCRA and the debt is beyond the statue of limitations and should not be listed on my credit report as per the FCRA. Furthermore, I have never done any business, of any kind with XXXX. I was never contacted by anyone prior to this debt being listed on my credit report. I respectfully request that this collection be removed from my credit reports until proper validation is presented that is within statue of limitations. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-06
Chicago, IL
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Complaint: I SENT A CREDIT DISPUTE LETTER OUT FOR ALL THREE ACCOUNTS ASKING THEM TO PROVIDE A TRUE AND CERTIFIED COPY OF THE COMPLETE ADUIT TRAIL WITHIN 30 DAYS OF XX/XX/2018 AND HAV N'T HEARD ANYTHING BACK FROM THEM YET.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-05
New Britain, CT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-05
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
2019-01-05
Fort Stewart, GA
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
2019-01-05
Grover Hill, OH
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
2019-01-05
Katy, TX
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
2019-01-05
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
2019-01-04
Norco, CA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-04
Greenwood, CA
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: I called a debt collection agency ERC for a XXXX account I had found on my credit report in hopes to find out more information. I specifically called and asked for a letter or some form of verification of this account because I believed it to be fraud. The lady I was speaking to did not send me a letter nor did she take my correct information down, she just tried to force me into a settlement for this account I never knew existed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-04
Erie, PA
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
2019-01-02
South Florida, FL
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 recognize the new inquiries on my account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-02
Ernul, NC
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
2019-01-02
Philadelphia, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: Actions taken by this company on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX They Re-pinged this account on my credit report as a new credit line when it's old and it's been on my credit already since XX/XX/XXXX. Causing my credit to go down when it was already impacted by this account from XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-02
Bellaire, 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: It was reported on my credit that i owed XXXX XXXX XXXX XXXX dollars. it was reported on XX/XX/2018. The company XXXX XXXX has taken over the debt. i have since called the company between the dates of XX/XX/XXXX-XX/XX/XXXX can't remember exact date, but i called and asked if i paid off the debt will it be deleted off my credit report. i was told yes but i would have to pay in full. so i did pay in full and the money pulled out of my bank account on XX/XX/XXXX. i was then told by my credit fixing company that it shows paid but the company is still keeping it on my account. i called on XX/XX/XXXX and asked the enhanced company why is it not deleted off my account i was told they don't delete but they do show its paid in full and kept on the account. i then explained to them that's not what was originally told to me and in fact it was stated that my account would be cleared. i then told them due to this my credit score will remain in a negative light and i wasn't sure why if my account is cleared of the debt why can't it be deleted. again i was told they don't delete items off the accounts, they just say it was paid off.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-01
Martinsburg, WV
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
2018-12-31
Cheshire, OR
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
2018-12-31
Rncho Domingz, CA
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: This account was originally deleted from my credit report inXX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-30
George Afb, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-12-29
Itasca, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: ERC ( XXXX noted as the original creditor ) has placed an adverse account on all three credit reports for an account which does not, did not, nor never has belonged to me.
I have never used, purchased, or borrowed any products from XXXX. The negative account has caused severe injury to my credit accounts and must be removed post haste to avoid further injury and damages to me and my impending credit analysis and disposition.
Furthermore, ERC failed to advise that there was a possibility that this negative account could be placed on my credit report. I have not received nor heard from ERC nor XXXX prior to this account being placed on my credit report. At least if they would have contacted me, I could have confirmed that it was an error prior to placing these on my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation