ERC

2018-12-29

Canton, GA

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

2018-12-29

Library, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Told them debt was not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-29

Broadview, IL

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

Timely Response

2018-12-28

PA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This bill was removed from my report and I dont know what this bill is. I get a collection notice from XXXX after I told them it wasnt mines.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-28

Eldorado, WI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have been fighting the have the erroneous debt attached to my credit report removed for years. In an attempt to comply with the consumer protections laid out in the FCRA I sent multiple communications to XXXX XXXX XXXX requesting the alleged debt be validated or removed from my file. Specifically : On XX/XX/XXXX17 ERC Reports to collection agencies a collection for XXXX in the amount of XXXX On XX/XX/XXXX17 I send ERC a Debt Verification Letter requesting a response within 30 days - On XX/XX/XXXX17 Debt validation letter was recorded as delivered and received by the USPS and on XX/XX/XXXX2017 I sent a Failure to Comply Letter, requesting the account be removed. - On XX/XX/17 I received a " notice of rights '' letter, that stated, " Your account has been placed in a hold status and that collection efforts have ceased at this time. - On XX/XX//17 I sent a final request to have the account removed from my profile, as it was still being erroneously reported.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-12-27

Superstition Mtn, AZ

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

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

Was not notified of investigation status or results
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-27

Sacramento, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-27

Brentwood, TN

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: This company is in violation of FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices and reporting to credit bureaus. However, I paid them in desperation on XX/XX/2018 to get it removed off my credit report, because they informed me that if I paid it they would remove it off my credit report and they have not. I will also be contacting my state 's attorney general 's office in regards to this companys business practices as well. XXXX XXXX XXXX has VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt and not following through with our agreement to remove it. They have until the end of next week to remove the reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. I will purse litigation in this matter to enforce my rights under the FCRA. Please give this the immediate attention it deserves.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-26

Dallas, TX

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

Timely Response

2018-12-26

Canfield, OH

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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-26

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

Timely Response

2018-12-26

Hudson, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: company XXXX XXXX XXXX contacted me. My number is on the donotcall list. they must be collecting from someone named XXXX XXXX. The social security number and addresses they have do not match mine. They should not be allowed to look up my name online and call me on a phone number that is on the donotcall list just because I have the same name as the deadbeat they are chasing. Is it ok for them to do this?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-25

Garrett Park, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In a letter dated XX/XX/XXXX from ERC, I received a response to a previously disputed debt. ERC sent a response to a validation request after I informed ERC that I do not owe them or XXXX, the original creditors. I told them to remove the debt completely from my credit report as it is not a debt or settled. XXXX falsely advertised that they provided high speed internet in my area when in fact they didnt. XXXX eventually sent me a refund check. The service was activated and cancelled the same day because it was not high speed internet. It was dial up and it was extremely slow. High speed is not offered in my area from XXXX in early XX/XX/XXXX. XXXX should not have place me in collection and ERC has been informed of all this. I want ERC to remove the bogus account because they dont even have the correct account number at all and I do not owe ERC or XXXX and they keep sending me correspondence and putting damaging remarks on my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-25

Palos Park, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Collectors Name : ENHANCED RECOVERY CO L Account Info : XXXX Creditors Name : XXXX XXXX XXXX Open Date : XX/XX/2018 Balance : {$230.00} Debt : {$230.00} Contact Info : 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

2018-12-24

Fort Macarthur, CA

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

2018-12-24

Atlanta, GA

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

2018-12-24

Anaheim, 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

Timely Response

2018-12-24

Gastonia, NC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: The company ERC have been calling my phone everyday at least 3 times a day asking for a XXXX XXXX which I've repeatedly told them that they have the wrong number and this has been going for at least 3-4 months and it is very annoying. No matter what i tell as far as removing my number they always state that they will yet they don't. I would like to file a complaint and lawsuit for phone harassment because they are going to continue to call unless I do. I do not want to go into another year with this nonsense.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-24

SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Disconnected XXXX XXXX Service. Paid the early cancellation fee on XX/XX/2018 of {$120.00}. Returned all equipment by XXXX with a receipt dated on XX/XX/2018. Received a collection notice from ERC dated on XX/XX/2018 that they are going to submit this bogus " Collection '' to the credit reporting agencies. and damage my credit rating.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-24

FL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms with them OR their client. This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-23

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-23

San Jose, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/18, on my XXXX report a company called " XXXX XXXX XXXX '' placed a collections account that does not belong to me for {$660.00}. I tried calling them but there has been no response by phone. Instead of sending them a letter to dispute I'd like to complain about this company because I don't owe any business {$660.00}. Also, there is no account number listed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-22

Martinsburg, WV

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

2018-12-22

Oxford, GA

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: XX/XX/2018 I noticed there has been a negative and inaccurate reporting on my XXXX credit report that had been removed previously and I put a freeze on my credit report prior to this negative reporting. I called the company and requested more information about this alleged debt and even gave my current address and I never got the demand notice or any details about this account. I called XXXX and asked was this account verified before being put on my credit report and they said no but i can do a investigation. I asked what was the purpose of me doing a freeze on my credit report to protect my score if XXXX was going to allow companies to place inaccurate accounts and get money from me that I dont owe. After the investigation was done XXXX removed the account and sent me a notice saying it was deleted. 3 Months later I applied for a business line of credit for {$45.00} and this was not a hard pull however they review the tradelines and collection account and available credit. I was denied the loan due to this same account put back on my credit report that didnt belong to me. I was furious about this same account and i called XXXX again and another investigation was done and XXXX rep stated it was accurate and it was kept on my credit report causing my score to drop from a XXXX to XXXX according to the loan people where I was trying to get a business loan from. They told me this account from XXXX caused me to get denied. I told XXXX I never had a contract agreement with XXXX. Aftergoing back and fourth with XXXX and asking for a deeper investigation and got no help from them I called the company that placed this bogus account on my credit report and they had no correct information on me. they didnt have my ss # so how they put it on my credit report is beyond me. They had all wrong addresses, the wrong place of employment and wrong date of birth. I guess they put it on a credit report of a person who has the same name as the person they are lookng for. after the irrate calls i had with many XXXX rep they finally looked into it and the company said they have no information matching me in their system and then had the nerve to ask me to send in my correct name and social security number and date of birth so they can make sure and I hung up the phone so quick because it didnt sound right. XXXX finally removed it after it caused me to lose my business loan that cause me to lose out on business and money. XXXX never verified the debt or they would have known this was not mine and the company kept re adding this to my credit report. My rights have been violated and XXXX has violated my rights and placed false and misleading information on my credit report and deafirmation of character. I am looking to sue the collection agency and XXXX per violation. alot of rules of the FDCPA was broken, FTC AND CFPB AND FCRA.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2018-12-21

Richmond, 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

Investigation took more than 30 days
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response