ERC

2018-12-21

Shalimar, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Keep getting repeated robo calls from company called ERC. I do not owe any debt, have been debt free for last 15 years, except for 2 auto loans which are paid via allotment. I have even went so far as to go to the ERC web site and filled out form to have them stop calling me but the calls still persist. I am XXXX and wife is XXXX and these repeated calls upset us. I am asking that this company be charge a fine or whatever the legal term is of {$500.00} for each phone call. My FICO score is XXXX and no bad credit in my credit report for last 25 years or longer!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-21

Occoquan, VA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: This account does not belong to me, I was never informed I could dispute debt and or given a right to.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-21

Beyersville, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I checked my credit file and I saw account XXXX XXXX on my credit file. This collection agency is not licensed to collect a debt in the State of Texas and I would like for this account to be removed off my credit report. Account number XXXX and XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-21

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Got an alert that an account was in collections from XXXX for {$500.00}. This doesnt belong to me. Ive never owed them money. I was once on a plan with XXXX with another person however I wasnt the primary, he was. This means that all balances were to be paid by him and he would take any penalties. Also I am currently using XXXX so I do not understand why they would let me obtain an account with them if I owe them money. Also received letters years ago with different amounts that I supposedly owe them. For this reasons I believe they are being dishonest and deceiving. Also someone called before a year ago to collect a debt and I paid them so they would leave me alone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-20

Cleveland, OH

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

Timely Response

2018-12-20

El Cenizo, 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

Timely Response

2018-12-20

Fontana, 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

Timely Response

2018-12-20

Saint Paul, MN

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I checked my credit, but I never got any notification about this bill
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-18

Laredo, 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

Timely Response

2018-12-18

Stanford, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Upon checking my credit report there is an account that has been placed in collection on my report that I have no idea what it is. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account does not belong to me and the only Bureau this is reporting to in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-18

FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} AND ANY OTHER ACCOUNT IN YOUR OFFICE ASSOCIATED WITH MY SS # Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-17

Medway, OH

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

Timely Response

2018-12-17

Pensacola, FL

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

2018-12-17

East Carolina Univ, NC

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

2018-12-16

Clayton, MO

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

Timely Response

2018-12-16

San Francisco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Debt was the result of identity theft. I already attempted to resolve this with the company directly but they refused to remove the amount from my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-15

Auburn, AL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent a letter to ERC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. they have reported delinquent information to the credit bureaus that I am asking to be deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-15

Portland, OR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX has erroneously reported a collection to multiple CRA 's for a debt that is not mine, furthermore ERC reported this collection without contacting me, notify me of my right under the FDCPA or verifying the debt. ERC has caused material damage to my credit standing, reports, and scores, directly impacting my ability to obtain credit by reporting a debt that is not mine without any validation. The reported account numbers do not match account numbers I have ever had with XXXX, notwithstanding the fact that the account I had several years ago with XXXX was pre paid and had no possibility to incur charges beyond the pre paid balance of the accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-14

West Duluth, MN

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: ERC, a collection company who have never contacted me says I owe {$86.00} to XXXX XXXX XXXX. I do not and have dropped my credit score 42 pts because of it. This is not me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-14

San Fernando, CA

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

Timely Response

2018-12-14

Nyc, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I Wrote a letter to the ERC Group disputing the validity of this debt, a year ago. When they failed verify this debt, I assumed it was dissolved. But now a year letter they are calling me repeatedly & sending threatening collection letters. Calling me at obscene hours etc ; claiming I owe them $ XXXXon account # XXXX, XXXX XXXX XXXX . Their assigned reference # XXXX to me. I do not owe this alleged debt. I would like you to have them cease & desist.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-13

Little Rock, AR

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

2018-12-13

Aurora, 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

2018-12-13

Oak Grove, MO

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: These people have not provided me with anything that I asked for. When I orginally contacted this company I wanted to get the debt verified and to get a copy of the bill and any other information pertaining to this account. The representative was very rude and stated that if i did not recall seeing the debt that i would have to fill out a fruad packet. They basically denied me the right to dispute this bill by trying to force me to fill out a fruad packet by over talking me and not allowing me to ask them for the things that I need for me to dispute this account. THIS IS ILLEGAL. BEFORE I proceed with a fruad packet I would like you to upload a copy of on the bill from XXXX communications. I need the first date of service, and itemized list of of the bill, as well as when the last payment was recieved. I would also like to see a contract from the company. It is my right to dispute all or some parts of a debt. you have not provided me the opprotunity to do that. I would like this company to be reported to the FTC. They use pressurized over talking tatics to push consumers into a corner so they do not have to verify a debt. When I asked them to verify the debt. They lady kept over talking asking if the debt was mines or not. and I kept explaining to her that I do not recall but would like them to verify the debt. she said that if I did not recall seeing the debt that I would need to fill out a fruad packet. They are refusing to allow me to dispute all or parts of my debt by not allowing me to ask them for the things I need. I would like this company to be fined.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-12

Rayford, 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

Timely Response