ERC

2018-11-07

AR

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I sent a certified letter to XXXX XXXX XXXX which was received in XX/XX/2018. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled having an account with the creditor in question. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-07

Auburn, WA

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

2018-11-06

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay ERC the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. ERC reference number:XXXX ERC customer : XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-06

Bloomington, MN

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$2500.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-06

Orange, NJ

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

Timely Response

2018-11-06

Bammel, TX

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

2018-11-06

SC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I found a XXXX XXXX on my mortgage credit report. I moved, had mail forwarding and asked for and paid final bills on all of my accounts at that house including XXXX. My phone number and email address have not changed. I am not hard to find and pay every bill I am aware of. On XX/XX/XXXX I called XXXX XXXX and told them I had no knowledge of this bill but would gladly pay it if it was deleted per FDCPA. I told them I wasn't notified properly. Had I know I owed it I would have paid it long before it became a problem. They said they did not delete accounts. That conversation went in circles and they told me to Call XXXX. I had the same conversation with XXXX and they said I could pay them and they would pull the collection from XXXX XXXX. I said great and paid them. I called the credit bureaus on XX/XX/18 and that account was still on my report. I called both XXXX and XXXX XXXX and they played dumb. When I spoke to XXXX on XX/XX/18 they said they would have their advanced collection team call me in 24 to 48 hours. It has been 9 days and counting. I can not qualify for a USDA Rural Housing Loa because I have a negative account in the last 12 months. This is not funny. I am easy to find and have 2/3rds the same contact info as when I had XXXX. This should never have been an issue and I am being punished because they chose not to make the slightest effort even though I consider my bill paying efforts to be diligent. I really don't see how I owe XXXX {$130.00} in the first place, but that is a different conversation. I want my credit restored by deleting the XXXX XXXX Account from all three credit bureaus. If I didn't turn in my equipment I would have an at least {$800.00} collection so then why would I continue XXXX XXXX after I returned my equipment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-06

Hudson, NC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I do owe money back to a phone carrier but they never mentioned I had rights nor did they sound professional. They never gave me the option to reject. No choices.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-06

Long Beach, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/18 Enhanced Recovery Company reported a debt of {$1200.00} owed for an XXXX XXXX XXXX creditor that is not mine. I have contacted both XXXX XXXX XXXX and Enhanced Recovery Company asking for the identification used to open this account and neither company has been able to provide that information because they do not have it and because it is not my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-06

Watkins, CO

Incorrect information on your report

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

Account information incorrect
Complaint: I had XXXX service when I moved to North Dakota in XX/XX/XXXX. When I arrived in North Dakota, I discovered that my service no longer worked. I call customer service only to find out that XXXX could not provide service in North Dakota. XXXX sent me forms to fill out so that I could return my equipment and told me that I would not be charged for the equipment or service since I arrived in North Dakota since they could not provide service. I was given an amount to pay that would bring my balance to XXXX and assured that I would not be charged any additional amounts. I returned the equipment and paid the bill as instructed, but continued receiving bills for additional service charges. I call XXXX and was informed that their system simply had not been updated and that I owed nothing. Eventually the bill stopped coming, so I assumed everything was corrected, however, in XXXX, I found that XXXX placed the account with collections. I paid the collection account as a matter of eliminating the nuisance of collection, but now find that XXXX XXXX is reporting a collection tradeline on my credit report and is refusing to remove it. This account should never have been placed with collection and the collection tradeline is causing material harm to my credit and is preventing me from obtaining necessary financing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-05

Shalimar, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: ERC has appeared on my recent credit report i am not familiar with this dept, it is not mine and should be removed from my credit report. XXXX was removed from my credit report and had lack of verification which was sold to ERC who has reage this account which is illegal i am also questioning ERC ability to report. Im asking that i recieve the original contract from XXXX showing that this is indeed my debt and also there ability to reage this account, this is multiple laws that ERC has broken i will also be sending this complaint to the FTC for them to review.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-05

Cane Creek, AR

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Enhanced Recovery Company which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-05

NE

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Approximately 3 years ago I had been a customer with XXXX XXXX for 8 years, I called as my service was not working, after a month of jumping through hoops I called again, they said to get a new modem, I spent {$400.00} on various modems within a few months. I finally had enough and called to cancel my internet service. They stated I was in a contract with them, and would have to pay and early termination fee. I stated I have been a customer for 8 years, how am I still in a contract. They stated when I purchased the new modem through them, that I was in a new contract with them. I stated I did not agree to that, and will not pay it. Since then I have had various debt collectors mail me stuff, call and harass me. However, today really upset me as they called my work to collect a debt that is from 3 years ago and in my opinion not a valid debt. I stated, quit calling me, take me to court if you must or whatever your threats are, but stop calling me. I ended up hanging up.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-04

Harvester, MO

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

2018-11-04

IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have had this bad debt on my record and have contacted XXXX XXXX XXXX many times about it. The amount is for canceling my phone contract and they say I never turned in phones. I did and proved it and somehow this collection company got it anyway. So then I contacted Enhanced Recovery Company and was offered a settlement and agreed to it. When I went to pay they said they have no record. I challenged this debt twice and have been given the run around. They have threatened suing me and garnishing my wages even when I tried to come to a agreement with them. My credit have now been effected for yeas over their fraudulent activities. I have tried many times to clear this debt and only been spun by this company.They just lie and spin us and refuse any reasonable offers. ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX, FL XXXX I want a resolution to this so I can fix my credit and buy a home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-04

Killeen, TX

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

2018-11-03

Mabelvale, AR

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

Timely Response

2018-11-02

Bellaire, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: The communication concerns a dispute with XXXX, their failure to provide a dependable and safe service Here are the facts that have been relayed to ERC and XXXX ( ERC is the collection agency for XXXX ) I purchased the XXXX XXXX XXXX phone in early XXXX. The phone immediately started malfunctioning on the very first day I had it with dropped calls and horrible reception. I could n't drive while talking or turn my head The call would just distort and ultimately drop. I ended up exchanging the phone 3 times because the reception was horrible. After 3 attempts to get my service corrected on the premise that the phones were defective Neither of phones ever worked properly and all the while I was paying the bill for both the phone and the service. I met with XXXX representatives at 3 different stores and spoke to XXXX over and over by phone many times over the period of several months. Time and time again they all told me there was nothing wrong with my service area / towers and the phone was functioning properly. They said that " the phone I purchased was an inferior product '' and thats why I had poor service. Another person told me that it was the location of where I lived but the phone didn't work no matter where I was. I work in sales and my dropped calls and continuous terrible reception caused much embarrassment lost customers, lost sales, and non-participation in important meetings and webinars. Then the phone began to get very, very hot and the service got even worse. Finally, I was very frustrated with XXXX and told them that I was not happy with the service and the defective product that I had been sold. I tried time and time again over the phone to get XXXX to help, so I could maintain the service of which I had been a customer with for over 15 years. XXXX did not honor me as a long - time customer and refused to help me. Each time I called I was given lip service by the customer service staff that couldn't even speak English and I became even more frustrated. I am not responsible for these charges of XXXX due to no services rendered on XXXX part which includes the balance of the phone installment. The product I was sold and for which they claim I am I am in debt to them is defective. The phone constantly was getting hot and almost ignited my pillow on fire. It's the same model phone that started catching on fire and blowing up all over the country. The phone was clearly defective and very dangerous. It caused me months of undue frustration, lost sales and embarrassment. All of the above aforementioned information is factual and the communication data is with XXXX recorded customer call history. They record all conversations very quality assurance / customer service I contacted XXXX several times about this matter but they never offered any help other than sending me a bill for the outstanding balance on the phone. I dont feel I am not responsible for these charges of XXXX since the phone they sold me was defective. Now ( XX/XX/XXXX ) the collection agency has reported the balance on debt to the credit bureau and it is effeting my credit. Thank you for you support and I hope you can help me in stopping this collection issue and have them remove the negative entry on my credit file. I was sold a defective and dangerous product that I should not be charged for. Thank you, Regards XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-01

Leeton, UT

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: ERC is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-01

IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Previous Complaint number : XXXX is unresolved. Still no verification of debt has been received.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-31

Austin, 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

2018-10-31

Mauldin, SC

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

2018-10-31

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: There are two debt collections on my credit report that are incorrect. The company XXXX XXXX, apparently, is attempting to collect a debt owed by me to XXXX. When I first saw this on my credit report I called XXXX and asked them if I had opened an account with them, they told me that I had not. I live in XXXX and was in the US for medical treatment by the VA and needed a phone to be in contact for medical appointments and opened an account with XXXX. I filed a complaint with XXXX XXXX stating that I had no knowledge of the debt to XXXX. The complaint was evaluated and stated that I did owe XXXX, as noted on the attached screenshots of my credit report. The last reported use of my account with XXXX is XX/XX/2018 and XX/XX/2018. As stated previously I live in XXXX and no longer need to purchase minutes from XXXX and, therefore, I do not understand why XXXX XXXX is reporting that I did use my account with XXXX or for whatever reason, they are using to report that I do have a debt with XXXX. Thank You for your time in this matter, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-31

Hollis, NY

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

2018-10-30

Cheverly, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This letter is in response a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$100.00}. The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX this amount.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response