ERC

2018-10-30

Lexington, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I contacted by phone, XXXX XXXX XXXX # XXXX out of XXXX, NC on XX/XX/2018 Talked to XXXX ( recorded ) after I found out that Company placed a collections for {$1100.00} for a XXXX Bill on my credit reports. I let her know that this was not my debt/account. I have no contract with XXXX. Please send me written proof ( copy of contract ) also to remove it from my credit report. I was told she would contact me later after letting her supervisor know what was going on. I heard nothing else from them. Today ( XXXX XX/XX/2018 ) I received from a new collections group, XXXX XXXX XXXX ( ERC ) out of XXXX, FL. I called and talked to XXXX ( again Recorded ) I explained again that this was not my account, but she didn't want to hear that, she told me they collect the money. The amount was for {$1100.00} for the XXXX account. I again asked this company to show proof. Its not in her wheelhouse they just collect. She wasn't going to argue basically its my problem. Me asking how you think I should give you money I don't owe is arguing I guess, instead of trying to help me. She said " we will report it to the Credit Bureau 's in XX/XX/XXXX '' I think she said on the XXXX. I said its already on my report and she said " Not by us! '' She did tell me how she would send me a fraud paperwork packet and I would need to call the police and get a report and all kinds of things for me to do. How about you showing me proof FIRST. This is not fair to demand my money without proof its owed. I know that collection Agencies purchase debt to collect from others. They are not verified!!! That is now two different collection companies that have and is now, not verifying the owed debt of of person before destroying their credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-29

Mcdonough, GA

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

Timely Response

2018-10-29

Orion Twp, MI

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: On XX/XX/2018 I sent a request to XXXX asking them to verify the account being reported on my report by XXXX XXXX XXXX XXXX for XXXX in the amount of XXXX. I asked for copies of documents. They responded within 30 days without documentation saying that the account had been verified. I sent a second request on XX/XX/2018 asking for a demand for validation with documentation. On XX/XX/2018 I received notice from XXXX that the company that reported the information has certified with XXXX that the information is accurate. ERC was sent a letter requesting validation and documentation on XX/XX/XXXX, as I believe the reporting is in error. On XX/XX/2018 I received a XXXX bill from them. One in the amount of {$1000.00} and another for XXXX. This does not prove the account is mine. I am asking for original documentation or contract that validates the account being mine, as I believe this account is being reported in error and negatively impacting my credit worthiness.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-29

Ehrhardt, SC

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Complaint: On XX/XX/XXXX, I XXXX XXXX XXXX tried to get a loan, was told that ERC, a collections company had placed a new negative item on my credit, Fraud and Identity Theft. I attempted to contact ERC twice, I was informed by ERC that this was XXXX ( phone company ) and it was a bill. They just placed this on my credit, the bill was from XX/XX/XXXX, 4 years ago. I have never been with XXXX. ERC had my personal information that is public knowledge. However, they could not provide any proof or evidence that I ever was with XXXX. This is fraud and identity theft. They stole my information and then attempted to get money from me illegally. There is no evidence, because I never had anything to do with XXXX. When I spoke with ERC twice, I talked with there supervisor, she twice transferred the call and the call went dead. ERC there phone number is : XXXX. The amount in question : XXXX. Please assist. Thank you. This negative information 4 years ago, that is fraud is hurting me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-29

Irving, 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

2018-10-29

Indiahoma, OK

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-28

Brooklyn, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-27

Rochdale, NY

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

Timely Response

2018-10-27

Gr, MI

Credit monitoring or identity theft protection services

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

Didn't receive services that were advertised
Complaint: I reviewed my credit report, and noticed charges that were not mine. I was told to file a police report. After jumping through all of the hoops to do that, which we followed exactly, the unauthorized accounts were said to not have been removed. I FILED A POLICE REPORT and showed it as proof of me having this terrible issue, and so many accounts are still reporting negatively and ruining my life. Ive reached back out to fix the issue, and not having any luck. This is literally ripping me apart, and i dont know what else to do.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-26

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I Contacted ERC ( Enhanced Recovery Company ) Asked for a debt validation request some me i own the debt. All I received was a screenshot of a bill I know nothing about. I asked them to provided me something in written saying I own or signed up for this debt and they could prove nothing. This debt need to be removed from my credit ERC nor XXXX could provide me with anything In written with signature Stating I Own or agreed to this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-26

Atl, 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

2018-10-25

Santa Ysabel, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: A collections agency named XXXX XXXX XXXX has been harassing me. They have all of my information which is very upsetting and say they need to collect a debt owed to XXXX. The amount is {$100.00}. I closed out my XXXX phone account 2 years ago and paid everything in full. In XX/XX/XXXXthis collections for {$100.00} showed up on my credit. I went into the XXXX store and XXXX said they can not find anything about this and that it is even hard to find info on my account as it has been closed out 2 years ago. They said DO NOT talk to the collections agency and they don't know what this is about. XXXX XXXX XXXX is fraudulent and will not stop calling my cell phone and harassing me at my place of work. I have already filed a dispute with the credit agency in regards to this fraudulent claim. I want this collection removed from my credit. I would also like this company investigated for fraud and harassment. They have been reported to the XXXX 1603 times for claims of harassment and bothering people in addition to multiple other complaints online. Thank you in advance for your help with this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-25

Fort Worth, TX

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I do not know where they got my # from but told 2 agents in separate ocassions tha the person they looking for is not me and i have No Business with ERC block the # and they called from a different # is very annoying and disrespectful, i did Not cosign for anyone Im Not The Person they looking for ...
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-10-25

Charleston, 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

Timely Response

2018-10-24

Gretna, LA

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

2018-10-24

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I moved my service from a house to an apartment. My fish wasnt able to be installed due to location so the rep took the dish with him and I was instructed to dispose of the box. I was issued a refund for the month since I was no able to use the services. XXXX XXXX then booked me {$55.00} and put the account in collections. I contacted them and they resolved the error, stating they balanced the account and removed the collections. It has been 2 years and XXXX XXXX has put the account back in collections again, after previously resolving. XXXX told me to just pay it, I will not pay a balance that I do not owe and I will sue XXXX XXXX for damaging my credit fraudulently. XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-24

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I want to dispute a debt that, I just saw on my credit report. The debt is not mines. It is from XXXX XXXX XXXX originally from XXXX dated XX/XX/2017 for the amount of {$860.00}. Please remove it from my credit I do not owe this debt, the debt is not mine. Thank You
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-23

San Diego, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-23

Leeton, UT

Incorrect information on your report

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

Account information incorrect
Complaint: ERC is reporting a collection on my credit file. I did not know about this collection until I checked my credit file. I did not receive any notice for this debt, and as soon as I seen this on my credit file, I immediately called and paid the debt. I was not given my 30 day " RIGHTS '' to dispute this collection, and it was just added on credit file. This is in clear VIOLATION.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-22

Dallas, 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

Timely Response

2018-10-22

IL

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I was looking over my credit report and I received a notification on XX/XX/2018 from " XXXX XXXX '' attempting to collect a debt of {$360.00}. The original creditor name is XXXX. My closing statement is I have no knowledge of this account what so ever and where it came from. It would be appreciative to have this negative item removed because its effecting my credit history. Thank you. Also, I have another complaint against another collection agency by the name of " enhanced recovery collection '' who on XX/XX/2018, also is trying to attempt to collect a debt of {$760.00}. The original creditor is XXXX. Prior to this collection there was a previous collection with the same creditor ( XXXX ) by the name of XXXX XXXX with the balance of {$760.00} and it was later removed in XX/XX/2018. I would also like for enhanced recovery collection to be deleted immediately. This is illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-19

Nyc, NY

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: After receiving an initial letter from XXXX XXXX XXXX ( ERC ) I replied in writing that I disputed the validity of the alleged debt and that any future communication from them was to be exclusively in writing ( no telephone calls to any number ). To date I have not received any verification or validation information or even any acknowledgment of my dispute and they continue to call my cell phone ( sometimes multiple times per day and/or early in the morning ) despite receiving both written and verbal cease communications orders.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-19

Glenarden, MD

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

Untimely Response

2018-10-18

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: The Original Creditor ( XXXX XXXX XXXX ) closed the account of {$1100.00}. An unauthorized account was opened by XXXX XXXX COMPANY LIMITED LIABILITY COMPANY on XX/XX/2016.Nothing is due to XXXX XXXX COMPANY LIMITED LIABILITY COMPANY because I never agreed to a contract with them.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-18

AL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I filed a complaint ( complaint number XXXX-XXXX ) on XXXX XXXX. They is listed on my credit report as a collection company and i have the right to ask them to validate the debt according to FDCPA and they didnt. ERC have been a collection company trying to ruin individuals lies by placing false accounts on consumers credit report.I have attached their response so the cfpb can see all the lies and non compliant incorrect information they attached to the last complaint. 1. ) They said they agency is not a debt purchaser but it clearly say on my credit report they is a collection company first violation 2. ) If they service the account their behalf they purchased the account and was paid by whoever to collect on it so another violation. 3. ) they said erc is in compliance which is not true because they collecting on a debt and they acting as if they is not. 4. ) they said the contract with be with XXXX and not them well XXXX should collect on it and not them when they placed that collectionaccount on my credit report they are collecting on it so another violation 5. ) I clearly stated i do not have an account with erc so they flipped the complaint around acting as if i need a fraud packet and i dont because i am correct i do not have an account listed with erc and they need to delete this incorrect information from my credit report i do not have an account with erc
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response