ERC

2018-10-18

Houston, 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

2018-10-17

Cleveland, OH

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

2018-10-17

Bellaire, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Enhancement Recovery Co is reporting a debt of {$470.00} on a debt previously removed due to an account in my ex spouses name reporting by another collection agency
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-17

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

2018-10-16

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

2018-10-16

Hillsdale, NJ

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-15

Wallington, NJ

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-15

Saint Louis, MO

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 recently requested a copy of my credit report and noticed that XXXX XXXX XXXX ( ERC ) is reporting a alleged closed account ( closed by them ) on my credit reports. The alleged account in question is a XXXX Account from 2015 which is past the Statue of Limitations ( SOL ) in the state of Missouri. XXXX XXXX XXXX ( ERC ) continues to harass me regarding this alleged account that again is pass the ( SOL ). This alone has put them in direct violation of the Fair Credit Reporting Act ( FCRA ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-15

Cherry Brook, MA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Enhanced Recovery is attempting to collect upon a fraudulent debt and listing the account illegally on my credit reports. They received correspondence from me via certified mail XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. They have refused to reply with validation and have broken 209 CMR 18.17 in that they are illegally reporting under their own name to the bureaus. This account needs to be immediately removed from my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-15

Phila, PA

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

2018-10-15

San Jacinto, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On or about XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX stating I owed them XXXX. I responded with a debt validation letter request sent on XX/XX/XXXX. In that validation letter I requested to see the original contract with my signature on it binding me to this debt. ERC did not respond by sending the original contract with my signature but instead with a bill that that appears to be fraudulent. I have used a red pen to specifically point out the inconsistencies in the bill received. The bill amounts, the fonts, dates, inconsistent information and formats are different from each other. I want ERC to be mindful that I reserve my rights to file charges and complaints with FTC and appropriate county, state and federal authorities if the documents received are willfully and deliberately misleading and false.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-14

Shulerville, 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

2018-10-13

AR

Written notification about debt

Debt collection: I do not know

Notification didn't disclose it was an attempt to collect a debt
Complaint: ERC WENT ON MY CREDIT REPORTS AND KEEPS CALLING FAMILY MEMBERS.. CEASE AND DESIST COLLE CTIONS AND CEASE COMMUNICATIONS.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-12

Inglewood, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I called the debt collections agency XXXX XXXX XXXX to resolve this issue, because the debt is not mine. I told XXXX XXXX XXXX that the debt is not mine, but they will not remove the three debts originally two from XXXX dated XX/XX/XXXX for {$160.00}. The second is also from XXXX dated XX/XX/XXXX for {$690.00}. The third is from XXXX XXXX dated XX/XX/XXXX for {$590.00}. Three of which I have never had. Please help me remove the debt from my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-12

AR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was alerted through a credit monitoring agency that a new collection was placed on my credit report. I immediately looked to see what it was because I have not made any changes to my credit and found the collection agency name is ERC and original creditor is XXXX XXXX. It claims the open date is XX/XX/2018. The status is open and the last reported date is showing XX/XX/2018. The amount of the balance shows to be {$700.00} and it is placed for collections. I have not opened any account with this creditor and do not use this company and never will. I don't know if the company has made a mistake or if my identity was stolen but I can assure you I did not open this account and I want it removed immediately. It's amazing to me that in a 4 month time span without ever sending me a notice in the mail, a creditor can just place an account on my credit report for a collection I don't owe. It should be a criminal offense and come with a large fine and jail time for the CEO. I'm sure XXXX XXXX XXXX make enough money that they need to stop attempting to steal from a working middle class family.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-12

Indianapolis, IN

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened to sue you for very old debt
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2018-10-11

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

2018-10-11

Newark, NJ

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

2018-10-11

OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX and other agencies and will file for damages up to {$1000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-11

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I was not given the proper notice to dispute this debt that is dragging down my credit score on my report. This debt has since been closed and paid.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-11

Clarksville, MO

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: Today ( XX/XX/2018 ) I received a call from ERC asking for XXXX XXXX. This is the first time they have called asking for this person. The calls have been going on for years now and I repeatedly keep asking them to remove me from their list but it continuously keeps happening. It may not be the same company each time since the numbers are always different and from different states occasionally. I am an XXXX XXXX military member and find it exceptionally aggravating getting calls throughout the day ongoing for several years now. Please help me remove my number forever since I am a XXXX and changing my phone number would be detrimental to achieving my XXXX mission.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-11

Charlotte, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I had an account that was Paid in Full ERC .I have been shopping for a home in the last 6 months an I had an ERC ( XXXX XXXX XXXX ) XXXX account back in XX/XX/XXXX it was paid if full on XX/XX/XXXXand during that time, I was under the impress the account would be deleted from my credit profile. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have paid off all of my past dur accounts, and I look forward to buying a home this year. Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative PAID account from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-11

Benton Harbor, MI

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

2018-10-10

Bloomington, MN

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX XX/XX/2018
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-10

Fort Worth, TX

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