ERC

2018-10-02

Chicago, IL

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

2018-10-02

New Orleans, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I CHECK MY CREDIT TO SEE THAT THEIR WAS A COLLECTION ON MY CREDIT REPORT FROM XXXX.IN THE AMOUNT OF {$420.00} I IMMEDIATELY DISPUTED IT DUE TO IT BEING OPEN BY FRAUD..AFTER I RECEIVED A LETTER FROM XXXX XXXX XXXX STATING THEIR OFFICE WAS IN RECIEPT OF MY DISPUTE AND WAS SENDING A VALIDATION WITCH WAS NOTHING BUT BILL WITH MY NAME ON IT ... THIS WAS NOT A CORRECT VALIDATION
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-02

CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: For an account closed in XX/XX/2017, at service/billing address of XXXX XXXX XXXX, XXXX XXXX. Account was closed and balance was paid, and I moved to XXXX XXXX, XXXX CA XXXX. At no time did XXXX send me a bill to close the account. I was contacted by XXXX XXXX XXXX to collect the final bill of {$94.00}, which I paid over the phone immediately. Paid reference # XXXX. I have contact XXXX over 25 times to rectify this situation. My credit score has plummeted significantly and I can no longer qualify for loan or rent. Not only was this NOT my bill ( I was not living nor residing in the home at that time ), and I NEVER received a bill from XXXX prior to this charge being sent into Collection.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-02

Scottsdale, AZ

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Amount they are claiming I owe XXXX : {$80.00} They have called my personal cell phone number from the number ( XXXX ) XXXX on the following dates and times : XX/XX/2018 at XXXX XX/XX/2018 at XXXX XX/XX/2018 at XXXX They also used the following number on XX/XX/2018 at XXXX : ( XXXX ) XXXX I have received multiple collections letters in the mail claiming to be coupons and other misleading things from this company. On XX/XX/2018 this company called my girlfriend on her personal cell phone number at XXXX from the number XXXX XXXX XXXX XXXX. They also called her number on XX/XX/2018 at XXXX from phone number XXXX XXXX XXXX XXXX When answered the calls are completely silent. Upon calling them back it's revealed that its this collection agency. This debt is originally owed to XXXX from a no contract phone service. They keep reporting to my credit as a recent debt to keep collecting. I've checked my credit reports and their claim keeps getting updated as if I just acquired it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-02

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have contacted this company several different times and have asked for the original contract with my original signature on it, I have yet to receive any of this and it's been well over 30 days.This is an invalid account with inaccurate information in it and I demand this be removed from my credit report.Its ruining my credit score that I've worked hard to build.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-02

Champaign, 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

2018-10-02

Brooklyn, 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

2018-10-01

Denver, CO

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

2018-10-01

Harlowton, MT

Took or threatened to take negative or legal action

Debt collection: Other 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

2018-09-30

Phillips Ranch, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: not my debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-29

MO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/XXXX, I reached out to XXXX XXXX XXXX , XXXX, regarding a debt that is not mine, but is reporting on my credit report for via XXXX in the amount of {$420.00} with an open date of XX/XX/XXXX, via letter. The letter asked them to validate and verify the debt within 30 days, and if not validated nor verified during the allotted time frame, that a complaint would be filed due to noncompliance with this request and could possibly put the company in legal trouble with the FTC and other state or federal agencies. It is well over 30 days and I have not received a response. Under the FCRA 15 U.S.C. 1681i, all inaccurate, no contract, invalidated, and unverifiable accounts must be promptly deleted. Therefore, since they were unable to verify and validate this debt, I am asking that it is removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-28

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company ERC. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-28

Everett, WA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I have been in dispute with XXXX about this bill. I have had it removed from credit due to dispute with other collection agency, only to have it moved to another collection agency and placed on credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-28

La Place, LA

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

2018-09-27

Happy Valley, OR

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

2018-09-27

Bolling Afb, DC

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

2018-09-27

AL

Incorrect information on your report

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

Account information incorrect
Complaint: I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-27

Anaheim, CA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: I received an email about a collection on my credit report, it stated I opened this account 11 months ago and never paid the amount due this is a lie. I have been with XXXX XXXX for the past 2 years and before that I was with XXXX 2 years prior to that this is a false charge.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-27

Escondido, CA

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

2018-09-26

Alts De Bayamon, PR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: account number XXXX is not my debt because I send the equipment ... I dont have debt with XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-26

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

2018-09-26

Little Rock, AR

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

2018-09-26

Hixson, TN

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

2018-09-26

Cocoa, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-25

Lithonia, GA

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