ERC

2018-09-25

Harsens Is, MI

Incorrect information on your report

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

Information belongs to someone else
Complaint: After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. I have never received collection calls from this debt collection agency. Later, I was able to get this information updated and even placed a fraud alert on my credit report. I have been in communication with the debt collection agency XXXX XXXX XXXX ( ERC ) constantly advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. ERC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). ERC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously, and hurt my ability to obtain credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-25

Milwaukee, WI

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

2018-09-25

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I did not have XXXX as a provider on XX/XX/2015 I had at & t I do not know where this bill came from or who it belongs to, it is very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even use XXXX in 2015.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-25

Bloomington, MN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: My complaint is in regards to an erroneous collections account with Enhanced Recovery opened against me by XXXX in 2015. I never received notification of the collection account being opened, and when learning of it ~8 weeks ago after having my credit pulled for a home loan I contacted XXXX Support. They discovered the account was opened in error and had the balance ( about {$80.00} ) on the account set to {$0.00}. However the collections account still shows on my credit report as " Paid in Full '' even though I never paid ( XXXX had the balance canceled ) - I simply needed the account deleted as it is impacting my credit and my ability to close on a mortgage. I was told by XXXX support that I would receive written acknowledgment of the account closure, but this never came. I have attempted to get acknowledgment again but have been told that now that the account is closed there is nothing that can be provided, either in email or physical form.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-09-25

Clayton, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This company is attempting to collect a debt that has not been VALIDATED or VERIFIED. I asked the company for VALIDATION of this debt and they have failed to do so. They sent me billing statements which is not VALIDATING this debt. Also I've previously disputed this company for this same reason and somehow they managed to get back on my report, they did not notify me within the allotted time period they were going to add this back to my credit file. Therefore this needs to be removed from my credit report and this company needs to cease communication with me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-25

Chestertown, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-25

Clayton, MO

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Contacted you after you asked them to stop
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-24

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

2018-09-24

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

2018-09-24

Beaumont, 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

2018-09-24

Laredo, TX

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

2018-09-24

Bremen, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Back in XXXX, I have sent Enhanced Recovery Co a letter of validation for 2 accounts that were placed with them, XXXX XXXX XXXX XXXX and XXXX. I have received no communication regarding this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-24

Jupiter, FL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: Problem with a credit reporting company 's investigation into an existing problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-24

El Mirage, AZ

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

2018-09-24

Katonah, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I switched cell phone companies from XXXX to XXXX and they told me that if I switch they would pay off what ever I owe to XXXX. I'm not sure if this agreement was fulfilled by XXXX. I have not received any notifications from XXXX stating that this wasn't paid and they didn't tell me that this was going against my credit. Now I have a derogatory mark on my credit XXXX {$640.00} profile because of this problem. My XXXX report is showing no Derogatory Marks.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-23

Stamford, CT

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

2018-09-23

Bellevue, TX

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: I called XXXX XXXX XXXX ( ERC ) because they were on my credit report and I wanted to find out why. I spoke with a very nice collector by the name of XXXX. She explained that I had a debt from XXXX XXXX XXXX in the amount of {$410.00} that was owed from 2009. XXXX explained everything to me in a respectful manner. I asked her if there was a way to get this debt deleted from my credit report. I also asked about a settlement on the debt. XXXX placed me on hold and came back to the phone and said they could settle the account for {$110.00}. I asked about the credit reporting and if this debt could be deleted once the settlement amount of {$110.00} was paid. I explained that I wasn't sure how I owed XXXX XXXX XXXX if I was still a current customer with XXXX XXXX XXXX. XXXX put me on hold again and a guy came, XXXX XXXX, came back to the phone saying he was the supervisor. His tone was extremely aggressive and threatening. He made rude comments like, " We've been on the phone for 20 minutes already, are you going to do anything, because we're wasting time here '' He was very condescending as well. I asked for the address and it seem to bother Mr. XXXX. He said it very fast and when I asked him to repeat it, he said, " Let me say it very slow and spell it for you since you have issues. '' This was extremely insulting and I was deeply offended.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-22

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2014 I opened an account with XXXX, I switched providers thinking everything was good with no money owed. I just created a XXXX XXXX and noticed I have a derogatory remark on my XXXX and its affecting me to finance a house. However, I was never notified about this debt and never received a bill. I would like to address this immediately and get this negative remark removed from my report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-21

Hamburg, 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

2018-09-21

Sanders, KY

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

2018-09-21

Lenoir City, TN

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

2018-09-20

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

2018-09-20

Phillips Ranch, CA

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

2018-09-20

Ocklawaha, FL

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

2018-09-20

Billerica, MA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: so i pay XXXX to this company, after a few attempts to get a proof of debt, i receive the same bill 4 times. none on them explain the amount own, so for almost 3 month i been dealing with the collection agency to get a refund of the amount i already pay, because they couldn't proof the i own the amount.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response