ERC

2018-09-11

Las Vegas, NV

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

2018-09-11

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On Tuesday, XX/XX/2018 I received notification from XXXX that my credit score had dropped due to a collections that had been posted to my credit history from a creditor named XXXX XXXX ... an apparent creditor for XXXX. The collections agency assigned to collect the debt is XXXX XXXX XXXX ( XXXX ). I spoke with a representative who identified himself as XXXX XXXX with XXXX XXXX XXXX and he told me that they showed I owed {$710.00} on an open XXXX Account, account number XXXX. The credit change to my report stated that between XX/XX/2018 and XX/XX/2018 a " new account '' was added in collections to my credit report. I have no open, unpaid accounts with XXXX and this bogus, ridiculous hacking of my credit report is unacceptable and I would like evidence of my obligation to any XXXX account. I think it's an outrage and a discredit to XXXX XXXX apparent inability to identify closed, paid off accounts and I dispute this derogatory mark that they have placed on my credit report and would like it removed immediately. I have had repeated issues in the past with harassment from XXXX on either a bogus account or accounts that were not properly reflected as paid off. My credit score has gone down nearly 30 points because of this inept misinformation presented by XXXX XXXX and the XXXX XXXX XXXX. Please help me resolve this matter. Thank you, XXXX XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-11

Klein, TX

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

2018-09-10

New Brit, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-09-10

Augusta, GA

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 called this company and asked to have something taken off my credit report that i paid in XXXX. I asked the gentleman how long would it be on my report and he said their practice is to never take it off I said but sir most companies I have talked to say it is at their transgression to where it comes off in the present or 7 years. I don't understand the purpose to just out right ruin someone's credit if they have paid you in full. The company I was talking to was ERC DEBT COLLECTION. They collected payment for an account I had with XXXX XXXX XXXX. It was placed on my credit report XXXX I paid the full amount {$250.00} in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-10

August F. Haw, CA

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

2018-09-09

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I saw on my credit report that enhanced recovery company had reported a debt on behalf of XXXX XXXX. I researched the company through the secretary of state and the internet to find to an address to send a certified debt verification letter as I know nothing about this debt. I sent a letter based of the same consistent address I received from from the company 's website and the secretary of state website. However, I received the letter back OPENED and marked undeliverable. I have yet to hear anything from the company, the debt still has not been verified, and it has not been removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-09

Virginia Bch, VA

Took or threatened to take negative or legal action

Debt collection: Other debt

Collected or attempted to collect exempt funds
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-08

Encino, CA

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

2018-09-06

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX, the original company, was paid in full when I left them for XXXX. They have send three other collection agencies about this and they've all backed off upon review of the evidence but they continue giving the account to additional agencies in order to destroy my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-06

TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Asked ERC to please send me validation of debt. They never sent anything. Today, they contacted my husband, which I don't know how they got his number, but they did not give him any information. Just said it was an important matter. I called ERC back again, and asked them what they needed, and gave them my name. They looked up my name, and said there was nothing in their office, which I already knew. Got another call on my phone from ERC and the lady told me she needed my SSN. I told her NO, and hung up the phone. Still don't know what this is about, nor have I received any paperwork from this company. Will not leave me alone ....
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-06

VA

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Complaint: This complaint is against a company called -- ERC- ( XXXX XXXX XXXX ). We found out today with a mailing from them after 1 ) We disputed this alleged debt of {$970.00} with them in XXXX 2 ) I also disputed this with 4 prior collection agencies since XXXX and will attach all documents to this dispute. ERC - XXXX XXXX XXXX is violating multiple times our request to note in reports to the 3 - Credit Bureaus, including XXXX XXXX, that " This consumer disputes this debt. Our XX/XX/XXXX written notice to BOTH - ERC and XXXX XXXX was our 3rd request to remove the report that we are in collections and note our balance at {$0.00} and/ or note " Consumer disputes debt " in our credit report 3 ) Even after we notified BOTH ERC and XXXX XXXX 3 times in the past year, they refuse to report fair and correct.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-06

NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XX/XX/18 - ERC manganger XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Repeated calls trying to collect debt from a XXXX XXXX with a different SS #. My name is XXXX XXXX XXXX with a different SS # and different birthdate. Has been going on for years calling my cell phones ( XXXX ) XXXX, ( XXXX ) XXXX and the home phone ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-06

Liverpool, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: After reviewing my credit file it has come to my attention that ERC is reporting 2 accounts representing XXXX onto my credit file. One in the amount of {$370.00} and another in the amount of {$610.00}. Not only do these accounts do not belong to me I was never informed and given my right to dispute the validity of these 2 accounts. I have never received any communication regarding these accounts from ERC. I am a victim of identity theft. 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

2018-09-06

Rochdale, NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I had XXXX in XXXX, I have filed several disputes with the credit bureau and I currently have a dispute open with the collections agency for over 31 business days. They refuse to take it off my credit report. What they did is they changed the dates on the debt to make it look like I opened the account in XX/XX/XXXX. Which is illegal. XXXX has also yet to respond to the dispute. They are not keeping up with FCRA requirements. This has damaged my credit and I have been denied many loans and bank accounts because of this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-06

Fullerton, CA

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

2018-09-06

Clayton, MO

Incorrect information on your report

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

Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-05

Henrico, VA

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

2018-09-05

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XX/XX/2018 - I found proof of payment for a debt posted on my credit report by XXXX / XXXX XXXX XXXX in the amount of {$180.00}. I submitted a dispute and proof of payment which resulted in the account being removed from collections and updated on my credit report. XX/XX/2018 - XXXX/XXXX XXXX XXXX reported once again for the amount of {$180.00} on my credit report again, causing my credit score to drop several points. I have already researched and provided proof of payment and documented evidence that this account was paid - I respectfully ask that this account be removed again from my credit report. The collection was reported erroneously for a second time and ask that it be deleted completely from my records. The following company has caused serious delay in securing a mortgage due to their errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-05

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

2018-09-05

Cary, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a letter from ERC with regard to ( 1 ) collection for XXXX XXXX XXXX. I reached out to ERC asking what I needed to do to dispute this item. This account did not belong to me ; and the proper documentation was sent into XXXX. Its was removed from my credit file in XX/XX/2017. I am not clear as to why XXXX is still attempting collection activity. The previous collection agency was XXXX XXXX. What do I need to do to get this resolved. I do not want this on my credit report. I have attached the fraud form that was filled out ; police report and previous explanation to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-05

Tucson, AZ

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: ERC : XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX in XXXX this item appeared on my credit report ( ALL 3 ) stating I owed ERC a collection company, over {$700.00} for XXXX. It took me several attempts, and multiple disputes, as this was not my account. They finally deleted this incorrect information from my credit reports in XXXX. On XX/XX/XXXX I received a notice stating I owe XXXX {$770.00} and it has been placed with ERC for collection efforts, and has been authorized to report this debt to credit reporting agencies. Why is this nightmare re-surfacing??? It took me nearly 3 years to dispute, and resolve and have deleted and now they are trying to re-submit?? I feel this is a threat. And they are trying to get money out of anyone that will respond. This is NOT my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-04

Library, PA

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

2018-09-04

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-04

Louisville, 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