ERC

2018-09-04

Val Verde, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I closed or cancelled my account for phone service paid in full at the time. I then switch cell providers. They ( XXXX XXXX closed 2 lines leaving a third line opened. Several months went by and I get a bill for 7 months of service. I contacted customer service with my issues to resolve amicably but to know avail. They continued to charge me for service I did not use. This is felonious in nature and should immediately be removed. I did not notice nor was notified of collection until I started looking for a house. This is keeping me from getting a mortgage loan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-02

Clifton, NJ

Written notification about debt

Debt collection: Credit card 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

2018-09-02

AL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Debts reported to credit bureaus by XXXX XXXX XXXX cell phone company.. Fraudulent activities, was done to account and I had reported to XXXX XXXX XXXX cell phone company, but they are damaging my credit. Wrongfully charge {$1700.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-01

Mcdonough, GA

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

2018-09-01

Portland, OR

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

2018-08-31

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Enhanced recovery company {$970.00} Opened XX/XX/XXXX Last reported XX/XX/XXXX Enhaced recovery company XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX I have no idea what this debit is.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-31

OK

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX hired a 3rd Party to get people to switch phone companies. It was a better offer, so i decided to go with the plan.I went into the XXXX store to get the phones activated and the people in the XXXX store told me the 3rd party had done the switch wrong, so they told me they would cancel the first account and create a new one and notify the 3rd party what had been done. Apparently, the 3rd party was never notified so I was being charged on that account as well. This was all done in 2014 and XXXX XXXX is not showing a date of last activity on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-31

OK

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Not sure why this complaint is being closed ... this is a collection agency reporting incorrect information. I need help getting this removed. I do not owe this collection. See Complaint # XXXX for details
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2018-08-31

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Social Security : XXXX ; XXXX XXXX. False information ( account was reported opened on XX/XX/XXXX ) ; I did not open any account with XXXX or it's affiliate. I do not know of this debt and the last time I owned a XXXX account was back in XXXX, which I wasn't aware of any debt owed, how come I get a collection reported on my credit seven years later? Please, consumers, need to be protected. XXXX XXXX please remove this information as it is inaccurate and should not be on my credit. No account number listed, but information provided was XXXX, XXXX. Send me detailed information that indicates I own the debt, date opened, break down of all payments, and guide to dispute inaccuracies.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-31

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This debt was attempted to be collected by XXXX last year they could not prove I owe the debt because I do not owe the debt had to be removed from my credit report. They have since sold the debt after removing it a month ago to Enhance Recovery XXXX XXXX XXXX XXXX FL XXXX for {$1200.00}. They are now reporting this bogus debt to my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-31

Bremen, 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

2018-08-30

NC

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: XX/XX/2018 I paid {$200.00} to XXXX as a settlement payment and they still will not remove the item from my credit report. XXXX XXXX XXXX. Handled the debit for them.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2018-08-30

Houston, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Name of company ; XXXX XXXX XXXX original creditor name ; known as XXXX XXXX XXXX XXXX XXXX balance is {$1700.00} Date open XX/XX/2018. Steps taken written a handwritten letter to please take off as I don't know about this at all and I have called.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-30

CA

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: XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-30

Bryan, TX

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Receive robo calls from a firm identified as ERC. Have blocked their number XXXX with my provider XXXX, which worked for awhile but now are being repeated daily. XXXX advises ERC uses multiple numbers which defeats the blocking feature. They advised me to report this to you and that you would follow up on their violation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-29

Brighton, UT

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

2018-08-28

Blackbird, DE

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: XXXX needs to be held accountable! I was notified by XXXX ( a collection company ) on XX/XX/XXXX that I had a delinquent XXXX account that had been submitted to them for collection. I immediately reached out to XXXX to discuss the case. I advised them that this was identity theft as the service address was Indiana, and I am a Delaware resident. I have never been to Indiana, let alone started cable service in that state. The perpetrator had used my social security number, previous mailing address and maiden name. XXXX had extended this person credit despite there being a fraud alert on ALL 3 CREDIT BUREAU REPORTS. XXXX requested a Fraud Claim Form be completed. The claim form was submitted, to include a police report. On XX/XX/XXXX a letter was received from XXXX stating that all collections attempts would cease, and all information submitted to the credit reporting agencies would be removed. I was also assured that my SSN had been alerted to avoid any new accounts to be opened. No additional correspondence was received. On XX/XX/XXXX I was notified by XXXX XXXX that I had a new collection account on my XXXX report, regarding XXXX service, submitted to XXXX XXXX XXXX. I reached out to ERC and spoke with XXXX, I confirmed that this was the SAME XXXX account that had been sent to the other collection agency ( XXXX ). I reached out to XXXX twice but both times was directed to someone that spoke broken XXXX and was neither willing or interested in addressing my concerns. XXXX should not have extended credit with my fraud alerts having been placed, and are now using ANOTHER collection agency to collect a debt I do not owe. I submitted all of the requested documentation, yet they continue to harass. My credit score has dropped 18 point because of this! XXXX should be held accountable for allowing an account to be opened with an active fraud alert in place AND for sending the account to not 1, but 2 collection agencies!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-28

Atl, GA

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

2018-08-28

Beyersville, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I do not have a signed contract and or knowledge the company ERC which also goes by the name of Enhanced Recovery Company. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$1600.00}. It is against the law to collect on a debt that is not associated with the original collector and ERC has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to ERC
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-28

Staten Island, 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

2018-08-28

Daytona Beach, FL

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

2018-08-28

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I'VE BEEN RECEIVING PHONE CALLS AND DEBT COLLECTION LETTERS FROM THIS COLLECTION COMPANY ERC ON THE BEHALF OF XXXX XXXX XXXX I REPEATEDLY ASKED FOR DEBT VALIDATION BUT GOES IGNORED ONLY RESPONSE FROM THEM IS THIS DEBT WAS REPORTED VALID FROM THE ORIGINAL CREDITOR. I HAVE NEVER HAD XXXX XXXX XXXX SERVICE SO THIS IS NOT MY DEBT. I AM REQUESTING DEBT VALIDATION IMMEDIATELY ON THIS ACCOUNT OR REMOVE IT IMMEDIATELY FROM MY CONSUMER REPORTING FILE.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-28

Daytona Beach, FL

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

2018-08-28

Norfolk, VA

Incorrect information on your report

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

Information belongs to someone else
Complaint: while checking my credit report with XXXX i noticed an account that stated that i was derelict in the amount of {$640.00} but was a balance of {$0.00} as present.i have no knowledge as to where this comes from. i have never had any relationship with this account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-27

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