ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 61
2018-08-27
Itasca, IL
Threatened to contact someone or share information improperly
Debt collection: Other debt
Contacted you after you asked them to stop
Complaint: The status open date for collection precedes the date provided by original creditor. Name of original creditor does not match what XXXX XXXX XXXX XXXX claims the original creditor to be. Contact information being listed is matching to the original creditor [ XXXX ] which claims not to be the original creditor. Account number is being listed and displayed incorrectly.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-08-27
Milwaukee, WI
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
2018-08-26
Frankfort, IL
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
2018-08-26
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
2018-08-26
AZ
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 first received the collection from ERC on XX/XX/2018. I responded immediately with a certified validation letter that they received on XX/XX/2018. On XX/XX/2018, they sent another letter acknowledging receipt of my letter. They only provided a bill for validation. On XX/XX/2018, I sent them a response letter informing them that they did not correctly validate the debt. They received the certified letter from me on XX/XX/2018, but I never heard back from them after the second letter I mailed them. Next thing I know they reported to at least two of the credit bureaus on XX/XX/2018 stating that I owe this debt that they never validated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-08-26
San Luis Obispo, 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
2018-08-25
Portland, OR
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: XXXX XXXX XXXX ( ERC ) reported a collection of {$390.00} for XXXX XXXX XXXX mobility. I paid the collection in full, and actually paid extra for a total of {$400.00} for them to process the payment over the phone. The payment was made XX/XX/2018, and the money was withdrawn from my bank account the next day on XX/XX/2018. A week later, I checked my credit report and it showed a {$0.00} balance, but the entry was still OPEN. there was an option to dispute the entry with XXXX, so I disputed it to be marked as a CLOSED. the dispute came back saying the information was accurate and the balance went back up to {$390.00} showing it was never paid, and then a missed payment entry for the balance was also posted to my credit report. I have contacted ERC several times to get this false information corrected. I was told by ERC to not dispute the entry, and that they would correct the false entry and it would take up to 45 days for the information to be updated. Every time I call ERC I get told they will re submit and I have to wait another 45 days. Ive talked to supervisors at ERC but nothing has been done. I get a different response each time I call, and they claim the entry is in dispute and thats why its not updating. I have not disputed the entry since XX/XX/2018 when I was told not to dispute it and wait 45 days.
I have also contacted XXXX directly several times and submitted documents from ERC saying the payment of {$400.00} was made on XX/XX/XXXX. XXXX says they did an investigation and found that the information was accurate, which it is not. Ive attempted to resolve this for 3 months with both ERC and XXXX and both of them have been giving me the run around and telling me something different every time I call, even when I have submitted proof of payment of the debt, and submitted a written letter explaining the situation to XXXX they have not corrected the false entry. ERC is telling XXXX the information on the entry is accurate, when it clearly is not. I paid the full collection in one payment, the entry should have been updated to show a {$0.00} balance and be marked as CLOSED. i have been trying to get this resolved for months and have done everything asked by XXXX and ERC and still nothing has been done.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-08-25
Reading, PA
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
2018-08-24
Morrow, OH
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: I called XXXX XXXX to see why I was being put into collection.XXXX XXXX told me it was for non returned equipment.i had returned this equipment.erc is the collection agency I contacted them to let them know I had returned the equipment and they said there was XXXX dollar late return fee I have not seen a contract with this on it with my signature.this is an added fee that I need a copy of the contract that states this.the man at erc said if I don't pay he will report to the credit beaureas.i informed him this was a violation of frca rules and I was contacting the cfpb.he said it could be resolved if I payed him today or he would report to the credit beareaus.this man was rude and abusive.under frca rules he can not report to the credit beareaus while this is disputed.he needs to be held responsible for his behaviors this was all on a recorded line.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-08-24
College Park, NV
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
2018-08-23
Charleston, 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
2018-08-23
FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I checked my XXXX account and seen that XXXX XXXX and XXXX are showing on my credit report for {$310.00}, XXXX sold this account to XXXX XXXX. I sent XXXX XXXXy a certified letter in XXXX to have them validate that this debt is mine. The company send me a letter back with a paper that shows a bill in my name. The company is not providing me with any documentation with my original signature that this debt is mine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-08-23
El Sobrante, 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
2018-08-22
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
2018-08-22
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
2018-08-22
Clermont, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: I have disputed this charge with XXXX, I have contacted them and informed them, I never had, any contract with them, nor phone services, that I never authorized my name or my social. They call 3-4 times a day, I am an XXXX Veteran on a fixed income, XXXX XXXX XXXX XXXX, I have never ever, signed, anything. This is affecting my credit, and causing me stress, I had a security freeze on my credit report due to this as well and a lock to prevent anyone getting things in my name I unfroze my credit report a week ago., and as you can see in uploaded documents they added and update to my XXXX when I unlocked on the XX/XX/XXXX and XX/XX/XXXX, I am asking THEM TO REMOVE AND DELETE THIS FROM MY CREDIT FILE, AND NOTIFY CREDIT BUREAS OF THIS IMMEDIATELY
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-08-22
Houston, TX
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
2018-08-21
Phoenix, AZ
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
2018-08-21
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
2018-08-21
Chicago, IL
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: Enhanced Recovery Company ( ERC ) is reporting I closed an account with them on my credit reports. The account in question is an old XXXX XXXX XXXX account from 2013. This account and all related debt was settled and paid with XXXX XXXX XXXX directly and was NOT paid to ERC. I have never heard from ERC nor have I spoken with them about this matter. They have not validated this account after my requests they do so and have no right to report that this account was paid to them since it was paid to XXXX XXXX XXXX. I wrote ERC regarding this matter and disputed this information in my credit files. ERC, responded without proof or written validation that the account was accurate. This can not be since, and I repeat, I have never had any interactions with this company. ERC 's refusal to validate their claims and their previous responses to my inquiries over this matter have put them in direct violation of the Fair Credit Reporting Act ( FCRA ), which is a position ERC has been in many times in the past. The internet is full of documentation that ERC systematically engages in this sort of behavior.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-08-19
Bremen, GA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: I was contacted by ERC to collect a debt for XXXX. I notified them that the amount that they were collecting was not what I owed. I agreed to pay a reduced amount so that this would not go on my credit report. Not only did they put it on my XXXX report after I paid, they are reporting that I owe a large amount of money. I have sent multiple certified letters to ERC concerning the information that they are reporting and I have documentation of each letter. I have asked them to verify the information that they are reporting and they have never responded. I know that they do not have the ability to verify the information because it is incorrect. Under the law I have the right to request verification for information being reported and I have not received anything from them within the specified time limits. Therefore, they are required by law to remove the information. I would like for this company to no longer contact me and to remove any and all false information from my XXXX report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-08-19
Foothill Ranch, CA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence.
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards. THIS COLLECTION AGENCY AND PRIOR/POSSIBLY NEW ONES ARE AFFILIATED WITH THE ORIGINAL CREDITOR AND COULD POSSIBLY REMOVE THE DEBT THAT IS NOT VALIDATED AND RETURN DEBT TO ORIGINAL CREDITOR.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-08-19
Progreso Lakes, TX
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
2018-08-17
Fremont, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2018-08-17
Bel Nor, MO
False statements or representation
Debt collection: Other debt
Impersonated attorney, law enforcement, or government official
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation