ERC

2018-08-17

Fort Lauderdale, FL

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

2018-08-17

Columbia, SC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX is not the original debtor. XXXX XXXX XXXX is. It is a violation of my rights because I didnt sign any debt with said collection Agency.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-17

Phoenix, AZ

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

2018-08-16

Anaheim, CA

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

2018-08-16

Scottsdale, AZ

Incorrect information on your report

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

Information belongs to someone else
Complaint: for 2 years collection companies have dinged my credit rating for an XXXX bill of {$1500.00} since XX/XX/XXXX. every time this bill is passed to a new collection company they note on my credit report that it is collection, reducing my credit rating, they never correct it. this is NOT my bill, finally they drop the calls but never correct the credit report on XX/XX/XXXX it happened again, XXXX XXXX XXXX did it again, put it into collection on my credit report -- - THIS HAS TO STOP
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-16

Norwood, MA

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

2018-08-16

Beaumont, TX

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

2018-08-15

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I paid a debt owed to XXXX XXXX in full on XX/XX/2018 in the amount of {$470.00} and they told me it would be removed from my credit report once it was posted to my account. It has posted and the confirmation number is XXXX. However, the collection agency ( Enhance recovery ) refuses to remove it after the originally creditor agreed to delete. The collection agency agent ( XXXX XXXX ) says they will not delete from my report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-15

Memphis, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: The credit bureau did not respond within 30days. They also reported the accounts was updated and did not provide verification.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-15

Camden, NJ

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

2018-08-15

Palm Desert, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-14

Boca Raton, FL

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

2018-08-14

Austell, GA

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

2018-08-14

Canton, 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

2018-08-13

Oxford, GA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: No knowledge of debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-13

Jamaica, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: As permitted by the FDCPA, I sent a letter to Debt collection company ERC ( XXXX XXXX XXXX ) asking them to validate a debt they have continually harassed me about. They sent me a letter months ago stating they that they will no longer pursue this debt. This response was due to the fact that I asked for validation before and they could not provide it.. This supposed debt they say I owe they have failed to validate as required by the FDCPA. This letter was sent certified mail return receipt and ERC received this letter on XX/XX/2018, signed for by XXXX XXXX. I attached below a document showing evidence of this signature. My letter asking them to validate this debt has gone without response and they have unlawfully placed this on my credit report. Once this letter is received, the collection agency must stop attempting to collect the debt and remove it from my credit reports until they supply validation. This company however has gone out of their way to defame me by putting negative information on my credit report unlawfully. This is grounds for a lawsuit. It is quite clear they do not have what is required to validate this account and must stop contacting me and remove the fraudulent entry from all three credit bureaus right away I attached a copy of the return receipt I got proving they received my letter and willfully did not respond but broke the law instead.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-13

Astoria, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-13

Stilesville, IN

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: XX/XX/2018 XXXX XXXX XXXX and ERC either company, s have not tried to contact me over this bill if i owe. i checked my cell.I had this problem months ago with focus should be on file. They continue to do this.i will call erc today and let them know i have already file a complaint with XXXX and cfpb about this. That they wrongfully put this on my report and they should have XXXX XXXX call me on this matter
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-13

Wonder Lake, IL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: ERC located at XXXX XXXX XXXX. XXXX, FL XXXX was contacted on XX/XX/18 and failed to provide answers to all of my questions. They were unable to provide me verifiable proof of any copies of an original document to prove I owe this debt allowed to me under my rights of the FCRA. I told the representative from ERC that a copy of a statement is not proof and a verifiable copy of original is required by law. I am asking this supposed debt be removed from my credit report as it is hindering my ability to obtain a mortgage, auto loan, etc.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-13

ME

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Original Creditor : XXXX XXXX XXXX Alleged amount owed : {$150.00} This is not my account - Never had service with this company?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-13

ME

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Original Creditor : XXXX XXXX Alleged amount owed {$2800.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-13

ME

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Alleged balance owed : {$660.00} Original Creditor : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-13

Milwaukee, WI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with ERC which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with ERC since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX asked to have the negative files removed since they failed to provide proof of my signature with ERC. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices by updating the date of insertion with a different name now listed from ERC to XXXX XXXX XXXX on credit files between the dates of XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-12

Kansas City, MO

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

2018-08-12

Newnan, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect the {$1100.00} even though I'm a victim of Identity Theft.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response