ERC

2018-07-31

Inver Grove, MN

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-30

Ocklawaha, FL

Incorrect information on your report

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

Account status incorrect
Complaint: My account went unpaid with XXXX ( XXXX financing XXXX card ) and it was sent to a debt collection agency called ERC. I agreed to settle the account with ERC For {$710.00} with reference number XXXX. I received the agreement from ERC saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling ERC I was told that this account has been transferred back to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-30

August F. Haw, CA

Attempts to collect debt not owed

Debt collection: Medical 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

2018-07-30

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: ERC XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$410.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT TO BEGIN WITH. ERC IS AGGRESSIVELY ATTEMPTING TO COLLECT THIS DEBT THAT I DON'T OWE AND DOES NOT BELONG TO BE IN FIRST PLACE. I CONTACTED THEM SEVERAL TIMES WITH NO LACK, RESPONCE THEY PROVIDED ZERO VALIDATION OF THIS ACCOUNT, I ALSO CONTACTED XXXX WHO DID NOT FIND AND PAST DU EACCOUNTS IN MY NAME AND UNDER MY SOCIAL #. I COMPLAINT WITH BUREAUS WHO STATE THAT ERC HAS VALIDATED THIS ACCOUNT. ERC IS CALLING MY WORK, MY PARENTS HOUSE AND THREATENING TO ARREST ME OR LIEN MY HOUSE IF I DIDN'T PAY THIS AMOUNT IMMEDIATELY, THIS SHOULD NOT BE ALLOWED!!! PLEASE HELP
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-28

Lancaster, 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

2018-07-28

Winton, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Ive had a debt collector ERC on behalf of XXXX XXXX XXXX. Over the past months Ive called XXXX XXXX XXXX and I was verified as having account number XXXX as a XXXX account. This account doesnt match what ERC has been attempting to collect for Acct # XXXX. XXXX on several calls and chats has offered to send me a detailed record of the account that is registered to me Acct # XXXX in the amount of {$91.00} dollars. I have still not received any communication to verify any debt. I was told that the account number XXXX didnt show me as the registered account holder and that I would get detailed information to specify this as well. I have been able to keep my chat records with XXXX and have found their customer service, account billing and collections to all have different information. This has seriously impacted my credit for years and its unfair that I can not receive information for an account from XX/XX/XXXX. I was told by XXXX that they do not keep those records and because they are old records Id have to register for an account to get that information uploaded yet there is nothing in this account t profile. This Ive been calling and chatting now since XXXX XXXX and have not received any statements or records to prove what the chat representAtive told me. I have been told its a XXXX, a XXXX XXXX account and spoke to this department and nothing came up and then it was a. XXXX and nothing came up. It has been so hard and has created a very heavy negative impact on my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-27

Chicago, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have reached out to this company numerous times to no avail. Ive made phone calls and sent various emails. They are reporting an account which is fraudulent and does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-27

Lenoir City, TN

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

2018-07-27

Lake Lotawana, MO

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-26

Astoria, NY

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

2018-07-25

Sacramento, CA

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

2018-07-25

Gastonia, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I get repeated calls for debts owed by someone with the last name of XXXX. I have no idea whom this person is. They are not myself nor any relation to me. No matter how often I tell these people this is not the XXXX 's number, I continually get calls for their debt collection!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-25

Discovery Bay, CA

Incorrect information on your report

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

Account status incorrect
Complaint: Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX reporting we owe money.. ruining our credit ... all was included in bk in 2009
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-24

Troy, MI

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

2018-07-23

Hollywood, 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

2018-07-23

Philadelphia, PA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I filed a compliant with your agency in XX/XX/XXXX, company never verified debt with collection agency and it was deleted from credit report. In XX/XX/XXXXit was sold to another agency which is reporting in my report without validation. Consumer Financial Protection Bureau Reference Number : XXXX ; XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-23

Oak Grove, 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

2018-07-21

Arco, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-21

Arco, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-20

LA

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted you after you asked them to stop
Complaint: This company says that I owe them {$81.00}. I have never owed a company such amount ar have I had any contract with such company. In fact I do not know what this is and I request some detailed explaniation. Thanks in advance
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-20

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX, I sent a letter of dispute to a collection agency named XXXX XXXX XXXX ( ERC ), in regards to an account that they have been reporting under my name and social security number, with an amount of {$1300.00} which they claim I owe them, to all 3 credit reporting bureaus, with an open date of XX/XX/XXXX. In this letter, I requested validation of the debt, including sufficient evidence showing that I in fact owe them this debt. I do not believe I currently owe them this debt, nor have I ever owed them this debt. I have not received such validation, nor any relevant correspondence from this company, including an initial collection notice. I have sent 2 follow-up letters since then, dated XX/XX/XXXX, and XX/XX/XXXX, to which they have not responded. I believe this is a violation of the Fair Debt Collections Practicing Act, as well as the Fair Credit Reporting Act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-20

Bergenline, NJ

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

2018-07-20

Fort Worth, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I had phone with XXXX they shut off stating I owed them thousands of dollars for charges I didnt owe they shut your phone off if you dont pay one months payment, I had phone in about XXXX this is XXXX and they are on my credit report for XXXX dollars they have been on my report for 15 years there is no way I owe XXXX dollars they shut my phone off and I should only owe for one months payment not XXXX dollars how can I owe so much if you are late one month they shut your phone off they are trying to ruin my credit and charge me for an outrages amount of money that there is no way I could owe XXXX they dont let anybody charge thousands of dollars to there account if you dont pay your bill every month they shut it off and they have been on my credit report for about 15 years changing collection agencys to do so please help me get this stopped they do same thing to thousands of other people too, Ive disputed this for years so Im filing this complaint to try and get this matter resolved thanks for your help
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-20

Bronx, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: company is trying to scam me out of {$350.00}. I'm in the process of purchasing a home and company refuses to remove unknown collection debt. I offered to pay to delete even though the debt isnt mine but company refused. It's hurting my credit score and causing hardship.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-19

Las Vegas, NV

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