ERC

2018-07-19

Fort Russell, IL

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-19

Key Biscayne, FL

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 XXXX is reporting a collection account to all 3 credit companies in the amount of {$4900.00} this account is not mine I have been disputing this account for a long time. I currently have sprint for the past 2 years for my cell and company services an my account is up to date with them. I need written confirmation from XXXX XXXXXXXX XXXX that this is my account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-19

FL

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: XXXX XXXX inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XX/XX/2018, I noticed this inaccuracy and immediately sent a letter to Enhanced. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary In their response and letter dated XXXX.18, ERC provided a mere statement that lacked veracity. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-19

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The company left a derogatory remark on my credit report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-18

Clayton, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I disputed on XX/XX/2018 with XXXX about an unverified account on my credit report from an unknown company named, ERC. The reply I received was the account was verified. I sent a second letter asking them how they verified a collection account that doesn't belong to me? Then, i sent a certified validation letter to ERC on XX/XX/2018 but I have yet to hear back from the company or XXXX. The FCRA gives them 30 days to respond. Still, no response.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2018-07-18

Durham, NC

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

2018-07-18

CO

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Sent to Regulator FTC XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Company responded Account was closed by consumer for poor service!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-18

San Diego, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Approx. XX/XX/XXXX I recieved a letter from ERC stating I owed over {$300.00} for a direct tv box that was not returned. This box was returned directly to an XXXX tech in XX/XX/XXXX. In XX/XX/XXXX, I confirmed with XXXX that this debt was not valid. I was told by an XXXX rep that the information would be in ERC 's system shortly and it was taken care of. Today, XX/XX/XXXX, I received a letter stating I owed them {$190.00} for the same issue. Again, I called XXXX and confirmed AGAIN that this debit was settled and the box was returned. I then called ERC. They claimed this was the first contact from them and att sent them the debt on XX/XX/XXXX. They claim they do now own this debt but are preparing to report the credit bureau in XX/XX/XXXX. I feel that I am being harassed by a less than honest debt collector. I have returned all equipment owned by XXXX and this has been confirmed TWICE by XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-17

Pearland, TX

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

2018-07-17

Okc, OK

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: We have not had services with XXXX since XX/XX/XXXX, they are saying we opened an account with XXXX on XX/XX/XXXX for the amount of {$790.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-17

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: The following account is fraudulent and needs to be deleted and blocked immediately from my XXXX credit report. XXXX XXXX XXXX Account # : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-17

Plattekill, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX has been sending me a collection bill in the amount of {$750.00}. They have alleged that I owed XXXX XXXX XXXX that amount. They are claiming that this account was opened in XX/XX/2016. That is further from the truth because I have been a loyal customer of XXXX for many years and prior to XXXX, I was a loyal customer to XXXX. I have been going through this for years! These scavenger collectors illegally try to collect on a debt that I don't owe. They re-age this alleged debt and it pops up on my credit report. This is unacceptable!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-17

Phila, 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

Timely Response

2018-07-17

OH

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I mail letters to the three credit reporting agency 's regarding past due accounts over Seven years old.They send me letters stating the accounts will be remove from my credit report raising my credit score a little.On XX/XX/2018 this company named ERC- REF # XXXX ACCOUNT # XXXX Amount debt # XXXX. I'm disputing the validity of the debt in question. I don't recall any service from XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-17

MA

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: On my credit report is a negative entry of a debt that is more than seven years old. The XXXX is more than seven years ago. The debt collector bought the debt and " re-aged '' the account. original creditor XXXX current creditor XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX amount XXXX dollars I asked XXXX to remove this entry and they did not.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-17

MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: In XX/XX/XXXX and XX/XX/XXXX I submitted a dispute via certified mail regarding an entry on my credit file and according to the FCRA a company has 30 days to prove validity with ( ie signed contract, not a bill as it does not validate. They have broke their contract by choosing not to provide proof
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-17

Cadwell, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have been receiving phone calls from company called ERC from the number XXXX. They called me asking me to pay money to a healthcare provider. They asked for my information without reading it to me first, such as my phone number and address. They asked if I could pay an amount owed and I said no. I was told that they would document my response and begin their " next step ''. This is not first time this number has called me attempting to get my information. Whenever I ask questions about the nature of the call, the person on the other line immediately hangs up. Their website is www.ercbpo.com
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Timely Response

2018-07-17

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-16

Clermont, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: THEY NEED TO VALIDATE THAT THIS DEBT IS MINES BY SHOWING PROOF THAT THEY OWNED THE DEBT HOW MUCH THEY PAID AND THEY NEED PROVIDE ME PROOF THAT THIS IS MINE WITH MY SIGNATURE AND CONTRACT. THEY HAVE FAILED TO PROVIDE PROOF I HAVE REQUESTED THEM TO STOP CALLING AND JUST HAVE EVERYTHING IN CORRESPONSE THEY HAVE FAILED
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-16

Fayetteville, GA

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

2018-07-16

Toney, AL

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

2018-07-16

Mabank, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I submitted a dispute with ERC in XX/XX/XXXX. XXXX # XXXX and ERC Ref # XXXX. In response to this dispute, ERC stated that letters beginning XX/XX/XXXX, they sent out two notifications for debt that were returned back to them due to an incorrect address. They stated that they sent notification two years later in XX/XX/XXXX ; however, I never received this noticed nor the right that I had to dispute the debt. I find it very shocking that a debt collector in a three year period would only send a total of 3 notices of debt and to notify me of my right to dispute. ( see attached letter from ERC ) It is hard for me to believe that ERC truly wanted to notify me of my right to dispute this debt or to validate the debt, given they only sent 3 notices. Which they acknowledge didn't go to the right address and the third I never received.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-15

Crosby, TX

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

2018-07-15

MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This debt/account is not mines
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-13

Lewisville, 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