ERC

2018-07-06

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I payed for the debt. I asked for a certificate of deletion showing that they would remove the debt. They said they dont offer that just saying my debt was Paid. Its still effecting my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-05

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XX/XX/XXXX XXXX XXXX XXXX of XXXX, FL reported to XXXX and other reporting credit beueaus that a debt in the amount of {$2200.00} was owed from an old XXXX account. Several months eariler XXXX sent this debt to another collections agency called XXXX XXXX in XX/XX/XXXX. I contacted them and proivded documenation showing I do not owe the debt and that it was paid off well before the account with XXXX was closed. XXXX XXXX confirmed and corrected the reporting inforamtion. Now, XXXX has resold this inaccurate debt to XXXX XXXX XXXX who refuses to remove the inaccurate debt dispute providing documentation showing the account does not belong to me. On XX/XX/XXXX, I noticed a collection debt reporting on my credit report. I reached out to XXXX XXXX XXXX to investigate the debt. They did not have any accurate contact information on file for me, so I never was notified about the debt, it just went straight to the credit report. I was told to submit a dispute to email my request to XXXX and reference # XXXX. Shortly I recieved an email stating they can not delete the account from credit bureaus. I asked CFPB honor its mandate and protect this consumer of unpair and illegal reporting of false debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-05

Hinkley, 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

Timely Response

2018-07-05

Dallas, TX

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

2018-07-05

Fort Worth, TX

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

2018-07-05

Mabank, TX

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

2018-07-05

Dallas, TX

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

2018-07-05

Coral, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: More than 2 month already passed after you said you sent to my address the proof of validation I requested from you. As today XXXX2018 I haven't received such as proof. This letter is a formal complaint that I believe your company has violated my rights as a consumer by failing to validate a debt at my request and continuing to report the disputed debt to the CRA. These are clear violations of both the FDCPA and the FCRA. Not only have you ignored my prior requests for validation of debt. but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request -Proof of your right to own/collect this alleged debt -A complete detailed history of all transactions ( including payments, credits, returns, etc ) -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. If you send it, I want tracking number of the mail, or any kind of tracking.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-05

Dulac, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/2018 I receicved a letter ERC stating, : ERC has ceased ALL COLLECTION efforts and will reach out to the Credit Bureaus to DELETE this account. They FAILED to do so!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-04

Poplar, 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

Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-04

Ernul, 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

2018-07-03

Heath, 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

2018-07-03

Birmingham, AL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Disputed with company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 according to certified mail. It is now XX/XX/18 and I have not yet heard from company. The FCRA gives the company 30 days to respond, I have not gotten a response.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-03

Windsor Castle, 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

2018-07-03

Cocoa, FL

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

2018-07-03

W Des Moines, IA

Communication tactics

Debt collection: I do not know

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

Timely Response

2018-07-02

Raymond, NH

Communication tactics

Debt collection: I do not know

Called before 8am or after 9pm
Complaint: Debt collector from XXXX called me at XXXX XXXX in my time zone ( mountain time ). No msg was left.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-02

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX has been contacted by myself numerous times about a bill for XXXX phone service. This is not my account and I have tried getting it removed from my credit report. The balance is XXXX. I have no knowledge of this account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-01

Chicago, IL

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

2018-07-01

Albuquerque, NM

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

2018-06-30

Aiken, SC

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2018-06-29

Durham, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: New reporting from Enhanced Recovery Company on credit for debt with XXXX XXXX. Have reached out to XXXX XXXX multiple times and every time I have called they have no record of prior phone conversation. Disputed debt with ERC. I had tried to cancel service with XXXX XXXX 3 months prior to getting it turned off. They had charged for the equipment which was returned. They placed the debt with a different collection agency which was disputed as well. I was told I would hear back from them if there were any problems. I heard nothing. This new collection agency stated that XXXX XXXX would have had to notify me prior to them taking the account in XX/XX/XXXX. I did not receive information. The costumer service at XXXX XXXX is never able to help me and every time I call I am on the phone getting changed between departments for over 30 min or the call some how gets dropped. I have not had proper communication or notification about this debt and have tried to resolve the problem over the last year.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-28

Heath, 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

2018-06-28

Phoenix, AZ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: This is a complaint from XXXX XXXX against ERC for ERCs failure to provide requested information for the debt alleged. On XX/XX/2018, Consumer, XXXX, received a demand letter from creditor, ERC, to which consumer ( through legal counsel ) responded on XX/XX/2018 with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/2018, ERC responded with only statements from the original account. Another letter was sent on XX/XX/18, again asking for proper documentation to show ownership of the account by ERC, a third party collector. It has now been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt XXXX to act in good faith and refrain from unfair deceptive or abusive acts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-28

Chicago Heights, IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I have contacted this office requesting validation of this alleged debt without any response & it has been more than 30 days. I have not conducted any business with this company and have no contact with them.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response