ERC

2018-06-27

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I recently pulled my credit report I am unfamiliar with the debts ( 2 ) listed from this company I was never notified of any collection I called the number on the website ( XXXX ) XXXX I pressed ( 0 ) for an operator because i didnt have an account number when speaking with a Representative about the alleged debt once i verified my identity the rep imminently start trying to collect a payment for the alleged debt when I asked for a supervisor the rep then got rude I was placed on hold then line disconnected
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-27

Lawton, NV

Attempts to collect debt not owed

Debt collection: Other 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

2018-06-27

Austell, 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

2018-06-27

Clovis, 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

2018-06-26

Covington, GA

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

2018-06-26

Sherman Oaks, CA

Attempts to collect debt not owed

Debt collection: Credit card 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

2018-06-26

Newnan, 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

2018-06-26

Downey, CA

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

2018-06-26

Liberty Township, OH

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

2018-06-26

Chandler, 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

2018-06-25

Brooklyn, NY

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

2018-06-25

Newnan, 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

2018-06-25

Lewisville, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Enhanced Recovery CO L, XXXX ( ERC ) Good afternoon, I have very little information on this company which appeared on my credit report as negative for the amount of {$350.00} on XX/XX/XXXX. I received a call from one of their associates or an associate speaking as an representative for the company XX/XX/XXXX. After sitting on the phone in silence, The associate aggressively and immediately begin to ask for my name and information, but refused to tell me the reason for the call and didn't want to reveal their name and status. I am asking to have this negative report investigated and removed from my credit report. This company is reporting negative collections to my account. I've reported them and it's still reporting negative on my credit report. Thank you,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-25

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I recently noticed a collection account from XXXX XXXX which I have no such account as described in the reporting to the credit bureaus. I know this must be Identity-Theft or a serious error on their part. I am not the owner of such an account with XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-24

KS

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: These peopled called threatened me. I told them it wasn't me. I pay my bills. They said this call is recorded but they wont hear it. We will ruin your credit if you don't pay even if its not yours its on your report not mines. I didn't know what to do XXXX XXXX Account Number XXXX XXXX - Account Type Collection Collection - Terms 1 Month - - Date Opened XX/XX/2017 XX/XX/2017 - Account Status Closed Open
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-23

Corona, NY

Incorrect information on your report

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

Account status incorrect
Complaint: My XXXX Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX. I was contacted by the collection Agency for XXXX XXXX ERC for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with ERC and was told that XXXX Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. XXXX Bank is not reporting accurately even after making my settlement amount. ERC has collected the whole settled amount for XXXX Bank but XXXX Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with XXXX Bank.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-23

Silver Spring, MD

Incorrect information on your report

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

Account status incorrect
Complaint: Companie name ERC Account Number XXXX balance {$300.00} Date opened XX/XX/2014 I do not remember opening any account the last 7 years and I am not getting any information about the collection and affecting my scour can you please help
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-22

Murphy, 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

2018-06-22

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX is claiming I owe them {$270.00}. I have had this removed from my credit report several times already. I spoke to a lady at XXXX fraud office. She said they were investigating lots of false accounts and she was sure I was being falsely charged being I have never had XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-22

Simi Valley, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I did not receive a notice to dispute letter. I am unaware of this account/debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-22

CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: ERC ( www.ercbpo.com ) is trying to collect a debt that was paid a year and a half ago. When closing a XXXX account, I paid the final due of {$110.00} directly to XXXX, but then I started receiving letters from ERC trying to collect the debt. ERC has an account number for me : XXXX. Nothing I could do worked at all : writing to them, calling them, disputing through credit agencies, so now I'm writing you. This is seriously affecting my credit score, and I'm tempted to pay the fraudulent {$110.00}, but I want to check with you first. Is there anything that you can do to help, or notify them of your awareness and that they should remove the fraudulent debt? What should I do? Thank you, -XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-22

Seattle, WA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Complaint: I received a recorded message saying that a party had filed charges against me and I had to call them back immediately. When I called they would not tell me who the party was or what the charges were and they told me to call another number. When I called the second number, they brought up an old phone bill from roughly 12 years ago. The original debt was with XXXX. I asked them what they were talking about, how could they threaten to arrest me over a 12 year old debt. I told them it was beyond the statue of limitations and I did not even think their conduct was legal. They laughed at me and hung up. That debt soon appeared on my credit report as if it was a new debt. I tried to dispute it, but XXXX verified that it belonged to the company that had contacted me and told me I was going to be arrested. The company 's name is ERC. They are located in XXXX, Fla. The number is XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-22

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Not liable for debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-20

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

2018-06-20

Arlington, 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

Timely Response