ERC

2018-06-02

Aurora, CO

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

2018-06-01

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-01

Wichita, KS

Incorrect information on your report

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

Information belongs to someone else
Complaint: cra inaccurate information sent ftc and all police report to all 3 major company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-01

Fort Pierce, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I currently have XXXX XXXX XXXX as my cell phone provider. I have had them for almost 3 years, prior to that I had them for 4 years, with a separation of service from XX/XX/XXXX to XX/XX/XXXX. There is a debt collection for {$95.00} on my credit report. There was never a debt owed to XXXX XXXX XXXX. I have disputed this collection last year with a different collection agency with documentation that there was no debt to be collected. This was on my XXXX XXXX credit report. Now it is on my XXXX Credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-31

Arco, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent a letter to ERC on XX/XX/XXXX, regarding Acct requesting the company to validate the debt they say that I owe them. I did not recieve any documentation that I owed this company anything, I recently checked my credit report and ERC was listed as a creditor. This prompted my letter to them. This letter was sent Certified Mail with a Return Receipt Tracking Number. ERC recieved the letter and they signed the return receipt. They sent me a packet of a bill after I specifically requested evidence of the alleged contract bearing my signatureaccording to the law. They blatantly ignored me and sent a bill without a contract. ERC has failed to provide me a contract bearing my signature to this debt yet they continue to report this debt to the Credit Bureaus damaging my ability to obtain credit without clear validation. I sent a follow up letter on XX/XX/XXXX to request the contract bearing my signature to this alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-30

Bowie, MD

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

2018-05-30

Hampton, 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

2018-05-30

South Florida, FL

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-30

Moapa, NV

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: The company XXXX XXXX XXXX ( ERC ) attempted to collect on an unvalid debt from XXXX for early termination fees that is over 10 years old. There was a class action suit filed in court in California against XXXX and the courts deemed it unlawful for them to charge these fees and as part of the settlement XXXX was to return money to consumers. ERC has placed this negative credit on my XXXX, XXXX and XXXX credit reports stating it is a valid and current debt, which is a lie! The have never contacted me because they don't even have my current address as I left the state of California 11 years ago. I disputed the report and they lied and falsely represented to XXXX this is current debt. ERC is not even part of XXXX they are an independent company that buys old debt, threatens and attempts to extort money from consumers. this website is one of many that shows complaints regarding this firm XXXX XXXX XXXX XXXX This company is lying and ruining my credit on 3 credit reporting agencies, please make them stop and clear my credit! Here is proof of the class action suit : XXXX XXXX XXXX California XXXX Early Termination Fee Class Action Settlement Class Eligibility If ( 1 ) you are the Account Holder and had a XXXX cellphone account for personal use, with a California area code and a California billing address, ( 2 ) you paid one or more XXXX flat-rate ETFs for an early contract termination that occurred on or after XX/XX/XXXX and on or before XX/XX/XXXX, or paid an ETF under a XXXX cellphone contract that was initiated on or after XX/XX/XXXX, and terminated on or before XX/XX/XXXX and ( 3 ) you submit a claim on or before XX/XX/XXXX, then you may be eligible to recover {$120.00} for each ETF you paid. Estimated Amount {$120.00} Proof of Purchase Cell # Claim Form Click Here to Complete your XXXX California Early Termination Fee Claim Form Case Name XXXX XXXX XXXX XXXX XXXX, Case No. XXXX Superior Court of California , County of XXXX Case Summary The settlement alleges that the ETFs XXXX charged to and collected from Class Members for terminated contracts during the class Period were unlawful under California law. The court was asked to prohibit the provided from charging ETFs In addition they requested the Court to refund to the members of the Class the ETFs that the Class Members had paid. Settlement Pool TBD Settlement Website XXXX California Early Termination Fee Class Action Settlement
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-29

Discovery Bay, CA

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

2018-05-27

Spartanburg, SC

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

2018-05-27

MI

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I am a current charter spectrum subscriber, when I signed up for the current service I told the rep there was a previous bill of {$75.00} dollars. He called into his supervisor and was told that balance had been taken care of and there was no bill to pay, now almost 2 years later I see a derogatory remark on my credit report saying I owe {$99.00} to ERC for XXXX XXXX?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-27

Hanceville, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: XXXX XXXX has sent another debit to XXXX XXXX XXXX. I have already filed a dispute in the past that the XXXX debit is not authorized by me. My oldest son had falsely opened the cable account in my name. I'm getting frustrated that they keep sending this account to collections and I have proven that I am still a current user with charter and that account was not opened by me again.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-27

Kansas City, KS

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Company is trying to collect {$1100.00} for XXXX and is unlawfully reporting account not mine caused by identity theft and is ruining my credit report even though the debt is not valid nor mine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-26

Calera, AL

Incorrect information on your report

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

Account information incorrect
Complaint: Enhanced recovery collection agency is trying to collect a debt from XXXX that I do not owe account # XXXX for XXXX as well as re ageing the debt to make it look newer on my XXXX credit report I have tried with no avail to convalescent this to them. This illegal debt collection needs to be stopped and deleted or legal action against the collection agency and XXXX will be my next course of action.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-26

Valley Glen, CA

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

2018-05-26

Gridiron, TX

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

2018-05-26

New Orleans, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: so frustrating i have sent ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX, FL XXXX EIGHT letters asking for validation of this debt because i was never notified about this account from the start it just appeared on my credit profile, I sent in 8 debt validation letters via certified mail & I received no response & I have no knowledge of this debt.This Company is in violation of my rights by law They are required to validate this debt if you dispute a debt because you dont think you owe the money or the amount is incorrect. I sent along with the letters a cease and decease of calling me that was ignored also by this company. This is my next step is to file a lawsuit against. ENHANCED RECOVERY COMPANY HAS VIOLATED MY CONSUMER RIGHTS, THIS IS THE DEBT VALIDATION REQUEST I SENT THEM 8 TIMES THAT THEY HAVE IGNORED AND FAILED TO PROVIDE ANY INFORMATION. You are hereby ordered to CEASE AND DESIST any/all phone You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions : Condition # 1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your firm now claims is owed. Condition # 2. Provide me with a sworn and notarized Affidavit, signed under Penalty of Perjury as follows : a. That your client is the bonafide party in interest and Holder in Due Course of the aforementioned Contract, and that they can and will further produce said ORIGINAL WET INK SIGNED CONTRACT in Condition # 1 above. b. The names, addresses, dates and duration 's of time during which any and all persons, Corporations, associations, legal firms or any other parties and/or entities who may have had or presently now have any interest in the collection or legal proceedings regarding this alleged obligation. c. That as a claimed debt collector, you have not purchased evidence of this alleged debt and are proceeding solely in the name of the original contracting party or parties. d. That you know, understand and agree that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause. e. That both you and your firm have taken reasonable and prudent due diligence to verify that the amount claimed as owed is, in fact, a legitimate and bonafide debt, prior to instigating this action and making said claim, and that all relevant correspondence, challenges, denials and counter claims by me have been fully and thoroughly reviewed by and adequately answered by your firm both prior to and since initiating this claim. f. That since initiating this claim, your firm, or associates under your employ, did not contact me at my residence more than three times in any given week or at any other unreasonable time or in any unreasonable manner. g. That you, your firm or associates under your employ, did not fail to identify themselves as a debt collector in any manner or at any time pertaining to this alleged claim. Condition # 3. Provide written verification in the form of a signed, sworn and Notarized Affidavit from the stated creditor that you are authorized to act on their behalf in this alleged debt collection action. Condition # 4. Provide the total account and general ledger statement showing the full and complete Accounting of the alleged obligation you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to same under oath to that effect. Condition # 5.Provide Certified and Notarized copies of documents showing that you are or represent a bonafide creditor in a collection process to include : a. A notarized copy of certified documents evidencing that you are allowed to conduct business in the State of LOUISIANA as a collection agency. b. A notarized copy of the Bond on file with the State of LOUISIANA allowing your firm to operate as a collection agency. c. A notarized copy of the assignment letter including production of the signatures and status showing your firm as holders in due course of the alleged claim. Condition # 6.Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt. Condition # 7.Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt. Condition # 8.Provide proof that your Notice of Debt Collection, is authorized by such Statutes and enforcing Regulations. Condition # 9.Provide proof of all relevant signatures and your status as Holders in Due Course of this alleged claim. Condition # 10. Provide the name ( s ), address ( es ) and telephone number ( s ) of the bonafide creditor ( s ) pertaining to this alleged debt. Condition # 11. If you are acting as an Agent, provide certified copies of the registered claim upon which you are collecting, showing the name ( s ) of any and all debtors and the respective bonafide creditor ( s ) as the secured party ( s ). Condition # 12. Provide the national and regional credit and debit card network Rules and Regulations governing electronic payments and ATM transactions ; specifically the production of all versions of the manual in each case for each service/ buyer/ successor/ transference regarding this alleged claim. Condition # 13. Provide a sworn and Notarized Affidavit, signed under Penalty of Perjury, that all the Rules and Regulations of the National and Regional credit and debit card network Rules and Regulations were never, at any time, violated or circumvented to the detriment of the Affiance pertaining to this alleged claim. Condition # 14. Provide verifiable proof that any actual money was ever created or loaned to me by the named creditor ( s ) whom you claim to represent, and not mere bookkeeping entries that were made by them in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on their part, as well as now yours. NOTICE : Contacting me again without first properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number, after Verifiable Receipt of this Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or disability where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communication, what you have heretofore attempted to do was, and is, false and therefore unlawful. Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and assure you that you do so at your own peril and risk. You have twenty one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, or in the alternative, sending me written withdrawal of your claim, ( summary judgment ), will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection. Be advised that notice to any agent in your firm or under your employ regarding this Conditional .Offer of Acceptance in considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by you or your firm to secure payment with a Write of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to XXXX XXXX as compensating damages.Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207.I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-25

UT

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: ERC kept repeatedly calling me about a debt that was discharged under Chapter XXXX Bankruptcy. All debtors were notified and it has been discharged. This company kept asking for my social security number because they could not find my account. If I had an account they would know my info. I refused to give them my social but I gave them my attorney 's number and name. Plus they were asking for me by a name I have not went by in 5 years
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-24

Tampa, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX/ last update XX/XX/XXXX bought the {$170.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) from this other collection co : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION : this alleged account has been past from one COLLECTION co 's to another for the last 7 to 8 years I have never had an account with XXXX XXXX nor have I never received and invoice on what the XXXX is for or any breakdown- I have been pushed to the max and will start treatment theses COLLECTION Co as a Hostile attacks on my personal Character and my personal financial goals - as of yesterday I receive notice from two Credit cards- that I have had open with great out standing credit starting from XX/XX/XXXX : this notice was that my FICA had falling over night fromXXXX to XXXX nothing has changed on my credit reports from all three over the last year - XXXX XXXX XXXX has been calling for 6 /7 months I have informed them to cease and assist- however they continue to call and view my reports on all three credit reporting co. every month as XXXX was the primary reporter by my Credit cards I called then and pulled my report - I asked them why did my FICA dropped 100 point over night - the person XXXX said I can tell you that without you payment money first- I said what this was a Negv report and they should give me every thing that has cursed my FICA to fall 100 point instead of helping me Collection companies can report anything they want there's nothing I can do about it- but he will be happy to file a dispute I told him I have filed many disputed about this account and it gets sold off to a new CO and it start all over again theses actions are considered bad faith and Federal intervention should be taking : I could pay this at any time but I will never give in to theses Fraudulent COLLECTION co 's
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-24

NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: i contacted the company and asked them to provide me with proof that this debt belongs to me but they did not. They refuse to remove this off my report but can not provided me with reasonable proof.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-24

Mc Allen, 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

2018-05-24

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

2018-05-23

Houston, TX

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2018-05-23

Astoria, NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Sued you in a state where you do not live or did not sign for the debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response