ERC

2018-05-16

Forest Hill, VA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-16

Arlington, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-16

Austell, GA

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

2018-05-16

Chicago, IL

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

2018-05-16

Mansfield, TX

Written notification about debt

Debt collection: I do not know

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

2018-05-15

Santa Ana, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I FOUND ON MY CREDIT REPORT THAT ERC PLACE A COLLECTION FOR XXXX, I HAVE REQUESTED TO ERC A VALIDATION OF THIS DEBT
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-15

Ladson, SC

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

2018-05-15

Louisville, KY

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-15

Louisville, KY

Credit monitoring or identity theft protection services

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

Billing dispute for services
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-14

Salton City, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX I received a letter from ERC ( XXXX XXXX XXXX ) which claimed that I owed {$850.00}. On XX/XX/XXXX I mailed a letter requesting validation ( not verification ) and requested the following : Explain and show what the debt is for specifically ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and registered agent ERC ( XXXX XXXX XXXX ) did not respond with the requested information as required by the State of California. On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) reported a collection account on my XXXX credit report the same day they sent the debt collection notice. ERC ( XXXX XXXX XXXX ) did not allow the required 30 days for validation ( not verification ). On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) updated the collections account. ERC ( XXXX XXXX XXXX ) violated the Federal Validation Notice [ 15 U.S. Code 1692 ] and Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. Beginning XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-14

Johns Creek, GA

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

2018-05-13

Orion Twp, MI

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Complaint: Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. The company iS XXXX XXXX XXXX in the balance of {$570.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-13

Kansas City, MO

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

2018-05-12

Stanford, KY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-12

Jacksonville, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-12

Grand Prairie, 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

2018-05-12

Orlando, FL

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

2018-05-12

Jamaica, NY

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-11

Three Bridges, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I reviewed my credit report from XXXX in XX/XX/2018 and saw an unfamiliar collection account from ERC also known as XXXX XXXX XXXX for {$910.00}. I wrote and mailed them a certified letter dated XX/XX/2018 requesting validation of this debt ( signed contract for example ). USPS tracking confirms they received the letter on XX/XX/2018. However, as of today I am still waiting for a response from them. Instead, to add insult to injury, instead of responding to me with the requested documents, they have now added this same erroneous collection to my XXXX credit report today, which immediately negatively impacted my score ( score dropped 17 points )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-11

WA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Enhanced Recovery has been calling my cell phone using a robocaller at least 37 times this week alone. They are using sleezy tactics in trying to harass me via phone calls. I've repeatedly asked them to add my phone number to their " Do Not Call '' list but the continue to call. They always ask for " XXXX '' who is someone I do not know. They have promised to not call my number in response to complaints I've previously filed here but continue to do so. They have called using the XXXX phone number and also local call spoofing. My phone number has been on the national " Do not call '' list for several years. This is the last time I file via this route. My next option is lawsuit and I've already contacted a lawyer. I've been logging all the calls/dates and will proceed if this does not immediately stop.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-10

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

2018-05-10

Daytona Beach, FL

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

2018-05-10

Davenport, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I recently checked my credit report and noticed i had a new debt from ERC. Immediately I sent checked it out and noticed it was for an account that is obviously not mine because it was opened in XXXX XXXX and I live in XXXX. I immediately sent a debt validation letter to ERC to dispute this debt. I got a response back from ERC with so called 'validation '' which happens to be 3 months of bill ledgers. Whoever opened this account had it open from XX/XX/XXXX- XX/XX/XXXX and ran up {$1200.00} in charges.ERC nor XXXX nor XXXX have any proof of my license or a signed contract proving to me that I indeed opened this fraudulent cable account. At the time this account was opened in XXXX, XXXX ( Which I never even heard of ), I lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. At that time i also had cable services at my address with XXXXXXXX XXXX who XXXX now owns. I am 100 % sure they can research that to verify that I cable in XXXX. But now when I asked them to pull up my account to prove I lived in XXXX they mysteriously can not pull accounts from XXXX. So how do they want me to verify the address I lived at during the 3 months this cable services was so called in " my name ''. I also called the electric company who told me they can only pull accounts back to 2 years. So this alleged cable account need to be removed from my credit report IMMEDIATELY. I am wondering why all of a sudden it popped up on my reports and I have no debt. Why wasn't it reported in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ,XX/XX/XXXX or XX/XX/XXXX?? I could have maybe had a chance to prove it wasn't my debt. Now 7 years later i'm STILL in XXXX living my good life and they want to pop up now. They need to verify ID from people opening services so things like what I am going through can STOP happening..
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-09

Bozeman, MT

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

2018-05-09

Boulder, CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. Debt information : Amount : {$350.00} Creditor : XXXX-already paid Collection Agency : XXXX XXXX XXXX ( ERC ) # XXXX phone for ERC XXXX Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response