ERC

2018-05-09

Portland, OR

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

2018-05-08

Hon, HI

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

2018-05-08

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

2018-05-08

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: ERC took possession of the debt XX/XX/16 amount owed {$670.00} ... Original creditor was XXXX ... Account paid but still showing on credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-08

Cheverly, MD

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Enhanced Recovery 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

2018-05-07

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I do not have a signed contract or any contract Enhanced Recovery company.I have never done business with this company.I am not liable for collection of this debt from XXXX.I am not responsible for this debt with Enhanced Recovery company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-07

Hon, HI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have requested validation and have never received anything validating this account. I do not owe this {$1600.00} for an XXXX account nor does this company have my name correct. Requesting this account be removed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-07

Kirtland, 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

2018-05-07

San Antonio, TX

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

2018-05-07

Carmel, IN

Incorrect information on your report

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

Account status incorrect
Complaint: I called XX/XX/XXXX to inquire about this debt. XXXX XXXX , XXXX informed me that XXXX deleted this debt XX/XX/XXXX. And that it was withdrawn from my credit report XX/XX/XXXX. It still shows up on my credit report from the three bureaus. It shows up once from XXXX XXXX , XXXX, again as XXXX, and again as ERC account number XXXX as till owing.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-07

Soquel, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I received documents from debt collector named ERC. My original utility service was with XXXX XXXX. I sent the full payment wanting to resolve the full debt. Once I made the full payment and settled the debt I asked them to remove the negative remark off my credit report. The collection remark is still on file in my credit report and it is critically affecting my score. Last Reported : XX/XX/XXXX Collecting Agency : ERC Original Creditor : XXXX XXXX Status : Closed Opening date : XX/XX/XXXX Remarks : Paid Collection
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-07

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: InAccurate Reporting to the credit bureau. I have mail letters to this company about their reporting to the credit bureau about an account that's not mine. First off the Address is not my I HAVE NEVER EVER HAD THIS P.O.BOX ADDRESS that is in there letter. That they finally sent me as verification. The FCRA stated that If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. And as we all know if you apply for something on credit you have to sign for it. It can be a credit card, cell phone, house, car. so I am asking where is the sign Document with my signature. NEVER GOT THAT DOCUMENT. This is the fourth letter that I have sent this company about this matter. So Can You Please Help me get this inaccurate information removed from my credit report. Also, the rep from ERC said that they don't care if I contract you will not doing anything anyway to help me. Because ERC is above you and your laws.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-06

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/2017 i sent XXXX XXXX XXXX a letter staying that I was not responsible for a XXXX acct with a balance of XXXX. I received a statement and ending balance for this XXXX acct but they failed to provide a contract with my signature showing that the acct belonged to me and removed the debt from all credit bureaus. I see that they have added this acct back to the credit bureaus with no warning and explanation. They have continually failed to provide a signed contract with my name on it and I am requesting that the acct be removed entirely.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-06

Killeen, 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

2018-05-06

Krakow, WI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I was looking at my credit report tonight, through XXXX XXXX XXXX XXXX Tax Identity Monitoring and found a listing from XXXX XXXX XXXX in the amount of {$72.00}, opened XX/XX/XXXXand last reported on XX/XX/XXXX. I have no idea what this is from, as I have NEVER received any information about it over the phone, e-mail, or in the mail. I have read all kinds of complaints about this company. They are ruthless and unethical, even illegal. How can they still be in business?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-05

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

2018-05-05

Hi Vista, CA

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

2018-05-05

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This complaint is with original company XXXX XXXX XXXX XXXX XXXX but has been sent to a 3rd party collections, XXXX XXXX XXXX for the amount of {$110.00}. I have attempted several times to dispute this reporting on my own and company has not given a resolution. This account was set up with out my permission and with my personal information. XXXX XXXX XXXX XXXX did not have best practices with verifying if person calling in is the correct party. This is injust and i shouldnt be held responsible when my identity was used without verification.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-04

Fort Walton Beach, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-04

Olde Farm, NC

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

2018-05-04

Babylon, NY

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

2018-05-04

Lake Mary, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have filed an Identity Theft Report with the FTC over this issue, since ERC claims to have no written or verbal communication with me, nor do they have any of my identifying information but wants me to provide them with my driver 's license, proof of address and social security number. This does not seem like a legitimate company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-05-04

Arlington, 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

2018-05-04

Carver, MA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXXXXXX XXXX ( ERC ) for amount of XXXX. I have sent ERC a debt validation and ERC has not responded to my request. I also disputed this with all three credit reporting agency. 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

2018-05-04

PA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I called the debt collection agency which is handling my debt from XXXX XXXX XXXX to settle the debt with monthly payments. The agency tried to charge me a just under {$13.00} per month as a " convenience fee '' for using my debit card. would come out a little under {$150.00} more than owed, which is almost a 28 % increase of the debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response