ERC

2018-04-27

Astoria, 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

2018-04-27

Harrisburg, PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I was evicted from my home and in XXXX. At this time I owed the original creditor the remaining balance. As of XXXX this year ( XXXX ), I was able to get back on my feet and am now settled into my current address. I did not receive any information until looking into my credit report, regarding the debt. Interestingly the the debt in the amount of {$1900.00} apareard on the report in XX/XX/XXXX then in XX/XX/XXXX was no longer shiwing on the credit report. As of XX/XX/XXXX it showed back up. I tried to resolve the issue with the company but was told I had to pay the balance of {$1900.00} in full, dispite my hardship and dispite never recieving any notice ti collect a debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-27

Lake Mary, FL

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: In XX/XX/2017, I disputed this with the credit bureaus and it was deleted when the company could not verify this account belonged to me. They have now re-reported it to the credit bureaus. I have never had an account with XXXX - which is showing to be the original creditor. XXXX has confirmed that they do not have my information showing in their system as a past customer.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-27

Chicago, IL

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
Complaint: Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. The amount owed on this account is something I should not be obligated to pay either. I was deliberately mislead by the representative who assisted me with opening up my XXXX account. He indicated to me that I was not under any contact but that he had to write an agreement for a set amount of months. He told me directly that there is no early termination fee and I am free to cancel if I am unhappy or just do not wish to continue service anymore. This did not turn out to be true. I cant help but feel a little cheated here because I specifically asked about this and I was mislead. My family is dealing with a lot of problem lately, a XXXX XXXX, a mother that needs XXXX XXXX and a landlord that do not want to renew our lease. I want to purchase a new home for my family which can help them be in a comfortable state, the reason why I am currently trying to rebuild my credit, but this Agency is preventing me to do that for my family. We are in a very difficult situation and I'm trying to be strong for them. To resolve the problem, I would appreciate if they can remove the negative reporting on my record.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-27

Aurora, CO

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

2018-04-26

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between ENHANCED RECOVERY COMPANY and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX, are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations. Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-26

Macon, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This debt has been resold again. The original debt was for creditor XXXX XXXX. I never owned this account. I have attached a police report and an Identity theft report from the federal trade commission. Please remove this from my credit file immediately. As this is a debt in which I do not owe.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-26

Boogertown, 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

2018-04-25

Anaheim, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX posted a charge off of {$480.00} on my credit report and this is not my account on XX/XX/2018.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-25

Santa Ana, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I had moved out and cancelled XXXX home internet service. Months later i find out i was sent to collections for not paying the bill at a place i did not live at after moving out
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-25

Woonsocket, RI

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

2018-04-24

Corinth, TX

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

2018-04-24

Tulare, 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

2018-04-24

Laredo, TX

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

2018-04-24

CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: For the past years, I never received any letters with a collection notification of account that was charged off. I found out about the account years later after trying to obtain a mortgage. I tried contacting the ERC collection agency and settled with them. To my knowledge the agreement was that I would settle a one time payment if the account was deleted off the credit reports. After three months, I still see the account on two of the bureaus, XXXX and XXXX. I have numerously attempted to contact both XXXX XXXX XXXX and ERC about the account. They could not give me information about the account since it was years old. Moreover, they customer service representatives were rude and did not help me in any way. I am complaining for the lack of interest in of their part. Not only did I not get any letter of the account being charged-off but when we settled they did not comply with the agreement.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-24

Macon, GA

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

2018-04-24

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Hello, I checked my credit report and saw an account from XXXX XXXX appear on it. I did not know who they were, or why they appeared on my credit. I sent them a debt validation letter that they did not reply to. My next step is to enter litigation unless they remove this item from my report. The letter I sent is attached.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-23

Houston, TX

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

2018-04-23

Chicago, IL

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

2018-04-23

Birmingham, AL

Took or threatened to take negative or legal action

Debt collection: Other debt

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

2018-04-23

Washington, DC

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: ERC on behalf of XXXX/XXXX keeps contacting me claiming that I owe XXXX {$440.00}. I stated on numerous occasions that Ive never had XXXX and for them to stop contacting regarding this matter because the bill doesnt belong to me. Ive this disputed this matter before.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-23

Fleming Island, FL

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

2018-04-23

Corpus Christi, TX

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

2018-04-22

Newnan, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Popup on credit wasn't it or this company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-21

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