ERC
Consumer Complaints
There are over 7281 complaints on file for ERC. Dated between 2019-12-16 and 2013-07-26.
Complaints Page 8
2019-10-07
Beach Park, 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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-06
Moore, OK
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
2019-10-05
Tarzana, CA
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: I submitted a dispute for an account listed on my credit that is being reported inaccurately. ERC came back reporting that the dispute was closed and the account verified. ERC is a debt collector, however they are reporting an open factoring account on my credit and by definition factored debt can't be reported by a debt collection company. This account is reporting open with a balance purposely to damage my credit further and force me to pay to remove it which is debt parking. They have also reaged the debt so it is reporting as newer. I am not confirming the debt. This account needs to be removed immediately as it is inaccurate and a violation of FDCP at this point as they have verified inaccurate information. I am disputing ever having this account as there is no contractual obligation. I dispute the reported balance of {$100.00} as this is inaccurate. I dispute the creditor classification as ERC is a debt collector. I dispute the date the account was sold to ERC. I am requesting proof that ERC purchased a " factored account '' and that this account was in fact factorable at the time of sale and complies with the Univorm Commercial Code which governs factoring. DEbt collectors are not allowed to report as a factoring company with an open status. I dispute the fact that I have an " open account '' with ERC. I dispute the reported " high credit '' in the amount of XXXX. I dispute that this account has terms and also dispute that ERC is a " Factoring Company ''. FDCPA is a " strict liability '' statute meaning the violation is permanent once committed can not be " undone '' by subsequent action. The civil liability for these violations under FRCA 15 U.S.C. 1681 n sections 616 is {$1000.00} per violation and {$1000.00} for each FDCPA violation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-05
AL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I checked my credit report and saw an erroneous debt with this company Enhanced Recovery Company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate on XX/XX/XXXX. I learned this organization has reported a balance of {$740.00} for an account I am unfamiliar with to the credit bureaus. I know that I had no business with this company in XX/XX/XXXX I am not certain where this debt came from and would like to it to be removed from my credit reports. Please provide proof of this debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, I feel that they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA. They are reporting this debt as both open and in collections. These derogatory reports have a crippling effect on my ability to make a living and find employment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-05
Austin, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I have already contacted the original owner of this debt ( XXXX XXXX ) they had no record of the debt on my account. After I contacted them, this debt was previously removed under the last collection agency that owned it. It has now appeared back on my credit report. This debt is not mine. Please remove the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-04
New Orleans, LA
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
2019-10-04
Alexandria, VA
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
2019-10-04
Rockaway Beach, NY
Threatened to contact someone or share information improperly
Debt collection: Other debt
Contacted you after you asked them to stop
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-04
Columbia, 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
2019-10-04
Chico, CA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-03
Smyrna, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I received a letter in the mail from ERC dated XX/XX/19 stating that I owe {$150.00} to XXXX XXXX XXXX. Account # XXXX. I called ERC and spoke with XXXX XXXX at XXXX XXXX on XX/XX/19 and stated that I have not had XXXX XXXX XXXX and they do not provide service to my address - there is not even the availability to obtain services fromt hat company. She stated that she can not verify me as they do not have my DOB or SSN. I said to remove this from my name as there are multiple XXXX XXXX ( very common name ). She indicated she can not do that. I'm reaching out to file a complaint as it's not fair to assign a debt to me that is not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-03
Far Rockaway, NY
Threatened to contact someone or share information improperly
Debt collection: Other debt
Talked to a third-party about your debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-03
Orion Twp, MI
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
2019-10-03
Co Bluffs, IA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-02
Brooklyn, 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
2019-10-02
Rncho Domingz, 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
2019-10-02
Chicago, IL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: Several collections were added to my credit report that had been removed previously.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-02
Albuquerque, NM
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NM XXXX, XX/XX/2019 ERC, XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dear ERC, I am responding to your contact about collecting a debt. You contacted me and identified the debt as being in collections on my credit report. I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Thank you for your cooperation. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-02
FL
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: XXXX Bill that was previously disputed and removed from my credit report has appeared on my credit report again however I was never notified by the new collection agency, Enhanced Recovery Collections, and they have already placed this on my credit report. I am buying a home in 30 days and this account has already been proven as invalid. I never received any communication from them about this debt. The prior agency notified me through the USPS about the debt which is how I was even aware of the debt to begin with.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-10-01
Ontario, 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
2019-09-30
Rncho Domingz, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: XXXX Enhanced Recovery Company about {$3900.00} I was unaware of this account as I have never had a XXXX account and just found out about this collection as I am getting ready to purchase a home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-30
North Hollywood, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Thiscomplaintsubmission is in regards to a false credit report by ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives who were extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me their company email number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through a response by an ERC representative that they had received the files ; however, after 30 days of notifying them, still no response. ENHANCED RECOVERY COMPANY ( ERC ) then removed themselves from my credit report. After a month went by, ERC then reported again to the 3 Credit Bureaus and also violated our CEASE & DECIST agreement. At this point in time ENHANCED RECOVERY COMPANY ( ERC ) has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$390.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting ENHANCED RECOVERY COMPANY ( ERC ) immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. ENHANCED RECOVERY COMPANY ( ERC ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-30
Csi, ID
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
2019-09-29
Mount Tabor, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Information is being reported as new the account is from XXXX. This information was removed from my credit report in XXXX the information has since been refreshed and added back to my credit report as if the reporting is new.
From research I have found that it is illegal to put information back on to my personal credit report as new ( 9 months ) when in fact this information is old and was removed 2 yrs ago
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-09-27
Alt De Parq Ecuestre, PR
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 on my credit file report the following account on debt collection- XXXX XXXX XXXX Collection Agency- Original creditor- XXXX XXXX XXXX XXXX ENHANCED RECOVERY COMPANY- Collection Agency Original Creditor- XXXX XXXX I have never requested service with those company. This is a fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation