ERC

2018-04-11

Ocklawaha, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This account was unauthorized. I am a victim of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-11

Ocklawaha, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This account was unauthorized. I am a victim of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-11

Cincinnati, OH

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

2018-04-11

Hammond, IN

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

2018-04-11

Newark, NJ

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

2018-04-10

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

2018-04-10

Canyon Lake, 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

2018-04-10

Edgecliff Village, 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

2018-04-10

Des Moines, IA

Incorrect information on your report

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

Information belongs to someone else
Complaint: 1 ) These accounts, opened in XXXX and XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XXXX thru XXXX timeframe. 2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX and XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved. It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-10

FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX COMPANY IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-10

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

2018-04-09

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I previously settled this account with XXXX XXXX XXXX. However they are still reporting this account to the credit bureau XXXX XXXX. Upon paying this account they did remove from XXXX but is still showing on XXXX XXXX credit bureau. they are hijacking my credit. they remove this account from other credit bureaus and I am requesting that this account be removed from XXXX XXXX and any other credit reporting agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-09

Orion Twp, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: They keep insisting that I owed a phone bill but I never had their service in the home for the time they said. The only " evidence '' of the alleged debt is a monthly bill not showing the actual charges but a bill from the following month which shows an alleged balance due from the prior month.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-09

Rochdale, 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

2018-04-09

Brentwood, NC

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

2018-04-08

TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX claims I owe money on multiple collections but refused to provide proof and after I called they reaged the account to make it seem new. They used profanity and threatened to garnish my wages when I requested proof of the debt. I have disputed it on my credit profile multiple times and the date changes every time so it cant fall off
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-08

Fayetteville, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Hello, I got a copy of my credit report showing a collections with this company, XXXX XXXX XXXX in the amount of {$210.00}. I sent out a validation letter to this company on XXXX requesting validation as it falls under the FCRA. ( validation is a lease or contract signed by me ) I have yet to receive any of this. I'm now requesting you step in and demand this and if they can not provide it. Please delete from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-08

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Date opened XX/XX/2015 Collection amount XXXX This is not my debt Ive never had any account with this company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-07

OH

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I disputed a XXXX XXXX bill on my credit report, XXXX removed the item 2 times and they keep putting it back on my credit report. As of XX/XX/XXXX it is back on my credit report. it was removed on XX/XX/XXXX XXXX file number XXXX. XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX Ma . XXXX { XXXX } is the credit collector noted on the report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-07

Aurora, CO

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

2018-04-06

Ocklawaha, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I am a victim of Identity theft. This account was unauthorized
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-06

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a collection notice from ERC dated XX/XX/XXXX, stating that I owe a balance of {$630.00} to XXXX XXXX XXXX XXXX ( XXXX ). I responded to ERC with a letter on XX/XX/XXXX, stating that I never received any services from XXXX, and that I was disputing this collection notice. I demanded that they send me a copy of any validation or judgement they claim to have regarding this alleged debt. I received a written response from ERC dated 3XX/XX/XXXX, that provided me with a copy of an invoice from XXXX dated XX/XX/XXXX in the amount of {$290.00}. The invoice showed services provided to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX-XXXX. I have never visited or lived in XXXX IL. I have lived in the state of Nevada continuously since XX/XX/XXXX. This matter appears to be a case of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX NV XXXX-XXXX ( XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-04-06

Miami, FL

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

2018-04-06

Dixmont, ME

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

2018-04-06

Danbury, NH

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