ERC

2018-03-25

Newnan, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Inaccurate, wrong and hurtful information reported by this company. I have never done business or have a contract with XXXX XXXX XXXX XXXX to be reporting anything on my report. Nor have I gotten any form of communication stating that they are going to report negative information without a signature or validation from me stating that I owe {$400.00} on my credit report to all three bureaus. Which I find that is a violation of the FCRA laws. At this point I would like them to produce documents with my original signature stating that I give permission for XXXX XXXX XXXX XXXX to report negatively on my report. If no original contract, validation and signature can not be produced I demand them to be removed from all 3 of my credit reports XXXX, XXXX, and XXXX immediately and not sold to another company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-25

Everett, WA

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

2018-03-24

Indianapolis, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX XXXX Bought a debt from XXXX, so the original creditor was payed for the amount the bill actually was, which was back in XX/XX/XXXX, XXXX XXXX XXXX bought the debt in XX/XX/XXXX and it was placed on my credit report as a recent collections debt. I tried to file a dispute with the credit agency and they refused to remove it from the credit report. I requested the original contract from the original debtor and it says that XXXX was Paid, So it needs to be removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-24

Georgetown, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: this old cable bill was settled with XXXX XXXX before it became XXXX was removed from credit report to reappear 1 year later
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-23

TX

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX XXXX is reporting an account that is fraud
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-23

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-23

MD

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: XXXX XXXX just reported a {$120.00} collection account on my credit report. Prior to the appearance of this account on my file, I did not receive a notice of my right to dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-23

Raleigh, NC

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

2018-03-23

Itasca, 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: I have made 3 attempts to receive documentation pertaining to the investigation that XXXX conducted as part of their practice to investigate and validate any collection reporting on my credit. XXXX has failed to provide me with documents such as a signed contract by me. Following below is what I have been demanding XXXX XXXXo provide me with and yet XXXX has failed to provide with with such proof. XXXX has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-22

Patterson, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a letter in the mail on XX/XX/2218 from ERC stating I owed a debt to XXXX XXXX in the amount of {$150.00}. I called them and they had no information to tell me about this debt. I than called XXXX XXXX and explained what was going on, I gave then the info reference # XXXX from the letter. XXXX XXXX has no information of me having a XXXX XXXX account on my own, I have been on my mothers account of which XXXX XXXX checked and showed proof of no other account. I want this fake debit removed from my name and credit report. XXXX XXXX XXXX 1XXXX XXXX XXXX XXXX MD, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-22

Kansas City, KS

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

2018-03-22

OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On early XX/XX/XXXX, I received a debt collection notice in the mail from a company called " ERC ''. I immediately called them ti figure out what this was for and the representative said that this is a debt from an account with XXXX XXXX XXXX over 5 years ago. I told her that when the account was terminated, the equipment and final balance were paid at XXXX XXXX XXXX 's office in XXXX, Ohio. She argued and said unless I had proof of what I had explained to her, that they would continue to try to collect the debt. I asked her how it was possible that if i look at my credit report every year, how this hasn't ever come up until now. She didn't have an answer but said that they were supposedly the 4th collection agency that has had the account. Again, I asked her to explain why I haven't heard about this until now and she had no answer. Her only response was that I could take the settlement offer they were presenting to me or that they would continue to collect the debt. After I got off the phone with her, I did a quick XXXX search and have found HUNDREDS of other complaints from people just like me. People who have never had service with XXXX XXXX, people who used to have XXXX XXXX 5 or more years ago in the past, etc. I do not owe this debt and need this taken care of. This company is unethical and should be shut down. I also receive 2 or 3 phone calls per day from this company even though i told them to put it in a dispute status because if it is not a genuine debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-22

City View Heights, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: No Contract with this company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-22

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: 1. Ive never had a phone from this company. Ive reach out trying to see exactly when this bill was acquired, and exactly how much of my personal information was out there. They had me name and my social security number but they wouldnt give me anymore information. 2. XX/XX/2013 is the date that the bill was acquired. 3. Collection bill is XXXX {$4.00}. Collection company is XXXX XXXX XXXX. 5. Original collection company is XXXX 6. Ive tried to explain to them that is not my bill, and I should not have them calling or sending letters trying to get me to pay it. They do not care they only want the money I do not know what else to do.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-22

Battle Creek, MI

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

2018-03-22

Lagrange, GA

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

Timely Response

2018-03-22

Calumet City, IL

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

2018-03-22

Bergenline, NJ

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

2018-03-22

Ahtanum, WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-21

Phila, PA

Written notification about debt

Debt collection: Credit card 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

2018-03-21

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: ERC has reported to the credit bureaus an account that I have no idea who XXXX XXXX is and never had. I submitted another complaint a few days ago but just found out about this second one. I have not received any notices at my home in which I have been in for 2 years. After researching the original creditor there is no way this account belongs to this XXXX XXXX and I am requesting ALL collections pertaining to this creditor and myself to be deleted from all credit bureaus IMMEDIATELY. I am also filing a FTC and XXXX complaint as these collection agencies have to do better when validating and verifying debts and ownership of debts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-21

South Florida, FL

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: They are keep calling to my work. I don't think is appropriated. is constant, I already told them, I can loose my job if the keep calling,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-21

Taft, OH

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-21

Chicago, IL

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

2018-03-20

VA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I've gotten multiple phone calls AT WORK from this company. When answering they want me to verify my identity before telling me what this is in regards to. I don't give out my work number so I am unsure as to how they got this information. When I don't want to verify my information before knowing what I am verifying for, he gives me a XXXX number to research and I still don't know what this is in regards to. I don't want to call back and verify for something that is false and I have no idea what it is about.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response