ERC

2018-03-20

Compton, CA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-20

Saint Petersburg, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX sent a debt collection in my name to collections. I discovered the debt only after it reported to my credit bureau reports. I contacted XXXX directly and, they advised I needed to dispute it with the collection agency. I immediately contacted the collection agency and disputed the debt. I found the collection agency to be of no assistance as they refused to accept that the bill was not mine. I hired an attorney to assist me in disputing the debt. Through the attorney, a letter of representation and a request for validation of the debt was sent to the collection agency. XXXX was copied on this correspondence. Shortly thereafter the attorney received a few copies of phone bills as an attempt to validate the debt. A second letter was sent to the collection agency requesting further documentation. My attorney advised the collection agency that, the previous address ( which incidentally was not in the state I live ), the original account holder 's name was not my name, and the telephone number listed on the account was not and never was my telephone number. Upon reaching out to XXXX, it was found that the account was erroneously placed in my name. The original account holder was removed and responsibility was transferred to me. This was NOT done in person or in writing. A contract was never viewed or approved by me. I am NOT familiar with the person whom the account originally belonged to. I have never had an out of state telephone number. My attorney advised XXXX in writing that this account was moved to my name fraudulently. XXXX closed the account and, as far as I know, the phone number would be disconnected or investigated by them. Additionally, the phone that was used was an XXXX and the ISN # on the phone traced via XXXX XXXX. to an account that was reported lost or stolen by the owner. There is no trace of this account being authorized in my name. In fact, I currently have an XXXX and it has been with the same service provider for 8 years. That is the only account XXXX XXXX. has had in my name. The attorney contacted the collection agency in writing with these documented facts from XXXX, XXXX XXXX, and from my current service provider. The collection agency was urged to discontinue collections and remove the debt from my tradeline as it did not belong to me. There is absolutely no evidence or supporting documents to show any contract or permissions were reviewed or signed by me. The debt was removed from my credit report. Until recently I received an alert from my credit monitoring service that the debt was placed back on my credit bureau reports. This is irresponsible and negligent reporting. I have taken the necessary steps to prove this debt is not mine. I incurred costs to ensure this was handled in a professional and efficient manner.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-20

Pryse, KY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Got multiple calls from this agency at inconvenient times. I told them I would call when it was convenient for me, they continued to call. I looked at my credit report to see who ERC was calling on behalf of. I finally called them back, they person in whom I was speaking to started off in a regular tone, after me asking multiple questions the customer service rep started to be rude. I asked the rep once I paid the amount owed would something be sent to me so that it could be taken off my credit report, I was assured that a letter would be sent to me once payment was received. The rep went on to take my payment and told me that I would have to pay a convenience fee in order to take my payment. I told the rep that I've never heard of such a fee and that i didn't feel that that was fair. After heavy sighs from the rep and talking in circles about what the fee was for, I reluctantly paid XXXX. My bill was XXXX and I had to pay a XXXX convenient fee. The whole conversation was draining and I was so confused and felt I had been taking advantage of.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2018-03-20

Sarasota, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: OnXX/XX/XXXX I paid a debt for a disputed XXXX cell phone bill despite the fact XXXX XXXX said it was part of my contract to pay this bill at the time I joined their services when stopping my contract with XXXX. XXXX billed me anyways. I continued to dispute to no avail. On XX/XX/XXXX, a check to pay this debt off was sent and remitted using Option 1- Pay off the settlement in one payment of {$260.00} per their letter. The remitted check for the payment is enclosed. Per their letter- in choosing option 1 - since they had the authority to settle this account for less than the full balance- I paid the said option of@XXXX in full and per the letter and expected this debt to be settled and collection activity to stop. Today- XX/XX/XXXX I received another collection noticed ( enclosed ) for the same debt in the amount of $ XXXX despite the fact they said would it be settled when I paid option 1 in XXXX.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-03-20

Addisleigh Park, NY

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

Liverpool, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-20

Grayson, GA

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

2018-03-20

Pinellas Park, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have tried so many times to resolve this debt with the original creditor. The problem is that XXXX was purchased by XXXX XXXX XXXX. My account originated with XXXX. According to any representatives I speak to, they supposedly can not see the previous notes on my account. I opened an account with XXXX. I am a renter of my home and the landlord signed a release giving permission for the dish to be placed on our roof. After a period of time, my landlord revoked the permissions and demanded the dish be removed. My apartment is above a business in the city and he wanted the dish removed. I immediately contact XXXX and advised the representative of this matter. He advised me he would send a box to return the equipment. He did, however, advise to either keep the dish or throw it away. That nobody would want it back. He advised of my final bill and we determined a disconnect date. I paid my final bill and the services were shut off as planned. Not long after that, I received a bill from XXXX. it is important to note that by this time XXXX was acquired by XXXX XXXX XXXX. The bill was a fee for early termination of my account contract. I advised the representative of the reason I had to disconnect services. She advised just like the previous rep that I would NOT be penalized because of my landlord revoking permissions. She stated the bill was an error and I had a XXXX balance owed. She stated she would correct the billing error on my account and the call ended. Months and now more than a year has gone by and, I have disputed this file with XXXX and XXXX XXXX XXXX through their corporate offices. Originally this debt was with a different collection agency. I received a letter from that collection agency that, they would no longer be collecting this debt and, they would return it to the creditor. At one point the creditor did contact me to see if I had any other location the dish could be placed. I advised him that I lived in the city, I had only one rooftop which was shared by the business below. I advised him the landlord revoked permission to have the dish on the roof. He advised me that I would not be billed the termination fee. In addition to writing and speaking to multiple reps, I also faxed and mailed a signed letter from my Landlord advising he will not allow the dish on the property as ordinances in the city limits had changed. Due to the HUGE lottery dish that must be installed for State Lottery and Food Stamp transmissions he would NOT allow another dish. I was pleased when I received the letter from the previous collection agency as I thought finally it was resolved. Now I am finding this back on my credit bureau reports with a new collection agency. This is unacceptable. I have done everything possible to rectify this situation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-20

NY

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I checked my credit report yesterday ( XX/XX/XXXX ) and noticed I had an account in collections from a Cable company from back in XX/XX/XXXX. I was not aware of the balance so I called the Enhanced recovery company to see what was going on. They advised me that they were sent the bill back in XX/XX/XXXX. This company has not made any attempt at contacting me to let me know I had a bill in collections but they proceeded to place this delinquent bill on my credit report without my knowledge. When I spoke to the agent at ERC she told me they had a phone number on file that I have not had for 6 years and they have not made any attempt on mailing out any type of correspondence. I asked if this could be removed from my credit report and I will pay the balance but the agent told me no. I am extremely frustrated by the fact that Ive been working so hard the past last year to improve my credit report and this company can just ruin the progress that I have made without even letting me know I had a balance due in collections! I would have paid this if I would have known. The manager I spoke to was very condescending and patronizing, she told me to file a dispute and when I asked will they call me back with an update she said, Were not going to call you back but you can feel free to call us if you want. This is totally unacceptable. I need this balance removed as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-19

Gloucester City, NJ

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

2018-03-19

Tarzana, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Opened XX/XX/2016 account closed because I switched carrier. And they reported a derogatory mark on my credit history report. I wasn't notified this was going to affect my credit history because if I was u would of made sure I set up some sort of payment plan to avoid bad credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-19

Roswell, GA

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

2018-03-19

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

2018-03-19

Tarzana, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Opened XX/XX/2016. Closed my u verse account because it was too expensive never received a final bill or collection attempt because they had the wrong apt number. XXXX XXXX XXXX reported a derogatory mark on my credit history reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-18

Bridgetown, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Back in XX/XX/XXXX I filed a complaint on XXXX who was trying to collect on a account that I had already settle and paid the amount that we settle on. XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/XX/XXXX for {$1000.00}. I ask XXXX to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}. The company now has now sold the debt to another company. I already settle on a amount with a different company which has been paid! Now they have resold the debt making it like I havent paid anything! This account had been detrimental to my credit score and has prevented me from obtaining financing! I again ant the account removed and marked paid in full I have paid the money that I have been asked for!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-18

Arnold Line, MS

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

Timely Response

2018-03-18

Coatesville, PA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-18

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: After Looking at my credit report on XX/XX/2017. I see that XXXX XXXX is still Reporting inaccurate Information to the Credit Bureaus. I have asked for proof of Debt more than once from XXXX XXXX XXXX RE : Account : XXXX Creditor : XXXX Under Fair Credit Report Act 15U.S.C & 1681g. With no response. And they continue to report inaccurate reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-18

Vista, CA

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

2018-03-17

Bee Spring, KY

False statements or representation

Debt collection: I do not know

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

Timely Response

2018-03-17

Anaheim, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: No knowledge of this account, noticed this on my credit report. Did not receive right to dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-17

Somers Point, 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

2018-03-16

Long Island City, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: There are 3 companies involved : 1 ) XXXX XXXX XXXX, 2 ) ERC ( phone # XXXX ), and 3 ) XXXX. This involves XXXX XXXX XXXX account # XXXX. I have previously had my identity stolen, filed a police report, and successfully had several fraudulent XXXX accounts opened at various addresses in the XXXX area expunged. XXXX initially contacted me in XX/XX/2017 about an XXXX XXXX XXXX account that was opened in my name, providing service to an address that I have never lived at. I told them it was fraud, gave them a copy of the police report, and sent me a " fraud packet '' which I was to mail back to XXXX XXXX XXXX ( I did ). Simultenously, I disputed all of the debts with all 3 of the credit reporting agencies, and all 3 of the XXXX XXXX XXXX debt from my credit history. I have never heard back from XXXX XXXX XXXX since then. However, today I received a new debt collection letter from " ERC, '' who had the same account assigned to them from XXXX XXXX XXXX. They stated they would re-file the debt with the credit reporting agencies in XXXX, despite me previously having sent my " fraud packet '' to XXXX XXXX XXXX and successfully disputing the account as fraud with the reporting agencies. This is getting tiring. Can you please contact the involved parties and make them stop? In addition to these letters, I still get daily debt collection cold calls that haven't gone away since XXXX first contacted me. Thank you for your help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-16

Killeen, 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

2018-03-16

Moreno Valley, 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

Timely Response