ERC

2018-03-06

Bartlett, TN

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-06

Salinas, CA

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

2018-03-06

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/XXXX I received a notice for an alleged debt owed of {$600.00} to XXXX. This alleged debt I have previously disputed several of months ago and have yet to received validation. ERC ; please produce proper validation. If proper validation can not be produce in accordance to the FCRA then this alleged debt can not be reported against my credit bureau.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-06

Leming, TX

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

2018-03-05

PA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I just turned XXXX in on XX/XX/2017. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by ERC. I never had any accounts to have a collection I was a minor! I don't know why this company has my name but I have no knowledge of this account. I was never given any notification of this account but it's been reporting for years and my credit is being damaged before i could even have credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-05

Fort Stockton, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: The account that is in question ( Enhanced Recovery CO L for XXXX XXXX ) opened on XX/XX/2017 with a balance of {$520.00} was entered into collection. The debt collector did not have an accurate address on file. Therefore I did not receive proper notice. I have been willing to pay the account off in full but the debt collector refuses to report to the credit bureau to delete the item from my credit report. XXXX XXXX XXXX the original debtor failed to pay XXXX off after I switched to XXXX XXXX XXXX ( Promotional Claim ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-05

Forney, 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

2018-03-05

Jackson, MS

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Company has constantly and harassed me about payment they were threatening me with arrest send me constant letters about payment but I never signed paperwork with this company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-05

NJ

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XX/XX/XXXX..
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-05

Detroit, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: ERC is still trying to collect a debt that was included in the bankruptcy. I also was a victim of identity theft. I filed a report with the federal trade commission.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-05

Cedar Hill, 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

2018-03-05

Chula Vista, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: We paid this debt to XXXX. We paid XXXX XXXX for account # XXXX, Reference number XXXX, in the amount of {$120.00} Last Year. It might have even been the year before. This company, ERC, keeps sending us letters to collect the debt. I've called them to try to clear it up, but they keep sending me letters. What can be done? We do not owe XXXX Any money at all.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-04

Foothill Ranch, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: ERC ( Enhanced Recovery Company ) XX/XX/2016 - I called them about 8 months ago as soon as I saw this on my credit report, ( I didn't even know about it ) paid off this debt in full and the collection is still showing on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-04

Buckingham, 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

2018-03-03

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

2018-03-03

Hampton, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Viewing my credit report in detail, I noticed an account was opened using my credentials with a company going by the name of XXXX XXXX XXXX XXXX on or about XX/XX/2016. It claims it has been placed in collections for the amount of {$630.00}. The account status is still labeled as open. I have received a derogatory remark on my XXXX Credit report making it very difficult for me to obtain the credit that I need. I have never at any time received any mail or bill from this company. I have never had any account with XXXX XXXX XXXX, this is not an account of mines or I have ever opened. I would like to address this immediately. I would like this derogatory remark removed from my report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-02

Tampa, FL

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

2018-03-01

Menifee, CA

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

2018-03-01

Corpus Christi, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: At the beginning of XX/XX/2018, I disputed a collection of {$430.00} that was initiated by XXXX. After going through the appropriate steps, I received an official notification from XXXX and XXXX the reported collection by XXXX was resolved and deleted from my credit report. I subsequently purchased a new credit report and confirmed said resolution. This morning, using credit monitoring service XXXX, this disputed and resolved collection is again appearing on my credit report ( XXXX ). This time, the agency listed is XXXX XXXX XXXX XXXX. However, this time XXXX XXXX is reporting the previously resolved collection with a total of {$430.00} ( {$1.00} dollar difference ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-01

Menifee, CA

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

2018-03-01

Addisleigh Park, NY

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

2018-03-01

Topanga, CA

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

2018-03-01

Gary, IN

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

2018-03-01

Menifee, CA

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

2018-03-01

Del Rosa, CA

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