ERC

2018-03-01

Bayview, SC

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

2018-03-01

Grand Prairie, TX

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

2018-03-01

Bloomington, MN

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

2018-03-01

Foothill Ranch, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XX/XX/2016 {$250.00} This debt is not mine and I am not sure where it came from.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-28

Chalmette, LA

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

2018-02-28

Euclid, OH

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: On XXXX I switched my cellphone service from XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX offered an switcher program that allows XXXX XXXX XXXX to buy your phones from XXXX and pay your remaining cell phone balance. All of the necessary measures were taken from my end which required me to cancel service with XXXX, complete the switcher program online, and turn in all XXXX of my cellphones via mail. I have a photo of the box I sent through XXXX and the tracking information stating that the phones were delivered to XXXX XXXX XXXX. I never received credit for my cellphones and I have a remaining balance ownd to XXXX of {$2400.00}. This balance has now sent to collections and I never received any resolve from XXXX XXXX XXXX. I did receive confirmation that the cellphones were in the factory but they had to check the phones to make sure they were in good shape to receive full credit. All the phones were like brand new and I had only had them for about 3 months before switching over to XXXX XXXX XXXX. I spoke with XXXX local XXXX XXXX XXXX store managers and there was no resolve. I was referred to call XXXX XXXX about receiving credit for my phones and last payment. I spoke with multiple people which I have documentation of who and when I spoke with them again with no resolve. Lastly I spoke with corporate of XXXX XXXX XXXX which was the Executive Response Manager for my case and she explained that they had my cellphones and that they were behind in their work and they would get back to my case. After several email attempts she stopped replying to my emails after all the necessary information was presented to her. I now have this debt on my credit report and my cellphones were basically stolen by XXXX XXXX XXXX leaving me in financial grief and frustration. I am looking to receive {$2400.00} from XXXX XXXX XXXX to pay off the creditors and clean my credit report.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2018-02-28

Amherst, NY

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

2018-02-28

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a collection notice from ERC stating that I owe for an XXXX XXXX XXXX account that I have never had. ERC alleges that I owe {$290.00} but that they would settle for {$110.00}. ERC also lists an account number that I have never had. I mailed a letter of dispute and have yet to hear back. I also googled ERC and XXXX XXXX XXXX collections and found that there are tons of other people that ERC is sending these same letters to for fraudulent accounts alleging that money is owned to ERC on behalf of XXXX XXXX XXXX. Many people have had to file police reports for identity theft and fraudulent claims because of ERC. In the letter sent to me, ERC is threatening to report this fraudulent account to the credit bureaus. I was one of the many effected by the hacking of XXXX so I am extremely concerned that my identity has been indeed stolen, especially since I have a very common name. On the XXXX XXXX XXXX online customer forum, there are so many people that have had their credit ruined for fraudulent XXXX XXXX XXXX collections. This is very scary. I am also filing complaints with the Texas Attorney General, the XXXX and the XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-27

Macon, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Debit was removed from credit report between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX received another debit collection letter from ERC for the same debit. I never sign a agreement with ERC. This debit with ERC is not my debit and should be removed from my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-27

Charlotte, NC

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

2018-02-26

Corpus Christi, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have sent a letter to all 3 credit beaures on XX/XX/XXXX to ask them to contact and verify and validate the so call debt that is owed with this creditor they have failed to correctly validate that is so called debt is mine. Creditor is enhanced resource centers amount of {$510.00}. They have sent a bill, no contract with my signature within in the 30 days as in the FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-26

Orange, 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

2018-02-26

Vicksburg, MI

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

2018-02-26

TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: ERC a debt collection company is attempting to collect an old debt on behalf of XXXX or for their own profit with an origination date in excess of 7 years. As an example XXXX collections shows an open date of XX/XX/2016. ERC has placed debt collections information on my credit report that negatively effects my score. ERC has mailed to my home address attempts to collect this old debt and threatened " unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after your receipt of this notice, the debt will be assumed to be valid by us. '' Not only must ERC stop their open ended threats of assumed debt, ERC must remove the long overdue removal of this debt from my credit information. ERC must stop collection attempts and stop continued efforts to re-new this old debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-26

Jamaica, NY

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-26

Jamaica, NY

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-26

Brooklyn, NY

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

2018-02-25

Los Angeles, CA

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

2018-02-25

Country Club, MO

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

2018-02-25

Birmingham, AL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I just ran my credit report for the first time last year and this is how I made the discovery that my identity had been compromised. I have filed a police report with the XXXX police department. You can contact the XXXX police department for verification. I have never lived at the address the creditors have listed on file nor was I living in XXXX al at the time of service.. XXXX XXXX XXXX XXXX ( XXXX XXXX ) collections department {$400.00} date opened : XX/XX/2017 account XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-24

Victorville, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed. I have informed XXXX that I returned their box. They have ignored me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-24

San Gabriel, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: ERC a 3rd party collection requesting payment not owed. ERC stating the oringinal company is XXXX XXXX. I have asked for signature with contract with ERC. This debt is not owed by me. I am requesting for all harassment to stop and if this is reported on credit bureaus needs to be removed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-24

Lynwood, 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

Was not notified of investigation status or results
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-24

Palm Bch Gdns, FL

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-24

Jupiter, FL

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

Timely Response