ERC

2018-02-23

San Jacinto, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I contacted XXXX XXXX XXXX on XX/XX/2018. I informed them that i never had A XXXX XXXX account before, which is the bill they are saying I owe them for debt. I never opened the account and asked for a verification of debt. They informed me that they do not legally have to provide me or notify me of debt. I was never notified about the collections. I never Recieved a letter. I only knew i had the collections because i ran my credit report. When I contacted the company, they could not find my file. They have the wrong name under my social security number. This company is fraudulent and unjust.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-23

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I filed a complaint in XX/XX/XXXX regarding a collection for XXXX XXXX XXXX XXXX in the amount of {$830.00}. The account was originally with XXXX XXXX. I asked that proof be sent to me proving this account was opened by me and a signed contract with my signature because I did not open this account. After 15 days, XXXX XXXX XXXX recalled the account and it was deleted from all credit bureaus but now I see that that same account was given to XXXX XXXX and their trying to collect again.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-23

Val Verde, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I spoke with XXXX XXXX XXXX, a Debt Collector on XX/XX/XXXX about this account listed on my Credit Report. They said that the Creditor was XXXX. I informed them that I do not have and never had a XXXX Account. They said for me to call XXXX. I call XXXX on XX/XX/XXXX, they transferred me around, and finally the lady ask for my Social Security Number. I said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call they to get more information. I tried disputing it with them on XX/XX/XXXX, I was only able to dispute with XXXX XXXX XXXX, on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-23

Anaheim, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I only have one collections account. Its from an old XXXX bill, the collections agency ERC is coming after me for {$860.00}. I was young & dumb, I wish I could pay it off but I dont have the funds to pay off this amount. I know taking care of my credit is important but my paychecks go to rent & my car payments. Please help, thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-23

Kingsland, 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

2018-02-23

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

2018-02-23

TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Ever since XXXX they have hit my credit DAILY as a new creditor, causing my credit score to disintegrate after I have told them repeatedly this is not only an INVALID debt, but that I want proof of my debt to them or any client of theirs. I have sent TWO letters ( tghe 3rd will be sent XX/XX/2018 ) demanding they show me proof of my debt and they have blatantly ignored my request, yet post DAILY to my credit report as I habe gotten notificiations from XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX DAILY. This tactic is not only demoralizing but downright wrong since I habe asked they prove debt, which they have failed to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-23

Bakersfield, CA

Incorrect information on your report

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

Account status incorrect
Complaint: Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with XXXX on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-23

Detroit, MI

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 was notified of this debt when it was applied on my credit report. Previously I was not aware of the balance or that this account was with this company. I have previously contacted XXXX to settle this but was told that there was no balance owed. I called ERC to pay the bill but request that this be removed from my account. I confirmed that they had the incorrect address and the gentleman by the name of XXXX ( manager ) told me that it was to bad. Per the debt collecting law, I have 30 days to be notified and then if no action is taken is placed on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-22

Bellview, FL

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

2018-02-22

Clarkesville, GA

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

2018-02-22

Las Vegas, NV

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This was a dispute about charges on my XXXX cell phone account years ago. I tried to resolve the problem with the company but they were not open to discussion and sent me to collections. I a hard working person and pay my bills but when I am getting overcharged and the company will not work with me to resolve the issue and just sends me to collections. I do not feel that is fair. I would request that this Derogatory Mark be removed from my credit report as I tried to work with XXXX but they just sent me to collections and I do not have a contractual relationship with this company ERC and do not owe them anything. Please remove this from my credit report. The Second Mark on My Credit report is a Lein placed on my account in error. As you can see it was placed on my account and removed the sale day. Please remove theses Derogatory remarks on my Credit Reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-22

Orland Park, IL

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-22

Chico, CA

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

2018-02-22

Lansing, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-21

AR

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I came home from taking care of some business and found a call on my caller ID that I didn't reconize so I called back and a man with a XXXX accent answered the phone and started to give me a run about infomation on me and claimed I owed a debt that they were attempting to collect. I knew I didn't owe a debt so I chewed the man out and told the not to call me anymore or I'd take legal action and I hung up.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-21

Grand View, ID

Incorrect information on your report

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

Account status incorrect
Complaint: I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. The balance says zero and is paid.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-21

Houston, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Company Response: Closed with explanation

Timely Response

2018-02-21

Bee Spring, KY

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

2018-02-20

Drexel Hills, PA

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-20

Lafayette Hl, PA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: On XX/XX/XXXX I spoke to a representative of ERC about a bill I owe. I set an appointment with XXXX to call me on XX/XX/XXXX to discuss the terms of settling the debt, as I would have a better idea of whether or not I could pay the settlement agreement in full or I would need to set up a payment plan. Today, XX/XX/XXXX, another representative of the same company for the same debt called me, and thinking it was a mistake, I explained that I already had an agreement in place with another rep and would be in contact with their company on Friday. After this conversation, with her acknowledgement that I'd already set up to be called on Friday, she asked if I wanted 3 bi-weekly or 3 monthly installments. I declined to speak further on the account and stated so, because she clearly wasn't listening to me. She then told me she would set me up on a payment plan for 3 bi-weekly payments and needed a debit card or checking account number to secure payment. I then repeated that I decline any payment arrangement because I don't know what my finances will look like, and while I don't deny I owe it, and do intend to pay it, I can not promise her money I don't know I have. She then stated she set me up on the payment arrangement and asked again for a form of payment. I again, stated very clearly that I decline her doing so. She then asked me for my payment information, and I repeated that I decline her setting up a payment arrangement. Her next statement was " with no response we will try to call at another time ''. I found this to be overly aggressive, predatory, and harassing. Not only did her company have a record that I had already been spoken to and that I would be in contact in less than 10 business days, she attempted without my permission, to engage me in a contract multiple times that I in no uncertain terms declined, multiple times.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-19

TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: We had XXXX XXXX as our internet service provider at our prior address. About three years ago we moved to our current address. When we moved we called XXXX to change our service to our new address which they did. We immediately began receiving invoices at our new address which have been paid on time. What I did not know or understand is that the XXXX representative created a new account for our new address. To make matters worse they never changed the address on our old account to our new address so I did not receive the remaining invoice from our old account. From my perspective it was a seamless billing process since I didn't notice the account number change. As a result I now have a collections account for {$93.00} from XXXX XXXX and their 3rd party collections agent Enhanced Recovery Company for {$93.00} on my credit. I can only assume this happens quite often since it is their practice to open a new account when the service address changes. It would seem to me if XXXX was trying to be responsible partner with their customers the first thing their internal collections team would do is cross reference a collections account with current customer accounts and see if their is an open account. This would be a clue to change the address on the old account and invoice the customer at the new address. I guess it is too easy to just send it out to a 3rd party and damage their customers credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-19

Davenport, IA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX- I mailed letters to XXXX XXXX requesting debt validation. Each time I was sent a copy of a bill from XXXX. I requested proof that i was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/XXXX and XX/XX/XXXX, that this was not a request for verification but a request for validation. I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or deliquency -verification that debt was assigned or sold to the collector XXXX XXXX has failed on 3 different occasions to provide me with this information. Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove thaey have the legal right to collect this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-19

Valdosta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I was a victim of identity theft, according to what the bank stated to me the victim was arrested, they refused to give me anymore information.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-02-19

MD

Incorrect information on your report

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

Account information incorrect
Complaint: Enhanced Recovery Co has been reporting a collection on my credit report for a XXXX account. I asked for validation and information as I do not have a XXXX account. They sent a XXXX bill with the same name as mine, but at an address I don't live at. I asked for them to please clarify to which I never received a response however they did update my credit report to show a balance due of {$160000.00}! I was denied credit twice during that time period due to their negligence. I reached out to them again demanding deletion and have certified tracking showing the letter was received by ERC. They have not responded, but changed the amount reporting to the credit bureaus again since. There are multiple clear violations to my FCRA rights.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response