ERC

2018-01-28

Brooklyn, NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Company ERC XXXX XXXX XXXX has an account under collections that i did not know about until i checked my credit report. Im not sure how long it has been there. The account was dropped from my XXXX recently but not dropped from my XXXX and XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-27

Kosciusko, MS

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

2018-01-26

Tucson, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/XXXX/XX/XX/XXXX I was contacted by a company called XXXX XXXX regarding a bill in a name that was similar to my own and used by a previous tenant of mine who misread the spelling of my name. I promptly contacted their fraud department and informed them as well as the name of the tenant who apparently previously had an account with this company. XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this alleged debt. On XX/XX/XXXX they were notified that this debt is not mine and requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. This was sent via certified letter return receipt requested and signed for XX/XX/XXXX by " XXXX XXXX ''. XX/XX/XXXX I was again contacted by XXXX XXXX XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. XX/XX/XXXX I was contacted by ERC regarding this alleged debt. XX/XX/XXXX I forwarded the previous letters to ERC, they were also notified that this debt is not mine and I again requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. XX/XX/XXXX I was again contacted by ERC with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. XX/XX/XXXX I was again contacted by ERC in response to my dispute and was only supplied with a printed copy of a single XXXX XXXX bill but no supporting documentation requested that would validate the alleged debt. I have gone above and beyond communicating relating to this in an attempt to address the issue in accordance with the law and all parties involved have failed to comply with the FDCPA which is there to protect people from predatory collection practices like these. All supporting documentation will be provided via request.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-26

Flor, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I paid the debt of {$150.00} ERC collection company for XXXXXXXX XXXX XXXX of 2018. When i paid the debt i ask could it be taking off my credit report. the young man i spoke with said it would come off in 45 days. It came off as promised, then they put it back on as Paid. this is an unfair credit act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-26

Shulerville, SC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: The week of XX/XX/XXXX I sent the credits bureaus letter about ERC on my credit and ERC sent me copies of bill statements but they fail to validate that I owe them a debt. They did say any any documents with my signature or document stating I was responsible for owing this debt. Also the bill statement ERC sent shows a balance of {$2000.00} but updates on my credit reports every month as {$1800.00}. This debt was removed from XXXX did n't it was n't enough validation but XXXX and XXXX updated saying Meets FCRA Requirements
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-26

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX continues to assign an account to collection agencies that I do not owe. I contacted the last agency XXXX XXXX and told them this account is disputed because the service is still active and has never become delinquent. XXXX was handling the billing for XXXX XXXX and that billing was transferred back to XXXX XXXX. The XXXX XXXX account is currently active and has been for over 8 years. There is apparently some transfer of funds issue that occurred between the 2 large companies but the account has never been past due. Currently ERC is attempting to collect this debt. I thought it was closed back in XXXX of 2017 when I contacted XXXX XXXX and explained the internal billing error between these companies. My next course of action will be to file a lawsuit aginst all parties involved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-26

Brooklyn, 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

2018-01-26

Arcola, 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

2018-01-26

Bronx, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Disputed Same collection Account/ Amount from creditor with a diffrent collection agency ( XXXX ) already. All major credit bureaus removed derogatory mark from my credit report a year ago. Now new collection agency attempt to collect asking to settle and harassing me. Why is it possible for the creditor to continuously send my information to other collection agency if account has been previously disputed/closed and they have full acknowledgement of that?? Who is responsible and how is this fair to the consumer ( me )??
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-25

Dundee, NJ

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-01-25

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: On XXXX/XXXX/2014, I see that a debt of {$210.00} was added to my credit report for a XXXX XXXX bill that was not paid. I have never had XXXX XXXX before and have contacted the company to let them know and they insist its my bill. I have only ever had XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-25

Hurst, TX

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-25

Elkton, MD

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

2018-01-25

Juniper Hills, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I received an alert XXXX/XXXX/18 about a change in my credit report, a collection account had been added/opened. I had no idea what or why this came completely out of the blue. I called XXXX XXXX XXXX XXXX ( Listed as the creditor on the report ) on XXXX. Got the run around, requested proof of what they are claiming. Original creditor listed as XXXXXXXX XXXX I have had XXXX XXXX the past 6 years and am not aware of owing anything. Enhanced was unhelpful and rude when I called, this is clearly a scam to extort money holding your credit score XXXX. I have sent a letter to them demanding proof and requesting this be removed immediately from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-24

Spring Hill, FL

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. This has damaged my credit severely and I want it to stop.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-24

Mission Viejo, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I 've never enrolled or paid for services with a Company by the name of XXXX XXXX. All of a sudden there was a collection account on my credit report stating that XXXX XXXX, XXXX I opened up an account with them and then never paid. They 're saying I owe them {$63.00}. I 've tried to contact them and let them know I 've never been a customer or ordered service with them and I have never received any mail correspondence stating that I was a customer and that I had a balance. I have n't received any help from the company or received in anything written in the mail showing that I signed up for service and had a bill. I 've also had an issue with identity theft in the past and went to court with the credit bureaus to rectify the errors. Everything was cleared up in court and it says on my credit report XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have n't applied for anything since then so I do n't know how this could even be possible to be my account. Not only that, but I would have paid {$63.00} if it was owed. So this is why I 'm contacting the cfpb for help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-24

Clayton, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This collections first appeared on my account in XX/XX/XXXX in the amount of {$460.00} for XXXX XXXX. I contacted the collection agency directly to obtain information regarding this account. The collections agency suggested that I speak directly to XXXX XXXX. XXXX XXXX provided me with forms to complete to dispute the account. I completed these forms and returned them to XXXX. After numerous letters mailed to the credit bureau, all three collections removed the collections from my report. A few months later I received a letter from XXXX stating that the account would be removed from collections. In XX/XX/XXXX the account showed up on my credit report again for XXXX XXXX in the amount of {$460.00}. Because XXXX had confirmed with me in XX/XX/XXXX via letter that this account was indeed fraud and they would report to the credit bureaus. I disputed the account with the credit bureaus. Again this account was removed from my credit report. Here we are in XX/XX/XXXX and the same fraudulent account is reported to my credit report again for XXXX XXXX in the amount of {$460.00} this time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-24

Leander, 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

2018-01-24

Deerfield Beach, 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

2018-01-24

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX has placed a derogatory collection on my Credit Report, which is affecting my credit. I do not have said Debt of {$2800.00} with this company. The agency has not been able to VALIDATE the debt with the proof of the original contract with original signature, payment history etc. ). A bill is not proof of debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-23

Detroit, MI

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

2018-01-23

Anaheim, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 {$450.00} {$450.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This debt has been sold so many times and nobody can validate it for me and I can ; t keep up with what collection company it is at half the time. I do n't believe its mine either.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-23

Tulsa, OK

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Years ago I had a cell phone account with XXXX XXXX XXXX. I went through the proper steps to close the account and moved to a different provider. XXXX XXXX XXXX continued to send me bills for service in which I had ended. I repeatedly called their customer service and they would say it has been resolved. Years later I continued getting a bill saying I owed for service in which I did not have. I learned later that XXXX XXXX XXXX has class action suits against them for the same practices. Eventually they turned my bill over to a collection agency in which I have zero correspondence. It shows on my credit report.. XXXX XXXX XXXX has XXXX tactics and poor customer service. If they were to pull up the account for the dates years ago they would see that there was no active account and no activity on the account. I think with research it will be found that XXXX XXXX XXXX has done this with many others.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-23

Miami, FL

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

2018-01-23

Pigeon Forge, TN

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