ERC

2018-01-22

Jupiter, FL

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

2018-01-22

MO

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: This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my XXXX report via a collection agency and the new date shown. XXXX has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-01-22

Hinkley, CA

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: Settlement for XXXX XXXX debt collection was done through their agency, XXXX XXXX XXXX. ( ERC ) on XX/XX/2017. The collection information is not deleted from my credit report after the Settlement was made.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-22

Pueblo, CO

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

2018-01-22

Mount Holly, OH

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

2018-01-22

Missouri City, TX

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

2018-01-22

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: To CFPB, I am filing this complaint against XXXX XXXX who recently placed on my credit report an account that is fraudulent, they are reporting that I owe XXXX XXXX ( formally XXXX XXXX ) {$640.00} How crazy does things get? I owe XXXX NOTHING!! This collection agency just caused my credit score to go down because of this fraud that is being reported by XXXX XXXX therefore, I am requesting that CFPB investigate and fine XXXX XXXX XXXX XXXX XXXX dollars for their fraudulent activity. Further, when I contacted XXXX this morning about this fraudulent activity by XXXX XXXX they were stunned that anyone would pull such a stunt on some one with such a good paying record with them and instructed me to upload to you, CFPB a copy of my bill which clearly shows I owe NOTHING and am current. I will now upload that document to you so you can see for yourself that what XXXX XXXX has done is both illegal, slander, fraudulent, nonsensical, and defamation of my character and they need to be punished for this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-21

OH

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: To whom it may concern : Hello i checked my XXXX XXXX account Sat XX/XX/XXXX at XXXX and found out this debt was on my credit report in collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX number XXXX in the amount of {$200.00} date opened XX/XX/XXXX. Also it said original creditor XXXX XXXX XXXX and not once do i know of this account they never one time called or sent me a bill or letter explaining i owe a bill or if you do n't pay it will be on your credit report neither company. This is a problem for me .They just put it on my credit report without prior notice about anything. And this is what i would like to happen, is for it to be removed from all 3 credit bureaus and an apology letter from both companies saying this will be removed from my credit report and both companies to pay for my credit score being lowered because of their mistake in the amount of {$5000.00} each. They should not get away with affecting my credit score and they never once sent me a bill or letter i do n't know who or what this account is at all. I have no knowledge of this account. Thanks for your time.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-21

NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: ERC {$1300.00} XX/XX/XXXX XXXX {$1700.00} account opened XX/XX/XXXX These accounts are fraud due to identity theft I want them removed because they do not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-21

TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I sent a letter to ERC regarding account number XXXX requesting verification and validation of debt per FCRA. I was notified that this account was verified. I did n't received no documentation of original contracts with my signature. and no proof of a fair and thorough investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-20

Lewisville, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I sent XXXX XXXX XXXX balance of XXXX a letter asking to provide me with proof of verification and validation of documentation of original contracts with signatures. I received back saying it was verified. I do n't think they did a fair and thorough investigation per the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-20

Kalamazoo, MI

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-20

Kalamazoo, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-19

Murray, UT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: So we get this collection from XXXX XXXX XXXX on our credit report that dings our score we have done a dispute the credit reporting companies find in our favor and remove the credit from our credit just to have XXXX XXXX XXXX sell our debt ( thats not ours ) to a diffrent collection company so we dispute again and win XXXX XXXX XXXX keeps selling our debts to diffrent collection companies every time we get it removed from our credit. It has stopped.us from purchasing a motorhome. It has recently ding3d our credit from XXXX to XXXX XXXX points.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-19

Newport, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Last Reported XXXX XXXX, 2017 Collection Agency ERC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Balance {$2000.00} High Balance {$2000.00} Remarks Placed for collection
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-19

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: For some reason ERC has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating serious issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. I disputed this account directly with ERC on XXXX XXXX, 2017. To date, ERC continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to validate this account. The FDCPA states they must cease collection activity until they have produced validation of the alleged debt, that includes furnishing and verifying information on my credit reports. I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unvalidated accounts must be deleted. Who validated this account? What documents did they use to validate? Where are the documents used to validate? I never received correspondence from ERC. This company is in violation for continuing to validate the account with the credit bureaus without providing the evidence as requested. It is my contention that ERC know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ERC is blatantly disregarding the law.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-19

Philadelphia, PA

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: XXXX XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. XXXX provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me. I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand XXXX stop reporting a collection account that XXXX and XXXX investigated and determined it is not mine and deleted it?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-19

Atlanta, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I received a credit report notification for a new account and it was a debt collector. Not only have I never received a bill from the original creditor for any amount owed. I never received a notification of this debt from the debt collector therefore I could not dispute this debt. I am very certain I do not owe this debt as I have never received any bill, nor notification. Furthermore I believe this violates the Fair Debt Collection Practices Act section 15 U.S. Code 1692g.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-19

Oxford, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have contacted XXXX XXXX/XXXX XXXX XXXX to inform them that this debt do not belong to me and that this debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-19

Huntsville, AL

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

2018-01-19

Hazelwood, MO

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

2018-01-19

Melbourne, FL

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

2018-01-19

Moapa, NV

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

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

Problem with personal statement of dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-19

Bellaire, 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

2018-01-18

Kingstree, SC

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: on XX/XX/2018 I received several alerts that my XXXX score decreased, I checked both monitoring companies and both showed a collection company named ERC. ERC reportedly has a {$63.00} collection unknown to me, it also showed the original creditor was called XXXX XXXX XXXX which I've never done ANY business with. I called ERC to resolve this issue and I gave the lady my ss # and she said it my name XXXX?, I said no my name is XXXX that's my government name and I don't go by XXXX. The lady responded and said since I was XXXX she couldn't speak to me about the account and gave my their customer care email to contact with any documents stating otherwise. I don't have no clue who chapter XXXX XXXX XXXX is and want this resolved and removed from my credit file immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response