ERC

2018-01-18

Five Points, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I was unaware of the said debt and was not notified about the debt. The debt appeared on my XXXX credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither XXXX nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. XXXX responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from XXXX or the collection agency. This account is reporting negativley on my XXXX report and causing me credit issues.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-18

WI

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: The original creditor XXXX opened an account in XXXX, they sent me to collections in XXXX and each year it falls off my credit report and then about 3-6 months later another collection agency appears on my credit. I do not owe XXXX over $ XXXX never have.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-18

Birmingham, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I nevered set up this account. Not sure who setup the account in my name ; but I was no longer living at the address because I was going through a divorce and moved out.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-18

Charlotte, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I did not have a contract with ERC.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-18

Blue Mound, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I just received notification that this account was added to my credit report. I did not receive a dunning letter. The address that they are reporting is not my address and I have never lived at that address.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-18

Durham, NC

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: A company called XXXX XXXX XXXX has put derogatory marks on my credit report for the amount of {$950.00} dollars. I have never heard of or dealt with this company ever before.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-18

Liverpool, TX

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

2018-01-18

Ridley Park, PA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Debt Validation Request Per Section 809 ( FDCPA ) To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and is there some contractual obligation that is binding on me to pay this alleged debt. Prove to me beyond a reasonable doubt that I have a signed contract with your company XXXX XXXX XXXX agreeing to pay this assigned debt. Please prove that you are the original creditor. This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a civil suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request and fail to prove that you are the original creditor with proof of a signed agreement within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Regards XXXX XXXX XXXX cc Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-18

Niskayuna, NY

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

2018-01-18

Colts Neck, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2018-01-17

Ft Wayne, IN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: A few months again I asked enhanced recovery to verify these are indeed my 2 cell phone bills. I still have n't received anything. They wanted to collect money! I told them I do n't recognize this debt or owe any money to this creditor.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-17

CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This company has filed a derogatory mark against my credit for a charge with no basis and without ever contacting me. This was done with malice and negligence. Another company had contacted me regarding the same charge and, after discussing it with them, they stated that it was settled. ERC clearly made little or no attempt to contact me. Nor did they perform due diligence on verifying the charge. The mark against my credit appeared on XXXX/XXXX/18. The amount supposedly owed was {$350.00} for cancelling XXXX XXXX ( I did not cancel XXXX XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-17

Yulee, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2018-01-17

Liberty, MO

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
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

2018-01-17

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: For some years now this has been popping up on my credit reports. Have disputed in the past because my sister whose name is XXXX XXXX has on multiple instances taking my identity and used it to get bills like gas electric water and cable wherever she would be staying. I thought I had this taken care of 2 years ago but it popped back up 6 months ago. Now it is time that we are looking for a home and I I just called and paid XXXX XXXX to there collections department. Not too ERC group. I have contacted all letting everyone know that this was my sister taking my identity. I did not go as far as getting a judgment against her for taking my identity I have just been paying for it. Like I said I paid for it on XXXX XXXX 2018 direct to XXXX collections department. I would like this removed from my reports as soon as possible. Thanks XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-17

Smoke Rise, GA

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

2018-01-17

Lawrenceville, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have disputed this item before and they took it off, now they have placed the item back on my credit profile, I have know knowledge of the said account. I was a victim of ID thief and the company has been made aware of it several times.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-17

AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my XXXX report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-17

Moreno Valley, CA

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

2018-01-17

Arlington, 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

2018-01-17

Edinburg, 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

2018-01-17

Sioux Falls, SD

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

2018-01-16

Bremen, GA

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

2018-01-16

Victorville, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: In XX/XX/XXXX I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR following accounts XXXX** XXXX** XXXX** DEBTS I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX who apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the (FCRA) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615(f), 623(a)(6).
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-16

Jacksonville, FL

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