ERC

2018-01-16

Clarksville, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I received a copy of a XXXX phone bill in the mail via XXXX XXXX XXXX which stated that I owe an alleged debt in the amount of {$630.00}. ERC stated that the phone bill was a " validation of debt '' letter mailed to me in response to a dispute that I initiated with credit bureaus. A copy of a bill is a not validation of debt, under the FCRA I have the right request a contract from the original creditor that states I owe ERC this alleged debt. Account number : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-15

El Portal, 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

2018-01-15

Burbank, CA

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

2018-01-15

Orange Park, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: ERC is reporting I owe XXXX XXXX I have never had XXXX XXXX this is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-14

Leeton, UT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XX/XX/XXXX I had a receiver stop working and when I called to try and have the problem fixed I was told that I would have to either pay to have a technician come out or agree to a new two-year contract to get new equipment. Having been a loyal customer for five years I did not like the two options that were given to me and decided to cancel my service as I was knew I was not bound to any contract at that point. I was then sent a box to return two receivers. I actually had three receivers at the time and decided to return all three. After this, I told my wife to shop around for a new TV service and she did and ended up signing up for XXXX again. A few weeks later I received a bill in the mail saying that I did not return my receivers so I gave you guys a call to clear up the matter. I spoke with an extremely nice man from Arizona that said that the bill had been sent out before the receivers had been received and that it would be resolved no problem. At this time he noticed that my account had been deactivated and that another one had been opened in my wifes name. He said that since I had been such a good customer that he would be able to merge our accounts together in order to get us some really good deals so I agreed. He got most everything set up and then said he had to transfer me to what I believe was an account specialist and this is when everything turned south and where I believe this whole problem is stemming from. I was then transferred to and incredibly rude young man that said merging accounts was not possible. So I told him thats what I was just told by the previous employee and he refused to look into it. Because of this I told him to cancel everything the previous employee set up if he wasnt going to do what I was quoted. After this I was under the belief that things were just going to be like what my wife set up. About a month after this ordeal I received another bill. I called again and eventually talked to a very helpful woman and she supposedly got to the bottom of it when I explained the whole situation. She also told me that merging accounts was in fact possible and that the rude young man I spoke to was in the wrong. I spent over an hour on the phone and she told me that she had it all figured out and that I would be receiving another bill but to just disregard it. Once again I figured this matter would be taken care of. About another month later I received another bill. Once again I had to waist a considerable amount of time explaining the exact same situation to multiple people. Once again I was told that this matter would be resolved but I was reluctant to believe it so I asked for a phone number that I could call if not and so she gave me the number XXXX and a pin of XXXX. I just received a letter from collections in the amount for the bill I have been receiving ( {$150.00} ). I called today to figure out what was going on and tried using the phone and pin number I was given but it did not work and I was told that the bill was for an early termination fee and that the only way to deal with the matter was to send a hand written letter to the XXXX disputes address. I dont know how could possibly receive a bill for early termination when I was with the company for 5 years and no longer under contract and now that my wife is signed up and still paying her bill. The phone number that was on this account ( XXXX ) that was supposedly terminated early wasnt even correct so I dont know how it got created in the first place. I then gave the correct phone number and I was told that I would receive a call back from a supervisor, which not surprisingly did not happen. I sent the letter as well as filed the complaint. The dispute went through for the collection company but it did not for XXXX. Now ( XX/XX/XXXX ) I just received another collection notice for the same amount from ERC. I was never contacted from XXXX about the letter I had to write so I assumed the debt had been cleared. I will be disputing this again as I do not know how I could get an early termination fee when I was with the company for 5 years and was no longer under contract. After being assured by managers of the company that this would not be an issue I would really like an explanation and proof of why I am being charged this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-14

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Attention XXXX and if possible XXXX and XXXX Delinquent Account ; XXXX XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX systems about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same i guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-14

Ladson, SC

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

2018-01-14

Stkn, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: About two years ago i purchased a copy of my credit report and noticed there exist a collection account for an unpaid XXXX XXXX XXXX and few other account that was not mine and i did not applied for any of them. After contacting credit bureaus i was informed that i need it to file a police report and also an FTC report which i did and send it to credit bureaus and the original source. They all did removed the fraudulent account from my report and everything was great till when i tried to refinance my home and i got turned down due to this collection account which they reinserted on my credit report and re aged it. Again i sent my dispute letters to credit bureaus and the ERC collection agency and in my letters to them i enclosed a copy of my police report and my FTC report. Not only they have not removed this fraudulent account from my credit report they sent letters to credit bureaus that this account belongs to me and been verified. So far this company caused me a great deal of stress and money and i need your help to resolve this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-14

Killeen, 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

2018-01-14

Canutillo, TX

Written notification about debt

Debt collection: Medical 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

2018-01-13

Miami, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 1. XXXX XXXX {$580.00} 2. ERC {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-13

Ponce Inlet, 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

2018-01-13

Texarkana, 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

2018-01-12

Elmhurst, NY

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

2018-01-12

East Long Beach, CA

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

2018-01-12

Clarksville, MO

False statements or representation

Debt collection: Payday loan debt

Told you not to respond to a lawsuit they filed against you
Complaint: MY spouse received a call XXXX/XXXX/18 on her personal cell phone with this company stating they need a call back. They will be out to my house or work with some documents that will need a signature. Called back found out there are a collection agency acting threating to serve papers if balance is n't paid. I am also bothered they called my wife & discussed my debt she is n't even on & left a voice message on her phone threating to serve me with a wage garnishment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-11

Lewisville, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX1961 Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-11

Houston, TX

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

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

Investigation took more than 30 days
Complaint: Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-11

Burbank, CA

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

2018-01-11

Fort Worth, 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

2018-01-11

White Hall, PA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Enhanced Recovery has reported a collection account on my credit report. Prior to this account appearing on my credit report, I did not receive a notice of right to dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-11

Belle Haven, VA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I had XXXX I 'm not sure when I contracted but when I did the installer had to enter my home through the attic. The room where the attic is located in a room I rarely enter so I did n't notice that the installer damaged my property until later. I notified XXXX on a call to them while addressing another issue be it there poor service which went out quite often or an occasion where a representative was very rude to me and refused to transfer and I had to escalate the call. At any rate, I ended up canceling the service when they renigged on offering a payment plan and then said they did n't and it was just one thing after the next. They threatened to take funds out of my account which I did n't have and said that is what I agreed and then refused to send me the contract. When I mentioned the damage they then sent me on a wild goose chase to file a claim for which the company has no affiliation with them. Some of the interactions were just simply unprofessional and not very helpful. When I finally received a call from a collection company I informed them of the damage and advised that I was disputing the amount which is {$100.00} and asked if I needed to place the information in writing the representative stated no. I did n't receive any additional calls from them. It 's the New Year so I wanted to take a gander at my XXXX and low and behold who has placed a Collections on my file. I am still in dispute with this and feel that they should have investigated this claim that their employee damaged my property. Then they damage my credit this is unfair treatment but this is how they have been treating me since I 've made my claim. Please investigate XXXX and the Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. You attention is greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-11

Blue Springs, MO

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

2018-01-10

Macclenny, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/XXXX I purchased 5 new XXXX from a XXXX retail store on my personal account. At the time of checkout, they asked me if I owned a business, which I do. They said I could save a decent amount of money on taxes and services if I were to convert my personal account to a business account, so I did. They informed me that I would receive a final bill for my personal account. When I received the bill I paid it on XX/XX/XXXX in full. I no longer had access to my personal account but thought everything was taken care of and complete. About a month later I received a collection letter stating that I owed {$93.00} to XXXX XXXX XXXX ( ERC ) for an unpaid XXXX bill. Over the next 6 months I have spoken to multiple XXXX reps as well as ERC reps and have gotten nowhere. Finally, on XX/XX/XXXX XXXX informed me that they found my payment made back on XX/XX/XXXX after I sent them very specific documents from my bank with transaction numbers and times. XXXX stated that they applied that lost payment to my personal account and the account was now reflecting a XXXX balance. I had XXXX send me documents with their letterhead stating this for my records. I sent these records to ERC through email as well as verbally spoke to them asking them to remove this collection from my 3 credit reporting agencies. They informed me that they could not speak to XXXX and have no way of updating their information, that I still needed to pay ERC for the debt that they purchased from XXXX. This collection account haunts my credit report and has dropped my FICO score tremendously! It is not fair that I did so much leg work and research to prove that I was in the right and this company refuses to accept the fact that it was a mistake by the creditor, not the consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-01-10

Winston Salem, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX/Company has never communicated via phone, mail, or email that I have ever owed them a debt. This debt has been placed for collections and has been reporting to all 3 credit bureaus. I have no knowledge of this debt. Also upon further investigation, the state of North Carolina requires collection agencies to be registered with the Secretary of State. XXXX XXXX XXXX is not licensed to do business in North Carolina. Their current status is WITHDRAWN.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response