ERC


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"Products" offered by ERC with at least one, but usually more complaints:

Bank account or service - Other bank product/service
Checking or savings account - Checking account
Consumer Loan - Installment loan
Consumer Loan - Vehicle loan
Credit card -
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Money transfer, virtual currency, or money service - Debt settlement
Mortgage - Other mortgage
Other financial service - Debt settlement
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Prepaid card - General purpose card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan

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Complaint ID: 4539273

Date Received: 2021-07-13

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company Response:

State: GA

Zip: 30296

Submitted Via: Web

Date Sent: 2021-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4539047

Date Received: 2021-07-13

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: There is an account that is unknown and I do not owe. I never received anything regarding this it just appeared on my credit file. Please help Enhanced Recovery XXXX

Company Response:

State: TX

Zip: 77429

Submitted Via: Web

Date Sent: 2021-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4537621

Date Received: 2021-07-13

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: To whom it may concern : Please provide proof of claim of said account XXXX Provide contractual signatures and agreements of said account with your office. If no such documents can be provided then by fair debt collection laws you are unjustly harrassing and unlawfully attempting to collect monies not owed to you. You have 15 days to remove and cease and desist all communications.

Company Response:

State: GA

Zip: 31024

Submitted Via: Web

Date Sent: 2021-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4537438

Date Received: 2021-07-13

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company Response:

State: OH

Zip: 45458

Submitted Via: Web

Date Sent: 2021-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4537326

Date Received: 2021-07-13

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: I have paid off the debts and they refuse to remove from my credit.

Company Response:

State: TN

Zip: 37066

Submitted Via: Web

Date Sent: 2021-07-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4533922

Date Received: 2021-07-11

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company Response:

State: OH

Zip: 44087

Submitted Via: Web

Date Sent: 2021-07-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4533292

Date Received: 2021-07-11

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: ENHANCED RECOVERY CO # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. Please all request listed of you will be in violation of the FCRA.

Company Response:

State: OH

Zip: 44112

Submitted Via: Web

Date Sent: 2021-07-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4532581

Date Received: 2021-07-10

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company Response:

State: GA

Zip: 30253

Submitted Via: Web

Date Sent: 2021-07-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4532373

Date Received: 2021-07-10

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company Response:

State: WI

Zip: 53220

Submitted Via: Web

Date Sent: 2021-07-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4532052

Date Received: 2021-07-11

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company Response:

State: CA

Zip: 92833

Submitted Via: Web

Date Sent: 2021-07-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.