Date Received: 2021-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX 2. Validate Account Enhanced Recovery Collections 3. Validate Account XXXX XXXX XXXXXXXX 4.Validate Account XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Company Response:
State: FL
Zip: 32536
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is attempting to collect a debt that is not owed.
Company Response:
State: TX
Zip: 76053
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was called by a calling house that wants me to identify my self and record my information and my voice. They have my name, address, and last 4 of my social security correct. I have tried to talk to supervisors in their companies with out success. One company name is ERC. The number that showed on my phone today was XXXX XXXX XXXX XXXX XXXX which identified as XXXX, WI. This call was today at XXXX XXXX Yesterday the call came from XXXX ( XXXX XXXX XXXX at XXXX XXXX and it showed origin on my phone as XXXX, NC. I have asked repeatedly to talk to supervisors and get nothing. I asked for their location and they say they are ERC in XXXX, XXXX. I ask for a # to call them and they give the # XXXX. I am pretty sure it is the same people that called me on XX/XX/XXXX, at about XXXX XXXX XXXX, # shown on my phone as XXXX ( XXXX ) XXXX and I called them back repeatedly to ask them the reason for their call. Thank you, for any help you can give in this matter.
Company Response:
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC is claiming that I owe them {$270.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: TX
Zip: 77016
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My husband died in XXXX. He never owned a mobile phone nor did he ever have an account with XXXX. I have moved since my husband 's death, hold title to my residence in my name alone and have a private telephone number in my name. I recently received a telephone call asking to speak to my deceased husband. I informed the caller of his death. The caller asked for a copy of his death certificate. I asked the caller who they were and what business they worked with. They replied, " ERC. '' Since I had never heard of this company I stated that I would not send a copy of his death certificate and discontinued the conversation. I then received a letter from ERC, dated XX/XX/XXXX, that stated that my husband owed XXXX {$1100.00} but that the account could be settled for {$780.00}. To my knowledge no Judgment has ever been entered against my dead husband. I am not aware of any attempt by XXXX to inform my deceased husband that he owed money on an account with them. The letter went on to state that objection to its content had to be submitted by the end of the month.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I keep getting harrassed to pay a debt to XXXX. Unfortunately the company doesnt even exist anymore. My debt was originally a little over 2 thousand because of some unauthorized activity was going on behind my back and i had all these open phone lines and active contracts and 4 years later it shows up on my credit report and now my debt is a little over 5 thousand. The accounts been closed for almost 5 years now so why and how is it so much money and why are they still asking for it when the company doesnt even exist anymore. A debt collector called and was harrassing me over it. Im not sure if i was being scammed or not but i was threatened that if i didnt pay it they were going to harm me financially and now its in my collections. Ive asked many times to leave me alone and they refused they would call me in the middle of the night at least 5 times. I jus need to know what i can do legally to take care of this.
Company Response:
State: CA
Zip: 95340
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I contacted the third-party collection agency I made an arrangement to settle what was owed but they still report me as derogatory on my credit report. I informed them that I was unhappy with that type of report could they please remove the derogatory statement and stop reporting it that way because I am trying to get a home and I cant because of the negative report and they denied me so I also said to them according to the fair credit report act I have a right not to have derogatory information in my report and they dismissed it
Company Response:
State: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Keep getting repeated phone calls from ERC out of XXXX, TN, phone # XXXX XXXX XXXX XXXX XXXX. I have blocked there number but they keep calling on different numbers. I have told them to remove my number but they say the do and start calling back the next day. I get at least 3 phone calls a day from this company. I have submitted my number to the do-not-call registry and they still call NON STOP at all hours of the day. They hang up the phone while I am mid sentence asking for more information about their company.
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I just turned XXXX last month.In an effort to and monitor my credit and protect it. I have been subjected to apparent ID Theft. I have contacted each collection who tries to collect this particular account with XXXX XXXX XXXX and each time the item is removed and then placed on my credit by another collection Co. Because XXXX XXXX XXXX is passing the collection on to various collection agencies. My plans are two file suit immediately. My personal information is being sold and passed along to various companies making the risk even greater for my ID Theft.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Enhanced recovery company is reporting A collection on my credit report that is passed the statue of limitations in my state. I would like this collection to be deleted from my credit report from all three credit bureaus XXXX XXXX XXXX has charged off the debt upon further research this account was transferred and I am no longer responsible for any debt to jpmcb card services. I would like XXXX XXXX XXXX To stop reporting this debt to the three credit Bureaus I would like for this charge off to be removed from my credit report of all three bureaus
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A