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

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 7096510

Date Received: 2023-06-09

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I began getting calls from Enhanced Recovery Company ( ERC ) maybe two or three years ago at this point. During one of the calls, I asked the agent to verify if the account belonged to me and he just hung up. The calls stopped and I didn't think much of it. Maybe 1 month ago, I got a call from ERC. The agent asked who he was talking to and I told him who I was and proceeded to move towards getting me to pay money for a bill he was trying to collect on. I was driving at the time and the call was dropped. I happen to check on my credit report for a different matter and see that ERC has reported the debt to the credit bureau 's. They have never validated the account with me or sent me anything in writing to do so. I'm willing to bet, there's been other complaints about this company but if not this is the information about them I could find on the web : XXXX XXXX XXXX, XXXX, FL XXXX XXXX

Company Response:

State: CA

Zip: 91744

Submitted Via: Web

Date Sent: 2023-06-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7095875

Date Received: 2023-06-09

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company Response:

State: TX

Zip: 756XX

Submitted Via: Web

Date Sent: 2023-06-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7092065

Date Received: 2023-06-08

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: This debt was already resolved and removed off my credit report I do not owe this debt by law they are harassing me this company every month they are keep trying to collect the debt and it was resolved and removed.

Company Response:

State: TN

Zip: 37130

Submitted Via: Web

Date Sent: 2023-06-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7084827

Date Received: 2023-06-07

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Upon reviewing my credit file, I discovered a concerning item that has raised significant concerns. My credit report shows a collection from your agency, and I want to express my deep distress as I was never notified about this matter. Additionally, I strongly believe that this debt is inaccurate. I am formally requesting that you provide me with the necessary validation for this debt.

Company Response:

State: IL

Zip: 60620

Submitted Via: Web

Date Sent: 2023-06-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7076331

Date Received: 2023-06-06

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: This company has continued to ingore my request for validating this account to now reporting inaccurate information to the credit bureaus.

Company Response:

State: MO

Zip: 64138

Submitted Via: Web

Date Sent: 2023-06-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7068789

Date Received: 2023-06-03

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I received an alert on my credit on XXXX XXXX by a company called XXXX XXXX management on behalf of XXXX XXXX XXXX I called & spoke with them & explained that my wallet had been stolen back in XXXX & that I did have an account with XXXXe that I had did a settlement for {$1200.00} & they asked me to mail proof & I did & the charge was deleted. Then on XX/XX/XXXX another company called XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported the same {$700.00} again. Ive been a victim of identity theft. If you check my credit report, you will see the charge was deleted

Company Response:

State: GA

Zip: 31210

Submitted Via: Web

Date Sent: 2023-06-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7068135

Date Received: 2023-06-04

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that ENHANCED RECOVERY had illegally posted an alleged collection account to my credit report. I have never heard of nor had an account with this company. My report shows that ENHANCED RECOVERY open account was opened on XX/XX/2023 with a balance of {$400.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. ENHANCED RECOVERY CO, XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX

Company Response:

State: FL

Zip: 322XX

Submitted Via: Web

Date Sent: 2023-06-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7064160

Date Received: 2023-06-02

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: This was originally falsely posted under credence resource as a debt, until I contacted them and their rep verified there was nothing under my name or phone number and I made him aware I believe I'm a victim of identity thefy/fraud and it definitely was not mine, and it was removed ... I thought, apparently they removed their name and now reposting this which is apparently some unknow named XXXX XXXX that they know is not mine still are allowed to falsely report it against me and it's not mine, under now Enhanced Recovery Co L ( Erc which I already reported on I'd theft report ), and so I called today XXXX XXXX after it just reappeared under a different name supposed XXXX, who knows, it's not mine regardless and they know it and the rep I talked to today XXXX XXXX admitted further there is nothing under my name or phone number yet they still intentionally report this false report damaging me, my name and my credit.She wouldnt give me XXXX phone or address and made exuses, but what's relevant is she like credence admitted they know it's not mine therefore this should be removed immediately and XXXX reported to FCC.Please remove all false and fraudulent statements immediately as the entities reporting false information intentional are fully responsible and liable.Thank you! Btw, clearly I don't have an account number because this is not mine, therefore I do not have an account.Due to the bad practices of XXXX bad debt collectors credence and now erc posting identical intentional false reports against my name they can not be trusted after both had reps that stated and confirmed what I already knew, that I do not owe them anything, and still they report false information against my credit report.Should never be allowed.Please remove all false and fraudulent reports asap and cease further false reports, I'm already going through being a victim of identity theft and I am NOT XXXX XXXX and all know it, so remove please immediately.Thank you!

Company Response:

State: TN

Zip: 37211

Submitted Via: Web

Date Sent: 2023-06-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7059336

Date Received: 2023-06-01

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: account is listed as open with past due with a balance of XXXX and in collection This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.

Company Response:

State: AL

Zip: 36701

Submitted Via: Web

Date Sent: 2023-06-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7057779

Date Received: 2023-06-01

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Received an email about a new collection added to my credit report I find out Enhanced Recovery Collections for s trying to collect on a false and fraudulent debt. I had previously told the prior debt collector listed in my account the same thing that this is not my debt. They sold it to ERC. I have been in contact with the original debtor listed T-Mobile and they could not find any records on this debt. Plus the debt is well past the federal statute of time limitations. They expect {$390.00} out of me but, will get {$0.00} for a fraudulent debt.

Company Response:

State: MO

Zip: 63368

Submitted Via: Web

Date Sent: 2023-06-01

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.