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: 3252402

Date Received: 2019-05-24

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: Enhanced Recoveryis reporting a debt for {$970.00} in 2018. I am a victim of identity theft. I do not have an agreement with this company and I do not owe this creditor.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: FL

Zip: 33063

Submitted Via: Web

Date Sent: 2019-05-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3252109

Date Received: 2019-05-23

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: Enhanced Recovery account # XXXX is incorrectly reporting my account. This account is paid and is also past the statute of limitations. This debt should not be on my credit and should be removed.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: UT

Zip: 84119

Submitted Via: Web

Date Sent: 2019-05-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3251965

Date Received: 2019-05-23

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: A lady called me XX/XX/2019 at XXXX saying " this is a recorded line, is XXXX XXXX there '' and I asked who was called and she said ERC . I asked what is was for and she said there was a few things in her office she would like to resolve with XXXX. I told her I am his wife and what was it that she was calling about. She then said she could only tell my husband. I told her that this was not his phone number it was mine. I gave her his phone number and she asked when the best available time to call was. I said evening. So she didn't tell me much about the company or why she was calling. It was very suspicious to me. This is the second time they have called me from 2 different numbers. First time I got a voicemail from a lady named XXXX it was on XXXX XXXX at XXXX asking for my husband and then they hung up realizing they were on voicemai. The first number they used was XXXX. The second attempt to call was from a different number ( XXXX ) XXXX.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 78727

Submitted Via: Web

Date Sent: 2019-05-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3251911

Date Received: 2019-05-23

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: enhanced recovery CO. LLC XXXX XXXX XXXX. XXXX, FL XXXX. I contacted this company with a second written request requesting original creditors documentation, I do not believe this information is mine or correct. I have never had XXXX phone service! They have not provided me a copy of any original contract with my signature attached. I am requesting all information be removed from XXXX and XXXX. Again, I have never requested XXXX or had their services. thanks, XXXX

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NJ

Zip: 08876

Submitted Via: Web

Date Sent: 2019-05-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3251892

Date Received: 2019-05-23

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: The company is trying to collect on a debt from XXXX XXXX. The account in question was terminated years ago due to the service being extremely poor and not being able to make calls in my area or really have in service at all. XXXX was communicated with several times to fix the issue and it went on for months and they still didn't fix it. I had no choice but to end my service I wasn't able to use my phone without calls dropping. I told them if they didn't fix the issue that I would be terminating my contract. Now they are trying to collect on early termination fees and for a service I couldn't use. This isn't fair and I would like this off my credit immediately. I am searching my emails to find the old chats between me and customer service filled with complaints for the horrible service.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: GA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2019-05-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3251574

Date Received: 2019-05-23

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Enhanced Recovery Collections is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: WA

Zip: 98662

Submitted Via: Web

Date Sent: 2019-05-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3251444

Date Received: 2019-05-23

Issue: Incorrect information on your report

Subissue: Old information reappears or never goes away

Consumer Complaint: Well over 2 yrs. ago a suspicious account appeared on my credit report from a collection agency, known as Enhanced Recovery. In the space listed as original creditor, it specified that it was a XXXX account. Well aware that I have never had an account through them because I have always had XXXX XXXX and before them was XXXX XXXX, I disputed this information and it was determined that it was not mine and was erased from my credit report back in XXXX. Also, I had never received any calls, mail, or notifications from neither XXXX or this agency regarding this supposed debt, which I found to be extremely unusual. Now, as of about 5 months ago I received my monthly credit updates from my XXXX & had noticed my score had decreased & there was a new account placed on my credit file. When I logged into my account, to my surprise, I saw that it was this same collection agency referred to as Enhanced Recovery, however I noticed something was different this time. This agency had decided to fraudulently violate the Fair Credit Reporting Act by illegally re-aging this supposed account, thus stating that it was opened in XXXX, so it could place this debt back on my credit report to lengthen it's collection efforts & intentionally hurt my credit, along with my score. Also, still to this very day, I have yet to receive any communication about this debt from anyone!!!! I find it extremely unnerving that this agency has been allowed to get away with commiting so many frivolous acts. We as individuals have rights, & if the necessary steps are not taken by this company to correct their unfair practices & start obeying the law, then maybe major lawsuit against them is the next best thing to make sure that they are held liable for their actions.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: OH

Zip: 441XX

Submitted Via: Web

Date Sent: 2019-05-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3249799

Date Received: 2019-05-22

Issue: Incorrect information on your report

Subissue: Personal information incorrect

Consumer Complaint: XXXX XXXX XXXX debt amount is XXXX account # XXXX opened on XX/XX/XXXX and Enhanced Recovery amount XXXX the account number # XXXX this was opened in XX/XX/XXXX

Company Response: Company believes it acted appropriately as authorized by contract or law

State: FL

Zip: 32207

Submitted Via: Web

Date Sent: 2019-05-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3249467

Date Received: 2019-05-21

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have no knowledge of this credit debt. This debt is not mine and I run multiple business and my credit is very important to me. This debt is drastically impacting my credit score and I need this fixed.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: GA

Zip: 30044

Submitted Via: Web

Date Sent: 2019-05-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3248722

Date Received: 2019-05-21

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: In XX/XX/XXXX I contacted by phone XXXX XXXX XXXX XXXX to setup Internet for my apartment. In exchange for agreeing to one year contract to keep the Internet service the company agree to price lock of two year and give me a tablet computer with 100 mb of data per month. In XX/XX/XXXX I move to a place where I had a choice of Internet providers and I returned all of the equipment that the company requested me to return and paid the finial bill and closed the account with no money due. Now XXXX XXXX XXXX has turned over my account to and ERC account number XXXX phone number XXXX. XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. Since all terms of the original agreement has been satisfied I consider any attempt to collect on a debt to be fraudulent on the part of this company. The company has placed a mark on my credit report and I would like this removed and the company clear this fraud immediately. Thanks, XXXX XXXX

Company Response: Company believes it acted appropriately as authorized by contract or law

State: FL

Zip: 33186

Submitted Via: Web

Date Sent: 2019-05-21

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.