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: 3191970

Date Received: 2019-03-26

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I recently reviewed my credit report and I keep coming across a collection from Erc for {$670.00}. I have no idea what this is for. I never received a notice of debt. I have tried disputing this several times with the credit bureau. They say It meets requirements and have not removed it. I sent a complaint to XXXX. I received a reply from ERC dated XX/XX/2018 which I will enclose. They advised it was sent back to them as not a correct address however they will obtain a validation and sent it to me. To date I have ZERO documents validating this debt! I have NO idea what it is for and it is affecting my credit. Either send me a validation of this debt or have them remove it asap. I'm at the end if my rope as I'm running out if options. If it is my debt then I owe it but I need proof as I do not recall ever having an account with XXXX. I refuse to pay for something that is not my debt. Please help any way you can. Thank you

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

State: AZ

Zip: 85388

Submitted Via: Web

Date Sent: 2019-03-26

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3191749

Date Received: 2019-03-26

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: I am writing to provide a complaint that was created on my credit file on behalf of Enhanced Recovery, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by Enhance Recovery. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. Enhanced Recovery re-aged this account to appear as a new debt rather then owned by a new creditor. Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

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

State: FL

Zip: 33179

Submitted Via: Web

Date Sent: 2019-04-01

Company Response to Consumer: Closed with explanation

Timely Response: No

Consumer Disputed: N/A


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Complaint ID: 3190726

Date Received: 2019-03-25

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: XXXX XXXX and Enhanced Recovery Company have both simultaneously reported the same collection of {$290.00} from XXXX on my credit report. They have both been disputed for inaccuracy in reporting and never having given notification of the debt in the first place, and I have had the collection removed from my accounts multiple times : Per XXXX XXXX : In XXXX of XXXX XXXX XXXX was removed from my XXXX report In XXXX of XXXX Enhanced Recovery Company was removed from my XXXX report In XXXX of XXXX the same collection from Enhanced Recovery Company was removed from my XXXX report At a date unknown the same collection from XXXX XXXX was removed from my XXXX Credit report In XXXX a dispute was filed with XXXX against the collection from Diversified Consultants. Per Experian, the debt was removed by XXXX XXXX. In XXXX of XXXX, the debt was added to my XXXX credit report by Enhanced Recovery Company, 3 years after it had been removed from XXXX twice, XXXX once, and removed from XXXX voluntarily. I have been making a concerted effort to repair my credit. I believe XXXX XXXX has been monitoring my credit. It is my honest opinion that XXXX XXXX has maliciously re-inserted this debt, after it has previously been removed several times under dispute, in an attempt to damage my credit.

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

State: FL

Zip: 32771

Submitted Via: Web

Date Sent: 2019-03-25

Company Response to Consumer: Closed with explanation

Timely Response: No

Consumer Disputed: N/A


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Complaint ID: 3190598

Date Received: 2019-03-25

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: Received a call from a XXXX collector whom verified my XXXX address, told me XXXX is not a closed border state when it is. Continued collection efforts. XXXX falsely verified they can proceed collection efforts in a closed border state of which they don't carry a license to collect. Mailed debt validation to my XXXX address.

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

State: CO

Zip: 80021

Submitted Via: Web

Date Sent: 2019-03-25

Company Response to Consumer: Closed with explanation

Timely Response: No

Consumer Disputed: N/A


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Complaint ID: 3190035

Date Received: 2019-03-25

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION ) ENHANCED RECOVERY XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : Your office has contacted me about a debt you claim I owe but which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I do not believe I owe, and to request that you validate it by providing the documentation and information requested below. This is not a refusal to pay, but a lawful notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ) that your claim is disputed, and validation is requested. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Accordingly, please provide me with the following : 1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents with my wet ink signature, that prove without a doubt I agreed to pay what you say I owe ; 4. Identify the original creditor, the original date of the account and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process. I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I know that because I have disputed this debt in writing within 30 days of the date of your bill, you must obtain verification of the debt against me and mail these items to me at your expense. Additionally, you can not add interest or fees except those allowed by the original contract or state law. While you are not required to respond to this dispute, any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act. Also, be advised that I am keeping very accurate records of all correspondence from you and your company, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Therefore, if you have already reported this debt to any credit-reporting agency, such as XXXX, XXXX or XXXX, then you must immediately inform them of my dispute with this debt. Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws. Thank you for your cooperation, XXXX XXXX ; XXXX All rights reserved

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

State: PA

Zip: 19148

Submitted Via: Web

Date Sent: 2019-03-25

Company Response to Consumer: Closed with explanation

Timely Response: No

Consumer Disputed: N/A


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Complaint ID: 3189789

Date Received: 2019-03-25

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: In XX/XX/XXXX I became a member of XXXX XXXX and on XX/XX/XXXX I noticed there was an unusual debt collection from a non-familiar company called XXXX XXXX on behalf of XXXX XXXX, I disputed the charge thru XXXX on the same day on XX/XX/XXXX and they completed their investigation on XX/XX/XXXX removing it from my credit report so I thought all was settled since they ruled it a fraudulent charge, then on XXXX of XXXX they send me a letter on the mail from another collection company called ERC on behalf of XXXX XXXX XXXX XXXX and on XX/XX/XXXX I responded to their letter stating that their collection did not belonged to me because I never had any equipment or services installed in my house and the last name on the account is not mine but that was not enough they sent me another letter directly from the XXXX, ID protection team requesting an affidavit for identity theft, a police report and copies of my identification and my signature which I was not too comfortable on doing since I thought they could fake a contract and use my documents but I did it anyways, so I thought that was going to clear everything since they could now see that my last name did not match the one on the account but to my surprise they sent me another letter on XX/XX/XXXX saying that this was the second and final notice to submit my claim of identity theft asking for the same documentation, I decided not to respond to this last letter and instead I decided to report this fraudulent charges to you, please help me in resolving this matter since I am not willing to pay for something I am not responsible for, thank you

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

State: CA

Zip: 90650

Submitted Via: Web

Date Sent: 2019-03-25

Company Response to Consumer: Closed with explanation

Timely Response: No

Consumer Disputed: N/A


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Complaint ID: 3188785

Date Received: 2019-03-23

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: Enhanced recovery for XXXX. XX/XX/16 {$1500.00}. I was XXXX when this was opened so it has to be identified theft. Ive never been a XXXX customer. Every.

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

State: KY

Zip: XXXXX

Submitted Via: Web

Date Sent: 2019-03-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3187990

Date Received: 2019-03-22

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: On XX/XX/XXXX i received notification that I had a new collection account on my credit report. The collection was placed by credit collection company, Enhanced Recovery Company , LLC ( ERC ). I've never received any communication from this company about the alleged debt. A few days later, I called them to find out what the debt was and from when. I was told it was a sprint account, which appeared to have been opened in XXXX. I proceeded to tell the representative that her information was incorrect as I had notified XXXX in XXXX that I did not open this account and someone probably stole my identity/information and opened this account under my name. That I provided XXXX with a bunch of paperwork and affidavits. I never heard back from them. So I assumed the matter was resolved. Now 6 years later, ERC placed a collection account on my credit report. This should have never happened because I told XXXX it was fraud when I first found out about this and not to mention, they are outside of the statute of limitations. The rep said he would notate the account/put red flag on it and notify sprint. I also opened a dispute with one of the credit agencies, XXXX. Per the results on XX/XX/XXXX, ERC has agreed to delete the collection from my credit report. Sadly on the same day, the collection account was reported to XXXX and XXXX. Needless to say I am frustrated at this point and wants this resolved because I am trying to rebuild my credit and this is causing an issue.

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

State: FL

Zip: 33713

Submitted Via: Web

Date Sent: 2019-03-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3187921

Date Received: 2019-03-22

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: I called Enhanced Recovery trying to pay off a debt. I received a email with a settlement amount. I purchased a money order for the amount I was told to make it for. I was told by the Agent to send it immediately so it could be there by XX/XX/XXXX. I did as I was instructed. The following week I called and was told by XXXX XXXX that my Money Order was denied for " Insufficient Funds ''. He said it was mailed back to me but he didnt know when. I've never recieved the Money Order back. I contacted XXXX XXXX and they said it was cashed on XX/XX/XXXX. My money order is cashed and the debt is still on my credit report. I made a copy of the Money order before I sent it. I also read the reviews about this company, and it seems they have done this to ALOT of people.

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers

State: MO

Zip: XXXXX

Submitted Via: Web

Date Sent: 2019-03-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3181211

Date Received: 2019-03-15

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: ERC collection agency removed a debt from XXXX XXXX XXXX and then reported it again as new. The 7 years would be this year and it would have automatically been removed. Now it started all over. XXXX XXXX XXXX said they didn't receive their equipment but I mailed it back and I was told by a customer service rep that this happens all the time.

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

State: FL

Zip: 32218

Submitted Via: Web

Date Sent: 2019-03-15

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.