Date Received: 2019-02-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call me daily at all hours from different numbers after i told them not to contact me and that i will get to them when im financially able to and that i have verified the dept they are trying to collect is real i still get calls from them they have started calling every other day but still wont stop they are called ERC but they wont tell me what it stands for and when they call they just give me the name of the person i am talking to and demand to know if it is me i have told them i will block their numbers the lady just laughed and said good luck amd now they continue to call from different numbers XXXX at XXXX XX/XX/19, XXXX XX/XX/19, XXXX XX/XX/19 XXXX at XXXX XX/XX/19 and XXXX XX/XX/19 and they called me 15 times in XXXX and XX/XX/XXXX that i didnt record.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98444
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive a call daily from XXXX XXXX XXXX. They are calling me at work, and can not have personal calls at work, do not answer calls that come in from XXXX 's number.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX {$220.00} There is no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello I am filling another complain on this debt that already been close by another agency account number XXXX it was close by the CFPB on XXXX18 at the time the agency was XXXX XXXX XXXX. And as of XX/XX/XXXX it was reported on my credit again by another company by the name of. XXXX XXXX XXXX XXXX for the same amount which is {$2800.00} there Address is XXXX. XXXX XXXX XXXX, FL XXXX. Tel.XXXX and its also saying Bureau name is XXXX XXXX XXXX this is a new company from the first on that it was close under so I am asking again please to let them know its not me thanks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I don't know what this debt is for. I disputed it through XXXX XXXX but didn't receive any details back as to what the debt is for ; just that they say it's valid. Aren't they legally supposed to send me a validation letter explaining the debt since I have disputed it? I called on XX/XX/XXXX to find out more and the rep said it was given to them XXXX of XXXX and was passed onto them from another collection agency. That is was for an account opened back in XXXX. She could not tell me exactly what the amount was for, and I don't recall. I don't have a record of receiving any letter from ERC or another company regarding this debt. Also, isn't this past the statute of limitations per the Fair Debt Collection Practices Act?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: From XX/XX/XXXX to XX/XX/XXXX I was assigned to the XXXX XXXX XXXX XXXX ( XXXX ) - XXXX. During the time I was stationed in XXXX and lived in the Barracks I established an account with with XXXX and XXXX XXXX XXXX on U.S. Property. I received orders for reassignment to XXXX - XXXX XXXX in XXXX, XXXX in order to deploy to XXXX. The XXXX XXXX XXXX XXXX Community Center drafted and submitted an official letter to XXXX notifying them that I was placed on orders and will be terminating the agreement. In XXXX I began receiving collection notices and phone calls from several collection companies over the years as the debt was continually transferred from one US debt collection company to another. The debt does not belong to me because XXXX was notified that their services was no longer required but it appears that long after I was to XXXX and XXXX to XXXX, they continued to bill me for several years despite not using their service or even being in the country in which the service was established.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed an collection account with XXXX 2 months ago for an account that is not mines and they failed to investigate and delete.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/, 2018 I had a fraudulent collection removed from my credit reports from XXXX XXXX XXXX. I have now discovered a collection agency XXXX XXXX has placed the same collection back on my credit reports. This debt is NOT mine and was removed, XXXX XXXX is in violation of the FDCRA by using illegal tactics to attempt to collect on unverified accounts that they do not own and was NOT assigned to them
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2019-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The ERC company ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ) sent me a mail to collect a debt I didn't owe to XXXX XXXX XXXX company on XX/XX/2019. The amount due is {$180.00}. I or any of my family have never use any XXXX XXXX XXXX products. I sent a dispute mail to them on XX/XX/2019 and waiting for their response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2019-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: On XX/XX/XXXX I contacted XXXX XXXX about a debt on my credit report. I didn't think the debt was accurate or even mine but I needed the collection removed from my credit report. During the conversation I was told if I just paid it they would delete it from my credit report in 45 days. I was told this multiple times. I decided to pay the debt for this reason. I have since called XXXX XXXX multiple times and now I am told that they will not remove the paid collection from my credit report. I feel like I have been lied to so many times by this company to have me pay a debt. The last time I spoke with this company was XX/XX/XXXX. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A