Date Received: 2018-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a complaint ( complaint number XXXX-XXXX ) on XXXX XXXX. They is listed on my credit report as a collection company and i have the right to ask them to validate the debt according to FDCPA and they didnt. ERC have been a collection company trying to ruin individuals lies by placing false accounts on consumers credit report.I have attached their response so the cfpb can see all the lies and non compliant incorrect information they attached to the last complaint. 1. ) They said they agency is not a debt purchaser but it clearly say on my credit report they is a collection company first violation 2. ) If they service the account their behalf they purchased the account and was paid by whoever to collect on it so another violation. 3. ) they said erc is in compliance which is not true because they collecting on a debt and they acting as if they is not. 4. ) they said the contract with be with XXXX and not them well XXXX should collect on it and not them when they placed that collectionaccount on my credit report they are collecting on it so another violation 5. ) I clearly stated i do not have an account with erc so they flipped the complaint around acting as if i need a fraud packet and i dont because i am correct i do not have an account listed with erc and they need to delete this incorrect information from my credit report i do not have an account with erc
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2018-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhancement Recovery Co is reporting a debt of {$470.00} on a debt previously removed due to an account in my ex spouses name reporting by another collection agency
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2018-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On or about XX/XX/XXXX, I received a debt collection letter from XXXX XXXX XXXX stating I owed them XXXX. I responded with a debt validation letter request sent on XX/XX/XXXX. In that validation letter I requested to see the original contract with my signature on it binding me to this debt. ERC did not respond by sending the original contract with my signature but instead with a bill that that appears to be fraudulent. I have used a red pen to specifically point out the inconsistencies in the bill received. The bill amounts, the fonts, dates, inconsistent information and formats are different from each other. I want ERC to be mindful that I reserve my rights to file charges and complaints with FTC and appropriate county, state and federal authorities if the documents received are willfully and deliberately misleading and false.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery is attempting to collect upon a fraudulent debt and listing the account illegally on my credit reports. They received correspondence from me via certified mail XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. They have refused to reply with validation and have broken 209 CMR 18.17 in that they are illegally reporting under their own name to the bureaus. This account needs to be immediately removed from my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-15
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: I recently requested a copy of my credit report and noticed that XXXX XXXX XXXX ( ERC ) is reporting a alleged closed account ( closed by them ) on my credit reports. The alleged account in question is a XXXX Account from 2015 which is past the Statue of Limitations ( SOL ) in the state of Missouri. XXXX XXXX XXXX ( ERC ) continues to harass me regarding this alleged account that again is pass the ( SOL ). This alone has put them in direct violation of the Fair Credit Reporting Act ( FCRA ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-13
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: ERC WENT ON MY CREDIT REPORTS AND KEEPS CALLING FAMILY MEMBERS.. CEASE AND DESIST COLLE CTIONS AND CEASE COMMUNICATIONS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2018-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was alerted through a credit monitoring agency that a new collection was placed on my credit report. I immediately looked to see what it was because I have not made any changes to my credit and found the collection agency name is ERC and original creditor is XXXX XXXX. It claims the open date is XX/XX/2018. The status is open and the last reported date is showing XX/XX/2018. The amount of the balance shows to be {$700.00} and it is placed for collections. I have not opened any account with this creditor and do not use this company and never will. I don't know if the company has made a mistake or if my identity was stolen but I can assure you I did not open this account and I want it removed immediately. It's amazing to me that in a 4 month time span without ever sending me a notice in the mail, a creditor can just place an account on my credit report for a collection I don't owe. It should be a criminal offense and come with a large fine and jail time for the CEO. I'm sure XXXX XXXX XXXX make enough money that they need to stop attempting to steal from a working middle class family.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called the debt collections agency XXXX XXXX XXXX to resolve this issue, because the debt is not mine. I told XXXX XXXX XXXX that the debt is not mine, but they will not remove the three debts originally two from XXXX dated XX/XX/XXXX for {$160.00}. The second is also from XXXX dated XX/XX/XXXX for {$690.00}. The third is from XXXX XXXX dated XX/XX/XXXX for {$590.00}. Three of which I have never had. Please help me remove the debt from my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had an account that was Paid in Full ERC .I have been shopping for a home in the last 6 months an I had an ERC ( XXXX XXXX XXXX ) XXXX account back in XX/XX/XXXX it was paid if full on XX/XX/XXXXand during that time, I was under the impress the account would be deleted from my credit profile. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have paid off all of my past dur accounts, and I look forward to buying a home this year. Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative PAID account from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Today ( XX/XX/2018 ) I received a call from ERC asking for XXXX XXXX. This is the first time they have called asking for this person. The calls have been going on for years now and I repeatedly keep asking them to remove me from their list but it continuously keeps happening. It may not be the same company each time since the numbers are always different and from different states occasionally. I am an XXXX XXXX military member and find it exceptionally aggravating getting calls throughout the day ongoing for several years now. Please help me remove my number forever since I am a XXXX and changing my phone number would be detrimental to achieving my XXXX mission.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A