Date Received: 2018-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Approx. XX/XX/XXXX I recieved a letter from ERC stating I owed over {$300.00} for a direct tv box that was not returned. This box was returned directly to an XXXX tech in XX/XX/XXXX. In XX/XX/XXXX, I confirmed with XXXX that this debt was not valid. I was told by an XXXX rep that the information would be in ERC 's system shortly and it was taken care of. Today, XX/XX/XXXX, I received a letter stating I owed them {$190.00} for the same issue. Again, I called XXXX and confirmed AGAIN that this debit was settled and the box was returned. I then called ERC. They claimed this was the first contact from them and att sent them the debt on XX/XX/XXXX. They claim they do now own this debt but are preparing to report the credit bureau in XX/XX/XXXX. I feel that I am being harassed by a less than honest debt collector. I have returned all equipment owned by XXXX and this has been confirmed TWICE by XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Sent to Regulator FTC XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action XXXX XXXX XX/XX/2018 Closed Company responded Account was closed by consumer for poor service!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2018-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I disputed on XX/XX/2018 with XXXX about an unverified account on my credit report from an unknown company named, ERC. The reply I received was the account was verified. I sent a second letter asking them how they verified a collection account that doesn't belong to me? Then, i sent a certified validation letter to ERC on XX/XX/2018 but I have yet to hear back from the company or XXXX. The FCRA gives them 30 days to respond. Still, no response.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: MO
Zip: 63122
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I mail letters to the three credit reporting agency 's regarding past due accounts over Seven years old.They send me letters stating the accounts will be remove from my credit report raising my credit score a little.On XX/XX/2018 this company named ERC- REF # XXXX ACCOUNT # XXXX Amount debt # XXXX. I'm disputing the validity of the debt in question. I don't recall any service from XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
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: On my credit report is a negative entry of a debt that is more than seven years old. The XXXX is more than seven years ago. The debt collector bought the debt and " re-aged '' the account. original creditor XXXX current creditor XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX amount XXXX dollars I asked XXXX to remove this entry and they did not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been receiving phone calls from company called ERC from the number XXXX. They called me asking me to pay money to a healthcare provider. They asked for my information without reading it to me first, such as my phone number and address. They asked if I could pay an amount owed and I said no. I was told that they would document my response and begin their " next step ''. This is not first time this number has called me attempting to get my information. Whenever I ask questions about the nature of the call, the person on the other line immediately hangs up. Their website is www.ercbpo.com
Company Response: Company disputes the facts presented in the complaint
State: GA
Zip: 31061
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/XXXX and XX/XX/XXXX I submitted a dispute via certified mail regarding an entry on my credit file and according to the FCRA a company has 30 days to prove validity with ( ie signed contract, not a bill as it does not validate. They have broke their contract by choosing not to provide proof
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX has been sending me a collection bill in the amount of {$750.00}. They have alleged that I owed XXXX XXXX XXXX that amount. They are claiming that this account was opened in XX/XX/2016. That is further from the truth because I have been a loyal customer of XXXX for many years and prior to XXXX, I was a loyal customer to XXXX. I have been going through this for years! These scavenger collectors illegally try to collect on a debt that I don't owe. They re-age this alleged debt and it pops up on my credit report. This is unacceptable!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The following account is fraudulent and needs to be deleted and blocked immediately from my XXXX credit report. XXXX XXXX XXXX Account # : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: THEY NEED TO VALIDATE THAT THIS DEBT IS MINES BY SHOWING PROOF THAT THEY OWNED THE DEBT HOW MUCH THEY PAID AND THEY NEED PROVIDE ME PROOF THAT THIS IS MINE WITH MY SIGNATURE AND CONTRACT. THEY HAVE FAILED TO PROVIDE PROOF I HAVE REQUESTED THEM TO STOP CALLING AND JUST HAVE EVERYTHING IN CORRESPONSE THEY HAVE FAILED
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2018-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A