Date Received: 2018-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Companie name ERC Account Number XXXX balance {$300.00} Date opened XX/XX/2014 I do not remember opening any account the last 7 years and I am not getting any information about the collection and affecting my scour can you please help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2018-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XXXX Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX. I was contacted by the collection Agency for XXXX XXXX ERC for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with ERC and was told that XXXX Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. XXXX Bank is not reporting accurately even after making my settlement amount. ERC has collected the whole settled amount for XXXX Bank but XXXX Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with XXXX Bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a recorded message saying that a party had filed charges against me and I had to call them back immediately. When I called they would not tell me who the party was or what the charges were and they told me to call another number. When I called the second number, they brought up an old phone bill from roughly 12 years ago. The original debt was with XXXX. I asked them what they were talking about, how could they threaten to arrest me over a 12 year old debt. I told them it was beyond the statue of limitations and I did not even think their conduct was legal. They laughed at me and hung up. That debt soon appeared on my credit report as if it was a new debt. I tried to dispute it, but XXXX verified that it belonged to the company that had contacted me and told me I was going to be arrested. The company 's name is ERC. They are located in XXXX, Fla. The number is XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX is claiming I owe them {$270.00}. I have had this removed from my credit report several times already. I spoke to a lady at XXXX fraud office. She said they were investigating lots of false accounts and she was sure I was being falsely charged being I have never had XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 795XX
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I did not receive a notice to dispute letter. I am unaware of this account/debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93010
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ERC ( www.ercbpo.com ) is trying to collect a debt that was paid a year and a half ago. When closing a XXXX account, I paid the final due of {$110.00} directly to XXXX, but then I started receiving letters from ERC trying to collect the debt. ERC has an account number for me : XXXX. Nothing I could do worked at all : writing to them, calling them, disputing through credit agencies, so now I'm writing you. This is seriously affecting my credit score, and I'm tempted to pay the fraudulent {$110.00}, but I want to check with you first. Is there anything that you can do to help, or notify them of your awareness and that they should remove the fraudulent debt? What should I do? Thank you, -XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Not liable for debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX had placed a collection account on my credit report on XX/XX/XXXX for XXXX I paid a contract off with them and closed my account someone who used to be in my household set up a new account or fraudulently opened my old ones back up but I have never authorized or signed for a new contract with XXXX. This needs to be removed from my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-19
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I have been reviewing my credit file and upon receipt of my updated XXXX, XXXX and XXXX I noticed there is an account that I am not familiar with, that has not been validated. After further investigation and entering the companies information in the North Carolina Department of Insurance database, I realized that the company named ERC is not licensed to act as a collection agency in the state of North Carolina which is where I reside and have resided the majority of my life. Information is updated as of XX/XX/2018.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28147
Submitted Via: Web
Date Sent: 2018-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I got a debt collection this past week, i dont know where it comes from or how to contact the company. I checked it and seems like comes from XXXX but i had never own that company
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78504
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A