Date Received: 2018-01-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Erc Bought an old debt from XXXX that was past the statue of limitations to collect then reported that it was opened new on XXXX of 2016 this debt is over 7.5 years it was sold to erc which has not verified debt and they are reporting a new open date with different amount owned sent a certified letter to this collection account to verifie debt and it was sent back they will not verifiy the correct date or amount and keep reporting it to credit bureas as an open account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 61103
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I was contacted by this company who would only till me they were from ERC. I asked what this was about the guy refused to tell me. I told him to not call this number as it is a cell phone. I don't have any business with you and you do not have my permission to call. They called several more times after that one time being a lady who said sorry and hung up. I have only had this number for 6 months. I have never received anything from this company concerning a XXXX debt I know nothing about. This account was previously disputed though XXXX XXXX XXXX and found to be unverifable.
Company Response: Company believes complaint is the result of an isolated error
State: IL
Zip: 60505
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I reached out to ERC about my account in the amount of about {$1400.00} for an old phone bill I had for someone. I attempted to get a written payment arrangement so I could try to settle this account. The gentleman refused to give me a written payment arrangement and told me to contact them when I have money which was very unprofessional. He said that his company doesn't do payment arrangements.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2018-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On or around XX/XX/2016 I was involved in an accident was XXXX. Once I was able I immediately contacted XXXX XXXX XXXX in an effort to return their equipment. I was advised that I was " too late '' as 15 days has now passed. I explained the situation and still want to return the equipment, but they refuse to speak further with me and instead are poisoning my credit report. I do no owe XXXX XXXX XXXX and now they have turned me over to a debt collection company called XXXX XXXX XXXX that is poisoning my credit report and causing me damage in obtaining favorable credit terms and emotional distress. I have obtained XXXX XXXX XXXX XXXX on an unrelated matter, but they have advised me they will step in if my efforts to get this taken care of in a voluntary manner fail. Along with this complaint I am filing a Complaint with my State 's Attorney General and have been told I have a cause of action under the Arkansas Deceptive Trade Practices Act. However the most disturbing is that I want to invoke the arbitration clause in XXXX XXXX XXXX XXXX contract and they refuse to send me a copy of my contract. I have been assured by XXXX XXXX they can compel the production and then I will immediately arbitrate against XXXX XXXX XXXX and their collection agency. Please help me get this resolved. Thank You!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2018-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I sent a U.S Postal Service Certified Mail Receipt XXXX to ERC which was received on XX/XX/XXXX. I asked ERC to verify that the debt that was placed on my XXXX credit report under account XXXX for the amount of XXXX. In the letter it asked for them to provide me several items which they failed to do. The only thing that ERC sent was a bill that did not validate that I owe. I also did a search on the Texas Secretary of State website for ERC XXXX XXXX XXXX XXXX, FL XXXX and no results came back for this company address to collect a debt in the State of Texas. I would like for the company to provide me proof that they can collect on this debt and to provide me an agreement with ERC that authorize then to collect on this alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2018-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Company ERC XXXX XXXX XXXX has an account under collections that i did not know about until i checked my credit report. Im not sure how long it has been there. The account was dropped from my XXXX recently but not dropped from my XXXX and XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2018-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: It was a account thats was no longer in use because my brother had XXXX XXXX but they continue to charge
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid the debt of {$150.00} ERC collection company for XXXXXXXX XXXX XXXX of 2018. When i paid the debt i ask could it be taking off my credit report. the young man i spoke with said it would come off in 45 days. It came off as promised, then they put it back on as Paid. this is an unfair credit act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2018-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX continues to assign an account to collection agencies that I do not owe. I contacted the last agency XXXX XXXX and told them this account is disputed because the service is still active and has never become delinquent. XXXX was handling the billing for XXXX XXXX and that billing was transferred back to XXXX XXXX. The XXXX XXXX account is currently active and has been for over 8 years. There is apparently some transfer of funds issue that occurred between the 2 large companies but the account has never been past due. Currently ERC is attempting to collect this debt. I thought it was closed back in XXXX of 2017 when I contacted XXXX XXXX and explained the internal billing error between these companies. My next course of action will be to file a lawsuit aginst all parties involved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85259
Submitted Via: Web
Date Sent: 2018-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX/XXXX/2014, I see that a debt of {$210.00} was added to my credit report for a XXXX XXXX bill that was not paid. I have never had XXXX XXXX before and have contacted the company to let them know and they insist its my bill. I have only ever had XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43201
Submitted Via: Web
Date Sent: 2018-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A