Date Received: 2018-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I nevered set up this account. Not sure who setup the account in my name ; but I was no longer living at the address because I was going through a divorce and moved out.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2018-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have disputed this item before and they took it off, now they have placed the item back on my credit profile, I have know knowledge of the said account. I was a victim of ID thief and the company has been made aware of it several times.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my XXXX report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A few months again I asked enhanced recovery to verify these are indeed my 2 cell phone bills. I still have n't received anything. They wanted to collect money! I told them I do n't recognize this debt or owe any money to this creditor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46806
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company has filed a derogatory mark against my credit for a charge with no basis and without ever contacting me. This was done with malice and negligence. Another company had contacted me regarding the same charge and, after discussing it with them, they stated that it was settled. ERC clearly made little or no attempt to contact me. Nor did they perform due diligence on verifying the charge. The mark against my credit appeared on XXXX/XXXX/18. The amount supposedly owed was {$350.00} for cancelling XXXX XXXX ( I did not cancel XXXX XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: For some years now this has been popping up on my credit reports. Have disputed in the past because my sister whose name is XXXX XXXX has on multiple instances taking my identity and used it to get bills like gas electric water and cable wherever she would be staying. I thought I had this taken care of 2 years ago but it popped back up 6 months ago. Now it is time that we are looking for a home and I I just called and paid XXXX XXXX to there collections department. Not too ERC group. I have contacted all letting everyone know that this was my sister taking my identity. I did not go as far as getting a judgment against her for taking my identity I have just been paying for it. Like I said I paid for it on XXXX XXXX 2018 direct to XXXX collections department. I would like this removed from my reports as soon as possible. Thanks XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX I WAS CONTACTED BY A DEBT COLLECTOR by mail FOR following accounts XXXX** XXXX** XXXX** DEBTS I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT I am citizen of the unites states of age, would like to make a complaint against operating credit debt collection agency XXXX XXXX XXXX who apparently does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the (FCRA) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615(f), 623(a)(6).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a copy of a XXXX phone bill in the mail via XXXX XXXX XXXX which stated that I owe an alleged debt in the amount of {$630.00}. ERC stated that the phone bill was a " validation of debt '' letter mailed to me in response to a dispute that I initiated with credit bureaus. A copy of a bill is a not validation of debt, under the FCRA I have the right request a contract from the original creditor that states I owe ERC this alleged debt. Account number : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC is reporting I owe XXXX XXXX I have never had XXXX XXXX this is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 1. XXXX XXXX {$580.00} 2. ERC {$560.00} I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that creditors and credit bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of the alleged items specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all credit bureaus who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. This letter is an affidavit and dispute of the incorrect information that you are reporting on my credit file. If you continue us to place incorrect information on my credit report without my consent I will be forced to take legal actions towards your company and you will be faced with charges for the damages you have caused on my life and my credit file. I have all recorded calls, emails, certified documents, and the threatening phone calls your company made. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A