ERC


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"Products" offered by ERC with at least one, but usually more complaints:

Bank account or service - Other bank product/service
Checking or savings account - Checking account
Consumer Loan - Installment loan
Consumer Loan - Vehicle loan
Credit card -
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Money transfer, virtual currency, or money service - Debt settlement
Mortgage - Other mortgage
Other financial service - Debt settlement
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Prepaid card - General purpose card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 2722182

Date Received: 2017-11-06

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I checked my credit report an noticed I had a new collections account that I had no knowledge of and it bringing my score down. I sent a debt validation letter on XXXX XXXX, 2017 and did not receive a response.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: IL

Zip: 60827

Submitted Via: Web

Date Sent: 2017-11-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2721870

Date Received: 2017-11-06

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: ERC states that I do not have an account with them, but yet they are the ones reporting bad information on my credit report. If I do not have an account with you you should not be reporting your name on my credit report. Your statement says I owe XXXX but that is not what is reporting on my credit report. I DEMAND YOU REMOVE ALL NEGATIVE INFORMATION from my credit file. I do NOT have a signed contract nor any contract with ERC. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collection. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these account.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: GA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2017-11-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2721250

Date Received: 2017-11-06

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compaint : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : XXXX XXXX XXXX XXXX account dates are : XXXX for {$160.00} ( account # XXXX ). This amount is incorrect. I am requesting that the item be removed. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company Response: Company believes it acted appropriately as authorized by contract or law

State: MD

Zip: 21208

Submitted Via: Web

Date Sent: 2017-11-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2720986

Date Received: 2017-11-05

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: To Whom It May Concern, I am writing you today and attaching this to my credit dispute. I had a bill that went to collections that I paid immediately because an apartment I was attempting to get with my wife, found it on my credit report. It is from the Agency Client ERC Account ending in XXXX. I never once was given a final bill calling for the {$100.00} that I owed them as well as a overdue note or notice of delinquency. If I would have known to dispute this before I paid it I would have, unfortunately I did have to pay it off as well in order to get the apartment itself. Thank you so much. Sincerely, XXXX XXXX I wrote this dispute letter to XXXX and submitted the dispute on X/XX/2017 and have yet still not received any information or resolution. I was told it would be ready in XX/XX/XXXX, I have checked it every month waiting for an update, but there is none. As far as my understanding they have no more than 45 days to finalize the dispute. The only reason I knew that I owed the {$100.00} was the call from the collections company, never a final bill from XXXX themselves. I paid the balance immediately hoping it would resolve everything, unknowingly it would actually stay on my credit report and continue to hurt me.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: OH

Zip: 43209

Submitted Via: Web

Date Sent: 2017-11-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2720844

Date Received: 2017-11-04

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have attempted to contact the company to get this removed with no success..

Company Response: Company believes it acted appropriately as authorized by contract or law

State: LA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2017-11-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2720628

Date Received: 2017-11-04

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: Debt not validated I contacted ERC to have them validate an unknown credit collection account ( XXXX # XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor

Company Response: Company believes it acted appropriately as authorized by contract or law

State: GA

Zip: 31907

Submitted Via: Web

Date Sent: 2017-11-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2720598

Date Received: 2017-11-04

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: I keep getting calls from ERC ( XXXX ) asking for someone like XXXX XXXX ( the name is unusual. ) I have told them I am not associated with any such person, have never known anyone with such a name and to please disassociate my number from her overdue account. They apologize, say they will remove my number from her account, and then call me again the following month!

Company Response: Company believes it acted appropriately as authorized by contract or law

State: KS

Zip: 671XX

Submitted Via: Web

Date Sent: 2017-11-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2720571

Date Received: 2017-11-04

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: in 2016, i went to XXXX XXXX and open a XXXX account. Right after i got home, my wife told me to return it since she already open a second line for me under her plan. I returned the same day to XXXX XXXX and returned my phone plus cancel contract. I was told by XXXX XXXX, I had 7 days to change my mind and return the phone which i did. Now, comes to find out, several years later, i got a collection notice and account reported in all credit bureaus that i owed XXXX {$890.00}. They sold a fraudulent account to a collection company. I went back to XXXX XXXX and dispute with them. They said that they have cancelled my contract and that my account should have never existed with XXXX. I did not even have my phone or account with XXXX for even 24 hrs. XXXX XXXX reassured me they will take care of it. I have disputed that this is not a valid debt to the collection company but still got denied. My english is limited and I feel XXXX took advantage of it and never cancelled my account which i took back within the same day. Please help me as I have been denied credits and humiliation from this.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: MI

Zip: 48906

Submitted Via: Web

Date Sent: 2017-11-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2720562

Date Received: 2017-11-04

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: XXXX XXXX XXXX SENT A LETTER TO MY HOME WITH MY NAME & ADDRESS TO COLLECT A DEBT NOT OWE BY MYSELF! I THEN TOLD THEM DO NOT SEND ME ANY DEBT THAT I DO NOT OWE PERIOD! FOR A HOME THAT IS NOT MINE WITH THIER XXXX EQUIPMENT AND DO NOT USE MY NAME OR ADDRESS. XXXX XXXX XXXX, XXXX. I FILED 2 COMPLAINTS WITH FLORIDA OFFICE OF FINANCIAL REGULATION WITH ENHANCED RECOVERY CO XXXX COMPLAINT # XXXX. THAT COMPLAINT WAS 6 TELEPHONE CALLS TO MY TELEPHONE NUMBER XXXX WHICH ONE WAS @ XXXX AND SIX DIFFERENT INDIVIDUALS ON THE PHONE NOT IDENTIFYING WHO THEY WERE AND WHAT COMPANY THEY REPRESENT FROM XXXX FLORIDA WHICH I SOON FOUND OUT IT WAS ENHANCED RECOVERY CO USING A FALSE NAME AS XXXX THEN XXXX/XXXX/XXXX ERC SENT ME A LETTER TO MY HOME WITH A FORGED SIGNATURE OF MY NAME PRINTED AND ANOTHER ADDRESS AS TO WHERE XXXX PUT THERE EQUIPMENT AT WHICH IS NOT MY ADDRESS I CARRY XXXX XXXX SINCE XXXX AND NEVER HAD XXXX @ XXXX XXXX XXXX WS FL XXXX. ALL PARTIES USING MY NAME, MY PHONE AND MY ADDRESS FOR FLAT OUT FRAUD WILL HAVE TO ANSWER! XXXX SHOULD HAVE TAKEN PROPER ID WHEN CONTRACTING WITH ANY INDIVIDUAL WITH THE CORRECT ADDRESS NAME OF THE PERSON THAT THEY ARE DOING BUSINESS WITH. I DID TELEPHONE THEM AND TOLD THEM THAT INITIALLY XXXX XXXX AND XXXX/XXXX/XXXX WITH ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX, FL XXXX.

Company Response: Company believes the complaint is the result of a misunderstanding

State: FL

Zip: 32708

Submitted Via: Web

Date Sent: 2017-11-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 2718223

Date Received: 2017-11-01

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: ERC is collecting for XXXX XXXX / XXXX. I had issues with their service. They did not provide the speeds they promised for the internet and the other services were unreliable. I complained and complained but nothing happened. I came to the end of the contract and I paid my bill. They claimed that I did not pay the final bill and that I did not turn in the equipment. With constant follow up and documentation I guided them to find their " missing '' equipment that was n't missing at all. I should be at zero with this vendor. If they claim that I owe them something it would be and is in dispute. ERC is now collecting for XXXX. They have never given me notice of a collection account or I would have disputed the account. I have never been given an opportunity to validate the debt and this is a violation of the fair debt collections practices act. I must be given an opportunity to validate the debt of a 3rd party collection agency. FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: CA

Zip: 92345

Submitted Via: Web

Date Sent: 2017-11-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.