Date Received: 2017-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have had something appear on my credit for {$390.00} -- it was from Enhanced Recovery and they have advised that the original credit was XXXX XXXX XXXX .. it has an opened date on my credit report of XX/XX/XXXX I have tried to call the company and explain that this was not my debt and that my service has been with another company for over 8/9 years -- they did mail me something but it was not anything with a signature or anything proving it was me.. it was like a final bill from XXXX XXXX XXXX -- I need this removed -- i also tried on XX/XX/XXXX to dispute it through XXXX and it just came back as verified correct -- but it is not.. and they refuse to provide proof of the original debt -- They did have a bill but without a signature on something it is my feeling that this could have been anyone -- and they are still reporting negatively
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I requested to have the debt validated, documents were provided but some of the documents were modified, some of the documents are showing due dates of XX/XX/XXXXwhere others are showingXX/XX/XXXX I called the original creditor at XXXX and spoke with XXXX in XXXX XXXX who informed that the debt had been charged off. From my understanding if a debt has been charged off it is not collectable by a collection agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent a debt validation letter to Erc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, its been 40 days since they received my letter & I have not received a response in reguards to my validation request. I want this debt deleted from my credit reports as a final resolution due to noncompliance
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ERC debt collections company continues to report to all 3 credit bureau 's as my account in collections and/or derogatory after me speaking with them numerous times, explaining the debt was paid & full. I requested a written letter numerous times & for the incorrect reporting to be taken off my credit reports, I was promised over & over again it would be corrected and not show negatively on my reports. I have repeated asked the 3 credit bureau 's to correct the mistake. This is causing me to be denied credit cards, rentals, and increased interest rates, which is very unfair when I am current with all payments and not in collections.
Company Response: Company believes complaint is the result of an isolated error
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2017-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is an old account that had aged off my credit report and now shows as new debt that is delinquent. Company bought this account and is trying to collect by fraudulently dating it as new debt. Please remove this from my credit report or correct the true age of this debt. They have dated it as XXXX/XXXX/XXXX and assigned date of XXXX/XXXX/XXXX. Never had any credit with ERC on those dates. Actual debt was with XXXX from over 6 years ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2017-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my credit report I have discovered an inaccurate listing included on my file that I never knew about and did not sign any contract for. This company which I hold no contract with nor have received serviced from, reported a amount of {$1400.00} with XXXX, XXXX and XXXX credit reporting agencies. This has been on my credit report since XXXX and I have not been contacted to resolve this debt. I do not and should not have a signed contract with ERC or XXXX. I have never done business with either company. I am not reliable for collection from this debt from ERC or XXXX. After reviewing my report I sent debt validation letters to ERC requesting the original signed contract stating that I have or had an account with XXXX. This communication was sent XX/XX/XXXX. The FCRA requires you to verify the validity within 30 days. I have disputed this collection account with all three credit bureaus and ERC has not provided any information, contract or adequate proof. that I actually signed proving this account to belong to me. These disputes were sent to the credit bureaus on XX/XX/XXXX and ERC has failed to provide the necessary information and have only reported to the credit bureaus that my account was being reinvestigated. Validation that I actually signed a contract has yet to be received. As the accounts are under reinvestigation over the past two years it has affected me from getting credit to build my credit. If the validity can not be verified, they are obligated to remove this collection. I have never signed a contract with ERC or XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 271XX
Submitted Via: Web
Date Sent: 2017-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX/XXXX/XXXX I sent the company two letters demanding validation of the debts they are attempting to collect. The accounts are reflecting poorly on my credit report but I am not familiar with the original creditors, the balances being demanded, or the account opening dates. The company has failed to respond to my attempts to verify the debts but are still reporting the unverified information on my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 68111
Submitted Via: Web
Date Sent: 2017-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I just recently received a report again about the XXXX XXXX collection for {$1100.00}. This issue is been on for many years and i already talk to them long time ago that this account on XXXX XXXX that they are collecting is not mine. But they keep sending a report which is happen again last XXXX XXXX, XXXX. Again, this account that they are trying to report is not mine. It been ruining my credit report for many years now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2017-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX reported to my credit report XX/XX/XXXX. After purchasing the debt ( {$1200.00} ) from a collection agency ( XXXX XXXX XXXX ) who was not authorized to report on my credit due to having invalid information. I was never notified to the debt being sold or my right to dispute. I understand I am supposed to have 5 days but I was given none. The original debt was from XXXX in XX/XX/XXXX with the amount of {$540.00} being owed. None of the information XXXX XXXX XXXX is reporting is accurate, along with the fact that I was never notified.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2017-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ERC XXXX} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ERC I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2017-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A