Date Received: 2017-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from ERC dated XXXX XXXX, 2017 with a third parties name on it ( XXXX XXXX ) claiming that I owed their company for an alleged debt. The letter also stated that I had 30 days to dispute the validity of this debt. I sent ERC a certified letter and they received it within the 30 day time frame. However the same day they received the letter they placed this item on my credit report.
I disputed the validity of this debt, and I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt. Per this requirement ERC must delete this trade line if they do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) It has been almost 60 days since they received my certified letter and they are refusing to comply with the Texas Finance Code. I was also unable to locate a surety bond for this company, which is required in my state for them to collect on this alleged debt. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me pursuant to Texas Finance Code Sec. 392.403.Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2017-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received letter From ERC dated XXXX XXXX XXXX that is attached. Half way down the page you see the letter states " Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us ''. However on XXXX XXXX XXXX only 6 days after receiving this letter ERC reported to all XXXX Credit Bureau 's as a valid debt instead of allowing me the 30 days. I believe that ERC violated my consumer right 's afforded me in the Fair Credit Reporting Act.
Company Response: Company believes the complaint is the result of a misunderstanding
State: LA
Zip: 71107
Submitted Via: Web
Date Sent: 2017-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Enhanced Recovery Collection agency has recently placed a negative account on all 3 of my credit reports with XXXX, XXXX, and XXXX on XX/XX/XXXX. I do not have a contract with this agency, nor am I responsible for this debt. The company has not validated this debt, they have only sent an itemized bill without my signature on it. The account number is : XXXX in the amount of {$230.00}. The original creditor is XXXX. In XX/XX/XXXX, this debt was showing on my credit with XXXX XXXX XXXX, which in turn sold this account to ERC or Enhanced Recovery Collection agency. Once I disputed this debt and negative account with XXXX in XX/XX/XXXX, XXXX XXXX immediately took this debt off of my credit report and did not want anything to do with me disputing this inaccurate information. On XX/XX/XXXX I was told by XXXX that this would be deleted off of my credit and that they had sent letters to all 3 Bureaus. The debt was taken off of my credit. Now, fast forward to XX/XX/XXXX, this same debt re-appears on my credit without my knowledge, and with a different collection agency called ERC. This is unfair debt collection practices. I want this inaccurate, no contract, not liable, negative debt and account removed from all 3 credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I HAD MOBILE SERVICE WITH XXXX A COUPLE YEARS BACK THE ACCOUNT WAS SENT TO COLLECTIONS I HAVE NEVER RECIEVED ANY CORRESPONDANCE FROM THE COLLECTION AGENCY THE FIRST PROBLEM ALSO THEY CAN NEVER VERIFY THE DEBT WITH ME.SECOND PROBLEM IS THE COLLECTION AGENCY DESTROYED MY CREDIT STATED ON MY CREDIT REPORT I OWED A HIGH BALANCE OF XXXX DOLLARS I WAS NEVER CONTACTED NOR NOTIFIED THROUGH MAIL ONCE AGAIN. I CALLED AND PAID THE SETTLEMENT AMOUNTXXXX WITH DEBIT CARD ENDING IN XXXX ON XX/XX/XXXX FROM MY UNDERSTANDING WHICH I WAS INFORMED BY ENHANCED RECOVERY CORP ON RECORDED LINE MY BUSINESS WITH XXXX AND THE COLLECTION AGENCY WAS DONE AND OWED THEM NO MORE MONEY. ON MY CREDIT REPORT IT WAS REPORTED XX/XX/XXXX AS CLOSED SETTLED LESS THAN FULL BALANCE. THIRD PROBLEM I INQUIRED ON GETTING A MORTGAGE TO PURCHASE A HOME THE YEAR OF XXXX BUT COULDNT DUE TO THE FACT I HAD ONE COLLECTION ON MY CREDIT REPORT FROM ERC SO I CALLED THEM AND THEY WERE VERY RUDE AND NOT WILLING TO HELP AND RUSHED ME OFF THE PHONE AND TOLD ME THEY CAN NOT HELP ME AND I HAVE TO CALL THE ORIGINAL CREDITOR SPRINT. SO I CALLED XXXX AND XXXX AND THIS WHEN THINGS GET WORSE I FOUND OUT FROM XXXX ERC DID NOT REPORT I PAID OR SETTLED THE ACT WITH THEM AND THIS IS YEARS LATER XXXX ADVISED ME I STILL OWE THEM A BALANCE OF XXXX AND I WAS DISTRAUGHT AND WAS HURT AND WAS EMBARRASED DUE TO THE FACT I FELT LIKE I WAS BEING MADE A FOOL OUT OF BECAUSE I WAS ADVISED MY BUSINESS WAS DONE WITH THE BOTH PARTIES. SO I DID A 3 WAY CALL WITH XXXX AND THE COLLECTIONS AGENCY AND WE CAME TO THE CONCLUSION NO ONE KNOWS WHAT THEY ARE DOING AND THE BOTH PARTIES HAVE NO COMMUNICATION SKILLS WITH EACH OTHER. THEY COLLECTIONS ADVISED XXXX BALANCE WAS XXXX AND XXXX ADVISED THEM I STILL OWE MONEY ON A RECORDED LINE SO I CONTINUE TO TALK TO XXXX AND THEY AGREED ON A RECORDED LINE TO ME THAT THEY WILL SEND ME CONFIRNMATION EMAIL THAT THEY ARE REMOVING THE DEBT FROM MY CREDIT REPORT BY SUBMITTING THE REQUEST TO ENHANCED RECOVERY CORP IN XXXX, FL TO REMOVE IT OFF DUE TO THE INCONVIENCE AND THE LACK OF COMMUNICATION BETWEEN BOTH PARTIES SO THIS IS THE SECOND TIME IVE BEEN A VICTIM OF NO COMMUNICATION BY THESE PARTIES. XXXX ADVISED ME GIVE IT 2 WEEKS FOR IT TO BE REMOVED AND GIVE THEM TIME TO UPDATE TO CREDIT REPORTS I WAS HAPPY AND I HAVE THEM A MONTH I CHECKED MY EMAIL EVERY DAY AND I NEVER EVER RECIEVED CONFIRNMATION FROM XXXX AT ALL ABOUT THE CONVERSATION NOR DID THIS SITIUATION GET HANDLED OR GET THIS OFF MY CREDIT REPORT SO I CALLED XXXX AGAIN AND THEY TOLD ME THE LAST REP I SPOKE WITH GAVE ME FALSE INFORMATION. NOW IM JUST BEING HAUNTED ALL OVER AGAIN. THIS REP ADVISED ME HIS NAME WAS XXXX THAT IF I PAID THE BILL XXXX WITH XXXX THEY WILL REMOVE IT OUT OF COLLECTION AND MAKE SURE IT GETS TAKEN OFF MY CREDIT REPORT WITHEN 48 HRS DATE THIS CALLED TO OK PLACE WAS XX/XX/XXXX AND I ASKED HIM WHAT HAPPENED TO THE LAST REPS INFO HE TOLD ME I DIDNT HAVE TO PAY HE WILL HANDLE THE SITUATION AND THAT I DONT NEED TO PAY ANYTHING BECAUSE THE ACCOUNT WAS SETTLED AND PAID FOR ALREADY I OWE XXXX NO MONEY XXXX BALANCE HE ADVISED ME THE AGENT WAS UNEXPERIENCED AND DIDNT KNOW WHAT HE WAS TALKING ABOUT AND XXXX POLICY WE ARE TALKING ABOUT XXXX LEGAL PRIVACY AGREEMENT THAT IF I PAID THE XXXX WITH HIM ON XX/XX/XXXX THE ACT WILL BE CLOSED AND REMOVED FROM COLLECTION AND HE WILL NOTIFY THE COLLECTION AGENCY DIRECTLY. SO NOW THE COLLCTION AGENCY STILL HASNT REPORTED TO XXXX THAT THE BILL HAS BEEN PAID AND IT IS XXXX SO IM BACK TO STEP 1. I JUST WANT THE DEROGATORY TO BE REMOVED OFF MY CREDIT AT THIS POINT BETWEEN THE PARTIES AND I HAVE HAD THE WORSE EXPERIENCE IN MY LIFE I AM ALSO SEEKING LEGAL ACTION AGAINST BOTH PARTIES BECAUSE ITS UNFAIR AND VERY UNETHICAL. I FEEL AS IF IM BEING SCAMMED AND ITS NOT RIGHT IM BEING TOSSED BACK AND FORTH AND I AM LOST NOW. DUE TO THE FACT ALL THIS TOOK PLACE I AM XXXX AND SLEEPING OUT OF MY CAR DUE TO THE FACT I COULDNT MEET DEADLINES AND XXXX AND ENHANCED RECOVERY CORP INCONVIENCE AND UNETHICAL BEHAVIOR AND LACK OF COMMUNICATIONS I AM HERE BEGGING AND PLEADING TO THE CFPB YOU ARE MY LAST HOPE TO PLEASE HELP ME IM BEGGING. THIS ISNT RIGHT AT ALL AND ITNEEDS TO STOP BEFORE IT HAPPENS TO MORE CONSUMERS XXXX FORBID HOW MANY PEOPLE HAVE BEEN AFFECTED ALREADY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX did not provide adequate verification for debt question. no documents were provided showing a contract or signature
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75088
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC Address : XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Account Number : XXXX Did not provide adequate verification for debt question. no documents were provided showing a contract or signature
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21921
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I want to bring this matter to your attention. I am certain that you must receive thousands of consumer complaints and many of them must be nothing more than angry consumers ranting and raving over nothing. I will attempt to not make this another one of those complaints and do my best to make this complaint effective yet concise.
For 5 months I have been attempting to fight a collection account on my XXXX credit report that I do not owe. I have attempted to fight it with the three national credit bureaus. I have also attempted to fight it with the collection agency reporting the account. They go by the name of Enhanced Recovery Corpopration. Every time I attempted to dispute the account, the account would come back with investigation results of verified. after 2 months of disputes, I decided to call the collection agency myself. I spoke with a XXXX XXXX at ERC on XX/XX/XXXX-17. Because ERC kept verifying the collection account with XXXX, I decided to ask XXXX XXXX for any supporting documentation above and beyond a simple dunning notice that the amount they were purporting was owed was actually owed. I gave specific instructions to provide me with any itemization they had and any documentation with my signature. To this date I have yet to receive any paperwork and it is still on my credit report. I have n't just stopped being proactive in this matter either. On XX/XX/XXXX, I called because no documentation had been received and the thirty day validation period had expired on XX/XX/XXXX-17. I was told by ERC that they had received the requested paperwork on XX/XX/XXXX and had sent it out. I was supposed to receive it within 7 business days. That means XX/XX/XXXX. Again I did n't receive anything. I decided to be a little patient but my patience ran out on XX/XX/XXXX. I called ERC and was transferred to the office of the President or so they claimed. XXXX XXXX was the name of the representative who I spoke with at the office of the President. I told them that I had been waiting for months for this so called paperwork they had and informed them that if I had not received the documentation I would be filing this complaint. I even gave them my personal fax number and went trough the motions for them to have it sent to me by fax since their mail obviously was either not being sent or somehow not getting to me. XXXX told me that I would receive this purported documentation very soon. Here we are 2 weeks later and again no fax. ERC seems to not have a care in the world when it comes to following rules and regulations. What more can I do to make them follow the law and stop reporting accounts that do not belong to me? I have been at this for 5 months and they STILL ca n't provide me with any paperwork. Please look into this company as I 'm sure this is not an isolated event.Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a collection notice from ERC dated XXXX / XXXX / 17 in the amount of {$610.00}. I placed a call to ERC XXXX / XXXX / 17 to make payment arrangements on the account. After I had discussed the payment arrangements, I then checked my credit report. The credit report verified that a Collection account from ERC was placed XXXX /2017. The letter that I received from ERC dated XXXX / XXXX / 17 was 30 days after the collection account was placed on my credit report, ERC did not notify me prior to placing a negative item on my credit report and did not allow the time to satisfy the account prior to reporting the collection account. ERC should allow 30 days notice to consumers before reporting negative items on credit reports. With the negative impact this account has had on my credit report, it will prevent Homeownership due to lower credit scores, it will also prevent employment opportunities that would allow for advancement to my career. This has a tremendous negative impact to many aspects of my life. I should have been give the opportunity to resolve the account with ERC prior to the negative reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84054
Submitted Via: Web
Date Sent: 2017-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Tried several times to contact the Creditor I have left messages and got nothing but a run around need help thank you this is not my debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75253
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A