Date Received: 2017-04-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: In XX/XX/XXXX I received a collection notice from ERC on behalf of XXXX. They are attempting to collect a {$910.00} debt from an account that was fraudulently opened. The dates for this account are XX/XX/XXXX opened to XX/XX/XXXX closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91360
Submitted Via: Web
Date Sent: 2017-04-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On Friday, XX/XX/2017 I just received in the U.S. mail my annual " FREE '' copy of my " XXXX '' per my Due Process rights under the " Federal Fair Credit Act. '' Under the " Collection Agency Information '' there is a false collection debt entry by a " ERC ; XXXX, Florida ; XXXX ; ( XXXX ) XXXX. '' It also falsely noted : " Collection Reported XXXX '' for " XXXX '' for " $ XXXX. '' NOTE : This is the 3rd time that this " ERC '' collection agency has unlawfully noted this false debt collection onto my " XXXX '' without ever having contacted me in the last 2 years. I called them up on their toll free number ( XXXX ) XXXX and politely explained the facts. Their only telephonic response was " Pay the XXXX the {$760.00}, XXXX and we 'll delete it off your XXXX credit file. '' I explained to them again that I 've had " XXXX '' for over XXXX consecutive years and NEVER XXXX That this debt is NOT mine and that I 'm a victim of Identity Theft. '' They then just rudely hung up on me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ERC has continued to contact me regarding a XXXX IPhone that was returned to XXXX when my husband and I decided to combine cell phone plans. We have informed ERC twice about this issue and asked them to verify with XXXX that the phone was returned to them. XXXX has never sent us a statement regarding the cell phone and we are currently XXXX customers now and if we owed a balance then XXXX would have informed us before service could be established. My husband contacted ERC on my behalf to obtain dispute information on XX/XX/2017 at XXXX. He spoke with XXXX who refused to provide her employer identification number for a reference and also failed to provide any dispute information also.
Company Response: Company disputes the facts presented in the complaint
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-04-05
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against Enhanced Recovery LLC because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. I discovered on my birthday XX/XX/XXXX that a company by the name of XXXX has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! XXXX Account Number XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-04-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Alleged debt was from XXXX for a receiver that was lost while being returned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94014
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX account showed up on my credit report recently I have n't had XXXX since XX/XX/XXXX. I paid off all of my debt with XXXX before I canceled. I do n't know why it was reported because I do n't owe them anything I contacted the debt collector and they told me to email a dispute to them and then forward it to XXXX before I did that I contacted XXXX and they told me they do n't have access to my account anymore. And that I owe money in which the case I do n't. XXXX told me they sold my account to a debt collector in XX/XX/XXXX and it has recently shown up on my credit report In XX/XX/XXXX and neither companies are providing me with information in regards to this Debt that I owe which I wasnt aware of until recently. The debt collectors are giving me the runaround and they are not being honest with me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They are calling daily demanding payment on something I know nothing about. I do n't know what ERC is or why I 'm being harassed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have asked for Validation of the debt through a certified letter to the company. I have yet to receive any kind of validation however I am receiving letters and phone calls concerning a debt that I do not owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2017-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-02
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: ERC reported me to XXXX that i owe a debt to XXXX which i did not owe on several occasions i called them on a recorded line which i have evidence asking them to verify the debt or sent me proper documentation proving that i owe the the debt they have refused to provide any evidence. And last month i called them again they told me that XXXX have pulled the debt from them and that they are going delete it from my credit report i have recordings its been more than 50 days ERC is still on my credit report reporting for XXXX The Fraudulent actions of ERC is preventing me from obtaining credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2017-04-02
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am filing a complaint on ERC that has added a collection to my credit report on a debt that is more than 8 years old and should be deleted from my credit record once and for all. This account was with XXXX in 2007 then with XXXX that is logged several kinds of ways on reports to camouflage them selves this account must be delete from my credit report. Credit reports provided as proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes