Date Received: 2016-08-23
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Improper reporting to Credit Bureaus I found this company ERC on my credit report in XXXX of 2016 after having a lender pull my credit. I have never heard of them before and have never heard from them whatsoever. I never talked to these people or received any notice or letter from them. Was not aware of their existence until XXXX. The XXXX accounts that they reported to all XXXX credit bureaus were showing closed. I disputed them because I have never heard of this company before. After I disputed, ERC updated my credit report and started reporting them as OPEN, even though they were previously showing closed, they are old. I called the number several times to try to find out what this was about to no avail. I have yet to receive any call back or any information from anyone at ERC. Through some digging of my own, I found out that these XXXX accounts ( att and sprint ) are allegedly old debts that they bought from these companies. They must have bought them and then IMMEDIATELY started reporting them because again, they have never made any contact with me before reporting to all CRAs. The funny thing is that I have my current cell phone and tv service with XXXX, which I acquired after this supposed debt and an att representative just told me that not only can they not find any old debt that I owe, but that if I owed anything past due I would not have been able to get new services with them, without paying it or if at all. The alleged XXXX bill is an even bigger deal because it is much higher. It will always be crucial to me to verify or validate any debt that any company says I have due to the fact that I have had my SS # used by a family member in the past year ago and so I will always require validation just to make sure it actually does belong to me and to avoid becoming a victim at any point again. This was never done by ERC. As I stated, they simply bought these debts and starting reporting them, it seems. That collection tactic, I guess, is designed to shock/scare the consumer into to paying when they discover the surprise. The only thing they have done is to update my credit report and to change it from closed to open - now almost 4 years later.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 440XX
Submitted Via: Web
Date Sent: 2016-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2016-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2016-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have a a unverified account from ENHANCED RECOVERY CO. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CO. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CO. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2016-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am being contacted by cellphone number and mail from ERC and XXXX about an incorrect information about phone account and I wish they would get a life and leave mines alone because I do n't bother anyone who wants not to be they call my family and friends that are going to be a problem with calling my grandma I been told you to leave me and my family alone about account you bought for less than {$30.00} or even XXXX dollars
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2016-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: ERCIS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$310.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2016-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Phone service was suppose to be disconnected. Because I was lied to about services offered. They waited longer period of time to disconnect and then wanted to charge me more.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 42066
Submitted Via: Web
Date Sent: 2016-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-16
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78746
Submitted Via: Web
Date Sent: 2016-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Consumer Complaint: I 'm still making payments to the Debt Collection service that I 'm using, while this is not the first time I 've got calls like this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2016-08-15
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-11
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I received a missed call from phone number ( XXXX ) XXXX. I called back XXXX/XXXX/XXXX at approximately XXXX EST. I spoke with a female by the name of XXXX who first to identify she was speaking to the correct person, verified my address but it was an address that I lived at about 7 years ago in a different state than I currently live I became very curious at that point so when she asked if that was still my current address I was a little dishonest and said yes because I wanted to see where she was going with the call seeing she mentioned an address so old. She then informed me that the company she was with was ERC and they were attempting to collect a debt on behalf of XXXX XXXX XXXX. I immediately remembered that the only time I was involved with XXXX XXXX XXXX was when I attempted to get their internet service which was XX/XX/XXXX I tried to get cable service through XXXX which did not offer Internet service so the rep with XXXX informed they set up for internet through XXXX XXXX XXXX. A week later a rep showed up to install my satellite for cable and I also received my materials from XXXX XXXX XXXX for my internet service via XXXX the same day. Unfortunately the Apt manager said I was not allowed to have a dish installed and explained why. So the XXXX XXXX rep took his equipment back. I mailed XXXX their equipment back. Nothing was ever installed including the satellite and internet equipment For XXXX XXXX XXXX. I also called XXXX to be sure they understood what was going on and I was informed there was nothing more I had to do. As far as ERC the rep XXXX gave me the amount of the alleged debt that I owe and when I asked why XXXX XXXX XXXX is claiming I owe this amount her exact words were " I do n't know why '' I asked her why she was calling to collect a debt if she could n't tell me what the {$200.00} charge was for she then attempted to confirm the last XXXX of my social which made no since to do at that point in the call after I explained to her what happened with XXXX and explain that there were no services rendered by XXXX nor XXXX XXXX XXXX. At this point I 'm confused as to how a debt collector can call to collect a debt but ca n't explain what you are being charged for which is my biggest complaint. Also I have never received any calls or notices from XXXX XXXX XXXX nor have I received any notices from ERC. I informed XXXX that I am disputing the validity of the debt. She stated that ERC will be sending the account back to XXXX XXXX XXXX but that still does n't satisfy me and I do n't believe they are actually going to return the account to XXXX XXXX XXXX. I was continuing to speak with XXXX to reassure they will stop all attempts to collect and return this alleged debt to XXXX XXXX XXXX and she hung up on me. I was yelling or being rude to her. I also find it very unprofessional that they have their reps calling to collect a debt but ca n't explain what the debt is for. I really hope since the CFPB is cracking down on debt collectors, that this is one that actually catches their eye as something that should be investigated with ERC collections. I have also taken a look at their XXXX complaints they have had over XXXX and XXXX revolve around billing and collection issues, and if you read them you 'll see several complaints similar to mine. They making attempts to collect on debt and they ca n't even explain what the debt is for. Wow!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2016-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes