ERC


If you believe a complaint deserves more attention hit the up arrow, or hit the down arrow if you find it less important.
"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: 7473581

Date Received: 2023-08-30

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: On XX/XX/23, I sent a letter requesting the validation of alleged debt. Ive received communication from this company that I owe them a substantial sum of money. I never made any contract with this company and do not accept their business or offer without validating I owe a debt to them.

Company Response:

State: GA

Zip: 30253

Submitted Via: Web

Date Sent: 2023-08-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7469894

Date Received: 2023-08-29

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: I received online notification from all three credit bureaus on that ENHANCED RECOVERY COMPANY place a Collection account on my credit report in the totals of {$63.00}. I do not have an account or agreement with. ENHANCED RECOVERY COMPANY. ENHANCED RECOVERY COMPANY violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report., and allow me to dispute the validity of this debt. This debt can not be validated, I do not owe this debt. I dispute the validity of this debt and it should be deleted from all three credit bureaus.

Company Response:

State: TX

Zip: 77079

Submitted Via: Web

Date Sent: 2023-08-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7469174

Date Received: 2023-08-26

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: XX/XX/XXXX Hello I am requesting an investigation into this inaccurate reporting to XXXX and XXXX by XXXX XXXX XXXX who has sold the debt to Enhanced Recovery Collections. In addition, please investigate why they did not fulfill their agreement for payment to delete all my credit reports after they received payment. It can also be XXXX, here is the reported collection on my credit report. See attached letter for evidence of reported collection on my credit report. This is the information to reach Enhanced Recovery Corporation ( ERC ) Debt Collection Phone : XXXX ( Call this number to contact ERC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXXXXXX Email/Contact : Contact Enhanced Recovery Corporation ( ERC ) using the form located on this page : http : //www.ercbpo.com/contact/ Website : www.ercbpo.com This collection was paid with the commitment by XXXX XXXX XXXX to remove the collection from my credit report with all three credit bureaus and they failed to follow through with the commitment. They only removed it from one credit bureau XXXX ( See above ). They were responsible for removing from all credit bureaus and they did not. Please investigate. This is the specific account evidence I have to prove my payment to XXXX XXXX XXXX : On XX/XX/XXXX, I paid {$400.00} with a credit card ending in XXXX to have them remove this collection from all three credit bureaus. The confirmation of this transaction and agreement is XXXX Attached is a snippet of the payment from my XXXX XXXX Account, it cleared on XX/XX/XXXX from my bank. I paid this to XXXX XXXX XXXX, and they still sold it to Enhance Recovery and is still listed on my credit report for XXXX and XXXX. ( See above ) I would like to have this investigated immediately and removed from all three credit bureaus immediately. They agreed that with payment, they would delete the debt from my credit report on ALL THREE CREDIT BUREAUS. Please look into this matter as soon as possible. Thank you for your time. XXXX XXXX XXXX SS # ending XXXX

Company Response:

State: TX

Zip: 78251

Submitted Via: Web

Date Sent: 2023-08-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7466675

Date Received: 2023-08-29

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX Legal Department XXXX I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers

Company Response:

State: FL

Zip: 33311

Submitted Via: Web

Date Sent: 2023-08-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7466065

Date Received: 2023-08-27

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX ENHANCED RECOVERY CO L Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. Account Information : - Account Number : XXXX - Original Creditor : XXXX - Date Opened : XXXX - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. I kindly request that you investigate this matter and remove the account from my credit reports with XXXX. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. Thank you for your immediate attention to this important matter. Sincerely, XXXX XXXX

Company Response:

State: IL

Zip: 60619

Submitted Via: Web

Date Sent: 2023-08-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7462332

Date Received: 2023-08-28

Issue: Attempts to collect debt not owed

Subissue: Debt was already discharged in bankruptcy and is no longer owed

Consumer Complaint: This debt has reappeared on my credit report after being discharged in bankruptcy. This debt collector is not authorized to collect debt in the state of Ohio

Company Response:

State: OH

Zip: 454XX

Submitted Via: Web

Date Sent: 2023-08-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7456230

Date Received: 2023-08-25

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I received notice of an account with XXXX XXXX in XX/XX/2022 in the amount of {$1700.00} and it appeared to be open in the summer of XXXX. This was first statement and it was months past due. I have 1 XXXX account with Mobile and home internet and a second account for a second residence. Both of these accounts are current and I pay every month and don't need a second account for mobile services because all my phones are on my current account. I reported it as fraud and identify theft with FTC and with XXXX and then put a fraud alert on credit bureau. I have provided XXXX fraud affidavit, ID showing myself, and the filing with FTC. They continue to deny it is fraud and keep reactivating it on my Credit Bureau. Their system is so convoluted that they only allow for you to submit the information through a portal and you are not allowed to talk to anyone.

Company Response:

State: AL

Zip: 360XX

Submitted Via: Web

Date Sent: 2023-08-25

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7450345

Date Received: 2023-08-24

Issue: Took or threatened to take negative or legal action

Subissue: Seized or attempted to seize your property

Consumer Complaint: I have spoken to T-Mobile and 3 different collection companies regarding a bill that was use without my knowledge from my ex-husband. T-Mobile has dropped and went to several collections ' companies regarding this matter. Phone calls are documented within the company that have proven this account was Soley used without my knowledge. This burden has not only been stressful, but it is causing me to be in a situation where I will not be able to purchase my home which could cause me and my children to be homeless.

Company Response:

State: KY

Zip: 402XX

Submitted Via: Web

Date Sent: 2023-08-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7447832

Date Received: 2023-08-23

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: This is my formal complaint to ENHANCED RECOVERY CO L for taking no action to correct and remove the fraudulent account that are still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action I been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not

Company Response:

State: IL

Zip: 60610

Submitted Via: Web

Date Sent: 2023-08-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 7445172

Date Received: 2023-08-24

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: Hello, i have been trying to communicate with these XXXX collection companies for over a year now. They refuse to send me any paperwork from the origional creditors and keep changing the items from the pictures below. I've spent some time reading your regulations and they are breaking them all. The accounts are XXXX XXXX XXXX, so over the state statute of limitations and they are not listed correctly with so many of these lines listed on my report.. These accounts must be deleted per your rules and regulations. They call and threaten me all the time, i tell them to stop calling and they call from other numbers. Can you please force them to remove these from my report for breaking your rules?

Company Response:

State: FL

Zip: 339XX

Submitted Via: Web

Date Sent: 2023-08-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.