ERC


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"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: 7439209

Date Received: 2023-08-23

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: Enhanced Recovery is reporting a fraudulent account on my credit files. I did not open nor consent to this account being open. I will exhaust all legal avenues afforded to me to get this account removed from my credit. I will sue said creditor or collection agency in small claims court within 14 days of receipt of this complaint. Enhanced Recovery CO L XXXX {$300.00}

Company Response:

State: TX

Zip: 75126

Submitted Via: Web

Date Sent: 2023-08-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7437954

Date Received: 2023-08-22

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.

Company Response:

State: TX

Zip: 75089

Submitted Via: Web

Date Sent: 2023-10-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7436383

Date Received: 2023-08-21

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: J have an account showing in collections from a collection agency Called ERC in XXXX, Fl. It was for a XXXX bill of {$490.00}. I have paid this in full and have receipt from XXXX. I demand that ERC remove this from all my credit reports Immediately!

Company Response:

State: GA

Zip: 30066

Submitted Via: Web

Date Sent: 2023-08-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7433435

Date Received: 2023-08-21

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I received a notification that a collection was added to my credit report on XX/XX/2023 from ERC. I called XXXX and spoke to a representative. I told them I had no knowledge of the account and the account fraudulently opened and I never authorized anyone to use my information to open the account. I told him I was a victim of identity theft and I could forward them my Identity Theft Report from the FTC. I was given and email address to send my report which I did but was told it was take 30 days to be removed from XXXX, XXXX and XXXX but I want it deleted immediately! Incorrect information is being reported and the creditor has already violated code 15 USC 1692g sec. 809 ( b ) of the FDCPA.

Company Response:

State: MD

Zip: 21202

Submitted Via: Web

Date Sent: 2023-08-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7427070

Date Received: 2023-08-19

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ERC ACCOUT # XXXX HAS VIOLATED MY RIGHTS. 15 usc 1681 section 602 a states i have the right to rpivacy. 15usc 1681 section 602 a states i have the right to privacy. 15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 1 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FRURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUTION.

Company Response:

State: AL

Zip: 35160

Submitted Via: Web

Date Sent: 2023-08-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7425969

Date Received: 2023-08-20

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: Back ERC Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$540.00} Balance updated XX/XX/XXXX Original balance {$540.00} Account info Account number XXXX Date opened XXXX XXXX XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX1 15 U.S. Code 1681c-2 a consumer reporting agency 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

Company Response:

State: GA

Zip: 31021

Submitted Via: Web

Date Sent: 2023-08-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7415709

Date Received: 2023-08-18

Issue: Attempts to collect debt not owed

Subissue: Debt was paid

Consumer Complaint: Paid to delete and it have not been taking off my credit.

Company Response:

State: PA

Zip: 19401

Submitted Via: Web

Date Sent: 2023-09-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7408305

Date Received: 2023-08-16

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company Response:

State: FL

Zip: 326XX

Submitted Via: Web

Date Sent: 2023-08-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7399792

Date Received: 2023-08-14

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company Response:

State: SC

Zip: 29016

Submitted Via: Web

Date Sent: 2023-08-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7397206

Date Received: 2023-08-15

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts :, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company Response:

State: IL

Zip: 60619

Submitted Via: Web

Date Sent: 2023-08-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.