August 2019 Complaints Against ERC

Compiled from Public Data by FairShake

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The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2019, the CFPB received 1212 complaints against ERC. ERC ranked Number 28 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: August 2, 2019

Company Official Name: ERC

State: None

Product: Debt collection
Sub-Product: Other debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: August 1, 2019

Company Official Name: ERC

State: WA

Product: Debt collection
Sub-Product: Other debt

Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: August 3, 2019

Company Official Name: ERC

State: FL

Product: Debt collection
Sub-Product: I do not know

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit — ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: August 1, 2019

Company Official Name: ERC

State: FL

Product: Debt collection
Sub-Product: Other debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: August 1, 2019

Company Official Name: ERC

State: NC

Product: Debt collection
Sub-Product: Other debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: August 2, 2019

Company Official Name: ERC

State: IL

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: August 2, 2019

Company Official Name: ERC

State: WA

Product: Debt collection
Sub-Product: Other debt

Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: August 4, 2019

Company Official Name: ERC

State: GA

Product: Debt collection
Sub-Product: Other debt

Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: August 1, 2019

Company Official Name: ERC

State: CA

Product: Debt collection
Sub-Product: Other debt

Issue: Written notification about debt
Sub-Issue: Didn’t receive enough information to verify debt

Full Complaint:
Hello, I sent a Certified Letter requesting documents showing this was my account. I am asking for them to please DELETE THIS ITEM FORM ALL THREE CREDIT BUREAUS.
I was applying for a loan and the bank said a had to pay the above collection or I could not receive a loan. So I called them and they and requested Validation about this account and never received anything they just pay them half and they mark it as paid. I need them to provide me with documentation or remove this account from my credit report.

ENHANCED RECOVERY COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2018 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION Original Amount : {0.00}

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


Complaint Details:

Date of Complaint: August 2, 2019

Company Official Name: ERC

State: SC

Product: Debt collection
Sub-Product: Other debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Company response:

Response Type: Closed with explanation

Public Response:
Company believes it acted appropriately as authorized by contract or law


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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