ERC – CFPB Complaint ID 2472198

Date Received: 2017-05-02T00:00:00

Product: Other debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Back in early XXXX I moved to a different area and had XXXX XXXX . When I found out XXXX could not service my new address I canceled the contract. Knowing that if they could not service my address the contract would be void, I was not worried about paying out the contract. I also had a conversation with a XXXX representative that confirmed the same. About six months down the road XXXX with XXXX {$850.00} from my checking account without any prior consent or knowledge. They claim that that was the balance of the contract. I contacted them to dispute this since they could not service my address and a representative told me that that must ‘ve been a mistake. However, the only way I got my money back was filing a dispute with my bank. I won the dispute got my money back and all was fine. Then, In XXXX I went to buy a home was preapproved to build a house. On the final days they had to pull my credit report which would ‘ve been early XXXX , XXXX had sent that balance of {$850.00} to a credit reporting agency, dropping my credit score . It is now placed on my credit report as money owed which clearly I want my dispute and should not be on there. It is falsely on my credit report. I would like to get it removed immediately before I decide to take some other kind of action. Would you be able to help me with this?

Company: ERC

State/Zip: SC 294XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2472198

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See also  Commonwealth Financial Systems, Inc. - CFPB Complaint ID 2776967

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