ERC – CFPB Complaint ID 2633842

Date Received: 2017-08-17T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I have had this same issue in the past with the original creditor XXXX and the collection agencies. This account has been closed and deleted from my credit report when I first disputed it with ERC, copy of letter and response is attached, and once again now this new collection agency, XXXX . XXXX XXXX , is claiming I owe them without even mailing me anything through the XXXX Mail or calling me on my phone. How is it that they are reporting to my credit reports a negative account that has been closed? I want them to delete this immediately from my credit report if XXXX . XXXX XXXX can not verify this alleged account ac cording to the Fair Debt Collections Act.

Company: ERC

State/Zip: IL 600XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2633842

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