ERC – CFPB Complaint ID 2559357

Date Received: 2017-06-26T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I already submitted a complaint with CFPB – Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 I could not view the response from ERC ( enhanced recovery company ) as CFPB has issues with passwords.

The response was read to me from a CFPB employee. ERC states that : ( 1 ) the debt from XXXX is not owned by them. ( 2 ) they are acting on behalf of the customer – XXXX XXXX ( 3 ) they have put actions on hold until verification of account I contacted XXXX and have confirmed again that : ( 1 ) the account was in error. I had one account that I paid on. The other was made in error but had been already placed in collections AND that they SOLD the rights to the debt to ERC ( ERC claimed that they did not own the debt rights ) XXXX is also in a law suit right now in Idaho for creating accounts to consumers without the consumers knowledge or consent. ( 2 ) XXXX confirmed that they SOLD the rights to the debt to ERC. ERC is NOT acting on behalf of XXXX. ( 3 ) Immediately upon hearing from CFPB, ERC added another Collections hit to XXXX.

ERC has been putting multiple hits to my credit reports, changing amounts and originators. They have lied when replying to the CFPB complaint. They DO own the debt rights, are NOT acting on behalf of XXXX and are not putting report on hold until they investigate and verify the information. I DO NOT OWN THE ACCOUNT THEY ARE TRYING TO COLLECT ON.

Company: ERC

State/Zip: ID 836XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2559357

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