ERC – CFPB Complaint ID 2689476

Date Received: 2017-10-01T00:00:00

Product: Other debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I notified ERC twice about an alleged debt owed to original creditor ” XXXX XXXX XXXX ” for the amount of XXXX.

I sent them a letter by regular first class mail back in XXXX of XXXX asking for verification and reporting dispute. They did not respond. I sent a second letter by Certified Mail Return Receipt Requested in XXXX of XXXX requesting a settlement in which I agree with pay a partial amount and they agree to remove the account. They did not respond.

They have failed to respond either time and have since changed the ” Date of Last Activity ” on the account on my credit reports to a more recent date — harming my credit score.

I have contacted XXXX XXXX XXXX directly and no one can validate that any debt belongs to me under my social security number or name.

The company has now violated both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by 1 ) Never sending me an original DUNNING letter that such a debt existed 2 ) Not responding to official requests for validation of said debt nor reporting the debt as disputed 3 ) Updating or ” re-aging ” the account on my credit report to make it look current and harming my credit score.

I am in the process of trying to get a mortgage and this score damage has caused me to not be eligible for the best rate. This constitutes actual harm.

Company: ERC

State/Zip: OR 972XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2689476

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