ERC – CFPB Complaint ID 2761506

Date Received: 2017-12-21T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I want to hereby denounce XXXX XXXX XXXXXXXX XXXX for continuing to violate the FDCPA. Over 30 days ago I requested DEBT VALIDATION under FDCPA Section 809 – Validation of debts [ 15 USC 1692g ].

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Nothing has been provided.

The law clearly states that if a creditor ca n’t validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, and They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act.
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages.

XXXX XXXX continues to report negative information on my report fraudulently. This is my last attempt to have them comply with the law immediately before I move this matter to court.

Company: ERC

State/Zip: FL 331XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

See also  I.C. System, Inc. - CFPB Complaint ID 2897391

Complaint ID: 2761506

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