CFPB Complaint

ERC – CFPB Complaint ID 2786744

Consumer Complaint Submission

Date Received: 2018-01-19T00:00:00

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a credit report notification for a new account and it was a debt collector. Not only have I never received a bill from the original creditor for any amount owed. I never received a notification of this debt from the debt collector therefore I could not dispute this debt. I am very certain I do not owe this debt as I have never received any bill, nor notification. Furthermore I believe this violates the Fair Debt Collection Practices Act section 15 U.S. Code 1692g.

Company: ERC

State/Zip: GA 303XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2786744

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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