ERC – CFPB Complaint ID 2818671

Date Received: 2018-02-19T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX- I mailed letters to XXXX XXXX requesting debt validation. Each time I was sent a copy of a bill from XXXX. I requested proof that i was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/XXXX and XX/XX/XXXX, that this was not a request for verification but a request for validation.

I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or deliquency -verification that debt was assigned or sold to the collector XXXX XXXX has failed on 3 different occasions to provide me with this information.

Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove thaey have the legal right to collect this debt.

Company: ERC

State/Zip: IA 528XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2818671

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