ERC – CFPB Complaint ID 3019990

Date Received: 2018-09-15T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX XXXX ) and third-party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged balance owed.

On XX/XX/2018 I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/2018 at XXXX XXXX. this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX XXXX continues to ignite .my requets. They have willfully violated my consumer rights according to the Fair Debt Collections Practice Act.

Specifically, I requested the documents from their files they used to verify this account. Under the FCRA, I have a right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted.

Who verified this account? What documents were used to verify this account? Where are the documents they used?

It has been seven months from the time of my initial request for validation and to date they have wrongfully ignored and violated my consumer rights by refusing to validate this alleged debt.

XXXX XXXX XXXX is in direct violation for continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested seven months ago. It is my connection that XXXX XXXX XXXX can not provide evidence that I am contractually obligated to this account and as a result, are in direct violation and totally disregarded the law.

See also  Navient Solutions - CFPB Complaint ID 2789214

Company: ERC

State/Zip: FL 336XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3019990

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