ERC – CFPB Complaint ID 3050467

Date Received: 2018-10-18T00:00:00

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I filed a complaint ( complaint number XXXX-XXXX ) on XXXX XXXX. They is listed on my credit report as a collection company and i have the right to ask them to validate the debt according to FDCPA and they didnt. ERC have been a collection company trying to ruin individuals lies by placing false accounts on consumers credit report.I have attached their response so the cfpb can see all the lies and non compliant incorrect information they attached to the last complaint. 1. ) They said they agency is not a debt purchaser but it clearly say on my credit report they is a collection company first violation 2. ) If they service the account their behalf they purchased the account and was paid by whoever to collect on it so another violation. 3. ) they said erc is in compliance which is not true because they collecting on a debt and they acting as if they is not. 4. ) they said the contract with be with XXXX and not them well XXXX should collect on it and not them when they placed that collectionaccount on my credit report they are collecting on it so another violation 5. ) I clearly stated i do not have an account with erc so they flipped the complaint around acting as if i need a fraud packet and i dont because i am correct i do not have an account listed with erc and they need to delete this incorrect information from my credit report i do not have an account with erc

Company: ERC

State/Zip: AL

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3050467

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