Debt collection -- Attempts to collect debt not owed -- Complaint #4380092
Complaint Overview
Complaint ID: 4380092
Company: Erc
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Hawaii
ZIP Code: 96706
Date Received: 2021-05-15T12:00:00-05:00
Date Sent to Company: 2021-05-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A fraudulent account with XXXX XXXX was opened in my name. I never initiated or have ever had an account with XXXX XXXX. Subsequently, the unpaid account was sent to Enhanced Recovery Company , LLC who has been attempting to collect on the unpaid account. XXXX XXXX will not be able to furnish proof that I ever initiated the opening of any account with their company, including any signed documents in my name permitting them to begin service. I have never inquired about starting service either in writing or by using their website. Again, any account in my name through XXXX XXXX was opened fraudulently. The collection amount is {$300.00}.
Frequently Asked Questions
What is Complaint #4380092 about?
Complaint #4380092 was filed against Erc regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-05-15T12:00:00-05:00.
How did Erc respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Erc?
Yes, visit the Erc company profile at readthecomplaint.com/company/erc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.