Debt collection -- Took or threatened to take negative or legal action -- Complaint #4434362
Complaint Overview
Complaint ID: 4434362
Company: Erc
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Georgia
ZIP Code: 30213
Date Received: 2021-06-05T12:00:00-05:00
Date Sent to Company: 2021-06-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 I was alerted by XXXX that a new collection had posted to my credit report. I have never received any correspondence at the address where I live, nor any phone calls regarding any businesses with this company named " Enhanced Recovery Company '', and do not recognize any of the information associated with collection account. This is a violation of the FDCPA. I have requested that the company validate the account associated with the alleged debt and remove it from my credit report immediately.
Frequently Asked Questions
What is Complaint #4434362 about?
Complaint #4434362 was filed against Erc regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-06-05T12:00:00-05:00.
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.