Debt collection -- Attempts to collect debt not owed -- Complaint #4562475
Complaint Overview
Complaint ID: 4562475
Company: Erc
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Pennsylvania
ZIP Code: 19144
Date Received: 2021-07-21T12:00:00-05:00
Date Sent to Company: 2021-07-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this ERC ( Original Creditor : XXXX XXXX ) was reporting to be negative on XXXXn and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Frequently Asked Questions
What is Complaint #4562475 about?
Complaint #4562475 was filed against Erc regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-07-21T12:00:00-05:00.
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.