Debt collection -- Attempts to collect debt not owed -- Complaint #4863750
Complaint Overview
Complaint ID: 4863750
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: California
ZIP Code: 92879
Date Received: 2021-11-01T12:00:00-05:00
Date Sent to Company: 2021-11-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, ENHANCED RECOVERY CO L ( XXXX ) XXXX, is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Frequently Asked Questions
What is Complaint #4863750 about?
Complaint #4863750 was filed against Erc regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-11-01T12:00:00-05:00.
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.