Debt collection -- Attempts to collect debt not owed -- Complaint #5541872
Complaint Overview
Complaint ID: 5541872
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: 92704
Date Received: 2022-05-04T12:00:00-05:00
Date Sent to Company: 2022-05-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX XXXX posted a collection on my credit report that they purchased from another collection agency ( ENHANCED RECOVERY CO L ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company. I called XXXX directly to tell them that a drug addict individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted couple of years ago when I will living at the old house. There is no way to track him down or known his where about. I didn't know about until last year.
Frequently Asked Questions
What is Complaint #5541872 about?
Complaint #5541872 was filed against Erc regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-05-04T12:00:00-05:00.
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.