Debt collection -- Attempts to collect debt not owed -- Complaint #5898805
Complaint Overview
Complaint ID: 5898805
Company: Erc
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Massachusetts
ZIP Code: 02119
Date Received: 2022-08-19T12:00:00-05:00
Date Sent to Company: 2022-08-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
ERC reported a fraudulent account on my credit reports. On XX/XX/XXXX I sent them a certified XXXX Demand Letter, informing them of their inaccurate reporting and requesting validation of their claim. Under MA general laws a collector has XXXX days to provide proof. I also informed them under MA XXXX XXXX XXXX XXXX : Unfair Practices ( XXXX ) : it is NOT legal for a debt collector to place their name on a MA resident credit report. ERC did not reply ( no validation ) However, they did remove their listing from my XXXX and XXXX. They continued to report account due with XXXX. XX/XX/XXXX I sent them a XXXX certified XXXX Demand notice informing them they are continuing to report and attempting to collect upon a fraudulent account. They failed to reply. In XXXX and XXXX I sent disputes to XXXX informing them of the inaccurate reporting. ERC " validated '' that their listing was accurate. In XXXX I sent then a XXXX notice and XXXX XXXX the MA XXXX 's office. ERC provided a statement claiming I owe. No contract showing my signature, no proof the account was mine. No acknowledgement that they are continuing to report illegally in violation of MA laws. I would like the fraudulent account removed.
Frequently Asked Questions
What is Complaint #5898805 about?
Complaint #5898805 was filed against Erc regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-08-19T12:00:00-05:00.
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.