Debt collection -- Written notification about debt -- Complaint #6884076
Complaint Overview
Complaint ID: 6884076
Company: Erc
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Arkansas
ZIP Code: 72223
Date Received: 2023-04-24T12:00:00-05:00
Date Sent to Company: 2023-04-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a collection item placed on my consumer credit report that has caused a significant drop in my credit score. The third-party collector is Enhanced Recovery Company , LLC. Their address is XXXX XXXX XXXX, XXXX, FL XXXX. They are alleging a debt of {$140.00} to XXXX XXXX. I have no knowledge of this debt. I also have not received any correspondence from this collector in regard to this debt. I should be allowed at least 30 days to respond to a debt before it is assumed to be valid. I have not had the opportunity to acknowledge or deny this debt and for that reason, I am requesting immediate removal of this item from my consumer credit report. There is a footnote on this collection item that I was recently impacted by a natural or declared disaster. I am not sure how that impacts this collection item, but that seems like it would be a reason to extend leniency instead of skipping steps and depriving a consumer of their rights under the FCRA. Thank you for your consideration.
Frequently Asked Questions
What is Complaint #6884076 about?
Complaint #6884076 was filed against Erc regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2023-04-24T12:00:00-05:00.
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.