Debt collection -- Attempts to collect debt not owed -- Complaint #7258853
Complaint Overview
Complaint ID: 7258853
Company: Erc
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Maine
ZIP Code: 044XX
Date Received: 2023-07-16T12:00:00-05:00
Date Sent to Company: 2023-07-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
For a few years I have been disputing the same collections account from several different collection agencies for debt XXXX says that I owe, but is not accurate. I won the dispute the first few times from all three credit bureaus, but the debt keeps getting updated by different collection agencies, now, two different collection agencies appear on my credit report. The collection agency on XXXX is Enhanced Recovery Company and says the account was opened on XXXX, but I didn't receive any notice until XX/XX/2023 when my credit scores changed, before this account updated the collection agency was XXXX XXXX and I disputed it last year, finally in XX/XX/2023 it was taken off only to be replaced by Enhanced Recovery Company in XX/XX/2023. XXXX XXXX is reported on XXXX, so I have two different collection agencies reporting the same debt that has been disputed several times, but still keeps on coming back and shouldn't. XXXX so far has not reported this debt since the last time I won the dispute. This account from XXXX was closed almost 4 years ago and because of how my account was treated the customer service rep at the time said I do not owe a balance, I had spoken with other reps that said otherwise, but this company is only going to share favorable info, but they do have a recorded conversation between me and the customer service rep that closed the account at the time. I have good credit and pay my bills, if I owed this debt and the XXXX was fair in their judgement I would've paid this debt back then, at this point it is just wasting time. How can I resolve this so the debt does not keep on coming back on my credit report? I need your help to the resolve this.
Frequently Asked Questions
What is Complaint #7258853 about?
Complaint #7258853 was filed against Erc regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-07-16T12:00:00-05:00.
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.