Debt collection -- Attempts to collect debt not owed -- Complaint #7359527
Complaint Overview
Complaint ID: 7359527
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: Texas
ZIP Code: 77380
Date Received: 2023-08-06T12:00:00-05:00
Date Sent to Company: 2023-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This account is a product of identity theft. It is not the first time that a collections company has tried to collect on this fraudulent account. Evidence has already been presented that I never lived in the United States during the period when the account was opened. Furthermore, due to the statute of limitations in Texas, this account can not be collected on anymore. I request that all entities help to stop these illegal charges as I am a victim of identity theft. Additionally, it should be shown that the collection company is licensed to make collections in Texas as they engage in bad collection practices.
Frequently Asked Questions
What is Complaint #7359527 about?
Complaint #7359527 was filed against Erc regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-08-06T12:00:00-05:00.
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.