ERC Issue Resolution

Resources for resolving common issues with ERC products and services

The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.

The CFPB will forward your complaint to ERC and work to get a response. After your complaint is forwarded, ERC has 15 days to respond to you and the CFPB. ERC is expected to close all but the most complicated complaints within 60 days.

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New ERC Consumer Complaints


ERC Debt collection written notification about debt didn't receive enough information to verify debt

November 29, 2018 - This company has reported on my credit an amount $470.00 without notification again. This is the 4th time this company has attempted to report on my credit WITHOUT prior written notification. Even after several request no one has been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. The original dispute occurred -/-/2017 and seems to resurface every 6 months after being require to remove, this is illegal on the company behalf....

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ERC Debt collection attempts to collect debt not owed debt is not yours

November 5, 2018 - ERC has appeared on my recent credit report i am not familiar with this dept, it is not mine and should be removed from my credit report. - was removed from my credit report and had lack of verification which was sold to ERC who has reage this account which is illegal i am also questioning ERC ability to report. Im asking that i recieve the original contract from - showing that this is indeed my debt and also there ability to reage this account, this is multiple laws that ERC has broken i will also be sending this complaint to the FTC for them to review....

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ERC Debt collection attempts to collect debt not owed debt is not yours

October 15, 2018 - Enhanced Recovery is attempting to collect upon a fraudulent debt and listing the account illegally on my credit reports. They received correspondence from me via certified mail -/-/2018, -/-/2018, -/-/2018 and -/-/2018. They have refused to reply with validation and have broken 209 CMR 18.17 in that they are illegally reporting under their own name to the bureaus. This account needs to be immediately removed from my credit reports....

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ERC Debt collection false statements or representation attempted to collect wrong amount

October 7, 2018 - - - - is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA...

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ERC Debt collection written notification about debt didn't receive enough information to verify debt

August 13, 2018 - No knowledge of debt....

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ERC Debt collection attempts to collect debt not owed debt is not yours

July 25, 2018 - I get repeated calls for debts owed by someone with the last name of -. I have no idea whom this person is. They are not myself nor any relation to me. No matter how often I tell these people this is not the - 's number, I continually get calls for their debt collection!...

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ERC Debt collection attempts to collect debt not owed debt was result of identity theft

July 21, 2018 - I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately....

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ERC Debt collection attempts to collect debt not owed debt was result of identity theft

July 21, 2018 - I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately....

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ERC Debt collection written notification about debt didn't receive notice of right to dispute

July 9, 2018 - On -/-/2018, I sent - -, a cease and desist letter by certified mail that was signed on -/-/2018. On -/-/2018, I sent - - another letter via certified mail that was signed on -/-/2018. To date, - - is still reporting collection activity to all Three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see attached evidence...

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ERC Debt collection communication tactics frequent or repeated calls

May 11, 2018 - Enhanced Recovery has been calling my cell phone using a robocaller at least 37 times this week alone. They are using sleezy tactics in trying to harass me via phone calls. I've repeatedly asked them to add my phone number to their " Do Not Call '' list but the continue to call. They always ask for " - '' who is someone I do not know. They have promised to not call my number in response to complaints I've previously filed here but continue to do so. They have called using the - phone number and also local call spoofing. My phone number has been on the national " Do not call '' list for s...

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ERC Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

March 14, 2018 - This is a fraudulent account and I would like my name and information taken out of your files. I have notified the police and all credit bureaus that this is fraudulent and this account does not belong to me nor do I have any knowledge of it. Remove my information at once. I am - and this is fraud...

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ERC Debt collection attempts to collect debt not owed debt is not yours

February 23, 2018 - I spoke with - - -, a Debt Collector on -/-/- about this account listed on my Credit Report. They said that the Creditor was -. I informed them that I do not have and never had a - Account. They said for me to call -. I call - on -/-/-, they transferred me around, and finally the lady ask for my Social Security Number. I said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call ...

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ERC Debt collection written notification about debt didn't receive notice of right to dispute

February 13, 2018 - I have no idea who enhanced recover is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. - - is indicating that an account with the account number - was opened with their company in -/-/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give any...

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ERC Debt collection attempts to collect debt not owed debt is not yours

January 10, 2018 - Enhanced Recovery is attempting to collect on a Debt, that I never received a letter from Enhanced Recovery regarding any information about the debt that they never validated the debt and are illegally reporting. There has been no written correspondence to me regarding this Debt from Enhances Recovery. The original owner of the Debt is - -. Enhance Recovery does not have a contract baring my signature with - - -. In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, di...

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ERC Debt collection attempts to collect debt not owed debt was result of identity theft

January 5, 2018 - I disputed this listing with a credit bureau and it was removed. In - 2017, it was placed back on my credit again listing different information. I 've disputed it once again with - and am waiting on results. I 've also disputed this with ERC, the credit bureau making the claim....

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ERC Debt collection communication tactics you told them to stop contacting you, but they keep trying

January 4, 2018 - I have told this company ( ERC Holdings LLC located at - - - -, FL - ) several times on RECORDED LINE to Cease and Desist contacting my phone number. The Debt Collector is using a similar debtor name attempting verification of a debt not owed by me. My phone number is NOT listed, and, for them to obtain my number is using illegal privacy invasive methods on an innocent. This company was warned to remove my number, and, at the time they said the number was being deleted, however the harassment continues. I have maintained a call log with caller identification to show this harassm...

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ERC Debt collection threatened to contact someone or share information improperly talked to a third-party about your debt

January 3, 2018 - On -/-/17 around - - a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named -. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break....

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ERC Debt collection communication tactics frequent or repeated calls

November 4, 2017 - I keep getting calls from ERC ( - ) asking for someone like - - ( the name is unusual. ) I have told them I am not associated with any such person, have never known anyone with such a name and to please disassociate my number from her overdue account. They apologize, say they will remove my number from her account, and then call me again the following month!...

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

April 12, 2017 - Enhanced Recovery Company a collection agency is attempting to collect on an alleged debt owed to - a cable company. I had contacted - disputing this alleged debt in which they did not put my account on vacation status which I had informed them to do. The - representative stated they would adjust my bill. I am still a - customer. I received no communication that - was referring my account to a collections agency. After reviewing my credit report is when I noticed that Enhanced Recovery Company was reporting this alleged debt....

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ERC Credit reporting incorrect information on credit report reinserted previously deleted info

April 12, 2017 - I have filed a dispute before regarding this issue with - previously in -/-/- for - and they have sold my info again to another debt collection agency by the name of Enhanced Recovery - ( ERC ). I filed a dispute -/-/- and the item was deleted and removed from my credit report on -/-/- for -. I received a alert from my credit bureau regarding this issue -/-/- for the same issue and I do n't have any knowledge of this account. ( - & - Credit Reports )...

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ERC Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

April 7, 2017 - In -/-/- I received a collection notice from ERC on behalf of -. They are attempting to collect a $910.00 debt from an account that was fraudulently opened. The dates for this account are -/-/- opened to -/-/- closed....

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

March 31, 2017 - I am filing a complaint on ERC that has added a collection to my credit report on a debt that is more than 8 years old and should be deleted from my credit record once and for all. This account was with - in 2007 then with - that is logged several kinds of ways on reports to camouflage them selves this account must be delete from my credit report. Credit reports provided as proof....

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ERC Debt collection disclosure verification of debt not given enough info to verify debt

March 31, 2017 - This is the third company that has tried to collect on this debt. Each time the amount of money they say I owe increases hundreds of dollars. I have contacted - each time someone tries to collect this debt and they say they have no idea that I DO NOT OWE THEM MONEY NOR HAVE I EVER HAD ANY ACCOUNT WITH THEM. they say that they never placed my account for collection. I have sent two validation demand letters to this company demanding that they show me proof that I owe this money, since - themselves have no idea about the debt. The have ignored each request. I have sent a cease and deceit l...

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ERC Credit reporting incorrect information on credit report account status

March 29, 2017 - The account was paid in full as a collection with the understanding that it would be removed would be removed from my credit file after they received the payment the account was paid and closed on -/-/2014...

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ERC Credit reporting incorrect information on credit report reinserted previously deleted info

March 29, 2017 - - reports that I opened an account in -/-/-. I opened no accounts of such type in -/-/-. The account was opened in -/-/-. They illegally changed the date of opening this account....

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ERC Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

March 24, 2017 - I am a victim of identity theft and noticed a collection from I am a victim of identity theft and noticed a collection from -. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against - in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Poli...

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ERC Credit reporting incorrect information on credit report information is not mine

March 22, 2017 - ERC ( Enhanced Recovery Corp ) Have placed - Accounts On My credit Report in the amounts if $230.00, >= $1,000,000 - who are which with the same company ( - ) and yet have different dates and account which is not valid also there is another - from ( - ) I need tis information remove from my credit report for this is not my debt and they should maintain complete and accurate information on consumer reports I demand these accounts to be remove from my credit report....

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ERC Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

March 22, 2017 - I am a victim of identity theft and noticed a collection from Enhanced Recovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you...

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ERC Debt collection disclosure verification of debt not given enough info to verify debt

March 21, 2017 - I have an unverified account from ENHANCED RECOVERY CORP. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CORP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CORP provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you p...

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ERC Debt collection disclosure verification of debt not disclosed as an attempt to collect

March 21, 2017 - this company never notified me of this debt or given me the opportunity to dispute it before it hit my credit report. When I moved from the service address - was not available in my new area and I was told no further debt would be owed because they were not able to establish service at my home....

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ERC Debt collection cont'd attempts collect debt not owed debt is not mine

March 21, 2017 - - has put me in collection for a debt that I do not owe. They have never sent any outstanding balance info and never contacted me once about any unpaid debts. I do not have an account with Enhanced Recovery Corp and do not owe them any money....

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ERC Credit card other

March 18, 2017 - I have recently apply for a mortgage and I was informed that there is negative or derogatory account reference ERC. I Received a phone Call from ERC for a debt they calm i owe for my - account. I wrote a written request for validation with my signature for this account and not succeeded in respond from them and still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus. I request for validation with my signature or timely remove the their record from my credit report....

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ERC Debt collection disclosure verification of debt not given enough info to verify debt

March 17, 2017 - I have not received any type of notice or communication from this debt collector in order to vaildate this debt that I supposedly have...

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ERC Debt collection cont'd attempts collect debt not owed debt is not mine

March 16, 2017 - I never had a - account in my life and my credit shows that i have iask them to correct this many times and they still have done nothing...

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ERC Debt collection cont'd attempts collect debt not owed debt is not mine

March 16, 2017 - I have a enhanced recovery collection company trying to collect a debt. I do n't not owe since -/-/2013 and it 's been on my credit report for 4 years I try to call and get things straighten out but they could n't find a account that belongs to me. I no longer know what to do....

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ERC Debt collection false statements or representation attempted to collect wrong amount

March 14, 2017 - My credit report shows one amount and the collections say I owe another....

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

March 10, 2017 - This company is reporting an amount due to the credit bureaus for an amount that I do not owe. My cell phone bill was paid in full with - when I chose to switch providers....

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ERC Debt collection disclosure verification of debt not given enough info to verify debt

March 10, 2017 - ERC is a debt collector trying to collect debt from -. Unable to verify debt/ amount. No communication from either company and they are reporting on my credit report negatively...

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ERC Debt collection disclosure verification of debt not given enough info to verify debt

March 10, 2017 - ERC is a debt collector trying to collect from sprint. Never received any validation from either debt collectors but they are reporting on my credit report negatively....

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

March 8, 2017 - I got a letter from ERC Debt collectors - -, -, FL - - ( - ) - -. I called them an got through after 3 minutes. I told the representative that this is a falsified debt that I have n't had - in over 10 years and it had been paid in full and that my credit was pulled by real-estate lender 's in the past two years and there was no debt from - or anyone trying to collect a debt on - behalf. They said please hold and they hung up got the busy signal on the phone. I called them back went through the same prompts and got the message to please wait for the next availab...

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ERC Debt collection cont'd attempts collect debt not owed debt is not mine

March 8, 2017 - - is reporting a collection account to - that is not my account. The account is for someone unrelated to me but has the same last name. I have been trying for years to get them to remove it without any help....

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

March 7, 2017 - Received a phone Call from ERC for a debt in - of 2016 Paid debt in full cleared my bank account on - - 2016 still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus....

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ERC Debt collection cont'd attempts collect debt not owed debt is not mine

March 7, 2017 - I received collection notices from ERC Collections ( -/-/- ) reference # - due to a - ( cable/internet ) for $300.00 with - # -. I 've disputed this - bill that was placed on my account since move-in date as I 've been calling - since since -/-/- regarding the internet service not working properly. I was told by various customer reps at - that my notes/records of speaking w - reps on internet issues/relocation fee issues have been erased and no longer on Comcast.I have photos of call logs, photos of internet not working properly and records stating my compla...

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

March 7, 2017 - I received a letter stating I owe $600.00 to - from a collection agency I called - and when spoke to a phone associate and mention I did n't use - and never use there cable or requested there service he mention a name that I do n't know the person when ask to verify if the information they had on file was correct and I let him know that my SS # is mine but not the name they had on file so was transferred to fraud department I told him the same information but now he would n't give me the name and city were the account was open that I had to submit my ID and a police report so I went...

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

March 6, 2017 - This company bought a debt that has been disputed and removed from my credit reports. There is NO CONTRACT or any evidence bearing my signature....

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ERC Debt collection disclosure verification of debt right to dispute notice not received

March 6, 2017 - i had a - Cell Phone account and they were unable to keep the services working that i was paying them for, after multiple Communications with the service department and Store managers and trying a Mini Cell tower in my home the services still were not working Half the time. i communicated my request for them to fix the service or give me credit Both requests went on def ears. i was left with no other choices after being told the problem was their towers but to switch providers as i did over to -. i was a long time customer and the last 1 year and a half was like paying for nothing. Th...

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ERC Debt collection disclosure verification of debt not given enough info to verify debt

March 4, 2017 - THE COLLECTION AGENCY IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS CHARGED OFF BY THE ORIGINAL CREDITOR IN 2005...

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ERC Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

March 3, 2017 - -, - - SOC SEC # - DOB -/-/- ADDRESS - - - -, - -, FL - Todays date : -/-/- Your company have violated FCRA 615 ( f ) ( 15 U.S.C. -/-/-m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place...

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ERC Debt collection disclosure verification of debt not disclosed as an attempt to collect

February 27, 2017 - I have never had - billing, and do not owe any charges for -....

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ERC Debt collection disclosure verification of debt not given enough info to verify debt

February 25, 2017 - This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, ERC and if is now reporting again....

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ERC Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

February 24, 2017 - ERC ACCOUNT NUMBERs : - -/-/- Address : -, -, FL - Phone : - Fax Numbers : - Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordan...

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ERC Debt collection cont'd attempts collect debt not owed debt is not mine

February 24, 2017 - this account is not mine. my account with - is active...

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ERC Debt collection disclosure verification of debt not given enough info to verify debt

February 23, 2017 - Hello on - - i woke up to check my credit account and i saw a new collection account was added to my account. Upon further review this indeed was a collection account that was once removed from my credit report was added on again by the same collector without prior notice. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was -/-/17. Pursuant to the FCRA, I 'd like to be prov...

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

February 23, 2017 - This ERC company do n't understand that I already settled this bill with - - - this is unreal I lost so many point over this I should not have no att bill at all the only bill I had with att I already paid off so I do n't get why they keep harassing me...

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ERC Credit reporting incorrect information on credit report reinserted previously deleted info

February 22, 2017 - This amount was previously removed. It was for - account with -. The equipment was returned and - kept saying the matter would be escalated and the amount removed but nothing was ever done. Now it is reported again. Just today I spoke with another agent - # - she hung up on me when she tried transfering my call. I am tired of this issue. I ca n't resolve anything with -. See attached previous response from Collection agency....

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ERC Debt collection communication tactics threatened to take legal action

February 22, 2017 - I just check my credit report- As I do almost weekly- Apparently I have a - account opened in -/-/- under the married name for my ex-husband- Apparently this account went into collection in -/-/- I never received a statement from - or any collection- My credit report shows a balance of $180.00 from -. If either - or ERC in -, Florida- If they had send me a bill prior to my divorce in -/-/- I would address this issue and had my ex-husband paid this bill....

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

February 21, 2017 - Hi, I had a collection account for a - postpaid phone account which was in collections. I paid the debt in -/-/- through an agreement with the collection company. I just checked my credit report however, and I see that Enhanced Recovery Corp is still reporting - $120.00 unpaid collection account as recently as -/-/-. This is hurting my credit, and they should not be continuing to report the account....

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

February 19, 2017 - Enhanced Recovery Company put a negative item in collections on my report. The company never sent me anything prior to doing so. ERC stated the dept is to - - - but I 've never had services with - - -. After two days of calling - - - and getting nowhere or any verified info of and acct with them, I called ERC and they stated it 's from an old - account that was turned over to - - - after they brought - out. I settled the account with - in -/-/- or -/-/-!...

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ERC Debt collection disclosure verification of debt not given enough info to verify debt

February 17, 2017 - I have asked 3 separate times for a letter saying my debt was paid so I can have it removed from my credit card and the debt company used by - - - can not seem to get me the letter. I only received the collection notice because I moved and never got a bill via US Mail. I need this letter to complete a process and these people are INEPT at getting this done. The company is Enhanced Recovery and their number is -....

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ERC Debt collection cont'd attempts collect debt not owed debt was paid

February 15, 2017 - This complaint is in reference to account - with Enhanced Recovery Corp. According to my credit report ERC took over this account from - in - of 2016 in which I was not aware of this account until ERC listed it on my credit report -/-/2016. Although the account was assigned to ERC and they had the account listed on my credit report I was instructed for the original creditor ( - ) that I could make the payment to them and they would recall the collection from ERC and have the collection removed from my credit report. On - I made payment to the Original creditor ( - - ...

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