ERC Debt Collection Complaint

ERC Debt collection department,

Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine California

On - -, - I received notification from Enhanced Recovery Service ( ERC ) claiming I supposedly owe a debt to them ( Doc A ) ; ERC did not provide me 30 days to dispute the validity of the debt. On - -, - ERC reported that same invalid debt to the Credit Bureaus on my credit report ( Doc B ) to defamed my character and cause me grave financial harm. On - -, - ERC again reported ( Doc C ), or updated the invalid debt to my credit report to cause me grave financial injury. Also per ERC reporting, the statutes of limitation have long been expired on the collection of this invalid debt. ERC reported a balance date of " - -, - ''. There are several inconsistencies with ERC notifications that a reasonable person can not state ERC 's claim is valid. ( Doc A, B, C, D ). ERC is only doing this to cause me financial harm.


I will file separate legal action against ERC to recover damages for : defamation of character ; causing me grave financial harm in a Court of law. I am required to seek the penalties imposed by the Acts from the Federal Trade Commission ( FTC ) and/or Consumer Financial Protection Bureau ( CFPB ), before filing legal action to recover for the same violations and abuse of my rights. ERC violated the statutes of the Acts. This Agency has the authority and jurisdiction under the Acts to recover penalties on my behalf instead of filing legal action on my own.