ERC Debt Collection Complaint

ERC Debt collection department,

Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Louisiana

This debt buyer PARKED a collection on my credit reports without my knowledge and in doing so, they are in violation the FDCPA 809 ( a ) Collection Practice of placing a collection account on my credit reports without sending a dunning letter to me. - - - also failed to follow FDCPA 809 ( a ) by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. Upon reading my credit reports a collection for this alleged debt has already been added, and removed by another debt buyer ( Enhanced Recovery ) and by them! The collections were removed by - on - -, - and was removed by ( ERC ) on - -, -, reinserted and then removed again on - - -.


-. Registration/License Number that allows them to collect in the state of Louisiana! 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.