ERC Debt Collection Complaint

ERC Debt collection department,

Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt New York

I received repeated calls from a company claiming to be collecting a debt from a - year old - acct in the amt of $42.00. I asked repeatedly to send me a proof of debt or anything showing a bill where I owed. I never received anything from them but, an email with a letter attached with their company letter head and a line saying I owed them. Then during this process I moved to - and started the finance process of buying a home. Due to the amount of time it takes up here to close my credit with the lender expired causing them to run it again. When they ran my credit again my score dropped - points thus raising my rates because Enhanced Recovery Co. ( ERC ) reported the $42.00 debt to the credit bureaus. I immediately called ERC and disputed the claim. They advised me that the only form of communication sent to me regarding the debt was mailed to an address I no longer live at in -. I asked why they never contacted me in other ways ( phone call or email ) and they gave no explanation. They emailed me a letter ( illegal in the - ) that went to the credit bureaus ( attached ) at that point requesting it be deleted from my record. At this point my mortgage has risen from $1800.00 to $2000.00, up $160.00 a month over a $42.00 debt that no one has provided me any proof of owing. How is this legal? I close on my house in a week and - - has asked for a " rapid re-score '' but the timing of the credit bureaus removing is not immediate and the company that re-scores takes 3-5 days and is currently waiting on an additional verification from ERC that it was submitted for deletion? How do they get the right to verify the deletion when they received a letter from ERC but I am not provided with any verification when I request it. All of this over $42.00.