ERC Debt Collection Complaint

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

ERC Debt collection department,

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

I am wanting to make sure that this debt is being reported accurately on my credit report. On -/-/16, I sent a 2nd request for validation of debt via traceable mail. The letter was received on -/-/16. On -/-/16 a dispute letter was sent to - to challenge the validity of the debt and make sure it was reporting 100 % accurate. On -/-/16 Enhanced Recovery Corp responded to the - dispute with a statement " Verifying '' the account and it 's correct and accurate reporting. The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer request is received. By them verifying the debt with Equifax without validating the debt, they violated the FDCPA. Furthermore, Enhanced Recovery Corp failed to report the item as " in dispute '' with -..which is another violation of the FDCPA.

ERC customer in Texas
Dec 13, 2016

* Source: CFPB Complaint Database

ERC response to complaint:
Closed

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Contact ERC

https://pay.ercbpo.com/app/default.aspx
(800) 861-9730 
[email protected]
8014 Bayberry Rd 
Jacksonville FL 32256

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