Complaint #1394602 submitted on 05/27/2015 relating to ERC Holdings LLC. Complaint relates to Debt collection Other (i.e. phone, health club, etc.) - Cont'd attempts collect debt not owed Debt is not mine.
Complaint was submitted via Web and sent to the company on Wednesday 27th May 2015.
I found out from a free credit report XXXX XXXX XXXX XXXX that a collection agency called Enhanced Recovery Company erroneously reported a debt of US {$350.00} that I 'owed ' to XXXX. This immediately caught my attention because I have never had a XXXX account. I called XXXX and reported that this was an error, to which they replied that they will investigate. I also called XXXX and gave them my social security number, and XXXX verified on the phone that they do not have any record of anyone with my social security number opening an account with them. I had informed XXXX of this as well, but later found out that XXXX 'investigated ' this issue and confirmed the 'debt '.
I then contacted the collection agency, and the customer representative gave me the last XXXX digits of the social security number of the person who actually owed XXXX, and this was not my social security number. I was then informed by the customer representative that I will have to send a letter explaining the situation, and a copy of my ID and social security card to the collection agency for verification.
I truly can not understand how a debt can be so easily reported to the credit report bureaus without verifying someone 's social security number, and the credit reporting companies just post that erroneous report which negatively influences my credit score. Now, I have to send my very personal ID and social security information to a credit collection agency that I do not trust.
| Company | ERC Holdings LLC |
| Complaint ID | 1394602 |
| Date Received | 05/27/2015 |
| Product | Debt collection Other (i.e. phone, health club, etc.) |
| Issue | Cont'd attempts collect debt not owed Debt is not mine |
| State/ZIP Code | NY 100XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company believes it acted appropriately as authorized by contract or law |
| Company Response To Customer | Closed with non-monetary relief |
| Submitted | Web 05/27/2015 |
| Result | Timely Response: Yes, Consumer Disputed: Yes |
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