Consumer complaint received 2023-04-14
Company: ERC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This collection agency is violating by rights as per the FCRA, they continue to answer XXXX disputes INCORRECTLY. I can provide ALL of the supporting documentation if needed, as I have given this to XXXX and they continue to believe the collection company even though I am providing all the receipts and status of my collection! The intention of me reaching out to CFBP is for my collection to be ACCURATELY reported as PAID IN FULL and status as CLOSED. 

Here is the timeline : On XX/XX/XXXX, I paid a collection in FULL in the amount of {$1000.00} to ERC Collection ( ercbpo.com ). I logged in to ercbpo.com and verified that the collection is displaying " Paid in full '' and " Closed ''. 

On XX/XX/XXXX, The collection was updated in XXXX as Paid and status is Closed ( which is what I expected ). I checked my XXXX report and it was still displaying as status " Open '' and " Unpaid ''. 

XXXX Dispute Attempt # 1 - Dispute Date : XX/XX/XXXX I disputed ERC Collection as the incorrect amount and status. On XX/XX/XXXX, I received a response from XXXX stating that the account was " verified as accurate ''. Account is listed as " Open '' and " Unpaid '' which is INACCURATE. This dispute was completed on XX/XX/XXXX. 

XXXX Dispute Attempt # 2 - Dispute Date : XX/XX/XXXX I disputed ERC Collection as the incorrect amount and status, with RECEIPTS and PROOF showing that the collection in ERC is PAID and status is CLOSED. On XX/XX/XXXX, I received a response from XXXX stating that the " disputed information updated ''. Account is now listed as status " Open '' and " Paid '' which is INACCURATE. The account should be listed as PAID and status CLOSED just like it is in XXXX and in the erc portal itself. 

XXXX XXXX XXXX # XXXX - Dispute Date : XX/XX/XXXX On XX/XX/XXXX, I decided to CALL XXXX and ask them why the status is open when I sent them proof that it should be closed - directly from the debt collector. The agent said that the collection agency didnt update the status so we will need to file ANOTHER dispute. Via this call, I disputed ERC Collection as the incorrect amount and status, AGAIN with RECEIPTS and PROOF showing that the collection in ERC is PAID and status is CLOSED. I have yet to receive a response- the response should be done by XX/XX/XXXX. 

Attempt to contact XXXX via call - XX/XX/XXXX I called XXXX again - very frustrated asking them how long its going to take as I am trying to purchase a home and this information is incorrect. the representative told me that there is nothing they can do - that ERC has not responded to them yet on the dispute. The representative suggested that I call the collection agency. 

Attempt to call ERC # XXXX - XX/XX/XXXX I called ERC at XXXX. I went through their automated system, which was transferring me to a representative. As soon as that call went through, the representative hung up the call so I had to dial again. 

Attempt to call ERC # XXXX - XX/XX/XXXX I called ERC at XXXX. I went through their automated system, which was transferring me to a representative. As soon as that call went through, the representative hung up the call so I had to dial again. 

Attempt to call ERC # XXXX - XX/XX/XXXX I called ERC at XXXX. I went through their automated system, which was transferring me to a representative. As soon as that call went through, FINALLY the representative answered and as soon as I told him its about a dispute, he routed me to the SAME automated system where I was hung up on. 

Attempt to EMAIL ERC # XXXX - XX/XX/XXXX I emailed ERC explaining the same issue I am explaining here and they responded with " we can not delete an account from your credit '' - which I AM NOT ASKING THEM TO DO THAT, I AM ASKING THEM TO UPDATE THE STATUS. We went back and forth a few times, I told them that I have tried calling them NUMEROUS times, in which XXXX XXXX ( the manager ) gave me a new number : XXXX. 

Attempt to CALL ERC # XXXX, # XXXX, # XXXX, # XXXX - XX/XX/XXXX I called the number : XXXX. The phone would ring XXXX then be sent to voicemail, which I left a voice message. 

Attempt to EMAIL ERC # XXXX - XX/XX/XXXX I emailed ERC again letting them know that I only get sent to voice message in which they responded again that I need to call. 


I have not received a call back from them nor have I been able to talk to someone as they are asking me to do. I need this fixed on my credit, please help!

Company response to consumer: Closed with explanation