Consumer complaint received 2022-01-25
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : This complaint is against Enhanced Recovery Company , LLC. 

Name : XXXX XXXX Creditor : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX : XXXX  Original Account # : XXXX Reference Number : XXXX Status : Closed Original Balance : {$320.00} Paid to Date : {$530.00} Current Balance : {$0.00} I am requesting that this debt be removed from my credit report with all three credit bureaus. 

I am requesting this on the grounds that I was never notified of it and thus had no opportunity to repay it. 

First, this account refers to a charge on a XXXX XXXX XXXX account I closed 12 years ago, in XXXX. XXXX XXXX XXXX, does not exist anymore. It has become XXXX XXXX XXXX which I have never done business with and have never had an account with. In XXXX, I left my address at XXXX XXXX XXXX in XXXX permanently. In XXXX, after which I moved to my parents residence at XXXX XXXX XXXX XXXX, XXXX, and in XXXX, I moved abroad and changed my primary residence to XXXX XXXX, XXXX, XXXX XXXX XXXX, while my US mailing address remains XXXX XXXX XXXX XXXX. Thus, I have not lived at XXXX XXXX XXXX in 12 years. 

According to information listed in my account on ERC.com, the creditor made only two attempts to communicate with me about this debt, once on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. Both were letters addressed to me XXXX XXXX XXXX, an address which, at the time the first letter was sent, I had not lived for 9 years. It is a violation of the Fair Credit Reporting Act to send the only notification of this debt to an address at which I have not lived for 9 years. Consequently, I only found out about this debt in XX/XX/XXXX ( this month ) when I logged into my credit report.I do not consider this adequate notice to dispute the debt. Furthermore, by the time the first contact was attempted with me in XXXX, this debt had already passed the statue of limitations for collection in New York State. 

Furthermore, I will note that XXXX XXXX XXXX, the original creditor, no longer exists. It has become XXXX XXXX XXXX which I have never done business with and have never had an account with. I have never received any communication about this debt from XXXX XXXX XXXX or XXXX XXXX. 

The original date given on my credit report, for this debt is XX/XX/XXXX, which is extremely misleading and implies that the debt was recent. It is not recent. It is 12 years old and from a company that no longer exists. Had it been added to the report 12 years ago when it actually originated, the statute of limitations in New York State would have required it to be removed from my credit report already. Thus, it is unreasonable that it is still there. It is inaccurate and is severely harming my credit and I am requesting that it be removed immediately. 

As a show of goodwill, I repaid the debt in full on XXXX XXXX. 

I have attached a photo ID card from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which proves that my primary residence has been in the XXXX XXXX XXXX since XXXX XXXX, XXXX, long before your letters were sent. 

I have also attached the two letters that were only methods of communication about the debt, according to the ERC 's own website, and which I never received until I logged into the site this year after being informed about the debt due to its inclusion on my credit report. 

I do not wish to escalate this matter further, so again, I am requesting that this debt, which is now fully paid, be promptly and completely removed from my credit report with all three credit bureaus. 

Thank you for your prompt cooperation in this matter.

Company response to consumer: Closed with explanation