Consumer complaint received 2018-09-13
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am Submitting a formal Complaint to XXXX in reference to XXXX XXXX XXXX telecumunication Cell phone provider Under the Fair Debt Collection Practice Act.XXXX XXXX XXXX whom I had prior Service original date XX/XX/XXXX to approximat date of termination XX/XX/XXXX.because of the excessive charges and overcharged on monthly service, I terminatated my service with XXXX XXXX XXXX I paid off my last outstanding Bill of {$390.00} which I believe was incorrect, on XX/XX/XXXX new charges were XXXX at {$830.00} I have Documents as proof and will submit to CFPB moving forward to XX/XX/XXXX I contacted XXXX XXXX XXXX and disputed the excessive overcharged XXXX XXXX XXXX ignore my formal dispute approximately two years went by and on XXXX XXXX XXXX, I received a Collection Letter from XXXX XXXX XXXX Company XXXX XXXX XXXX FL XXXX for the amount of {$830.00} an Unvalidated unverfied Debt that the Unvalidated Acct placed for Collection and if I didn't pay within 30 days they will report to the 3 CRAs Repositories the bad debt on XXXX  and XXXX  I sent ERC Collection a Certified Validation Letter to dispute charges ERC Receipt my dispute and again failed to validate acct under the Fair Debt Collection Practice Act I needed complete Validation as legally requested I have Documents to submit according to FDCP 15U.S.C.169g of the FDCPractice on or about XX/XX/XXXX I received letter again from ERC and ERC wanted to Settle unverfied debt before they post negative to Credit bureaus two weeks past I received notice from Credit bureus that a ERC posted Derogatory remarks and Collection dropping my good credit score XXXX points! this has done Great intentionally damage to my credit score and intentionally act by ERC Collection Company whom were not in compliance with Validation Rules implented by the Fair Debt Collection Act and practice.I am absolutely certain that the items I Disputed were incorrect Unvalidated I am excercising my rights Under the FCRA 611 ( a ) ( 7 ) .to validate and received complete Description If any action which is considered detrimental to any of my credit reports ERC Fragrantly continued to place this Collection activity unverfied acct knowing well Creditor furnisher never implemented or Legally Verified these erroneous Accounts I will consult with with legal counsel and if ERC fails to Delete these Derogatory Mark 's I am a Latigous person and will pursue litigation in the interim further more I am a XXXX Military retired Veteran who has work very hard in established good Credit I have previously sent my Second Letter to ERC to validate the debt they claim under the FCDC Act and all I received was an itemized list of aledged charges they claim this does not meet Federal Trade Commission guidlines of what constitutes proper Validation under the guidlines and procedures when a Furnisher provids information to CRAs to insure the accuracy of informattive they post and is 100 percent accurate they most establish and implent written policies and procedures regarding the accuracy and integrety of informattive they furnish to the CRAs and Guidlines FCRA Section 623 ( a ) ( 1 ) ( c ) and ERC did not conform to these standards please note I have also received phone calls and Predetory messages in an attempt to collect a debt I believe was never legally Validatted in Violation of my privacy rights to sumerise I do hope by posting this negative action by a collection agency ERC that I am formally demanding to excercises my rights and delete this Derogatory action from my Credit report Defamation action by ERC .thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation