Consumer complaint received 2020-07-16
Company: ERC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ERC is the latest collection company XXXX XXXX XXXX has used to take out a collection on me XXXX XXXX XXXX has violated the fair credit reporting act in the fair debt collection practices multiple times against me by having to open collections on me at the same time for the same account for the same account balance with different opening dates one is always active on my credit report while the other is always active on a piece of paper or nonstop phone calls where I am not being given information about what its,? ERC is the latest collection company XXXX XXXX XXXX has used to take out a collection on me XXXX XXXX XXXX has violated the fair credit reporting act in the fair debt collection practices multiple times against me by having to open collections on me at the same time for the same account for the same account balance with different opening dates one is always active on my credit report while the other is always active on a piece of paper or nonstop phone calls where I am not being given information about what its for, ERC placed a credit collection on behalf of XXXX XXXX XXXX on my credit report today XX/XX/2020 They sent me no verification of debt Or any verification whatsoever they place it on my credit report today it has not been on there at all before today the fact is theyre stating that they placed it there earlier than today which is XXXX because I pay to monitor all three credit bureaus 24 seven 365 days a year which for people at ERC which are too stupid to know that thats a whole year idiots, or any verification whatsoever they placed it on my credit report today it has not been on there at all before today the fact is theyre stating that they placed it there earlier than today which is XXXX because I pay to monitor all three credit bureaus 24 seven 365 days a year which for people at ERC which are too stupid to know that thats a whole year idiots They state that they open the account on XX/XX/2020, but yet no Notice was ever sent and nothing was physically opened or on my report until today XX/XX/2020, I read up on ERC and they have had more complaints against them for refusal to validate that and refusal to ever send any notification before listing a debt which is 100 % illegal and is both a violation of the FTC in the FDCP they have done it to multiple people I have seen multiple complaints that equal over 800 complaints for the same thing but yet they are still allowed to stay in business and continue to make these violations why the XXXX are they allowed to get away with it, as well as its kind of funny they say they opened it on XX/XX/2020 when I had another active collection on my report that I got removed two days before they state theirs was opened on my report that I got removed because of the proof I had of the violations for having two active collections at the same time in the same account over and over and over again from XXXX XXXX XXXX. The fact of the matter is XXXX XXXX XXXX continue to charge me for service with them when I switch cell phone providers to another company where XXXX XXXX XXXX was called and told to close the account and nothing was done I have witnesses because I refuse to ever call any company that thinks that kind of XXXX lie so I always have a XXXX witnesses.

Company response to consumer: Closed with explanation