Consumer complaint received 2021-08-19
Company: ERC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections opened on XX/XX/XXXX - I have not received on notice or any correspondence of this account. It is now XX/XX/XXXX and I just now get notice thru email because of XXXX. They posted it to my Credit Report on XX/XX/XXXX. 
On XX/XX/XXXX I received an email alert from my XXXX  account. I contacted Enhanced Rocovery to request information on this account. I have never received one call nor a one letter of correspondance on this matter. The address they are saying this is in connection to is my old address I shared with my ex husband and I have not lived at the residence since XX/XX/XXXX. I was told by the person I spoke to at ERC said it was most likely a cell phone debt but I have had a prepaid cell phone plan since XXXX. 
ERC, collections for XXXX XXXX, I have never received any correspondence from XXXX XXXX or ERC. 

I have never heard of ERC and I am not certain what or who XXXX  XXXX  is. 

XX/XX/XXXX Is the first time I had seen or heard of any account in my name. I was alerted in my email account due to the collections updating to my XXXX  account. 

XX/XX/XXXX at XXXX XXXX  I contacted ERC to get as much information as possible on this issue of the {$450.00} that is in collections. 

I spoke with two ladies. The first lady offered a payoff amount {$370.00}, I wanted to know exactly who and what this account is and for. The first lady said it would most likely be a cell phone account. I informed her I have had a prepaid cell phone since XXXX and that I should not have a collection for a cell phone. I was then placed on hold to wait for a supervisor. 

The supervisor came on the line and offered me to pay off the entire debt for XXXX. 

I asked again who the account was for, she said cable, telecommunications companies and that this was for the residence of XXXX XXXX XXXX. 

I moved out of XXXX XXXX XXXX in XXXX of XXXX which I shared the home with my ex-husband. 

Most of my time living at XXXX XXXX XXXX my mother had set up my internet and tv in her name and paid it for a long time to help me get back on track. 

Once she ended the service my ex-husband was working full time and he set up the internet and cable. 

My ex-husband was in control of finances, and he set up most bills. Once divorce was finalized, I was educated on the different accounts that were unpaid and in my name. 

I thought I had taken care of any account or credit my ex-husband had taken out in my name. 

I had no idea what was on my credit until I needed to get a loan for a vehicle after my car was totaled. That was XX/XX/XXXX. 

I have had excellent payment history for over a year. I have not missed a payment and I have work extremely hard on my credit and finances. 

Now out of the blue, there is a collection account on my credit. 

The address that they had for me was, Like I had mentioned I have not lived there since XX/XX/XXXX. 

The account balance states XXXX but in a 20-minute phone conversation the price went down to XXXX then down to XXXX. 

Can someone please let me know what the best course of action is XXXX : XXXX XXXX  : XXXX XXXX  : XXXX The above hyper link is the website I looked at for the information on how to contact ENHANCED RECOVERY CO L Original creditor : XXXX XXXX  {$450.00} Balance updated XX/XX/XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$450.00} Balance {$450.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 

If inaccurate information appears on your report, you can contact the lender directly to have it corrected or let us know online or by mail.

Company response to consumer: Closed with explanation