Consumer complaint received 2017-11-01
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
COMPLAINT : XXXX XXXX as reported on XXXX [ only ] In XX/XX/XXXX I opened a XXXX  account by purchasing my own flip phone. This was 8 years before the XXXX. I maintained my contract in good standing over three, 2 year renewable periods, 6 years total. 

Then I did not need a cell phone anymore, did not renew, and signed up for what XXXX called a dormant account, which meant I could use the same phone number and voicemail only. No physical phone was involved. That was {$9.00} a month. At time of change from physical phone to voice mail only, I owed XXXX nothing, nada, XXXX. I never had, nor do I have now, any XXXX phone equipment. This is way before the XXXX, if you can think back that far in time. 

I used the voice mail only account for approximately one calendar year, paid my final bill and closed the account. All was well and good. Done with XXXX. No need for a cell phone. I do not use phones for religious reasons. 

Now 6 years later XXXX and the 4th place collection company ERC say I owe {$370.00}, which is crazy and impossible. I owe them nothing. When I disputed the debt to XXXX XXXX all I got was a bill for {$370.00}. They could not provide me written confirmation with a signature ; or any other proof I owe a debt. Now to make matters worse, instead of the time clock starting in in XX/XX/XXXX or XX/XX/XXXX, which is when XXXX allege the debt originated, ERC is claiming the debt started in XX/XX/XXXX. This incorrect reporting of alleged original debt date is violating the FDCPA, as is them reporting I have a debt at all. 

XXXX & XXXX have removed the debt from my file. 

XXXX refuses to remove. 

I need to have the CFPB contact XXXX and have them remove this debt now. ERC is useless. 

My credit report has XXXX entries, other than this alleged debt. The reason for this is I do not engage in debt in any way shape or form. This may seem strange to you, but for religious reasons I do not borrow or owe any individual or entity, money. I want my credit report to reflect this. I want a blank sheet of paper as my credit report. 

Since I do not owe them money, and they have no proof I owe them money, the alleged debt should be removed. In the interim, the date of alleged debt should be reduced to XX/XX/XXXX or XX/XX/XXXX, as I am not sure what they claim I owe. 

I would not have moved easily from the contract stage to the dormant stage if I owed them {$370.00}. 

{$370.00} could not have accrued for 37 months at {$9.00} a month. These people are in a word, insane. 


Also the 4th place collection firm ERC needs to be formally investigated as they are malicious in their reporting of the debt. Please take care of this and stop companies like this from thriving and preying on debt free religious citizens. Check on ERC, they are dirty nasty people who have no XXXX to guide them. Thank you. 

TELL ERC TO SEND YOU A COPY OF A CONTRACT WHICH I SIGNED. CELL PHONE AND CABLE COMPANIES ALL USED TO USE SIGNED CONTRACTS TO BITE YOU LIKE A RAVENOUS VAMPIRE! ERC [ OR XXXX ] HAS NO SUCH CONTRACT. 2 OF 3 CREDIT BUREAUS REMOVED THIS FAKE ALLEGED DEBT. 

I have XXXX credit and I do n't want any credit. I have no motive. I will never pay these dummies a penny. I have XXXX entries on any credit reports other than this alleged fake entry. 

XXXX XXXX XXXX

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