Consumer complaint received 2018-10-05
Company: ERC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed a negative entry on my credit reports in XX/XX/2018. This item was listed by a collection agency and the information furnisher and credit bureaus were not able to verify the validity of the information and it was removed. I also disputed the information and requested an investigation under Section 623 of the FCRA with XXXX, who was listed as an original creditor for the information. XXXX did not initially respond and stands in violation of the requirements outlined in the FCRA. This was sent to a different collection agency who placed it back on my credit report. I disputed the information with XXXX XXXX XXXX and the credit bureaus, as it is not mine. I have never had an account with XXXX and no proof of any contract has been provided. XXXX responded many months later after the initial dispute in XXXX, and admitted that they do not have a contract I signed at anytime with them, but insists that this account belongs to me with no proof and refuses to realize an error has been made. The collection agency ERC has not even provided proof they were assigned or purchased the debt as requested. XXXX XXXX XXXX responded to my request for validation with a computer generated printout of the alleged debt that did not prove ownership of the account, which the FTC has issued an opinion that this does not constitute validity under the FDCPA. ERC did not provide sufficient information to verify the validity of the account as belonging to me, however continues to report this information knowing it has not been properly validated. The credit bureaus claim to have verified the information, but this is not possible due to the fact that the listed creditor, XXXX, did not respond and stands in violation of the FCRA, and the fact that the collection agency reporting the debt did not respond with sufficient information to constitute validation. The credit bureaus have not conducted a through investigation in violation of the FCRA. They have not detailed their method of investigation as requested. If in fact they conducted an investigation, which they did not, they would have discovered the information was placed on my report as an error and that there has been no proof of validity or required response from XXXX. The continued listing of this information is a violation of the FDCPA on the part of ERC and a violation of the FCRA by all parties named : XXXX, ERC, and the 3 major credit bureaus, who have not complied with these requirements. To add insult to injury, the collection agency ERC even wrongly noted my credit report that their reporting is accurate and meets the requirements of information furnishers under the FCRA, but it does not. These parties involved have been made aware of the dispute and violations of consumer rights via letters I have written and have been willfully non-compliant with requirements outlined in the FDCPA and FCRA. I have attached the letters I wrote to all parties involved to demonstrate the extent of willful non-compliance on all parts with regard to this matter. The responses given and lack of proper action by ERC, XXXX, and the 3 Credit Bureaus is an attempt to falsely verify the account, to invalidate my consumer rights and violations complaints, and to obfuscate non-compliance with federal statues ( FDCPA and FCRA ) that allow for those consumer rights.

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