Consumer complaint received 2022-02-28
Company: ERC
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my report I came across XXXX inquiry I did not recognize. From a company named ERC who I have never conducted a transaction or business with .They have pulled my report for the second year in a row and the same month without my permission. I contacted the company and they were making claims of me to owe an alleged debt. I disagreed and asked to send me proof of such debt pursuant 15 usc 1692 G .I have not gotten proof of the alleged date to date but the inquiry was unauthorized and I would like to know how they were able to obtain my consumer report without my permission. They have also violated XXXX XXXX XXXX for obtaining my social to use to pull my consumer report .I have attached all exhibits including a demand for payment. I am go to copy and past letter and attach as well .I did not give ERC to Obtain my consumer report this will mark the second time as they ignored all demands first time on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N.H XXXX 


Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$2000.00} Settlement. 


To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my " XXXX '' consumer report on XX/XX/XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
" A person shall not use or obtain a consumer report for any purpose unless ; XXXX. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
XXXXThe purpose is certified in accordance with section XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


I have not initiated any transaction with ENHANCED RECOVERY MANAGEMENT '', Further, I do not have an " account '' as defined under 15 U.S.C. 1693a ( XXXX ) with Credit for review or collection. 


Furthermore, under the FCRA, " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both, 15 U, S.C. 1681n ( a ). 

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. 


XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified, Remedy : Please send payment Via Check Payable to XXXX XXXX to the address ( XXXX XXXX XXXX XXXX XXXX, XXXX, N.H. XXXX } Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation