Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (ME)

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.