Consumer complaint received 2015-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (VA)

I was contacted by this Company XXXX XXXX concerning a XXXX $ debt from XXXX. I called the company and asked them what was the statue of limitations of this debt and followed up with a mailed correspondence letter The exact same day dated XXXX/XXXX/XXXX ( attached ) I requested them to validate the debt and that I wish to deal with the original creditor Informing them that I have disputed this debt in writing within XXXX days of receipt of their dunning notice, and they must obtain verification of the debt or a copy of the judgment against me and mail these items to me at their expense in which they never did .On XXXX XXXX They reported this negative debt information from XXXX on my Credit report, and never followed up with me with any of the information my correspondence letter requested. On XXXX/XXXX/XXXX I spoke to two representatives XXXX XXXX and XXXX XXXX And I was told that they report all debt regardless if the statue of limitations has pass and their required to report based on the date they acquire the debt. They also said that they will now 4 months later send me the information I requested after they already posted their derogatory remarks on my previous perfect credit report which I worked the past XXXX years to clean up any pay and debt owed.My credit was perfect around XXXX This XXXX negative remark has prevented me from getting credit Given the fact its showing as an unpaid recent collection. this is what i wrote to them. Dear Enhanced Recovery Company , LLC, I am writing in response to your letter dated XXXX/XXXX/XXXX, ( copy enclosed ) because I do not owe what you say I owe. This is the XXXX I 've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt and the date the alleged debt occurred ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in the state of Virginia Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, you can not add interest or fees except those allowedyou do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. should you pursue a judgment without validating this debt,