ERC COLLECTIONS..ADVICE PLEASE

K_MOMMY · ‎06-13-2016

Long story short, ERC reported a collections on my reports 05/2016, OC Sprint. I quickly disputed it. About a week later via CK the dispute results are "UPDATED". Another 2 weeks or so past by, when I received another alert from CK..the ERC Collections had been removed! Fast forward to 06/11/16- via CK alerts, a new collections account has been reported on my credit reports, low and behold, it's them AGAIN! ERC (Enhanced Recovery Collections or Corp.) 🤔 I can't remember which it is, lol. Same Sprint account their trying to collect on. Of course, I dispute it again, the debt is valid, the amount I'm not sure🤔 The account is from 02/2015 but they are reporting it as Opened 03/2016, why? Why would they delete it, and then report it again? Anyone familiar with ERC that can give some kind of insight as to what this means?

RobertEG · ‎06-13-2016

When you say that you "disputed," do you mean that you sent a DV request, or filed a dispute of accuracy of their reporting under the FCRA?

If it was a DV request, was it timely?

If it was a dispute under the FCRA, did you get a Notice of Results of Reinvestigation from the CRA?

K_MOMMY · ‎06-13-2016

No DV, just disputed through CK. Results came back "updated", it didn't appear to have any changes, then poof! It was gone.
Should I request a DV? Would you happen to know why the re-entered the collection onto my reports? Sorry for the loads of questions, I just want to figure out the correct steps to take.

RonM21 · ‎06-14-2016

Is the debt legitimately yours? If so, they can update the report at any time.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

K_MOMMY · ‎06-14-2016

The debt is mine, it's the amount of the collection I don't believe is accurate.
They are reporting it opened 03/2106, making it look as if the account just happened. Is that normal?

Anonymous · ‎06-14-2016

In this case, the 'opened' date is probably when ERC got the debt

RobertEG · ‎06-14-2016

It appears the dispute was resolved by verification of accuracy of the Date Opened.

If they sent a dunning notice more than 30 days ago, a DV would not now be timely, and they could choose to ignore it.