topic Re: ERC deleted but still calling me in Rebuilding Your Credit

ERC deleted but still calling me

Anonymous — Thu, 13 May 2021 19:31:36 GMT

Experian deleted a bogus erc collection from my report back in 2020. Got a call from a number which turned out to be ERC. (Didnt answer the call. I just googled the number) Why would they still be calling me? Seems shady.

Re: ERC deleted but still calling me

RobertEG — Thu, 13 May 2021 23:37:19 GMT

I would answer the phone and find out.

As an aside, when you say it was a "bogus collection," was there some sort of official determination that the debt was either not yours or was never delinquent, which would have terminated their collection authority per se?

Re: ERC deleted but still calling me

Anonymous — Fri, 14 May 2021 00:02:07 GMT

@RobertEG wrote:
I would answer the phone and find out.

As an aside, when you say it was a "bogus collection," was there some sort of official determination that the debt was either not yours or was never delinquent, which would have terminated their collection authority per se?

It wasn't mine. I disputed it, and Experian also determined the account was not valid and was deleted as a result.

Re: ERC deleted but still calling me

Cowboys4Life — Fri, 14 May 2021 00:17:12 GMT

@Anonymous wrote:
Experian deleted a bogus erc collection from my report back in 2020. Got a call from a number which turned out to be ERC. (Didnt answer the call. I just googled the number) Why would they still be calling me? Seems shady.

Disputing with the bureaus does not necessarily mean the end of the issue. You need to send a cease and desist letter (do not use a cut and paste letter from the internet) with the basic facts of your situation. i.e.:

Dear ERC:

I have received collection calls regarding account: [creditor] this account is not mine and I refuse to pay it. Cease and desist contacting me about this account.

Sincerely,
Firstthingsfirst

If they continue collection activity after that then you have grounds to sue them under the FDCPA and state laws.

Re: ERC deleted but still calling me

Anonymous — Fri, 14 May 2021 01:24:21 GMT

@Cowboys4Life wrote:
@Anonymous wrote:
Experian deleted a bogus erc collection from my report back in 2020. Got a call from a number which turned out to be ERC. (Didnt answer the call. I just googled the number) Why would they still be calling me? Seems shady.
Disputing with the bureaus does not necessarily mean the end of the issue. You need to send a cease and desist letter (do not use a cut and paste letter from the internet) with the basic facts of your situation. i.e.:

Dear ERC:

I have received collection calls regarding account: [creditor] this account is not mine and I refuse to pay it. Cease and desist contacting me about this account.

Sincerely,
Firstthingsfirst

If they continue collection activity after that then you have grounds to sue them under the FDCPA and state laws.

I'll definitely do this.

Re: ERC deleted but still calling me

babygirl1256 — Fri, 14 May 2021 03:29:48 GMT

@Anonymous I totally agree with @Cowboys4Life because in the past I had to do the same thing, to really shake them up I also included the following statement, "In addition, I am currently utilizing telephone recording devices in order to document all telephone contact." They do not want to be recorded and there are so many free phone recordings available; check your state laws as it's legal in Texas (only one party has to be aware of the recording . . . LOL, that's me, I am aware of the recording. Wishing you great success in finally resolving this issue.

Re: ERC deleted but still calling me

Anonymous — Sun, 23 May 2021 15:31:53 GMT

I hope this has been resolved for you. I had a large one through them for an ATT bill that was not mine. After disputing the charge it was removed from all three CRA's. They called me once after that, I didn't answer. Then they sent me a letter confirming that the debt could not be validated and that they are ceasing all collection activity.

Between the deletion and the letter it was about 3 weeks.

Re: ERC deleted but still calling me

FireMedic1 — Sun, 23 May 2021 16:03:05 GMT

Life's too short. Block the number. Trying to get that last ditch effort to see if you'd fall and pay it. Just like the zombie collectors.

Re: ERC deleted but still calling me

designated_knitter — Sun, 23 May 2021 20:50:21 GMT

I have also had good luck reporting collection agencies to the state attorney general. If they run afoul of state law, they could lose their license to collect in this state.

ive only made 3 complaints about various things to our state AG but they have always responded.