E.R. Solutions Collection Agency

I want to report my less-than-pleasant experience with E. R. Solutions Collections Agency, in Renton, Washington. E.R. Solutions is reporting a collection account on my credit reports in the amount of $397.00 and Washington Mutual as the creditor. E.R. Solutions is violating Section 623(a)(1) through (2) of the Fair Credit Reporting Act. These sections specify that any entity that reports information to credit bureaus must report accurate information and has a duty to update and correct inaccurate information. E.R. Solutions is guilty of the following:

1. furnishing information to a consumer reporting agency when they know or consciously avoid knowing that the information is inaccurate;

2. failing to notify promptly a consumer reporting agency that this information is incomplete or inaccurate, after so determined;

3. furnishing adverse information to consumer reporting agencies without disclosing that the consumer has disputed the information being reported; and

4. falsely reporting the amount and date of delinquency of a debt.

E.R. Solutions NEVER called or corresponded with me prior to reporting the collection account on my credit reports.

The reason I am aware of the collection account on my credit report is because I receive alerts from MyFico.com and Truecredit.com whenever there are changes to my credit reports, which I monitor regularly.

Since E.R. Solutions has not responded to my three "letters of validation" which I sent via Certified Mail RRR, I have telephoned Washington Mutual’s Loss Management Department at (866) 513-9186 and Washington Mutual could not find my name or social security number in their system. In addition, I have never done business with Washington Mutual.

I have copied the three credit bureaus on all correspondence to E.R. Solutions, and now, 45 days later, the derogatory information still sits on my credit reports.

I just filed complaints with the Better Business Bureau in Renton, WA http://worf.usshurdman.com/~seatac/commonroster.html?tob=60259 of which E.R. Solutions is a member, and I have filed a complaint with the Federal Trade Commission.

Many collection agencies tend violate laws and the consumer needs to be on guard and we must educate ourselves on how to fight back. We have rights and when they are violated, we need to take action. The Internet is a valuable tool in getting the information necessary to fight companies such as E.R. Solutions. Something needs to be done to stop this company from its unethical practices.

Comment On This

i keep getting calls from your co. on my cell phone 484-951-8356 your looking for harry baxter iam not harry baxter i just recieved a call to this nature about half hour ago when i told them i am not harry baxter and to stop calling they hung up on me. stop calling or i will take appropiate action to stop such calls. please email me at bunguu AT aol.com to confirm you have read this,email a answear today asap tnx.

Comment On This

I know this information will be helpful to you. I have a credit restoration company in Charlotte, NC. If you want to see results with getting this information removed follow these steps:

1) File an identity theft police report with your local police department explaining the details about this account.

2) Take a copy of this report with a dispute letter, copy of license, copy of SS Card, and two utility bills and mail these documents to each bureau for investigation.

3) The bureaus WILL delete this fraudulent account from your report Guaranteed!

For more information feel free to go to my website: www.IMPROVECREDIT.biz

Comment On This

I also want to thank the author for the above posting regarding ER Solutions, and for recommending contacting the BBB.

I too have recently received an alert from a credit monitoring service, to find out that ER Solutions erroneously posted a collection notice for $789.00 on my credit report from a fraudulent creditor, Chase, with whom I have never had any association.

Incidently, this is the second time within a six-month period, that ER Solutions has done this to my credit file, and with the same fraudulent creditor.

When I contacted ER Solutions, they too had an incorrect social security number and home address. Their solution was recommending that I file a dispute with TransUnion -- the other two agencies had zero collections on file.

When I contacted TransUnion, they stated that I will need to wait up to thirty days to receive determination.

Coincidently, the ER Solutions posting on my credit happened two days prior to when a legitimate creditor, with whom I requested a credit line increase, made an inquiry on my credit file.

Comment On This

I am the author of this statement and I am happy to announce that soon after I posted this complaint and contacted the BBB, E.R. Solutions removed the derogatory information from all of my credit reports. Do not give up. Type those letters, have them validate beyond the shadow of a doubt the debt is yours or they have 45 days to remove what they are reporting.

Comment On This

I want to take the time to thank you for your insightful and informative complaint regarding ER Solutions. We are having similar difficulties with them and your information will help immensely. It is so refreshing to see people taking advantage of the internet as a tool rather than just entertainment. Again, thank you very much.