CFPB · Higher closed-with-relief share

Erc

12.4K CFPB complaints · 25% relief (high band) · top issue Attempts to collect debt not owed.

Products ↓ All companies
12.4K CFPB complaints

Erc closes 25% with relief (upper third) on 12.4K filings. Timely 99.7% · top product Debt collection. Allegations, not findings.

  • Volume rank #57 of 342
  • Higher closed-with-relief share
  • -97.4% filings 2013 to 2024

CFPB relief outcome brief

CCDB company erc

25% relief · 99.7% timely · 12.4K filings · Debt collection

Same-product relief peers

Nearest relief peer: Performant Financial Corporation (25.1% relief)

Erc (this)25%HSBC North America Holdings …7.4%Santander Consumer USA Holdi…7%OneMain Finance Corporation8.3%Self Financial Inc.0.9%
Closed-with-relief % among Erc and nearest filing-volume peers

Erc closes 25% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

Most of Erc's 12.4K filings include narrative text

41.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.

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Timely response rate 99.7%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 25.0%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Erc complaint mix by product

Total complaints: 12.4K

Erc complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 12.4K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 10,563 complaints (85.2%), resolution 28.7% Debt collection 85.2% Credit reporting,: 1,718 complaints (13.9%), resolution 1.0% Credit reporting, 13.9% Credit reporting: 60 complaints (0.5%), resolution 56.7% Credit reporting: 38 complaints (0.3%), resolution 0.0% Consumer Loan: 11 complaints (0.1%), resolution 81.8% Credit card: 5 complaints (0.0%), resolution 0.0% Bank account: 5 complaints (0.0%), resolution 100.0%
  • Debt collection 11K 85.2% – 29% relief
  • Credit reporting, 2K 13.9% – 1% relief
  • Credit reporting 60 0.5% – 57% relief
  • Credit reporting 38 0.3% – 0% relief
  • Consumer Loan 11 0.1% – 82% relief
  • Credit card 5 0.0% – 0% relief
  • Bank account 5 0.0% – 100% relief

Heavy-volume mix: how Erc's 12.4K complaints split across CFPB product categories. Resolution badge = % closed with relief.

Complaints by Product

Product Complaints
Debt collection 10.6K
Credit reporting, credit repair services, or other personal consumer reports 1.7K
Credit reporting 60
Credit reporting or other personal consumer reports 38
Consumer Loan 11
Credit card or prepaid card 5
Bank account or service 5
Credit card 5
Student loan 4
Payday loan, title loan, or personal loan 3
Money transfer, virtual currency, or money service 2
Payday loan 2
Mortgage 1
Prepaid card 1
Other financial service 1
Checking or savings account 1

Nationwide filing states for Erc

Top states by attributed volume, heavy-filing company

Nationwide footprint
Leading state
TX
13.9% of this company's filings
TX1.7KCA1.6KFL1.4KGA907NY629IL476OH445PA425

Erc falling annual filings

Annual filing volume from the CFPB public database

Falling vs first year
2024
3
-97.4% vs 2013
05001,0001,5002,000 201320142015201620172018201920202021202220232024 3

Top States

State Complaints
TX 1.7K
CA 1.6K
FL 1.4K
GA 907
NY 629
IL 476
OH 445
PA 425
NC 311
TN 276
MI 268
MD 268
SC 261
NJ 260
VA 238
LA 228
AL 209
AZ 209
MO 191
MA 168

Top Issues

Issue Complaints
Attempts to collect debt not owed 3.9K
Cont'd attempts collect debt not owed 2.3K
Written notification about debt 1.7K
Incorrect information on your report 1.1K
Disclosure verification of debt 967
False statements or representation 626
Communication tactics 534
Problem with a credit reporting company's investigation into an existing problem 444
Took or threatened to take negative or legal action 297
Improper use of your report 214
Improper contact or sharing of info 108
Threatened to contact someone or share information improperly 57
Incorrect information on credit report 55
Taking/threatening an illegal action 21
Fraud or scam 14
Credit monitoring or identity theft protection services 12
Account opening, closing, or management 5
Problems when you are unable to pay 5
Managing the loan or lease 5
Unexpected or other fees 4

Yearly Trend

Year Complaints Timely
2013 115 100%
2014 756 99.9%
2015 1.6K 99.9%
2016 981 99.8%
2017 1.4K 99.8%
2018 1.3K 99.7%
2019 1.2K 98.4%
2020 1.6K 100%
2021 1.7K 100%
2022 937 100%
2023 808 99.5%
2024 3 0%

Source: CFPB Consumer Complaint Database

Erc in the higher-relief third

Erc's 12,420 logged complaints reach a nationwide footprint - 56 states have at least one filing. 41.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2024-02-05. Closed-with-relief 25% sits in the upper third of the corpus.

Erc closes 25% with monetary or non-monetary relief and answers 99.7% inside the CFPB window; 69.7% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Attempts to collect debt not owed."

A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Erc.

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for Erc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest companies by total CFPB complaints. This record: 12.4K.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 99.7%.

4 peers

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Data sourced from official public datasets for Erc (#57 of 342; 99.7% timely; 25% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Higher closed-with-relief share