Erc
12.4K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Erc complaint mix by product
- 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
How Erc's 12.4K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Erc
Erc's 12,420 logged complaints reach a nationwide footprint - 56 states have at least one filing on record. 41.8% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2024-02-05.
Erc answers 99.7% of complaints inside the CFPB's tracked window and closes 69.7% with a written explanation. 25% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "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.
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.
Frequently Asked Questions
How many CFPB complaints does Erc have?
12,420, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Erc respond to complaints on time?
99.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Erc?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.