Total complaints
1
Filed since In t
2026 data Public-data reference. official source
ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request's complaint history from CFPB public records. 1 consumers have filed complaints since In t. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
In t
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request complaint mix by product
- I am 1 100.0% – 0% relief
How ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| I am truly not reliable for collection for this debt from ERC or XXXX. I sent debt verification letters to ERC and the credit bureaus requesting the original signed contract and the account summary on XX/XX/XXXX | 1 |
Top States
| State | Complaints |
|---|---|
| however | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| XX/XX/XXXX | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request
ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 0 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to In t, and the most recent logged activity is In this ca, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "I am truly not reliable for collection for this debt from ERC or XXXX. I sent debt verification letters to ERC and the credit bureaus requesting the original signed contract and the account summary on XX/XX/XXXX", and the single most common underlying issue is "XX/XX/XXXX".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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 reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request have?
ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request respond to complaints on time?
ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request has a 0% timely response rate to CFPB complaints.
What is the most common complaint about ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request?
The most common issue reported against ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request is "XX/XX/XXXX" in the "I am truly not reliable for collection for this debt from ERC or XXXX. I sent debt verification letters to ERC and the credit bureaus requesting the original signed contract and the account summary on XX/XX/XXXX" product category.
Read our methodology — how this data is sourced, computed, and verified.
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