What is the most common complaint against EMCC Holdings, LLC?

The most common issue consumers report about EMCC Holdings, LLC is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 69 complaints filed with the CFPB.

Are complaints against EMCC Holdings, LLC increasing or decreasing?

Complaints against EMCC Holdings, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is EMCC Holdings, LLC's reputation grade?

EMCC Holdings, LLC has a reputation grade of C (score: 60.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does EMCC Holdings, LLC respond to consumer complaints?

EMCC Holdings, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.

In how many states does EMCC Holdings, LLC operate?

EMCC Holdings, LLC has received CFPB complaints from consumers in 22 states, with the most complaints from California (10 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

EMCC Holdings, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

42
Written notification about debt

9
False statements or representation

8
Disclosure verification of debt

4
Cont'd attempts collect debt not owed

3
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record emcc-holdings-llc EMCC Holdings, LLC

Grade C · 69 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1012 · compose #2331

VOL 69
GRADE C
12MO 0
STATES 22
TIMELY 100%
DISPUTE 14%
ISSUE Attempts to collect debt n…
RANK #1,012
COMPOSE #2,331

Volume peers

Nearest volume peer: Agency of Credit Control (69 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

EMCC Holdings, LLC's 69 CFPB complaints sit next to Agency of Credit Control on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

EMCC Holdings, LLC spreads filings across 22 states - California leads at only 14.5%

Despite a broad state map, EMCC Holdings, LLC still sits volume #1,012 against composite #2,331 - the two RankMaps diverge by 1,319 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 14.5% across 22 states
Seasonal peak: 2021-04 11.1%; 8–15% band · 2 filings
Divergent corpus ranks: #1,012 volume; #2,331 composite; Cleanest-composite ladder is 1,319 places worse than volume

How does EMCC Holdings, LLC compare to its peers?

How does EMCC Holdings, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

EMCC Holdings, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

57%

91%

Consumer-dispute ratelower is better

14%

30%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-08 2025-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	42
Written notification about debt	9
False statements or representation	8
Disclosure verification of debt	4
Cont'd attempts collect debt not owed	3
Communication tactics	2
Took or threatened to take negative or legal action	1

Where do complaints against EMCC Holdings, LLC come from?

EMCC Holdings, LLC's own per-state count, not a national baseline.

California

10
Pennsylvania

6
Florida

5
Georgia

5
Oklahoma

5
Texas

5
Nevada

4
New York

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for EMCC Holdings, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 69.

4 peers

Know your rights before responding to EMCC Holdings, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.