Total CFPB complaints
69
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 69 complaints
EMCC Holdings, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about EMCC Holdings, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
42 complaints
- Written notification about debt 9
Written notification about debt
9 complaints
- False statements or representation 7
False statements or representation
7 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
C
Grade C · 63.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about EMCC Holdings, LLC?
EMCC Holdings, LLC has accumulated 69 total CFPB complaints across 22 states, with 0 filed in the most recent 12 months against 69 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 14% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 22 states, led by California with 10 and Pennsylvania with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.7/100 places EMCC Holdings, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
22
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
C
63.7/100 composite
Response-quality profile
How EMCC Holdings, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 28.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does EMCC Holdings, LLC compare to its peers?
EMCC Holdings, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2021-04 2024-04
Top Consumer Issues
Attempts to collect debt not owed42 (%)
False statements or representation7 (%)
Written notification about debt9 (%)
Disclosure verification of debt3 (%)
Cont'd attempts collect debt not owed2 (%)
Communication tactics2 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 30 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
Where do complaints against EMCC Holdings, LLC come from?
The states where consumers have filed the most CFPB complaints against EMCC Holdings, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against EMCC Holdings, LLC
Across 22 states with at least one filing
- California
California
10 complaints
- Pennsylvania
Pennsylvania
6 complaints
- Texas
Texas
5 complaints
- Florida
Florida
5 complaints
- Oklahoma
Oklahoma
5 complaints
- Georgia
Georgia
5 complaints
- New York
New York
4 complaints
- South Carolina
South Carolina
4 complaints
Frequently Asked Questions
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: 63.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if EMCC Holdings, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If EMCC Holdings, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |