What is the most common complaint against ERC?

The most common issue consumers report about ERC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 10,563 complaints filed with the CFPB.

Are complaints against ERC increasing or decreasing?

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

What is ERC's reputation grade?

ERC has a reputation grade of D (score: 52.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does ERC respond to consumer complaints?

ERC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does ERC operate?

ERC has received CFPB complaints from consumers in 54 states, with the most complaints from Texas (1,443 complaints).

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

ERC - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

3,930
Cont'd attempts collect debt not owed

2,329
Written notification about debt

1,694
Disclosure verification of debt

967
False statements or representation

626
Communication tactics

534

Data updated September 2026

CFPB complaint disposition

CCDB record erc ERC

Grade D · 10,563 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #16 · compose #3800

VOL 10,563
GRADE D
12MO 0
STATES 54
TIMELY 100%
DISPUTE 18%
ISSUE Attempts to collect debt n…
RANK #16
COMPOSE #3,800

Volume peers

Nearest volume peer: Bread Financial Holdings, Inc. (10,403 complaints)

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

ERC's 10,563 CFPB complaints sit next to Bread Financial Holdings, Inc. 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

ERC spreads filings across 54 states - Texas leads at only 13.7%

Despite a broad state map, ERC still sits volume #16 against composite #3,800 - the two RankMaps diverge by 3,784 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 13.7% across 54 states
Even monthly load: Peak under 8%; Highest month 2025-01 at 6.3% (364 filings)
Divergent corpus ranks: #16 volume; #3,800 composite; Cleanest-composite ladder is 3,784 places worse than volume

How does ERC compare to its peers?

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

ERC National average

Complaints (last 12 mo)lower is better

3,871

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

18%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3,930
Cont'd attempts collect debt not owed	2,329
Written notification about debt	1,694
Disclosure verification of debt	967
False statements or representation	626
Communication tactics	534
Took or threatened to take negative or legal action	297
Improper contact or sharing of info	108
Threatened to contact someone or share information improperly	57
Taking/threatening an illegal action	21

Where do complaints against ERC come from?

ERC's own per-state count, not a national baseline.

Texas

1,443
California

1,406
Florida

1,156
Georgia

777
New York

550
Illinois

380
Ohio

367
Pennsylvania

340

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for ERC: 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: 10,563.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.67821313647549%.

4 peers

Know your rights before responding to ERC: 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.