Total CFPB complaints
10,566
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 10,566 complaints
ERC — Debt Collector Complaint Profile
CFPB complaint profile across 54 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ERC
- Attempts to collect debt not owed
Attempts to collect debt not owed
3,863 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2,061 complaints
- Written notification about debt
Written notification about debt
1,652 complaints
- Disclosure verification of debt 614
Disclosure verification of debt
614 complaints
- False statements or representation 527
False statements or representation
527 complaints
- Communication tactics 338
Communication tactics
338 complaints
D
Grade D · 55.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ERC?
ERC has accumulated 10,566 total CFPB complaints across 54 states, with 0 filed in the most recent 12 months against 10,566 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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 18% 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 54 states, led by Texas with 1,443 and California with 1,408, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.6/100 places ERC in grade band D, 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
Stable →
States active
54
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
18%
After company response
Reputation grade
D
55.6/100 composite
Response-quality profile
How ERC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 35.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 96.4%
Share of US states + territories with at least one filed complaint against this collector.
How does ERC compare to its peers?
ERC 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)
2022-02 2024-02
Top Consumer Issues
Attempts to collect debt not owed3,863 (%)
Cont'd attempts collect debt not owed2,061 (%)
Written notification about debt1,652 (%)
Disclosure verification of debt614 (%)
False statements or representation527 (%)
Communication tactics338 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 is not yours | 2,290 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1,560 |
| Written notification about debt | Didn't receive enough information to verify debt | 1,140 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1,014 |
| Disclosure verification of debt | Not given enough info to verify debt | 614 |
| Attempts to collect debt not owed | Debt was paid | 559 |
| False statements or representation | Attempted to collect wrong amount | 527 |
| Written notification about debt | Didn't receive notice of right to dispute | 512 |
| Cont'd attempts collect debt not owed | Debt was paid | 501 |
| Communication tactics | Frequent or repeated calls | 338 |
Where do complaints against ERC come from?
The states where consumers have filed the most CFPB complaints against ERC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ERC
Across 54 states with at least one filing
- Texas
Texas
1,443 complaints
- California
California
1,408 complaints
- Florida
Florida
1,158 complaints
- Georgia
Georgia
776 complaints
- New York 550
New York
550 complaints
- Illinois 380
Illinois
380 complaints
- Ohio 367
Ohio
367 complaints
- Pennsylvania 340
Pennsylvania
340 complaints
Frequently Asked Questions
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 10,566 complaints filed with the CFPB.
Are complaints against ERC increasing or decreasing? ▼
Complaints against ERC have been stable. The company received 0 complaints in the last 12 months.
What is ERC's reputation grade? ▼
ERC has a reputation grade of D (score: 55.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if ERC 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 ERC 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 |