Erc Consumer Complaints
Erc has received 12,423 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 12,423 total complaints on file with the CFPB.
- Most complaints are about Debt collection (10,566).
- Timely response rate: 99.7%.
- Consumer disputed rate: 17.5% of resolved complaints.
Complaints by Product
The following table shows how complaints against Erc break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Debt collection | 10,566 | 85.1% |
| Credit reporting, credit repair services, or other personal consumer reports | 1,718 | 13.8% |
| Credit reporting | 60 | 0.5% |
| Credit reporting or other personal consumer reports | 38 | 0.3% |
| Consumer Loan | 11 | 0.1% |
| Bank account or service | 5 | 0.0% |
| Credit card | 5 | 0.0% |
| Credit card or prepaid card | 5 | 0.0% |
| Student loan | 4 | 0.0% |
| Payday loan, title loan, or personal loan | 3 | 0.0% |
| Money transfer, virtual currency, or money service | 2 | 0.0% |
| Payday loan | 2 | 0.0% |
| Checking or savings account | 1 | 0.0% |
| Mortgage | 1 | 0.0% |
| Other financial service | 1 | 0.0% |
| Prepaid card | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Erc.
Company Response Breakdown
When consumers file complaints, Erc responds in one of several ways. The breakdown below shows how Erc has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 8,653 | 69.7% |
| Closed with non-monetary relief | 3,103 | 25% |
| Closed | 663 | 5.3% |
| Untimely response | 3 | 0% |
| Closed with monetary relief | 1 | 0% |
Complaints by State
Top states where consumers have filed complaints against Erc.
| State | Complaints |
|---|---|
| Texas | 1,730 |
| California | 1,593 |
| Florida | 1,393 |
| Georgia | 906 |
| New York | 628 |
| Illinois | 476 |
| Ohio | 445 |
| Pennsylvania | 425 |
| North Carolina | 311 |
| Tennessee | 276 |
| Maryland | 268 |
| Michigan | 268 |
| South Carolina | 261 |
| New Jersey | 260 |
| Virginia | 238 |
| Louisiana | 228 |
| Alabama | 209 |
| Arizona | 209 |
| Missouri | 191 |
| Massachusetts | 168 |
Your Rights
What to do if you have a complaint against Erc
- Contact Erc directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Erc have?
Erc has 12,423 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Erc?
The most common issue reported is Attempts to collect debt not owed with 3,930 complaints.
-
How do I file a complaint against Erc?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Erc respond to complaints on time?
Erc has a 99.7% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.