Data / Consumer complaints / ERC
ERC: 22 CFPB complaints, last 3 years
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Updated November 10, 2026. Source: CFPB Consumer Complaint Database.
ERC drew 22 consumer complaints in the CFPB database in the three years to November 9, 2026, and 12,420 since 2013. The largest group, 18, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 11. The company responded on time to 68.2% of the complaints, and 0.0% closed with monetary or other relief.
The request: Watch ERC: each new CFPB complaint by product and issue, with the date and the company response. $10 of credit on sign-up, no card.
SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.
- 22Complaints, last 3 years
- 12,420Complaints, all years
- 68.2%Responded on time
- 0.0%Closed with relief
- 2Products
- Feb 5, 2024Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2024 | 3 |
| 2023 | 808 |
| 2022 | 937 |
| 2021 | 1,748 |
| 2020 | 1,580 |
| 2019 | 1,212 |
| 2018 | 1,328 |
| 2017 | 1,379 |
| 2016 | 981 |
| 2015 | 1,573 |
| 2014 | 756 |
| 2013 | 115 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Debt collection | 18 | 81.8% |
| Credit reporting or other personal consumer reports | 4 | 18.2% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 11 | 50% |
| Written notification about debt | 4 | 18.2% |
| Incorrect information on your report | 3 | 13.6% |
| Communication tactics | 2 | 9.1% |
| Improper use of your report | 1 | 4.5% |
| Took or threatened to take negative or legal action | 1 | 4.5% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 19 | 86.4% |
| Untimely response | 3 | 13.6% |
States
| State | Complaints | Share |
|---|---|---|
| Florida | 5 | 22.7% |
| California | 4 | 18.2% |
| Pennsylvania | 3 | 13.6% |
| Texas | 2 | 9.1% |
| Alabama | 1 | 4.5% |
| Arizona | 1 | 4.5% |
| Georgia | 1 | 4.5% |
| Hawaii | 1 | 4.5% |
| Illinois | 1 | 4.5% |
| Louisiana | 1 | 4.5% |
| Mississippi | 1 | 4.5% |
| Virginia | 1 | 4.5% |
Latest 22 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| February 5, 2024 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| January 29, 2024 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| January 11, 2024 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| November 30, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 29, 2023 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| November 29, 2023 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| November 28, 2023 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| November 27, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 24, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 23, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 20, 2023 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| November 19, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 17, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 17, 2023 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| November 16, 2023 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| November 15, 2023 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| November 15, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 14, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 14, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 11, 2023 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| November 11, 2023 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| November 10, 2023 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Consumer complaints in Florida
- Consumer complaints in California
- Consumer complaints in Pennsylvania
- All consumer complaints
Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.