What is the most common complaint against Independent Recovery Resources, Inc.?

The most common issue consumers report about Independent Recovery Resources, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 66 complaints filed with the CFPB.

Are complaints against Independent Recovery Resources, Inc. increasing or decreasing?

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

What is Independent Recovery Resources, Inc.'s reputation grade?

Independent Recovery Resources, Inc. has a reputation grade of D (score: 54.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Independent Recovery Resources, Inc. respond to consumer complaints?

Independent Recovery Resources, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 38% of cases.

In how many states does Independent Recovery Resources, Inc. operate?

Independent Recovery Resources, Inc. has received CFPB complaints from consumers in 6 states, with the most complaints from New York (50 complaints).

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

Independent Recovery Resources, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

20
Cont'd attempts collect debt not owed

15
Disclosure verification of debt

10
Written notification about debt

8
False statements or representation

7
Communication tactics

4

Data updated September 2026

CFPB complaint disposition

CCDB record independent-recovery-resources-inc Independent Recovery Resources, Inc.

Grade D · 66 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #1032 · compose #3548

VOL 66
GRADE D
12MO 0
STATES 6
TIMELY 98%
DISPUTE 38%
ISSUE Attempts to collect debt n…
RANK #1,032
COMPOSE #3,548

Volume peers

Nearest volume peer: Accelerated Servicing Group LLC (66 complaints)

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

Independent Recovery Resources, Inc.'s 66 CFPB complaints sit next to Accelerated Servicing Group LLC 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 →

State-heavy filing map

75.8% of Independent Recovery Resources, Inc.'s CFPB filings land in New York

High volume does not equal a clean composite: Independent Recovery Resources, Inc. is volume #1,032 but composite #3,548, while New York dominates the geography. Corpus placement method.

Dominant state: New York 75.8%; 50 of 66 filings · 6 states touched
Seasonal peak: 2024-09 14.3%; 8–15% band · 6 filings
Divergent corpus ranks: #1,032 volume; #3,548 composite; Cleanest-composite ladder is 2,516 places worse than volume

How does Independent Recovery Resources, Inc. compare to its peers?

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

Independent Recovery R… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

78%

91%

Consumer-dispute ratelower is better

38%

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-11 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	20
Cont'd attempts collect debt not owed	15
Disclosure verification of debt	10
Written notification about debt	8
False statements or representation	7
Communication tactics	4
Took or threatened to take negative or legal action	1
Improper contact or sharing of info	1

Where do complaints against Independent Recovery Resources, Inc. come from?

Independent Recovery Resources, Inc.'s own per-state count, not a national baseline.

New York

50
Florida

4
New Jersey

4
Pennsylvania

3
California

2
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Independent Recovery Resources, Inc.: 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: 66.

4 peers

Know your rights before responding to Independent Recovery Resources, Inc.: 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.