Total CFPB complaints
66
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 66 complaints
Independent Recovery Resources, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Independent Recovery Resources, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
18 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
14 complaints
- Disclosure verification of debt
Disclosure verification of debt
10 complaints
- Written notification about debt 7
Written notification about debt
7 complaints
- False statements or representation 7
False statements or representation
7 complaints
- Communication tactics 4
Communication tactics
4 complaints
D
Grade D · 57.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Independent Recovery Resources, Inc.?
Independent Recovery Resources, Inc. has accumulated 66 total CFPB complaints across 6 states, with 0 filed in the most recent 12 months against 66 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 98% timely-response rate against a 38% 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 6 states, led by New York with 50 and New Jersey with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.6/100 places Independent Recovery Resources, Inc. 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
Falling ↓
States active
6
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
38%
After company response
Reputation grade
D
57.6/100 composite
Response-quality profile
How Independent Recovery Resources, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 75.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Independent Recovery Resources, Inc. compare to its peers?
Independent Recovery R… 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)
2017-12 2024-10
Top Consumer Issues
Attempts to collect debt not owed18 (%)
Cont'd attempts collect debt not owed14 (%)
Written notification about debt7 (%)
False statements or representation7 (%)
Disclosure verification of debt10 (%)
Communication tactics4 (%)
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 | 13 |
| Cont'd attempts collect debt not owed | Debt is not mine | 12 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Disclosure verification of debt | Right to dispute notice not received | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 5 |
| Communication tactics | Frequent or repeated calls | 2 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 2 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
Where do complaints against Independent Recovery Resources, Inc. come from?
The states where consumers have filed the most CFPB complaints against Independent Recovery Resources, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Independent Recovery Resources, Inc.
Across 6 states with at least one filing
- New York
New York
50 complaints
- New Jersey 4
New Jersey
4 complaints
- Florida 4
Florida
4 complaints
- Pennsylvania 3
Pennsylvania
3 complaints
- California 2
California
2 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
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: 57.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Independent Recovery Resources, Inc. 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 Independent Recovery Resources, Inc. 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 |