What is the most common complaint against Investigation & Recovery Assoc. LLC?

The most common issue consumers report about Investigation & Recovery Assoc. LLC is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 5 complaints filed with the CFPB.

Are complaints against Investigation & Recovery Assoc. LLC increasing or decreasing?

Complaints against Investigation & Recovery Assoc. LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Investigation & Recovery Assoc. LLC's reputation grade?

Investigation & Recovery Assoc. LLC has a reputation grade of D (score: 51.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Investigation & Recovery Assoc. LLC respond to consumer complaints?

Investigation & Recovery Assoc. LLC has a 20% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Investigation & Recovery Assoc. LLC operate?

Investigation & Recovery Assoc. LLC has received CFPB complaints from consumers in 5 states, with the most complaints from Illinois (1 complaints).

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

Investigation & Recovery Assoc. LLC - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

1
Took or threatened to take negative or legal action

1
Communication tactics

1
Cont'd attempts collect debt not owed

1
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record investigation-recovery-assoc-llc Investigation & Recovery Assoc. LLC

Grade D · 5 CFPB filings · 20% timely · lead issue: Attempts to collect debt not owed · vol #3157 · compose #4045

VOL 5
GRADE D
12MO 0
STATES 5
TIMELY 20%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #3,157
COMPOSE #4,045

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

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

Investigation & Recovery Assoc. LLC's 5 CFPB complaints sit next to Aaron Worldwide Collections Inc. 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 →

Steady monthly series

Illinois is the plurality state for Investigation & Recovery Assoc. LLC (20.0%)

Volume rank #3,157 and composite rank #4,045 diverge by 888 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Illinois 20.0%; Mid-band (15–30%) · 5 states with ≥1 filing
Even monthly load: Peak under 8%; Highest month 2017-09 at 5.0% (1 filings)
Divergent corpus ranks: #3,157 volume; #4,045 composite; Cleanest-composite ladder is 888 places worse than volume

How does Investigation & Recovery Assoc. LLC compare to its peers?

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

Investigation & Recove… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

20%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-09 2025-11

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1
Took or threatened to take negative or legal action	1
Communication tactics	1
Cont'd attempts collect debt not owed	1
Disclosure verification of debt	1

Where do complaints against Investigation & Recovery Assoc. LLC come from?

Investigation & Recovery Assoc. LLC's own per-state count, not a national baseline.

Illinois

1
New Jersey

1
North Carolina

1
Oklahoma

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Investigation & Recovery Assoc. LLC: 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: 5.

4 peers

Know your rights before responding to Investigation & Recovery Assoc. LLC: 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.