Total CFPB complaints
5
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 5 complaints
Investigation & Recovery Assoc. LLC — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Investigation & Recovery Assoc. LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
- Disclosure verification of debt
Disclosure verification of debt
1 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
- Communication tactics
Communication tactics
1 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
D
Grade D · 55.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Investigation & Recovery Assoc. LLC?
Investigation & Recovery Assoc. LLC has accumulated 5 total CFPB complaints across 5 states, with 0 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 20% timely-response rate against a 0% 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 5 states, led by Oklahoma with 1 and North Carolina with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.9/100 places Investigation & Recovery Assoc. LLC 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
Stable →
States active
5
Distinct state filings
Timely response rate
20%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
D
55.9/100 composite
Response-quality profile
How Investigation & Recovery Assoc. LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 20.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Investigation & Recovery Assoc. LLC compare to its peers?
Investigation & Recove… 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)
2014-06 2020-10
Top Consumer Issues
Attempts to collect debt not owed1 (%)
Disclosure verification of debt1 (%)
Took or threatened to take negative or legal action1 (%)
Communication tactics1 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
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 was paid | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 1 |
Where do complaints against Investigation & Recovery Assoc. LLC come from?
The states where consumers have filed the most CFPB complaints against Investigation & Recovery Assoc. LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Investigation & Recovery Assoc. LLC
Across 5 states with at least one filing
- Oklahoma
Oklahoma
1 complaints
- North Carolina
North Carolina
1 complaints
- Texas
Texas
1 complaints
- Illinois
Illinois
1 complaints
- New Jersey
New Jersey
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Investigation & Recovery Assoc. LLC's reputation grade? ▼
Investigation & Recovery Assoc. LLC has a reputation grade of D (score: 55.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 Oklahoma (1 complaints).
What can I do if Investigation & Recovery Assoc. LLC 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 Investigation & Recovery Assoc. LLC 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 |