Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Independence Capital Recovery, LLC
State: CA

Complaint narrative:
I am filing this complaint against Independence Recovery Capital LLC ( ICR ) and their retained counsel, XXXX XXXX XXXX, for egregious and unlawful debt collection practices concerning a disputed debt of {$11000.00}. Their actions constitute harassment, a blatant disregard for my consumer rights, and an attempt to collect on a debt that is fundamentally fraudulent. 
Background of the Disputed Debt : The alleged debt originated from services purportedly offered by XXXX XXXX. I was charged by XXXX XXXX for services that were never rendered or were grossly deficient. This alleged debt was initially financed through XXXX XXXX Bank. 
Critical FTC Action Against Growth Cave : It is critically important to note that the Federal Trade Commission ( FTC ) has initiated a significant enforcement action/class-action lawsuit against Growth Cave, [ See attached ]. This lawsuit addresses Growth Cave 's deceptive practices, specifically charging consumers for services that were not delivered, and includes the fact that Growth Cave received money from XXXX XXXX Bank for these unrendered services. This substantial government action, which I will upload a copy of with this complaint ( specifically, the FTC 's Order Granting Ex Parte TRO with Asset Freeze and Other Equitable Relief, available at XXXX : XXXX XXXX, unequivocally supports my claim that the services for which this debt was incurred were never provided. 
Lack of Validation and Harassment by ICR : Upon first contact regarding this debt, I exercised my right to request a proof of validation on XX/XX/XXXX. Despite this clear and timely request, Independence Recovery Capital LLC failed to provide the requested validation. Instead of ceasing collection activities as required when a debt is disputed and validation is requested, XXXX persisted in harassing me with constant debt collection calls. 
Escalation and Unlawful Tactics by XXXX XXXX XXXX : Lately, XXXX has escalated their collection attempts by hiring the XXXX XXXX XXXX. My right to debt validation extends to any entity attempting to collect the debt. The XXXX window for XXXX XXXX XXXX XXXX XXXX proper debt validation, following their initial collection communication, expired on XX/XX/XXXX, with no validation provided. 
Despite this failure, XXXX XXXX XXXX sent me an alarming " Intent to XXXX '' letter dated XX/XX/XXXX, threatening to file a lawsuit within 10 days. This letter was deliberately sent to an old address of mine, even though I had communicated with them from my current address from the beginning. This tactic is highly suspect, designed to impede timely receipt and response to critical legal threats. 
Intervention of XXXX XXXX and Delayed Validation : Due to these aggressive and deceptive tactics, I was forced to engage legal counsel. My lawyer contacted XXXX XXXX XXXX on XX/XX/XXXX. It was only after my lawyer contacted them that XXXX XXXX XXXX finally provided the debt validation letter they had failed to furnish within the legally mandated timeframe. My lawyer explicitly informed XXXX XXXX XXXX that the underlying activity was fraudulent and demanded that they cease all further contact with me. 
Summary of Wrongful Conduct and Violations : Independence Recovery Capital LLC and XXXX XXXX XXXX have engaged in a pattern of wrongful conduct including : 1. Failure to provide timely debt validation upon my initial request and later within the FDCPA 's XXXX window. 
2. Persistent harassment through debt collection calls despite a disputed debt and request for validation.

3. Threatening litigation prematurely with an " Intent to Sue '' letter before providing validation and outside proper communication channels ( sending to an old address ).

4. Providing validation only under duress after my legal counsel intervened, demonstrating a blatant disregard for regulatory compliance.

5. Attempting to collect on a debt that is probably fraudulent, as evidenced by the FTC 's enforcement action/class-action lawsuit against the original creditor, XXXX XXXX.

Company response to consumer: Closed with explanation