Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Independence Capital Recovery, LLC
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Improper Debt Validation Response : I am writing to formally dispute the debt referenced in your letter dated XX/XX/year> ( will attach document ) and to express my concerns regarding your failure to provide a proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

On XX/XX/year>, I requested via phone conversation with XXXX XXXX ( unsure of correct spelling ) a debt validation letter. At the time of conversation he asked if he could send it via email. I didnt mind, due to that being a quicker avenue and him stating that he was a lawyer calling for legal purposes. 

XXXX XXXX, also had left a voice mail on XX/XX/year> @ XXXX stating to be a lawyer calling for legal purposes and wanted to speak to me or my attorney regarding the issue placed in his office. Since, I did not answer he stated he scheduled an employment verification for Wednesday XX/XX/year>, if it was something XXXX or my attorney wish to discuss. This is what prompted my request to have a debt validation done via email. 

In the U.S., it is illegal for debt collectors to falsely claim they are attorneys when they are not. This is covered under the Fair Debt Collection Practices Act ( FDCPA ), specifically : 15 U.S. Code 1692e False or misleading representations This section prohibits debt collectors from using any false, deceptive, or misleading representation, including : Claiming to be an attorney when they are not ( 1692e ( 3 ) ). 
Threatening legal action they can not or do not intend to take ( 1692e ( 5 ) ).

Instead of proper validation, I received a email from XXXX XXXX, that merely states a balance and a settlement offer, which does not constitute legal validation under the FDCPA. Without sufficient documentation proving the validity of this debt, I do not acknowledge its legitimacy and continue to dispute it in its entirety. 

On XX/XX/year>, I had a verbal conversation with XXXX XXXX ( unsure of spelling ), to retrieve their company address and information to mail any documents. XX/XX/year>, I mailed dispute letter, including cease and desist demand. After several attempts of delivery, it was returned to me as undeliverable from address that was previously given to me the day before. 

Under 15 U.S.C. 1692g ( b ), a debt collector must provide adequate validation of a debt when requested, which includes : 1.The name and address of the original credito 2. A copy of the signed agreement or contract.

3. A detailed itemized accounting of how the balance was calculated. ( Any interest, fees, and complete history of payment ). 
4. Verification that your company has the legal authority to collect this debt in my state. ( provide state license number, name on license, & if out of state the license for your state ).

5. Chain of assignment agreement.

6. Provide Forward Flow Agreement 7. Provide if any insurance claims have been applied or filed to this debt 8. Date of first delinquency The failure to provide a reliable mailing address for consumer disputes violates 15 U.S.C. 1692c ( c ), as it prevents me from enforcing my right to demand that your company cease further collection efforts. I request that you provide a valid address where I can send my dispute and cease communication request.

Additionally, I am formally requesting that you cease and desist from all communications with me, family, friends, or any entities that may know me. This includes communication via email, text, calls, or any other medium..

Company response to consumer: Closed with explanation