Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Independence Capital Recovery, LLC
State: TX

Complaint narrative:
Company : XXXX XXXX XXXX Related Company : Independence Capital Recovery , LLC I am submitting this complaint regarding deficient debt validation, inaccurate collection activity, and improper disclosure of another consumers personal information by XXXX XXXX XXXX concerning an alleged account they claim is associated with Independence Capital Recovery , LLC. On XX/XX/year>, I mailed a formal written debt validation and verification request disputing the alleged debt in its entirety pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In my request, I specifically demanded competent evidence establishing : * ownership of the alleged debt, * legal authority to collect, * complete itemization of the alleged balance, * full payment history, * chain of assignment, * bill of sale, * forward flow agreement, * transfer agreements, and * documentation showing whether Independence Capital Recovery , LLC purchased the account or was merely collecting on behalf of another entity. On or about XX/XX/year>, I received a response dated XX/XX/year>. The response failed to provide proper validation of the alleged debt. Instead, the company only provided : * an alleged contract, * a partial payment ledger that does not reconcile with or explain the alleged balance of {$4400.00}, and * unrelated information belonging to another consumer identified as XXXX XXXX. I did not receive : * a complete accounting of how the alleged balance was calculated, * payment itemization, * principal/interest/fees breakdown, * charge-off calculations, * chain of title documentation, * bill of sale, * assignment records, * forward flow agreement, * transfer agreements, * proof of ownership, or * proof establishing whether the collector or another entity owns the account. The disclosure of another consumers information is extremely concerning and appears to demonstrate improper handling and commingling of consumer files and records. This raises serious concerns regarding the reliability and accuracy of the information being used to collect and potentially report this alleged account. The company also failed to clearly identify whether : XXXX. Independence Capital Recovery , LLC actually owns the alleged account, or XXXX. XXXX XXXX XXXX is simply attempting to collect on behalf of another entity. I believe the companys actions may violate : * FDCPA 15 U.S.C. 1692g for failure to provide proper validation, * FDCPA 15 U.S.C. 1692e for false, deceptive, or misleading representations, * FDCPA 15 U.S.C. 1692f for unfair collection practices, * FCRA 15 U.S.C. 1681s-2 regarding accuracy and investigation obligations if information is being furnished to consumer reporting agencies, and * additional federal and state consumer protection laws regarding improper disclosure of consumer information. I am requesting that the CFPB require the company to : 1. Provide full competent validation of the alleged debt ; XXXX. Provide complete payment and balance itemization ; XXXX. Provide chain of assignment and ownership documentation ; XXXX. Explain the improper disclosure of another consumers information ; XXXX. Cease collection activity until lawful validation is provided ; XXXX. Cease furnishing inaccurate or unverifiable information to any consumer reporting agencies ; and XXXX. Delete any inaccurate or unsupported reporting associated with this disputed account. I am also requesting that this matter be investigated for potential consumer privacy violations and improper debt collection practices.

Company response to consumer: Closed with explanation