Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:09/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am aware of this tradeline unlawfully reporting on my consumer report. And would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this tradeline on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent; which, you have used to create this tradeline on my credit report. let me explain, if you have used my Name and any other personal identifiable information such as: a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. (See United States *. ***, 737 F.3d 129, 134) "Pursuant to 18 U.S.C. 1028A(a)(1), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A(c), he "knowingly . . . uses, without lawful authority, a means of identification of another person." The statute defines the term "means of identification". To mean "any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [or] date of birth." Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this tradeline then i will drop my claim

  Business Response

  Date: 10/07/2024

  Dear **** ********************* be advised that this is the first time we are receiving this complaint. The consumer and the ** have an old address on file for IRR.  Please update your records with our new location for any future communication

  IRR is located at *********************************************************

  In order for us to respond to this complaint we need additional information. 

  Please have the consumer provide the following: 

  1. IRR's FULL Account#. The consumer provided a partial account number only

  2. DOB/SS#

  Once we locate the consumer's account we can conduct a full investigation and ideally resolve this for the consumer. 

  The consumer may also contact us directly at:

  F: ************

  P ************

  E: ***************************************************************************

  Sincerely

  ***** * ********* *****

  ********* *** *********** ******** ********* ****  ** ************ ** ****************************************************************************  

  Customer Answer

  Date: 10/09/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I am not required to give you any of that information. You are a debt collector. 
  
  Therefore, my account information and full name and address is sufficient. 
  
  If you do not have the verification of the debt I requested, then you must cease all collection action immediately (which includes credit reporting). 
  
  And by the way, verification is a signed affidavit sworn under oath from the original creditor (according to the FDCPA). 
  
  Not billing statements or contracts. 
  
  And to make things worse, you did not state the previous communication was from a debt collector. Therefore, you are facing serious legal punishment under, not just 15 USC 1692g(b) if the verification isnt delivered. But also 15 USC 1692e(11) for failing to state the mini ******* which is required in all communications between me and you. 
  
  Heres the deal: you can delete this account in the next *********************************** you can pretend like I dont know what Im talking about and find out for your self. 
  
  I know the law, you know I know the law now its up to you to do the right thing. Delete these accounts.

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***** *******
  
  
  
  
   
  

  Customer Answer

  Date: 10/17/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  Show me the law under the ***** that says I have to give you this information? If you can I will pay the debt in full. 
  
  Also, your last response was very misleading since you tried to used illegal practices to trick me into giving you my information (that I legally dont have to give you) and it gets worse for you because you failed to state this communication was from a debt collector. A clear violation of 15 USC 1692e(11). 
  
  I never gave you any information, you stole my information without my consent which is also a legal breach under the United States Code under 18 USC 1028A. 
  
  Send me the information I requested in my first letter. If you dont I will turn this complaint over to the attorney general and the **** 
  
  You have 4 days to send verification or delete this debt or I will submit a complaint to the government immediately. And you will pay for it tremendously. The choice is yours.

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***** *******
  
  
  
  
   
  

  Business Response

  Date: 10/18/2024

  Dear **** ***************************************** would love to assist this consumer with her complaint. Unfortunately, the consumer has not provided IRR with correct/accurate account information for us to investigate and resolve the complaint. 

  Please have the consumer provide the complete/accurate account number for which this complaint relates to. 

  If the consumer would like she can contact us directly at ************ Mon-Fri 9am-5pm ET or via email at ****************************************** with the CORRECT/ACCURATE account information.

  ********* ***** ********* ***** ********* ** ***************************************************************************** ** ************

• Initial Complaint

  Date:07/10/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Independent Recovery Services. I do not have a contract with Independent Recovery Services.They have not provided me with the original application as requested.

  Business Response

  Date: 07/10/2023

  Dear *********************

  IRR has reviewed this consumer's complaint.  We sent the consumer a copy of her signed contract back in April when she requested it.  The contract is with our client and not IRR. IRR is a 3rd party debt collection company which has been hired by the original creditor to assist in their attempts to collect this debt. 

  The consumer made two payments after receiving her contract, acknowledging this debt to be valid.

  I trust this information will resolve the matter and close this complaint. 

  If you or the consumer require any additional information, please do not hesitate to contact me. I can best be reached via email at *******************************************

  Sincerely

  ***************************

  P: ********************

  E: *******************************************

   

• Initial Complaint

  Date:07/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This unauthorized and unknown collection company is reporting in my consumer credit report, I never had any business with this company nor gave my written consent to this company regarding this reporting. In violation under 18 U.S. Code 894 - Collection of extensions of credit (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means (1)to collect or attempt to collect any extension of credit, or (2)to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Your continued derogatory reporting of this account in my credit report is a form of punishment and hurting my chances of improving my living situation. Cease and desist ASAP and delete this account immediately.

  Business Response

  Date: 07/29/2022

  Dear ********************

  IRR has since moved from ********************************************************* to ************************************************************ ******  That being said this is the first notice of this consumer's complaint from both you and the consumer.

  This **** is for a 5x10 self storage unit with ************************** ** for rental months of jan 2020-july 2020. This consumer entered into a signed written agreement. and has defaulted on this obligation.  This balance represents monthly storage fees and late fees as stipulated in his contract.  IRR will mail the consumer a copy of this agreement.

  If the consumer wishes to resolve this debt he will have to contact our attorneys' office as this matter has been referred for litigation. He can contact ********************** located at ********************************************************************. They can be reached at ************.  The full account number with our office is ********************# *********. 

  IRR has noted the consumer's dispute. I trust this will satisfy this complaint. However if I can be of further assistance please do not hesitate to contact me directly. 

  Also if you would make note of the change of address for any future matters that would be greatly appreciated

  Sincerely,

  *****************************

  Dir Of Operations

  P: ********************

  E: *******************************************

  Customer Answer

  Date: 08/01/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

   

   This account needs to be deleted immediately under the Federal Laws for it violates the following:
  
  1. 15 USC ****(a)(4) Infringed Upon a Consumers right to privacy and Under the ***** I never gave you (a non-affiliated 3 rd party) consent to have my non-public personal information reported. Credit ****************************** are 3rd party non affiliate.
  
  2. Under 15 U.S. Code ****d-Harassment and abuse have been harassed and have trauma this account in violation and under 15 U.S. Code ****j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
  
  3. Under 15 U.S. Code ****b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. I never had any business with your company nor gave your company my written consent.
  
  4. Lastly. as per FTC guidelines reporting this account in my consumer credit report is a form of collection activity. In violation under 18 U.S. Code 894 - Collection of extensions of credit Under
  (a)Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means
  (1)to collect or attempt to collect any extension of credit, or
  (2)to punish any person for the nonrepayment thereof,
  shall be fined under this title or imprisoned not more than 20 years, or both.
  
  Your continued derogatory reporting of this account in my credit report is a form of punishment and hurting my chances of improving my living situation.
  Cease and desist ASAP. Delete this account immediately.
  
  

  
  Sincerely,
  
  ***************************