Suit Claims Immediate Credit Recovery Omitted Required Debt Info from Collection Letter

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Immediate Credit Recovery, Inc. is facing a proposed class action that claims it misled a consumer concerning his rights under the Fair Debt Collection Practices Act (FDCPA). The plaintiff in the case says he received a collection letter from the defendant that stated the following:

“If you do not dispute the validity of this debt, and to prevent further collection activity from being taken, you must make payment in full directly to [the defendant].”

The suit claims this statement is misleading because it failed to mention the plaintiff’s right to request the name of his original creditor – an action the complaint says would also “prevent further collection activity.”

Furthermore, the defendant’s letter allegedly contained another statement noting that the plaintiff’s balance “may vary from day to day” due to “interest and/or other charges.” The suit argues that the debt collector failed to supply additional information that would allow the plaintiff to calculate his true balance with any added charges.