I would disagree that the date is Jan 17, I think it is just a smudged 11. It has the overall look of a FDC of the era, even down to the 10:30 AM timestamp seen on (the majority of?) other Indianapolis FDCs found on eBay.
The date is definitely wonky, but for a $40 cover it's not worth $25 to get it certified. It is otherwise a nice clean cover and I'd be happy with it as an FDC, unless/until I got a better copy.
Certainly not a commercial first class letter, with a 13 cent rate.
The addressee is a stamp collector. Here is an ad from "The Philatelic West" magazine 1923,
Quote:
Wanted—Common mixtures from all the countries in the world in quantities of 100, 500. 1000, or up to ten pounds. Write and let me know what you have to offer, with your lowest cash price. I desire consignments of 200 to 1000 cheap stamps from collectors living in any foreign country in the world.—H. N. Haas. Hastings. Neb
January 17th 1926 was a Sunday. Did the post office postmark mail on Sundays in 1926?
Maybe the letter was mailed a day late and it is a 12 instead of an 11, but that doesn't look right either. I think it is just a smudged or misaligned 11.