Product: Debt collection

Category : Debt Collection Incorrect Information on Credit Report Company Name : IC System, Inc. 
Original Creditor : XXXX Account Number : XXXX Complaint Details : I am filing this complaint against IC System for illegally reporting an inaccurate debt to my credit report and violating multiple federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and UCC 1-305 . 

1. Debt is Inaccurate and Must Be Removed In XX/XX/XXXX, I canceled my XXXX account and returned my equipment at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. 
A XXXX representative confirmed in XXXX that I had paid {$140.00} in-store, yet I was wrongly charged for XXXX extra months after cancellation. 
IC System falsely reported this debt ( {$140.00} ) to credit bureaus and has failed to provide legal proof of its validity. 

2. Legal Violations by IC System and XXXX Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i IC System failed to properly investigate and correct an inaccurate collection account. 
15 U.S. Code 1681s-2 IC System furnished false information to credit bureaus despite knowing the debt was invalid. 

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S. Code 1692e ( 8 ) IC System misrepresented the debt by reporting false credit information. 
15 U.S. Code 1692f ( 1 ) It is illegal to collect a debt not legally owed ( charging me for months after cancellation ). 


3. Requested Action from CFPB 1. IMMEDIATE DELETION of this collection from XXXX, XXXX, and XXXX. 
2. Cease all collection attempts against me. 
3. Compensation of $ XXXX for credit damage due to XXXX years of false reporting and financial hardship. 

4. Supporting Evidence ( Attached Files ) Credit report showing IC Systems collection entry. 
Proof of payment ( {$140.00} ) at the XXXX XXXX XXXX in XX/XX/XXXX. 
Any XXXX records or emails proving cancellation and equipment return. 
Phone log from XXXX confirming my payment with XXXX rep. 

Final Statement IC System has XXXX days to correct this violation. If they fail to comply, I will escalate this matter through legal action, reporting to the FTC, and filing a lawsuit under FCRA 1681n for willful noncompliance. Additional Statement for CFPB Complaint : *IC System, Inc. is not the original creditor in this matter, nor do I have any contractual obligation to them. My original agreement was with XXXX XXXX and I have never entered into any contractual relationship with IC System regarding this alleged debt. Under contract law, a third-party collector must provide a valid assignment of debt and proof of legal standing to collect. IC System has failed to furnish such proof. 

Furthermore, I do not acknowledge this debt as valid because it was erroneously charged by XXXX after I had already canceled my service and returned my equipment in XX/XX/XXXX. I was improperly billed for XXXX additional months, which constitutes an unfair and deceptive billing practice. 

Since IC System is attempting to collect on an invalid and unenforceable debt, I demand its immediate removal from my credit report under the Fair Credit Reporting Act ( FCRA ) 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA ) 1692e ( 8 ). 

Additionally, under Uniform Commercial Code ( UCC ) 1-305, I invoke my right to be restored to my original financial standing before this improper reporting, including compensation for damages caused by this erroneous collection. If IC System can not provide valid legal proof of ownership and a binding contractual obligation, this debt must be removed immediately from all credit reporting agencies and collection efforts must cease. *