Product: Debt collection

IC System, Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX To Whom It May Concern : This letter serves as a formal complaint and direct notice to IC System , Inc. , regarding your obligations under federal and Texas state laws governing debt collection and consumer protection. You are hereby advised that you must adhere to and comply with every law listed in this letter. Any attempt to circumvent or deviate from the laws of the United States Government and the State of Texas will be met with legal and regulatory consequences. 


Questions Requiring Immediate Answers Why do you have my information on the XXXX credit report agency? 
Do you have my explicit consent to report information against me on my credit profile? 
Did you violate my privacy by reporting this information without my consent? 
What permissible purpose do you claim under federal law that allows you to report this information and potentially violate my privacy? 
Your privacy policy, reviewed on your website, is limited to two pages and lacks sufficient detail compared to other debt collectors. It fails to address key compliance issues, raising serious concerns about your adherence to federal and state laws. 

Additionally, you are hereby instructed to immediately cease all communication with me regarding any alleged debt associated with any account or reference number. Specifically, I consider any reporting of any alleged debt to credit reporting agencies as a form of communication under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 


Violations of Federal and State Laws 1. Failure to Validate the Debt ( FDCPA 1692g ) You are reporting a collection account for XXXX XXXX XXXX XXXX , with a balance of {$2900.00}, without providing proper debt validation. The original balance was {$2800.00}, and the collection account began on XX/XX/XXXX. You have failed to validate this debt within five days of initial communication, as required by law. 


2. Illegal Credit Reporting Without Validation ( FCRA 1681s-2 ( a ) & FDCPA 1692e ( 8 ) ) You are reporting this alleged debt to XXXX without validating its accuracy. This violates the Fair Credit Reporting Act ( FCRA ) and the FDCPA, which prohibit furnishing inaccurate or unverified information to credit reporting agencies. 


3. Failure to Provide Proof of Texas Licensing ( Texas Finance Code 392.101 ) Under Texas law, debt collectors must be licensed and bonded to operate in the state. I demand proof that IC System , Inc. is properly licensed and bonded to collect debts in Texas. 


4. Unfair and Unconscionable Collection Practices ( FDCPA 1692f ) Your actions, including reporting unverified debts to credit agencies, constitute unfair and unconscionable practices under the FDCPA. 


5. Unauthorized Disclosure of Financial Information ( GLBA 6801 ) You have failed to outline safeguards for protecting sensitive consumer data during transmission or storage, as required under the Gramm-Leach-Bliley Act ( GLBA ). 


Impact on My Credit Profile Your actions have had a negative impact on my credit profile, causing emotional distress, financial harm, and damage to my reputation. This has hindered my ability to secure credit, housing, and other essential financial services. 


Demand for Documentation I demand the following documentation to verify your claims and ensure compliance with federal and state laws : Proof that IC System , Inc. legally owns or is authorized to collect the debt. 
A detailed breakdown of charges, payments, and balances. 
Verification of the debts accuracy and proof of my responsibility for it. 
Assignment of the debt, including the chain of custody. 
All paperwork clearly showing IC System , Inc. as the actual owner of this debt. 

Violations of Texas State Laws ( Texas Finance Code & Deceptive Trade Practices Act - DTPA ) 1. Failure to Be Properly Licensed and Bonded ( Texas Finance Code 392.101 ) IC System , Inc. has failed to provide proof of proper licensing and bonding in Texas, as required by law. 


2. Deceptive Trade Practices ( DTPA 17.46 ( b ) ( 12 ) & 17.46 ( b ) ( 24 ) ) Your misrepresentation of debt validation procedures constitutes deceptive trade practices under the DTPA. 


3. Unconscionable Collection Activities ( DTPA 17.50 ( a ) ( 3 ) ) Your actions are unconscionable and have caused significant harm to me as a consumer. 


Inaccurate Credit Reporting ( Violation of FCRA 1681s-2 & 1681e ( b ) ) Failure to Mark the Debt as Disputed ( FCRA 1681s-2 ( a ) ( 3 ) ) : IC System, Inc. has failed to mark the alleged debt as disputed, as required by the FCRA. 
Furnishing Inaccurate Information ( FCRA 1681e ( b ) ) : You have provided inaccurate information to XXXX, violating the FCRA 's mandate for maximum possible accuracy in credit reporting. 
Failure to Disclose Full Consumer File ( FCRA 1681g ( a ) ( 1 ) ) : IC System , Inc. has potentially violated the FCRA by failing to disclose my full consumer file upon request. 

Next Steps If these issues are not resolved promptly, I will file formal complaints with the following agencies : Texas Attorney Generals Office Consumer Protection Division Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) Additionally, I will pursue legal action for damages resulting from your unlawful actions, including harm to my credit profile and emotional distress. 


Relevant Legal Actions Against IC System , Inc. 

IC System, Inc. has faced numerous lawsuits alleging violations of the FDCPA and FCRA, including : XXXX XXXX XXXX I.C. System, Inc. A class action lawsuit filed in Texas in XXXX  alleging violations of the FDCPA. 
XXXX XXXX v. I.C. System, Inc. A lawsuit alleging misleading and unfair debt collection letters. 
XXXX XXXX v. I.C. System, Inc. A XXXX lawsuit under the FDCPA. 
XXXX XXXX v. I.C. System, Inc. A lawsuit alleging misleading debt collection notices. 
These cases highlight a pattern of noncompliance and consumer harm. 


Conclusion This is a direct notice to IC System, Inc. You are required to comply fully with every law listed in this letter. Failure to do so will result in regulatory complaints and legal action. 

I demand immediate corrective action to address the outlined violations, including : Ceasing all communication with me regarding this alleged debt. 
Providing the requested documentation to validate the debt. 
Removing the inaccurate information from my credit report immediately. 
This matter must be resolved promptly and satisfactorily. I expect a detailed response addressing each of the concerns raised in this letter, not a generic form letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX