Consumer complaint received 2023-05-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Complaint Against I.C. System, Inc. Regarding Unfair Debt Collection Practices I am writing to file a formal complaint against I.C. System, Inc. regarding their egregious and unlawful debt collection practices. Despite my attempts to resolve the matter directly with the company, I have encountered multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and believe it is necessary to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and intervention. 

My complaint pertains to the following violations committed by I.C. System, Inc. : 1. Communication Tactics : I.C. System, Inc. has engaged in relentless and intrusive communication tactics by repeatedly calling me, even after I explicitly requested that all communication be conducted in writing. These incessant phone calls have caused significant emotional distress and created an atmosphere of harassment. Furthermore, during these calls, their representatives have resorted to using abusive and offensive language, which is completely unprofessional and unacceptable. 

2. False Representation : The company has made several false statements and misrepresentations in an attempt to collect a debt that I do not owe. They have falsely claimed to be lawyers or government officials, thereby misleading and intimidating me into making a payment. Such deceptive tactics are in direct violation of the FDCPA and undermine consumer rights. 

3. Attempts to Collect Debt Not Owed : I have never received any written notification regarding the alleged debt until recently, leaving me unaware of my right to dispute the debt. Furthermore, I was unaware of my right to request validation of the debt until conducting independent research. I.C. System, Inc. attempted to collect a debt without providing the necessary information and documentation to substantiate its validity, which is a clear violation of the FDCPA. 

4. Insufficient Information to Verify Debt : Even after receiving the notification, I found the provided information to be inadequate for me to verify the alleged debt. The company failed to provide the amount of the debt, the name of the original creditor, verification or proof of the debt, and their authority to collect it. This lack of documentation raises doubts about the legitimacy of the claim and reinforces my belief that I do not owe the alleged debt. 

Given these violations, I am seeking the intervention of the CFPB to address this matter and take appropriate action against I.C. System, Inc. I request a thorough investigation into their practices and enforcement of the necessary measures to ensure compliance with the FDCPA and other applicable laws. 

Enclosed with this complaint, please find copies of any supporting documentation, such as call logs, correspondence, and any other relevant evidence that substantiates my claims. I am more than willing to provide any further information or assistance necessary to facilitate a prompt investigation into this matter. 

I trust that the CFPB will handle this complaint with the utmost seriousness and work diligently to rectify the situation. I request regular updates on the progress of the investigation and any actions taken in response to this complaint. 

Thank you for your attention to this matter, and I look forward to a swift resolution. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation