Consumer complaint received 2023-07-18
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I am writing in response to a debt you guys claim I own. I do not believe that I owe this debt or what you say I owe and want some more explanation on it. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? It states that if you can't provide the proof that I am requesting below, then this account must be deleted. I want this account deleted from all 3 credit bureaus if it has been sent to them, if not I want you guys to cease collection if you can not give me my request in this letter and to be emailed/mailed proof of deletion if ALL the information is not 100 % and correct. Under the " Fair Credit Reporting Act '' where it states By Law, I have the rights to challenge anything I am not sure is accurate. This is an account that I do not recognize. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts, I respectfully request that you provide me with the following : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that you are licensed to collect debts in the State of Ohio 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. The amount of the debt and name of the original creditor 7. Your license numbers and Registered Agent or Agent of Service. 

Please respond with ALL of the information that I requested above. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights, because I have disputed this debt in writing, you must obtain verification of the debt or a copy of the judgment against me, and any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I am and will be keeping accurate records of all correspondence from you and your company, including recording all phone calls and emails/texts I have gotten or will get, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX . I have disputed this debt therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, and your failure to comply with the FDCPA, I will inform my lawyer and request that the case be pursued further along with contacting the FDCPA, Attorney General 's Office, and ALL Credit Bureau 's. Thanks.

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