Consumer complaint received 2021-04-08
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hello, to whom it may concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer s defined by 15 U.S.C. 1692a ( 3 ) that resigns in Utah ; I would like to thank you for the opportunity to let me address my concerns regarding the third party ; I.C. system ( I.C. ) Debt collector define in 15 usc 1692a, engaged in the business of a collection agency, using telephone & mail to collect consumer debts for profit, I.C. has infringed upon my rights to privacy under the Fair Debt Collection Practices Act, ( FDCPA ) 15 U.S.C. 1692 ( a ). On XX/XX/XXXX I entered a consumer credit transaction with XXXX XXXX with my accepted credit card presume to 15 usc 1602 a ( I ) under the Truth in Lending Act. The Debt was primarily for personal, family or household purposes and is therefore a debt as defined by 15 U.S.C. 1692a ( 5 ) In the initial communication XXXX XXXX as failed to disclose who they are, and what their initial intentions were to attempt to collect a debt, failure to disclose this information is a violation under 15 usc 1692e ( 11 ). I XXXX XXXX ( consumer ) Have noticed XXXX XXXX has took a Tax write off on this Charge off account and sold the Debt to I.C. system. I.C then took my information, furnished an alleged debt for {$800.00} to the consumer reporting agency without my prior consent. I.C. system ( debt collector ) has communicated with me in connection with the collection of a debt which is a violation Under the FDCPA 15 usc 1692c ( a ) I would like to ask how my location information was acquired, and who provided you consent to communicate with I ( consumer ) which I would like I.C system to provide me my written consent of such action, If the request can not be provided, this will be in direct violation of 15 U.S. Code 1692c ( a ). During my initial communication with I.C. system I requested the debt collector to provide me validation of debt, whom the Original creditor was on that debt and to Cease all further collection efforts regarding to the accounts under federal law 15 usc 1692C ( c ). On XX/XX/XXXX I.C. systems have communicated with me defined by 15 usc 1692 ( 2 ) with Statements not respecting the validation request I asked for and the cease & desist request I made clearly with them. This letter was misleading and confusing because it fails to provide the name of the creditor to whom the debt is owed. This form provided information that would allow the least sophisticated consumer to determine the minimum amount that i owed at the time of the receipt of the letter. This letter failed to provide information that would allow, I to determine what will I need to pay to resolve the debt at the time of the receipt of the letter also this letter failed to provide information that would allow the least sophisticated consumer to detriment the amount of billing fees owed and whether any additional billing fees will be added, the date they be added, & the amount that be added. The tender of an illusory settlement is a deceptive means to attempt to coerce a payment from the debtor. .I.C. system used symbols other than the debt collectors address on envelope, which a debt collector may only use the business name if such name does not indicate that he is in the debt collection business. Which is a violation of 15 usc 1692F ( 8 ). Also I.C. system have accused me ( consumer ) of this alleged debt which is a violation under federal law 15 usc 1692b ( 1 ) ( 2 ) I.C. system has harassed me to coerce payment on a debt that they have advertised to me which has ruined my reputation by furnishing my information publicly without my consent this Is a violation of 15 usc 1692d ( 1 ) ( 4 ) I have found in my investigation that I.C. has claimed the original creditor was XXXX XXXX which in fact this firm was just the creditor of the credit sale. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. This is the 2nd time I have disputed the validity of this debt, and for this debt collector to cease further Communication with me through any median. I have sent my document to them certified mail with return recipe to keep a file, if litigation process is needed. I the original creditor I am requesting actual and statutory damages brought by Defendant I.C. system for violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices this is a violation of 15 usc 1692g ( 5 ). I request all further collection efforts against I XXXX XXXX XXXX regarding the accounts and any negative credit reporting be removed of any database. In addition, to the damages I am requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.

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