Consumer complaint received 2020-10-25
Company: I.C. System, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to companies concerning these COLLECTION ACCOUNTS and stated these were not mine. None of these belong to me. I have requested several times that I.C. System INC validate the alleged DEBT XXXX NOT MINE /UNVERIFIED but my letters go unanswered without a respond.I.C. System INC are reporting account that does not belong to me and belongs to someone else. I have send this to them several time ... ....

Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. 
I am requesting proper documentation in the following form : YOU must provide a complete payment history. ( The requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. ) Please provide a complete and fully executed ; true and certified copy of the original contract that was signed at the time this account was opened. XXXX XXXX XXXX. v. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX Court of Appeals . ) Confirm under penalty of perjury that you are prepared to produce the original contract with original wet ink signatures should it be necessary for a judge to verify. 

Original contract transferring this debt from the original creditor to YOUR company. ( Agreement bearing my clients signature that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) The source of a debt has to be shown Along with the original day debt was incurred and has to be displayed on the credit report, and the amount your company paid for plaintiff 's debt, how amount sought was calculated. 

If you are not the original creditor, please provide a fully executed true certified copy of the agreement of sale or assignment of this debt from the original creditor. In addition, please provide a true and certified copy of any evidence you may have indicating that my client would be subject to such sale or assignment. 

The authorization to add your collection efforts to my credit profile. 

Intimate knowledge of the creation of the debt by you and the collection agency pursuant to the provisions outlined in the FDCPA. 

Proof that the date of the original debt was not prior to the statute of limitations. 

Show me that you are licensed to collect in my state. 

Provide me with your license numbers and Registered Agent. 

Provide details how the alleged debt was calculated. 
( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, in Circuit Court, XX/XX/XXXX. 

Produce and present IRS Form 1099-OID so I may be apprised of the sum certain amount of my credit you are attempting to extort from me through the United States Postal Service ; NOTE : Mail Fraud is a crime. 
Also take notice that IF the original alleged creditor has a valid debt which is beyond the statute of limitations as prescribed by both state and federal law the collection of this debt is in violation of the law. There are fines for creditors or collection agencies, and credit bureaus if they try and Re-age an account by updating the date of last activity on a credit report in the hopes of keeping negative information on the account longer. This is pursuant to FCRA Section 605 ( c ) running of the reporting period. This is measured from the original contract date or last communication. 

Further, Title 15 U.S.C. 45 ( a ) provides a remedy with Federal Trade Commission on entities that engage in unfair or deceptive act or practice in or affecting commerce that will subject your agency to a formal complaint by the FTC. Section 45 ( a ) ( 1 )  provides : Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Emphasis added mine. Section 45 ( b ) provides that the FTC can issue a formal complaint under the thrust of an Order to Show Cause why an order should not be entered by the Commission requiring such person, partnership, or corporation to cease and desist from the violation of the law so charged in said complaint which in this case would be the unfair or deceptive acts or practices of allowing false, fraudulent, misleading and or unverified debt claims against my name. 

Thank you for your assistance in removing theses items from my report.

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