Consumer complaint received 2020-09-17
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
****NOT A DUPLICATE**** Previously submitted complaint XXXX on XX/XX/XXXX via CFPB website! Company failed to respond directly to CFPB and closed out the complaint on XX/XX/XXXX. Company needs to respond directly to the complaint via CFPB portal! In the previous complaint, as well as this one, I advised that I give permission for the company to submit any information to the CFPB. This company continues to violate my rights under FCRA guidelines! The company claimed to have sent their response directly to me because they couldn't verify that it was me who submitted the complaint against them, but they also never verified it was me before reporting and adding negative derogatory information to my credit report! They've never sent anything else to me before now! Never contacted me before now! I will continue to submit complaints until they respond with an answer on the CFPB website and submit a letter on company letterhead advising that they have deleted all negative information being reporting illegally. Who else would be filing a complaint against them for fraudulently reporting information on MY credit? They're using this as a stall tactic to gather more information about me in an effort to harass me or fraudulently use my personal information!! I don't want to be contacted by ANY OTHER means EXCEPT this portal! ****READ THE FOLLOWING ENTIRELY**** I received an alert from the credit bureaus that this collection account was added to my credit report on XX/XX/XXXX. When I logged into my credit monitoring service the information listed reflects that the collection agency I C System, located at XXXX XXXX XXXX XXXX XXXX MN, XXXX. Phone XXXX states that the partial account number XXXX was opened with them on XX/XX/XXXX in the amount of {$530.00} and that the original debtor is XXXX XXXX. I have never heard of this debt collector prior today. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 4 times today ... ( Calls were recorded on my end )! To  find out more information and to dispute the account. I was transferred to various departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've ever married or divorced, if I've ever used any aliases and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted, violated and harassed. I felt as though the company was a fraud! Illegally trying to get my personal information to scam me. ****THE FAIR DEBT COLLECTION PRACTICES ACT STATES THAT A DEBT COLLECTOR MUST SEND THE CONSUMER A WRITTEN NOTICE CONTAINING THE AMOUNT OF THE DEBT, NAME OF CREDITOR AND A STATEMENT STATING THAT THE CONSUMER HAS 30 DAYS TO DISPUTE THE VALIDITY OF THE DEBT OR THE DEBT WILL BE CONSIDERED VALID BY THE DEBT COLLECTOR. IF THE CONSUMER FAILS TO DISPUTE THE DEBT WITHIN THAT 30 DAY TIME PERIOD DOES NOT GIVE ADMISSION OF LIABILITY! IF THE AGENCY DOES NOT FOLLOW THIS PROCESS THEN THEY HAVE NO RIGHTS OR GROUNDS TO COLLECT OR REPORT THE DEBT TO ANY CREDIT BUREAUS AND MUST IMMEDIATELY REMOVE THE DEBT DEBT FROM THE CONSUMERS CREDIT REPORT! XXXX The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail.

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