Consumer complaint received 2023-05-30
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention the matter of a debt validation letter sent to IC System on XX/XX/2023 pursuant to the requirements set forth under 15 USC 1682 ( g ). Unfortunately, despite the passage of a considerable amount of time, I have yet to receive the requested documentation as mandated by law. 

On XX/XX/2023, I sent a debt validation letter to IC System requesting that they validate the debt they reported on my credit report. I included all relevant details, such as the account number and the amount in question. According to the FDCPA, they are required to respond within 30 days of receiving the letter.This letter was intended to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and to request the necessary documentation to validate the legitimacy and accuracy of the debt in question. As per 15 USC 1682 ( g ), a debt collector is obligated to provide the requested information within 30 days of receiving such a request. 

However, it has now been over 30 days since the date of the letter, and I have not received any response or documentation from IC System. This failure to provide the requested information not only violates my rights as a consumer under federal law but also raises concerns about the validity and legitimacy of the debt they are attempting to collect. 
I believe it is important for the Consumer Financial Protection Bureau to be aware of this situation. The non-compliance of IC System with the requirements of 15 USC 1682 ( g ) not only undermines the protections afforded to consumers but also indicates a potential violation of the Fair Debt Collection Practices Act. 

Furthermore, I have not granted I C System authorization to acquire my private, confidential, and sensitive data and submit it under my name to the consumer reporting agencies but it seems that my identity has been misappropriated and utilized in a hostile way by their company. For this reason, they have also violated the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act by sharing my non-public personal information with non-affiliated third parties without providing me with a notice that complies with 15 USC 6803 and also failing to give me the opportunity to opt-out as required by 15 USC 6802.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure IC System 's compliance with federal consumer protection laws. It is crucial that debt collectors adhere to the guidelines set forth in the FDCPA to protect consumers ' rights and prevent any potential abusive or unfair practices by reporting false negative/delinquent items that are a defamation of character, ruining my reputation, and my overall creditworthiness. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the appropriate steps to address this issue and uphold the rights and protections of consumers. I look forward to receiving a response from your office regarding the investigation 's progress.

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