Consumer complaint received 2022-06-07
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Violations of Consumer Rights by I.C. SYSTEMS Below : FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

FDCPA Section 807-8,9,10,11 ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

This company I.C. SYSTEMS by law violated my Rights under the FCRA & FDCPA by reporting an inaccurate debt. They collected the debt from an alleged original creditor without my consent ; neither do they have a written agreement with me or even a notice bearing my original signature stating that I would pay this third party collector. Which is an unverifiable debt, which means they're reporting this debt to an agency illegally. This goes against my rights under the FCRA & FDCPA Including but not limited to the above violations of my rights.

Information of the inaccurate account : I.C. SYSTEM, INC Original creditor : XXXX Balance details : 0 % of this account is paid off Balance on XX/XX/XXXX : {$1000.00} Original balance : {$1000.00} Account info : Date opened : XX/XX/XXXX Account type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date : XX/XX/XXXX Comments : Account information disputed by consumer Statements : No Statements Contact info : Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX

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