Consumer complaint received 2024-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (TX)

I am writing you with this formal objection of claim ( XXXX ) as reported when reported and a demand for swift action on your part. You are non-compliantly reporting improperly to XXXX, XXXX, and damaging my credit. 

You are suspected to be in transgression ( s ) from or of the FCRA ( Fair Credit Reporting Act ). The dishonorable behavior ( s ) might well be subject to fines and damages. I am providing you but this one last hope for resolution of this alleged credit circumstance.

Previously, I had sent you a letter advising you that you were inaccurately reporting. Additionally, in that request, I did assert your necessary requisite ( XXXX ) to modify appropriately my file. Due to your now obvious continued misreporting ( s ), albeit any all or each unfair and/or surely unethically non-compliantly reported, it implies that my sent notice was frustratingly slighted.

Please utilize the following KEY to explain markings on the images of below-shown items being contested : means REQUIRED ALWAYS ^ Required If Applies ~ Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment TRCF Trailer Record HRPF Header Record Packed Format BSPF Base Segment Packed Format XXXX  Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T XXXX XXXX stands for Not XXXX within Cra/and or is Unknown XXXX XXXXXXXX XXXX XXXX XXXX Missing but Required Reported XXXX Potential XXXX XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards XXXX  Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX Credit Reporting Resource Guide FCRA Fair Credit Reporting Act Remove from Reporting now or correct as indicated so to not report any derogatory allegation ( XXXX ) versus me, each any and all negative aspects of the illegitimate claims following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX? -- -- XXXX High Balance : {$140.00} {$140.00} -- -- XXXX Last Verified : XXXX XX/XX/XXXX -- M -- -- XXXX Date of Last Activity : D XX/XX/XXXX I XX/XX/XXXX XXXX -- -- XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX -- -- XXXX Date Opened : XXXX XX/XX/XXXX I XX/XX/XXXX XXXX -- -- XXXX Balance Owed : XXXX {$140.00} XXXX {$140.00} XXXX $ -- XXXX Closed Date : D -- M -- M -- -- XXXX Account Rating : Q Derogatory Q Derogatory Q -- XXXX, XXXX, XXXX Account Description : Individual -- XXXX Dispute Status : Account not disputed Account not disputed -- Creditor Type : Other Collection Agencies XXXX Account Status : XXXX XXXX I Closed -- XXXX Payment Status : Collection/Chargeoff Collection/Chargeoff -- XXXX Creditor Remarks : Placed for collection -- M -- -- XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Past Due Amount : $ -- $ -- $ -- XXXX Account Type : D -- M -- M -- -- The currently reported I C SYSTEM with account number displayed as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, shown as this information is NOT REPORTED on XXXX in this reported claim XXXX my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report. 

Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a deviation from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and is lawfully questionable until evident confirmation of all aspects of claim ( XXXX ) are factually true, correct, complete, timely, physically verifiable, and otherwise undeniably valid, particularly if not certifiably compliant in full according to the above-mentioned XXXX  XXXX formatted industry requirements. 

With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury