Consumer complaint received 2024-12-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

I am writing regarding the inaccurate reporting of the following accounts on my consumer report, which constitutes violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Privacy Protection Act, 15 U.S.C. 68016802. This letter serves as both a formal dispute and a demand for correction of these inaccuracies. 

Accounts in Dispute I C System Inc ( Collection Account ) Original Creditor : XXXX XXXX XXXX Mobility Balance : {$1000.00} as of XX/XX/year> Discrepancies : Repeated reporting of the same delinquency months and lack of first delinquency date documentation. 

Failure to Ensure Accuracy Under the FCRA As outlined in the congressional findings of the FCRA, 15 U.S.C. 1681 ( a ), consumers are entitled to accurate and fair credit reporting. Your continued reporting of duplicative, inconsistent, and inaccurate information violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ) ( 1 ), which require furnishers to ensure the accuracy of the information reported to consumer reporting agencies.

Invasion of Privacy Under 15 U.S.C. 68016802, financial institutions are required to protect consumers nonpublic personal information. The inaccurate reporting of these accounts has unlawfully invaded my privacy by disseminating incorrect financial details without proper verification or safeguards. 

Harassment and Unlawful Collection Practices Under FDCPA As a victim of XXXX XXXX, the reporting and attempted collection of these debts further violate the FDCPA, 15 U.S.C. 1692d, which prohibits oppressive or abusive practices. Your actions disregard my rights under 18 U.S.C. 1595, which provides protections for survivors of XXXX  and invalidates obligations incurred under coercion or duress. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collector recognized the nullification of debts for victims of XXXX, confirming these debts are not enforceable. 
Demands Cease-and-Desist Communication I hereby demand an immediate cessation of all communications regarding these accounts under 15 U.S.C. 1692c ( c ). This includes reporting these accounts on my consumer report. You are authorized to communicate solely through mail or the Consumer Financial Protection Bureau ( CFPB ) portal. 

Immediate Correction of Reporting Errors Remove all inaccurate entries, including duplicative delinquency months, repeated charge-offs, and erroneous balances.

Provide full documentation substantiating your claims, including the first delinquency date, the last payment date, and a detailed payment history.

Validation of Debt You must cease reporting these debts until they are fully validated under 15 U.S.C. 1681i. This validation must include : Documentation from the original creditor.

Evidence of an accurate and reasonable investigation. 
Debt Forgiveness as a XXXX  Survivor As a survivor of XXXX XXXX, I invoke my rights under federal law, including 18 U.S.C. 1595 and related case precedents, to demand forgiveness of all debts incurred under these circumstances.

Acknowledgment of Rights and Compliance Timeline I require your written acknowledgment of this dispute within 30 days. Failure to address these issues will result in escalation to arbitration or legal proceedings, including a formal complaint to the CFPB.

Conclusion Your ongoing failure to comply with the FCRA, FDCPA, and other relevant statutes is unacceptable. I expect immediate action to correct these violations and will pursue all available remedies should you fail to comply.