Consumer complaint received 2024-11-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc. (CA)

On XX/XX/XXXX, I made afternoon this matter has become much worse, made a call to the provide and searched contact information for XXXX call, was asked to provide personal information such as SS account number to access an live operator, or no contact/hang up if not provided. I was then immediate transfer to another company called IC System by the : 1st called operator : I C system, located in Minnesota, was hung up on for asking question and not providing personal information. 
Time : 46secs 2nd called operator : continuous ask for extra personal information as well, hung up without explanation or disclosure of whom I was transferred to by XXXX. 
Time : 2mins and 24secs 3rd called operator : Was politer and more provided me with a mailable XXXX XXXX. XXXX, put continue the same behavior as the 1st and 2nd, and chose to discontinue the converse same way. 
Time : 5mins and 40sec 4th called operator : Just to seek information, as operator told me my file was given to them, was politer as well but non-informational too, and discontinue the converse on the statement of without further information they have to release this call. 
Time : 13 mins and 45secs Here are my direct issues by Minnesota Laws, with their conduct : Hanging up on consumers during phone calls Failing to provide full name of collection agency as it appears on license Failing to properly identify themselves during calls Abruptly ending calls when consumers exercise their rights Failing to include required disclosure : " This collection agency is licensed by the Minnesota Department of Commerce '' Must be properly licensed to operate in Minnesota Here are my direct issues by California laws, with their conduct be they were not licensing until this year : Operating without proper licensing prior to compliance requirements Engaging in unlawful, unfair, deceptive, or abusive debt collection practices Subject to DFPI investigation in XXXX as part of the first major action under CCFPL Operating without required California license after XX/XX/XXXX Using unfair or deceptive practices Making false representations An addition potential violation regarding debt collection practices. During my review of the collection attempts, I have identified more concerns and discrepancies with name verifications. The debt collector, I C System Inc., claims to be collecting on behalf of XXXX for when you call the number provide on credit report it auto directs to I C System Inc. after few provide formal phone number. However, I C System Inc. is not listed as an authorized collection agency for any of XXXXXXXX XXXX registered business entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
My documentation concerns theres hasnt been any provided establishing the relationship between I C System Inc. and any XXXX entity. The collection agency has failed to establish their legal right to collect this debt, ostracizing me when requested to provide verification of their authority to collect on behalf of XXXX by continuously hanging up the phone when contacted for further information, I C System Inc. has failed to provide or verify association between I C System Inc. but states : they sent your file to us. 
I C System Inc. has failed to provide or verify association and any registered XXXX XXXXntity raises serious concerns about the legitimacy of their collection authority and may constitute violations of both FDCPA and FCRA guidelines regarding proper debt collection practices. '' I believe XXXX 's actions constitute a willful violation of the FCRA by continuing to report inaccurate information by reporting any of these misleading and deceptive information that has significantly impacted my credit score, ostracizing me from any ; and all financial, equitable opportunity to live free. 

I graciously request that the CFPB investigate this matter, to work in tandem you, to fulfill the lawful requirements for to correct their reporting practices in accordance with FCRA guidelines. 
Complaint has been submitted to FCC about XXXX involvement of debt parking practices.