Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc. (GA)

I am disputing the following account : Account Information : Account # : XXXX Account Type : Collection Agency/Attorney Creditor Type : Account Rating : Payment after charge off/collection Portfolio Type : Collection Owner of Account : Individual Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2800.00} Past Due Amount : {$0.00} Last Payment : {$0.00} Last Payment Date : N/A Original Balance : {$0.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX Paid off Date : XXXX Closed Date : N/A Resolution : Current Status : Placed for collection Action History : No Actions Taken Creditor Information : I C SYSTEM  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX sent mailed disputes to I C System in XXXX and have yet to receive a response. The company either fails to report fairly according to their own industrys Metro2 Compliant standards or is not meeting my states applicable regulatory mandates, which raises legitimate concerns. Additionally, I have repeatedly asked the agents to stop calling me, but the calls have continued. 

Specifically : 1. The negative information portrayed by the company may not comply with my states regulatory mandates and the required standards. 
2. It may also fail to meet federal regulatory requirements for lawful reporting practices, procedures, and processes. These standards are in place to ensure that all negative claims against consumers are accurate, complete, confirmed, verifiable, and validated. 

My contention is that I C System, either through ignorance or willful negligence, has elected to report information that lacks credibility according to their own governing bodys guidelines as outlined in the XXXX XXXX manual ( see XXXX XXXX ). The manual states : ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY OF THE DATA. This deviation gives me the right to contest the companys privilege to report such information against me. 

In my dispute filed with the CFPB, I requested I C System to provide documented proof confirming the accuracy and compliance of the information they reported against me. As a consumer, I have the right to demand ethical reporting practices that ensure the data reported is fair, true, correct, timely, complete, and provable. 

I C System has not responded to my demand for proof of adherence to reporting standards. This failure forces me to seek CFPB intervention to ensure the companys compliance with reporting laws. 

Please act now to have I C System remove any unproven claims from their records and reporting. Specifically, I demand the removal of any information inadequately reported ( such as account name, account number, and the type of alleged negativity, e.g., charge-off ) until the company can demonstrate compliance with reporting standards and provide provable evidence of the negative assertions against me. 

I am within my rights to demand evidence of reporting appropriateness, and I will continue to enforce these rights.