Consumer complaint received 2024-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (LA)

I am filing a complaint regarding an account from I.C. SYSTEM INC, listed on my credit report with XXXX. The account in question indicates that I owe {$700.00}. I have disputed this account with XXXX three timeson XX/XX/year>, XX/XX/year>, and XX/XX/XXXX, XXXX get the account verified and to receive the necessary documentation proving the validity of the debt. However, neither XXXX nor I.C. SYSTEM INC has provided the documentation I requested, which I am legally entitled to under federal and Louisiana state law. 

Details of Disputes and Actions Taken : XXXX. XX/XX/year> : Action : Disputed the account with XXXX. 
Reason : Requested verification and documentation proving the debt. 
Response : XXXX marked the account as verified but did not provide any documentation from I.C. SYSTEM INC. 
XXXX. XX/XX/year> : Action : Disputed the account with XXXX for the second time. 
Reason : Stated that I never had a contract with this debt collector for any debt and requested proof from the original creditor that I.C. SYSTEM INC owns this debt and has the legal authority to collect it. 
Response : XXXX again marked the account as verified but did not provide any documentation from I.C. SYSTEM INC. 
XXXX. XX/XX/year> : Action : Disputed the account with XXXX for the third time. 
Reason : Stated disagreement with the amount and the open date of the account. Requested the last billing statement from the original creditor showing the amount due and the date it was due. 
Response : XXXX marked the account as verified once more but did not provide any documentation from I.C. SYSTEM INC.

Violations of Federal and State Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Failure of the credit reporting agency to notify the furnisher of information ( I.C. SYSTEM INC ) of the dispute within five business days from the date of the consumers dispute.

15 U.S.C. 1681i ( a ) ( 4 ) : Failure to review and consider all relevant information submitted by the consumer in connection with the dispute.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : 15 U.S.C. 1692g ( b ) : Failure of the debt collector to cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt and a copy of such verification is mailed to the consumer. 
15 U.S.C. 1692e ( 10 ) : Use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Louisiana Revised Statutes ( LRS ) Title 9, 3571.1 : LRS 9:3571.1 ( A ) : Prohibits any person from engaging in the collection of debts in a manner that violates the FDCPA.

LRS 9:3571.1 ( D ) : Provides that a consumer reporting agency shall notify the furnisher of information of the dispute and shall review and consider all relevant information provided by the consumer. 

Request for Resolution : Despite my repeated requests, I have not received any of the documentation I am legally entitled to under the FCRA, FDCPA, and Louisiana state law. XXXX and I.C. SYSTEM INC have not been forthcoming in providing the proof required to verify the debt. If this issue is not resolved, I will have no choice but to exercise my rights under federal and state law and take legal action.

If I.C. SYSTEM INC can not provide the requested documentation proving that they own this debt and have the legal authority to collect it, I request that this account be removed from my credit report immediately.