Consumer complaint received 2026-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX : IC System , Inc. Subject : Collection Account Reported Without Required Validation Notice and Opportunity to Dispute Dear Consumer Financial Protection Bureau, I am filing this complaint against IC System regarding a collection account they have reported to the consumer reporting agencies. I recently discovered that IC System placed a collection account on my consumer report with a balance of approximately {$230.00}. However, I never received a debt validation notice or any of the disclosures required by federal law before the account was reported. My complaint is based on the following : 1. Failure to Provide Validation Information IC System reported a collection account to the consumer reporting agencies without first providing me with the validation information required under 12 CFR 1006.34. I never received a validation notice identifying the debt, my dispute rights, or other required disclosures before the collection account appeared on my credit report. 2. Failure to Provide a Meaningful Opportunity to Dispute Because I did not receive the required validation notice, I was denied the opportunity to exercise my dispute rights before the account was furnished to the credit reporting agencies. This appears inconsistent with the protections afforded to consumers under Regulation F. 3. False, Deceptive, and Misleading Reporting The account is being reported as a collection account, yet the credit reporting information states that I am currently late on my payment and should make a minimum payment to bring the account back into good standing. This language is misleading because collection accounts are not traditional open credit accounts requiring monthly minimum payments. Additionally, the account status is reported as Unknown, which raises concerns regarding the accuracy and completeness of the information being furnished. 4. Improper Furnishing of Information IC System furnished information about this alleged debt to consumer reporting agencies despite my not having received the legally required disclosures and validation information. I believe this reporting is inaccurate, misleading, and harmful to my credit profile. I respectfully request that the CFPB investigate this matter and require IC System to : * Provide evidence that a compliant validation notice was sent and delivered. * Provide all documentation supporting the alleged debt. * Conduct a reasonable investigation into the accuracy of the reporting. * Correct or delete any inaccurate, incomplete, or misleading information. * Remove the collection account entirely if they can not demonstrate compliance with federal law and substantiate the debt. I have attached supporting documentation showing the current reporting of this account. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation