Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate and Unauthorized Information on My Credit Report Dear Sir or Madam, I am writing to formally dispute several items listed on my credit report, which I believe to be inaccurate, unauthorized, or unverifiable under the Fair Credit Reporting Act ( FCRA ). I respectfully request that you investigate these items and, if they can not be verified as accurate, remove them from my credit file. 

Below is a detailed list of the items in dispute : 1. COLLECTION ACCOUNTS XXXX XXXX XXXX Account 1 Original Creditor : XXXX XXXX XXXX  XXXX. 
Account Number : Ending in XXXX Balance : {$1800.00} ( 0 % paid off ) Balance Updated : XX/XX/XXXX XXXX XXXX XXXX Account 2 Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Account Number : Ending in XXXX Balance : {$2600.00} ( 0 % paid off ) Balance Updated : XX/XX/XXXX I.C. System, Inc Original Creditor : XXXXXXXX XXXX  Account Number : Ending in XXXX Balance : {$450.00} ( 0 % paid off ) Date Opened : XX/XX/XXXX Balance Updated : XXXX XXXX, XXXX I request that these collection accounts be fully validated. If they can not be verified as accurate, please remove them from my credit report. 

2. HARD INQUIRIES XXXX  XXXX XXXX Inquiry Date : XXXX Removal Date Listed : XX/XX/XXXX Type : Automobile Dealers, New Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Removal Date Listed : XX/XX/XXXX Type : Auto Financing Companies Phone : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XXXX Removal Date Listed : XX/XX/XXXX Type : Auto Financing Companies Phone : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XXXX Removal Date Listed : XX/XX/XXXX Type : Bank Credit XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Second Entry ) Inquiry Date : XXXX Removal Date Listed : XX/XX/XXXX Type : Auto Financing Companies Phone : ( XXXX ) XXXX Unless these inquiries were authorized or can be verified as accurate, I request that they be removed from my credit report. 

3. CHARGE-OFF ITEMS XXXX  XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Closed Account charged off and written off as of XX/XX/XXXX Original Balance : {$5000.00} Charge-Off Amount : {$1600.00} Last Payment Date : XX/XX/XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed Charged off with a reported balance of {$3700.00} and {$3000.00} past due as of XXXX XXXX Balance Updated : XXXX XXXX, XXXX I contest the accuracy and validity of these charge-off entries and request that you verify each account. If any can not be verified, I ask for their removal from my credit file. 

I respectfully request that you complete your investigation within the 30-day period required under the FCRA and provide me with written documentation of your findings. In the event that any of these items are determined to be inaccurate or unverifiable, please remove them from my credit report immediately. 

Thank you for your prompt attention to these matters. Should you require any additional information or supporting documentation, please contact me at the address listed above. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Credit Report, Supporting Documentation

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