Consumer complaint received 2023-03-13 00:00:00
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.
State: GA

Complaint narrative:
I sent a debt verification letter on XX/XX/XXXX and XX/XX/XXXX and never got any type of response back. I have no knowledge of this company or this debt. This has been ongoing since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Dear I.C. System, INC : I amrespondingtoyourcontactaboutadebtyou aretryingtocollect.Pleasesupplytheinformation belowsothatIcanbefullyinformed : WhyyouthinkIowethedebtandtowhomIoweit, including : Thenameand addressofthecreditortowhomthedebtiscurrentlyowed, theaccountnumberusedbythatcreditor, andtheamountowed. 

If thisdebtstarted withadifferentcreditor, providethenameand addressoftheoriginal creditor, theaccountnumberusedbythatcreditor, and theamountowedtothatcreditor at thetimeitwastransferred.Whenyou identifytheoriginal creditor, pleaseprovideanyother namebywhichImightknowthem, ifthatisdifferentfromtheofficialname.Inaddition, tellme when thecurrentcreditorobtained thedebtand whothecurrentcreditorobtained itfrom.

Provideverification anddocumentationthatthereisavalidbasisforclaimingthatIamrequired topaythedebttothecurrentcreditor.Forexample, canyouprovideacopyofthewritten agreementthatcreatedmyoriginalrequirementtopay?

Ifyouareasking thatIpayadebtthatsomebodyelseisorwasrequiredtopay, identifythatperson.Provideverification anddocumentation aboutwhythisisadebtthatIamrequiredtopay.

Theamountand ageof thedebt, including : A copyofthelastbilling statementsenttomebytheoriginal creditor. 

Statetheamountofthedebtwhenyouobtained it, and when thatwas. 

If therehavebeen anyadditional interest, feesor chargesadded sincethelastbilling statement fromtheoriginal creditor, providean itemization showing thedatesandamountofeach added amount. In addition, explainhowtheadded interest, feesorotherchargesareexpressly authorizedbytheagreementcreatingthedebtorarepermittedbylaw. 

If therehavebeen anypaymentsorotherreductionssincethelastbilling statementfromtheoriginal creditor, providean itemizationshowingthedatesandamountofeachof them. 

If therehavebeen anyotherchangesor adjustmentssincethelastbilling statementfromtheoriginal creditor, pleaseprovidefullverification anddocumentationof theamountyou are tryingtocollect. Explainhowthatamountwascalculated. In addition, explainhowtheother changesoradjustmentsareexpresslyauthorizedbytheagreementcreating thedebtorpermittedbylaw.

Tellmewhen thecreditorclaimsthisdebtbecamedueand whenitbecamedelinquent.

Identifythedateofthelastpaymentmadeonthisaccount.

Haveyoumadeadetermination thatthisdebtiswithin thestatuteof limitationsapplicableto it? Tellmewhenyouthinkthestatuteof limitationsexpiresfor thisdebt, andhowyoudetermined that.

Detailsaboutyour authoritytocollectthisdebt. 

I would likemoreinformation aboutyour firmbeforeIdiscussthedebtwithyou.Doesyour firmhaveadebtcollection licensefrommystate? Ifnot, saywhynot.Ifso, providethedateofthe license, thenameonthelicense, thelicensenumber, and thename, addressandtelephonenumberof thestateagencyissuing thelicense.

Ifyouarecontactingmefromaplaceoutsidemystate, doesyour firmhaveadebtcollection licensefromthatplace? Ifso, providethedateofthelicense, thenameonthelicense, the licensenumber, andthename, addressandtelephonenumberof thestateagencyissuing the license. 


IhaveaskedforthisinformationbecauseIhavesomequestions.I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. 


In addition to providing the information requested above, pleaseletmeknowwhetheryou arepreparedtoacceptlessthan thebalanceyou areclaiming isowed.Ifso, pleasetellmeinwritingyourofferwith the amount you willacceptto fully resolve the account. 

Thank you for your cooperation 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