Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Date : XX/XX/XXXX IC Systems , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : Cease and Desist Notice Regarding Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally request that your company immediately cease and desist from further collection activities related to the account referenced above, Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I dispute the validity of this debt and request that all communication from IC Systems , Inc. be terminated, including any and all reporting of this account to credit reporting agencies, as this constitutes communication under the Fair Debt Collection Practices Act ( FDCPA ). 

1. Cease and Desist Request Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), a consumer has the right to request that a debt collector cease all communication once a written request is made. The statute specifically provides : " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer, except to advise the consumer that the debt collector 's further efforts are being terminated. '' Accordingly, I am invoking my rights under the FDCPA to request that you cease and desist from all further communication regarding this account. This includes but is not limited to : Telephonic communication Letters or emails Reports to credit bureaus. 

XXXX. Removal from Credit Report I also request that IC Systems immediately remove this account from my credit report with all three major credit reporting agencies : XXXX, XXXX, and XXXX. Reporting this disputed account to credit bureaus constitutes a form of communication and is prohibited under the FDCPA, 15 U.S.C. 1692c ( c ), once a cease and desist request is issued. 

As established in the case of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), continued reporting of a disputed debt to credit bureaus after a cease and desist request can violate the FDCPA, which protects consumers from unfair collection practices. The court in this case ruled that continuing to report the debt after a consumer 's request to cease communication can constitute an illegal collection effort. 

XXXX. Debt Validation Request Additionally, under the FDCPA, I formally request full validation of the debt as required by 15 U.S.C. 1692g. Please provide the following documentation : A detailed accounting of the debt, including the original amount, any accrued interest, fees, and payments made. 

The name and address of the original creditor. 

Proof that IC Systems is authorized to collect this debt on behalf of the original creditor. 

The original signed agreement between me and the creditor, if applicable. 

If you fail to provide the requested validation within 30 days, you are legally prohibited from continuing to pursue or report this debt. 

4. Potential Legal Consequences Please be aware that any continued collection activity, including reporting to the credit bureaus, after this request will be considered a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under the FCRA, you are required to report accurate information to the credit bureaus. If the information reported is found to be inaccurate or incomplete, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may take legal action. 

XXXX. Conclusion In summary, I demand that : All communication from IC Systems, including reporting to credit bureaus, cease immediately. 

The disputed account be removed from my credit report with XXXX, XXXX, and XXXX. 

Proof of debt validation be provided within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. I expect confirmation of the removal of this account from my credit report and a written response within the statutory period of 30 days. Should you fail to comply, I will pursue further legal action. 

Sincerely, XXXX 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