Consumer complaint received 2026-06-14 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: FL

Complaint narrative:
I.C. System, Inc. is furnishing a collection account in my name to the credit bureaus ( account number XXXX, original creditor XXXX XXXX balance {$260.00} ). I am filing this complaint because I.C. System received a written dispute and validation request from me, failed to validate the debt, and has nonetheless continued to report it conduct that violates both the FDCPA and the FCRA. On XX/XX/XXXX, I sent I.C. System a written dispute and request for validation of this debt by XXXX XXXX Mail. XXXX tracking confirms delivery to I.C. System 's XXXX XXXX, MN XXXX address on XX/XX/XXXX. Proof of delivery is attached. I.C. System can not claim it did not receive my dispute ; the certified record establishes receipt as a matter of fact. In response, I.C. System did not provide validation of this debt. It did not produce a copy of the original signed agreement or account-level records from XXXX, an itemization showing how the {$260.00} balance was calculated, or documentation of its authority to collect this specific account. A form letter or a bare restatement of the alleged balance is not validation It fails to establish that I am the correct party obligated on this debt, that the {$260.00} balance is accurate and properly itemized, or that I.C. System actually owns or was assigned the right to collect it which requires a documented chain of assignment from the original creditor, XXXX, to I.C. System. These are the core elements that validation under the FDCPA, 15 U.S.C. 1692g ( b ), is meant to confirm, and they are also the facts that the FCRA, 15 U.S.C. 1681s-2, obligates I.C. System to verify as a furnisher before continuing to report the account. Without a documented chain of assignment, I.C. System has not shown it has lawful authority to collect this debt under XXXX, and it can not certify the account as accurate or verifiable under XXXX yet it continues to report it. I.C. System 's continued reporting is improper on XXXX independent legal grounds, and I ask that each be addressed separately : First, under the FDCPA, 15 U.S.C. 1692g ( b ), my written dispute obligated XXXX. System to obtain and mail verification before continuing collection activity. It did not do so. Continuing to collect on, and report, a disputed debt without providing that verification violates XXXX ( b ). Second, and independently, under the FCRA, 15 U.S.C. 1681s-2, I.C. System is a furnisher of information to the credit bureaus. Once it received my dispute, it had a duty to conduct a reasonable investigation and to refrain from continuing to report information it has not verified as accurate. Reporting an account it has been unable to validate and that remains on my report nearly XXXX months after my dispute was delivered is a failure of that duty. This FCRA obligation exists regardless of any timing argument I.C. System might raise about the FDCPA validation window, so a response addressing only the FDCPA does not resolve this complaint. To be clear about what a sufficient response requires : a general statement that I.C. System " verified '' the account, or that it " confirmed '' the balance with its records, does not answer this complaint. The only adequate responses are either ( a ) production of the specific documents identified above the original XXXX agreement, a full itemization of the {$260.00} balance, and proof of I.C. System 's authority to collect or ( b ) deletion of the account. This account is materially damaging my credit and obstructing my ability to obtain financing. I.C. System has now reported it for approximately XXXX months after receiving a documented, delivered dispute, without ever producing the documentation required to validate it.

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