Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
CFPB COMPLAINT SUMMARY Consumer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX Email : XXXX Phone : ( XXXX ) XXXX Company Complained About : XXXX. XXXX, XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX Original Creditor : XXXX XXXX Issue Type : Debt collection / Credit reporting / Unauthorized data use / Privacy violation XXXX. Summary of Complaint I.C. System, Inc. is reporting a XXXX XXXX collection account on my credit file without verified documentation, valid contract, or lawful authorization to collect or share my personal identifiers. 

On XX/XX/2025, I served I.C. System with a Debt Validation, XXXX XXXX, and Deletion Demand ( attached ) requesting full verification of the alleged {$220.00} debt, proof of assignment, and disclosure of any insurance, bond, or securitization instruments tied to the account. I also requested confirmation that my Social Security number and identifiers were lawfully obtained and used in compliance with federal privacy statutes. 

I.C. System has failed to respond or provide validation, yet continues to report this account to XXXX XXXX XXXX XXXX, damaging my credit and causing denial of credit through XXXX. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ), 1692e, 1692f ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ), and the Michigan Collection Practices Act ( MCL 445.251 et seq. ). 

XXXX. Specific Violations and Concerns a. Failure to Validate Debt : I.C. System did not provide any signed contract, billing statement, or legal assignment from XXXX XXXX proving the existence or ownership of this alleged debt. 

b. Unauthorized Access and Privacy Breach : The company is handling and transmitting my Social Security number, date of birth, and personal identifiers without a verified contract or consent, violating the Privacy Act ( 5 U.S.C. 552a ), Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ), and 15 U.S.C. 1681b of the FCRA.

c. Failure to Correct or Delete False Information : Under 15 U.S.C. 1681s-2 ( b ), I.C. System must conduct a reasonable investigation and delete unverifiable data once notified of a dispute. They have not complied, leaving the false tradeline active.

d. Omission of Insurance, Bond, and Securitization Disclosure : I requested disclosure of any insurance, surety, or securitization instruments used to indemnify or profit from this alleged account. I.C. System has not responded, raising concerns of unjust enrichment and double recovery in violation of 15 U.S.C. 1692e and XXXX XXXXXXXX. 

XXXX Failure to Cease Collection Activity Pending Verification : Despite my formal dispute, I.C. System continues to report and maintain this account on my credit file in violation of 15 U.S.C. 1692g ( b ). 

XXXX. Supporting Legal Context and Evidence All identifiers and data connected to XXXX XXXX XXXX XXXX are secured under Michigan UCC Filing No. XXXX, recorded XX/XX/2025. 
This filing perfects a lawful security interest in all personal identifiers, contracts, and commercial instruments under XXXX XXXXXXXX, XXXX, and XXXX. 

Any unauthorized use, transfer, or monetization of my identifierssuch as by I.C. System or its vendorsconstitutes conversion, fiduciary breach, and discrimination under 15 U.S.C. 1691a and XXXX XXXX XXXX XXXX XXXX 

XXXX. Requested CFPB Action I respectfully request that the CFPB investigate and require I.C. System, Inc. to : Cease all collection and reporting activity until lawful verification and documentary proof are produced ; Provide all documentation establishing contractual authority, ownership, and lawful handling of my identifiers ; Disclose all insurance, surety, and securitization instruments related to this alleged account ; Request immediate deletion of the XXXX XXXX tradeline from XXXX XXXX XXXX XXXX ; and Provide written confirmation of compliance and corrective action. 

XXXX. Evidence Submitted Debt Validation, Forensic Audit, and Deletion Demand I.C. System ( dated XX/XX/2025 ) XXXX Report XXXX I.C. System/ XXXX XXXX  ( XX/XX/2025 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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