Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Date : XXXX/XXXX Respondent ( Debt Collector ) : I.C SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL XXXX XXXX XXXX Account Reference : XXXX Reported Balance : {$240.00} Prior Notice Sent : XX/XX/year> Certified Mail Cease & Desist / Validation Request ) Bureaus Reporting : XXXX XXXX XXXX BACKGROUND & BASIS OF DISPUTE I am submitting this complaint regarding the conduct of I.C SYSTEM, INC, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. The above-referenced account, allegedly in the amount of {$240.00} and associated with I.C SSTEM, INCis currently being reported and/or collected despite being formally disputed. The information being furnished is unreliable due to the absence of proper verification and raises concerns regarding its legal enforceability. On XX/XX/year>2026 I provided written notice via Certified Mail instructing I.C SYSTEM, INC to halt all collection efforts, substantiate the debt with competent documentation, and correct or remove any inaccurate reporting. To date, no meaningful response has been provided, and the account continues to be reported. Additionally, critical reporting information specifically the Date of First Delinquency has not been disclosed, preventing confirmation of whether the account falls within the legally permitted reporting timeframe. APPLICABLE LEGAL VIOLATIONS XXXX. Failure to Investigate and Verify Disputed Information ( FCRA 15 U.S.C. 1681s-2 ( b ) ) Upon receipt of a dispute, a furnisher is required to conduct a reasonable investigation and ensure the accuracy of the information being reported. The continued reporting of this account without verification reflects a failure to meet this statutory obligation. 2. Reporting Potentially Obsolete or Time-Barred Debt ( FCRA 15 U.S.C. 1681c ( a ) ( 4 ) ) Federal law restricts the reporting of adverse accounts beyond seven years from the Date of First Delinquency. The failure to provide this date raises significant compliance concerns. Continued reporting under these conditions may also constitute a deceptive practice under FDCPA 15 U.S.C. 1692e. 3. Insufficient Validation of Alleged Debt ( FDCPA 15 U.S.C. 1692g ) Despite a formal request, I.C SYSTEM, INC has not produced documentation sufficient to establish the validity of this debt. This includes, but is not limited to : Evidence of a contractual obligation A complete and itemized account history Documentation demonstrating legal authority to collect Absent this information, continued collection or reporting activity is improper. 4. Continued Activity After Written Notice to Cease ( FDCPA 15 U.S.C. 1692c ( c ) ) Following receipt of my written request to cease communication and collection activity, I.C. SYSTEM, INC has continued to report and/or attempt to collect this account. Such conduct is inconsistent with federal requirements and constitutes ongoing noncompliance. IMPACT OF NONCOMPLIANCE As a result of these actions, I have experienced : Adverse impact to my credit standing Loss of access to financial opportunities Increased borrowing costs Emotional and financial hardship REQUEST FOR ACTION I respectfully request that this matter be reviewed and that appropriate corrective measures be taken, including : A full investigation into the conduct of I.C SYSTEM, INC Immediate removal of the disputed account from all consumer reporting agencies Enforcement of compliance with applicable federal statutes Consideration of penalties for noncompliance Accountability for damages pursuant to : FDCPA 15 U.S.C. 1692k FCRA 15 U.S.C. 1681n DOCUMENTATION Supporting documentation is available and can be provided upon request, including : Prior written correspondence Proof of certified mailing Credit report records All documentation has been preserved. I affirm that the information provided is accurate to the best of my knowledge.

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