Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I am filing this complaint because the debt XXXX furnished to XXXX. XXXX and the account being reported on my credit is contractually invalid, inflated, misrepresented, and being collected and reported in violation of multiple federal laws. I enrolled with XXXX in XX/XX/year> and made a {$100.00} payment on XX/XX/year> ( receipt uploaded ), demonstrating good-faith effort to pay ; however, XXXX failed to apply the payment properly and continued sending delinquency notices. My Enrollment Agreement clearly states under XXXX and XXXX XXXX that there are no additional fees, charges, or other costs associated with any of the programs listed, yet XXXX unlawfully added a {$25.00} decline fee and a {$15.00} late fee, which are not permitted by the contract and constitute a breach of contract. Any debt created through breach is not legally enforceable. On XX/XX/year>, I emailed XXXX requesting cancellation and a refund within my XXXX cancellation window, stating, I requested for a refund and for my class to end before my XXXX period and nothing was done, but they ignored the request, violating their own cancellation terms and the legal duty of good faith and fair dealing. When I attempted to make an additional payment on XX/XX/year>, I informed them, I would like to make a payment unfortunately it wont allow me to login, meaning XXXX denied me access to pay yet still escalated the account toward collections. XXXX conduct violates FDCPA 806, 807, and 808, as they created delinquency by blocking my ability to pay, added unauthorized fees, and misrepresented the amount of the debt. XXXX also used deceptive inducement under FTC XXXX XXXX by advertising nationally recognized certification, flexible payment plans, and career services, none of which were provided as advertised. Despite all these issues, XXXX furnished an inflated and inaccurate debt to XXXX. XXXX, and XXXX. XXXX attempted to collect an amount that does not match the contract, payment history, or legal terms, violating FDCPA 807 ( 2 ) ( A ), 807 ( 10 ), 808, and 809 ( b ). Experian is reporting this account with wrong date opened, wrong status updated dates, inconsistent balances, contradictory delinquency months, and conflicting reporting views, violating FCRA 1681e ( b ) ( failure to ensure maximum accuracy ), 1681i ( failure to reinvestigate accurately ), and 1681s-2 ( a ) and ( b ) ( furnishing and failing to correct inaccurate information ). My {$100.00} payment is not reflected anywhere in the reporting, proving further inaccuracy. XXXX refusal to honor cancellation, its addition of fees forbidden by contract, its denial of portal access preventing me from paying, its deceptive representations, its failure to credit my payment, its unlawful furnishing of false information, and XXXX. Systems attempt to collect an inflated and unauthorized amount create a debt that is void, inaccurate, and not legally collectible under contract law, FDCPA, FCRA, and the FTC Act. Due to the contract violations, unauthorized fees, deceptive practices, failure to honor cancellation, improper handling of payments, inflated balance, and inaccurate and conflicting credit reporting, I am requesting that the CFPB order the COMPLETE DELETION of the XXXX. System collection account from all credit bureaus, as the debt itself is invalid and can not be corrected. All evidence, including my Enrollment Agreement, payment receipt, cancellation emails, delinquency notices, and communication showing I was blocked from paying, has been uploaded.

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