Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: MS

Complaint narrative:
This complaint concerns unlawful debt collection and credit reporting practices by I.C. System, Inc. in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In the past month or so, I've received collection correspondence from I.C. System, Inc. regarding an alleged debt. In response, I issued a formal written dispute and demand for validation pursuant to 15 U.S.C. 1692g ( b ) received XX/XX/XXXX of XXXX ( return receipt obtained for legal purposes ). Despite this dispute : 1. The account has not been properly validated 2. The collector has continued reporting the account to consumer reporting agencies 3. No competent evidence has been provided demonstrating the validity of the alleged obligation Failure to Validate Debt Under 15 U.S.C. 1692g ( b ), once a debt is disputed, a debt collector must cease all collection activity until proper validation is provided. To date, I.C. System, Inc. has failed to provide : -A copy of the original agreement bearing my signature -Documentation of legal assignment or ownership of the debt -A complete itemized accounting of the alleged balance -Proof of authorization to collect in my state ( Mississippi ) The failure to provide this documentation while continuing collection efforts constitutes a clear violation of federal law. Continued Reporting Without Validation Despite receiving my dispute, I.C. System, Inc. has continued to furnish information regarding this account to consumer reporting agencies. Reporting a debt that has not been properly validated is a violation of : -15 U.S.C. 1692e ( false or misleading representations ) -15 U.S.C. 1692g ( b ) ( failure to cease collection activity ) -15 U.S.C. 1681s-2 ( furnishing inaccurate or unverified information ) This conduct reflects continued collection activity on a disputed and unverified account. Unauthorized Communications Additionally, I.C. System, Inc. has transmitted text messages to my telephone without my express consent. This conduct violates : 15 U.S.C. 1692c ( communication restrictions ) 47 U.S.C. 227 ( Telephone Consumer Protection Act TCPA ) Each unauthorized communication may constitute a separate statutory violation, exposing the company to damages. Legal Standing and Accuracy Concerns I.C. System, Inc. has not provided any documentation establishing : -Legal standing to collect the alleged debt -Chain of assignment from the original creditor -Accuracy of the reported balance Absent this documentation, the account is unverified and potentially inaccurate, yet it continues to impact my estate 's credit profile. Requested Resolution Due to the failure to validate the alleged debt and the continued reporting of unverified information, I am requesting : -Immediate deletion of this account from all consumer reporting agencies -Written confirmation that collection activity has ceased -Documentation confirming that the account will no longer be reported

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