Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
NOT A DUPLICATE!! CFPB Rebuttal Complaint Number XXXX I reject IC System 's response in its entirety. The response provided by IC System is completely nonresponsive, fails to address any of the substantive issues raised in my complaint, and provides absolutely no evidence that the alleged debt is valid, accurate, collectible, or legally reportable. My complaint contained detailed factual allegations regarding the origin of the account, including that the service was obtained through XXXX XXXX XXXX 's publicly advertised COVID-19 Emergency Educational Broadband Assistance Program , which offered free internet service to qualifying households with XXXX and college students engaged in remote learning during the pandemic. I specifically explained that my children were required to attend school remotely due to government-mandated COVID lockdowns and that I obtained Spectrum service under that emergency educational assistance program. IC System completely ignored these facts. Instead of conducting an investigation, providing validation, producing billing records, explaining how an alleged balance exceeding {$1000.00} was calculated, or addressing any of the concerns raised, IC System merely stated that the CFPB complaint portal is " not the proper channel '' and that the account has been marked as disputed. This response is not validation. This response is not an investigation. This response is not verification. This response does not establish liability. This response does not establish accuracy. This response does not establish that the balance being reported is correct. Most importantly, this response does not answer a single question presented in my complaint. IC System has failed to provide : Any signed contract creating financial liability. Any service agreement. Any billing statements. Any account history. Any payment ledger. Any records demonstrating how the alleged balance was calculated. Any documentation proving I was not enrolled in XXXX 's COVID educational assistance program. Any records showing when the alleged debt was incurred. Any records demonstrating that required notices were sent. Any documentation establishing IC System 's authority to collect. Any evidence whatsoever that the amount being reported to the consumer reporting agencies is accurate. The complete absence of supporting documentation is especially concerning because the alleged balance exceeds {$1000.00} despite the fact that the service was obtained for a limited period during the COVID emergency educational assistance program that XXXX publicly represented as free to qualifying households. The amount being claimed is facially unreasonable and inconsistent with the circumstances under which the service was obtained. Furthermore, IC System 's response creates serious concerns regarding the continued reporting of this account to the consumer reporting agencies. By virtue of this complaint, IC System, XXXX XXXX XXXX, XXXX, XXXX, and XXXX are all on notice that the account is disputed and that substantial questions exist regarding the accuracy, validity, ownership, calculation, and enforceability of the alleged debt. Despite being placed on notice, neither IC System nor XXXX XXXX has produced a single document demonstrating that the information being furnished to the consumer reporting agencies is accurate. The Fair Credit Reporting Act requires furnishers and consumer reporting agencies to conduct reasonable investigations of disputed information and to maintain procedures designed to assure maximum possible accuracy of information reported on consumer credit files. To date, no evidence has been provided demonstrating that any reasonable investigation occurred. Simply marking an account as disputed while continuing to report a damaging collection account does not satisfy the obligation to investigate the accuracy of the information being furnished. The credit reporting agencies likewise can not rely upon conclusory statements from a debt collector that has failed to produce supporting documentation establishing the validity of the debt. If IC System, XXXX XXXX XXXX, XXXX, XXXX, and XXXX are unable to produce competent documentary evidence supporting the existence, amount, ownership, and reporting of this alleged debt, then continued reporting raises significant concerns regarding the accuracy and reliability of the information being maintained in my consumer file. This collection account is causing ongoing and measurable financial harm. I am actively pursuing mortgage financing, and the continued reporting of this unverified account negatively impacts my creditworthiness, financing options, interest rates, borrowing costs, and ability to complete a home purchase. Every day this account remains on my credit reports without proper validation causes additional damages. Accordingly, I demand the following : Complete account-level validation, including all contracts, service agreements, billing statements, account notes, payment history, service records, collection records, and calculation of the alleged balance. Documentation establishing whether the account was enrolled in XXXX 's COVID Educational Assistance Program and all fee waivers associated with that program. Documentation establishing IC System 's legal authority to collect the debt. Documentation establishing the accuracy of every piece of information furnished to XXXX, XXXX, and XXXX. Documentation establishing that a reasonable investigation was performed by both the furnisher and the consumer reporting agencies. Immediate deletion of the collection account from all consumer reporting agencies if complete validation can not be produced. Written confirmation of the deletion and correction of all associated reporting. IC System 's response fails to rebut a single allegation contained in my complaint. It provides no evidence, no investigation results, no validation, and no proof that the information being reported is accurate. A generic statement claiming that the CFPB is not the proper channel does not relieve IC System, XXXX XXXX XXXX, XXXX, XXXX, or XXXX of their obligations to investigate disputed information and ensure that only accurate, verifiable information is reported. Absent complete documentary proof supporting this account, I request immediate and permanent deletion of this collection account from all consumer reporting agencies.

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