Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am filing this complaint against I.C. System, Inc. regarding a collection account they are furnishing to the nationwide consumer reporting agencies on behalf of XXXX XXXXXXXX XXXX XXXX ( XXXX ) in the approximate amount of {$470.00}. I formally dispute the validity, completeness, accuracy, and legal basis for this account. I first became aware of this alleged debt after discovering it on my consumer credit reports. Prior to that discovery, I do not recall receiving written notice advising me that the account had been placed with I.C. System or informing me of my opportunity to dispute the debt. As a result, I was deprived of the opportunity to meaningfully evaluate or challenge the account before it negatively affected my credit profile. Because I dispute the account, I request that I.C. System produce competent evidence demonstrating both the validity of the alleged debt and the accuracy of every item of information it furnished to the consumer reporting agencies. Specifically, I request the following : The complete account history from XXXX XXXX XXXX XXXX. The original service agreement or other documentation establishing my legal responsibility for the account. The service address associated with the account. Every monthly billing statement. The final billing statement. A complete payment ledger. A detailed itemization explaining how the alleged balance of {$470.00} was calculated. Documentation showing the date the account was referred or assigned to I.C. System. Documentation establishing I.C. Systems authority to collect on behalf of XXXX XXXXXXXX XXXX XXXX. The date any validation notice was allegedly mailed. The address to which that notice was allegedly mailed. Documentation supporting every item of information reported to XXXX XXXX XXXX XXXX I further request that I.C. System explain the procedures it used to determine that the information it furnished to the consumer reporting agencies was complete, accurate, and supported by competent documentation. As a furnisher of information to consumer reporting agencies, I.C. System has obligations under the Fair Credit Reporting Act ( FCRA ) to furnish information with accuracy and integrity. Information that can not be substantiated through a reasonable investigation should not remain on a consumers credit report. Likewise, as a debt collector, I.C. System is expected to comply with the applicable requirements of the Fair Debt Collection Practices Act ( FDCPA ) concerning the collection of consumer debts and communications with consumers. If I.C. System contends that it complied with those obligations, I request that it produce the documentation supporting that position. If I.C. System can not produce competent documentation establishing : that I am legally responsible for the alleged debt, that the balance reported is accurate, that the account was properly reported, that it possessed authority to collect the account, and that its reporting complies with applicable federal law, then I request that this collection account be permanently deleted from XXXX XXXX XXXX XXXX Merely stating that the account has been verified is insufficient. I request documentary evidence supporting the verification. I also request that the CFPB require I.C. System to conduct a reasonable investigation and provide copies of every document upon which it relies. Should I.C. System be unable to substantiate the account with competent documentary evidence, continued reporting would be inaccurate and misleading and should cease immediately. Accordingly, I respectfully request the following relief : Conduct a complete investigation into this disputed account. Require I.C. System to produce all documentation supporting the debt. Require I.C. System to explain the basis for furnishing the account to the nationwide consumer reporting agencies. Delete the account from XXXX XXXX XXXX XXXX if it can not be fully substantiated. Correct any inaccurate, incomplete, or misleading information. Confirm the results of the investigation in writing. I appreciate the CFPBs assistance in ensuring compliance with federal consumer protection laws and maintaining the accuracy of consumer credit reporting

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