Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
What happened? 

On XX/XX/year>, IC Systems took ownership of a debt related to a XXXX  account in the amount of {$340.00}. On that same day, I submitted a formal debt validation request to IC Systems, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). However, despite my request, IC Systems has continued to contact me daily through various masked phone numbers based all over the country. 

Violations and Deceptive Practices : Failure to Validate Debt : IC Systems has failed to provide the requested validation for the debt, yet continues to pursue collection activities, in violation of the FDCPA. This debt is now disputed, and any further contact or negative reporting should cease until proper validation is provided. 

Harassing Communication : Since XX/XX/year>, IC Systems has contacted me daily, failing to identify themselves when calling, not leaving voicemail messages, and using dead air calls. Upon returning the calls, they identify themselves as IC Systems. This behavior is in violation of FDCPA 805 and the Telephone Consumer Protection Act ( TCPA ), which prohibit harassing communication practices by debt collectors. 

Actions Taken : XX/XX/year> : IC Systems took ownership of the XXXX account debt. 
XX/XX/year> : I submitted a formal debt validation request to IC Systems. 
XX/XX/year> - Present : IC Systems has continued to call me daily, failing to comply with the FDCPA and TCPA requirements regarding communication. 
Amounts Involved : Debt in question : {$340.00} Why it matters : IC Systems ' failure to validate the debt while continuing to harass me with daily phone calls violates both the FDCPA and TCPA. Additionally, the companys actions raise concerns regarding their compliance with federal laws regulating debt collection practices. 

Requested Resolution : Immediate cessation of all communication from IC Systems related to this debt, in accordance with FDCPA guidelines. 
Full validation of the debt, as required by FDCPA 809 ( b ), including proof of the original creditor, a breakdown of the amount owed, and evidence that IC Systems has the legal authority to collect on this debt. 
Forgiveness of the debt due to IC Systems violations of the FDCPA and TCPA.

Immediate removal of all negative information related to this debt from all major credit reporting agencies ( XXXX, XXXX, and XXXX ), in compliance with FCRA 611 ( a ), as this debt is disputed and IC Systems has failed to validate it. 
Next Steps : If IC Systems fails to comply with my requests, I will escalate this matter to additional regulatory bodies, including the Federal Trade Commission ( FTC ) and pursue further legal action under the FDCPA and TCPA. 

I expect a written confirmation within 30 days detailing the validation of the debt, removal of negative reporting, and cessation of further communication.

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 non-monetary relief