Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Re : Formal Dispute, Verification Request, and XXXX for XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and legality of the IC System , Inc. account reporting on my credit files for XXXX XXXX XXXX XXXX, opened XX/XX/XXXX. This account is being reported to XXXX  and XXXX  with numerous discrepancies and is not reported to XXXX, indicating a failure to maintain accurate and consistent reporting across credit reporting agencies. The inconsistencies and violations are as follows : XXXX. Reporting Discrepancies : XXXX  reports this account as a collection each month from XX/XX/XXXX through XX/XX/XXXX. 
XXXX  reports the account as an open account with comments stating XXXX for XXXX, yet it contains no payment history, and reports a physical address that differs from XXXX. 
XXXX  does not report this account at all. 
These discrepancies constitute violations of FCRA 1681i ( a ) ( duty to ensure accurate and verifiable reporting ). 
Also different contact Info is being reported to XXXX  and XXXX  which is violating FCRA 1681s-2 ( b ) Duties of furnishers A Furnisher must provide accurate information to a consumer reporting agency and correct any inaccuracies once notified by the Consumer. Reporting a XXXX XXXX XXXX XXXX credit agency and a physical address to another is inaccurate reporting because the information does not match and can not be verified consistently. 
FCRA 1681i ( a ) XXXX. FDCPA Violations : Reporting conflicting account type, comments, and addresses is a false representation of a debt in violation of FDCPA 807 ( XXXX ). 
Failure to validate the debt and report it consistently violates FDCPA 809 ( b ). 
These actions are deceptive, unfair, and harassing. 

809 ( b Validation of debts inconsistent addresses make verification incomplete or unreliable IC Systems are potentially misleading and deceptive violating FDCPA 807 ( b ) and 809 ( b ) XXXX. Request for Verification and Documentation : Under FCRA 611 ( a ) ( 1 ) and 1681s-2 ( b ), I demand the following documentation as the only acceptable forms of verification ( billing statements are not acceptable ) : Method of verification that legally confirms this debt. 
Copy of the signed contract proving I am the legal owner of this account. 
Proof of assignment or transfer from the original creditor ( XXXX XXXX XXXX XXXX ) to IC System, Inc.

IC System, Inc. collection license number and authorization to collect this debt.

If IC System, Inc. can not provide the requested documentation, I am demanding an immediate cease and desist regarding all attempts to collect this debt and immediate deletion of this account from all credit reporting agencies. 



XXXX. Legal Considerations : Due to the multiple FCRA and FDCPA violations, I am willing and prepared to pursue legal remedies, including recovery of attorney fees, damages, and formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and applicable state regulatory agencies. 
Continued failure to comply with this dispute, verification request, and deletion demand will leave IC System , Inc. fully liable for all remedies permitted under law.

Please provide a written response confirming the requested documentation, verification, or the deletion of this account from all credit reporting agencies. 



Sincerely, XXXX XXXX

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