Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am submitting this new complaint because IC System continues to report an account that does not belong to me, despite the fact that I have repeatedly disputed this matter, provided an FTC Identity Theft Report, and made it clear numerous times that I do not own, recognize, or have any connection whatsoever to the alleged debt. Every case I previously filed involving IC System was incorrectly marked as a duplicate, even though I had no active or open cases, which prevented my concerns from being reviewed properly. As a result, this new case is not only necessary, but it is also being filed as a formal rebuttal to the mishandling of my earlier complaints. I am respectfully requesting a full and proper investigation that complies with federal law. 

To begin, I want to emphasize that the account IC System is reporting is fraudulent, unauthorized, and not mine in any capacity. I have never opened an account with the original creditor IC System claims to represent, I have never authorized anyone to use my identity to do so, and I have never received any goods, services, statements, or correspondence related to this supposed account. IC System continues to furnish information that is inaccurate, unverifiable, and harmful to my credit file. Their reporting violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and federal identity theft procedures. 

Because this account is fraudulent, I filed an FTC Identity Theft Report, which legally obligates IC System to block, delete, and cease reporting the account unless they have actual documentation proving the account belongs to me. They have failed to do so. Despite multiple disputes and multiple CFPB submissions, IC System has not provided a copy of a signed contract, application, statements, usage records, identity verification, or any original documentation linking me to this alleged account. Without such documentation, they can not lawfully continue furnishing information to the credit bureaus. 

However, instead of addressing the matter, each of my previous complaints was wrongly categorized as a duplicate. This prevented IC Systems repeated violations from being properly reviewed or corrected. At the time my previous complaints were closed, I had XXXX open IC System cases, yet new filings were automatically labeled as duplicates anyway. This means my concerns were not handled fully or appropriately, and no fair investigation ever took place. The duplicate case labeling effectively blocked me from accessing a lawful dispute process. Therefore, I am refiling this matter to ensure the facts are reviewed and that IC System is required to respond in full compliance with consumer protection laws. 

To explain what happened clearly : I first discovered this account on my credit report when reviewing my credit file for inaccuracies. I was immediately alarmed because I did not recognize the creditor, the balance, the account number, the dates, or anything associated with the alleged debt. I had never authorized such an account or communicated with any company that IC System claims to represent. This was a clear and undeniable sign of identity theft. Because this account was fraudulent, I submitted disputes directly to the bureaus, informed IC System in writing, and obtained and filed a formal FTC Identity Theft Report. The FTC report specifically affirms that this account does not belong to me and that I am a victim of identity theft. 

Despite providing IC System with this legally binding documentation, the company failed to follow mandatory identity theft procedures under FCRA 605B and 15 U.S.C. 1681c-2, which require furnishers to block fraudulent information within XXXX business days unless they have certified documentation proving its legitimacy. IC System did not block the account, did not delete it, and did not provide any documentation to validate it. Instead, the company continued furnishing the same inaccurate information, harming my credit and violating multiple consumer protection laws. 

Furthermore, under the FDCPA, IC System is prohibited from attempting to collect any debt that is not valid, can not be verified, or is known or should be known to be the result of identity theft. IC System has not shown any evidence that they validated the alleged debt. They have not provided proof of contract, proof of use, or proof of ownership. Even after receiving the FTC Identity Theft Report, they continued furnishing derogatory information to XXXX XXXX, and XXXX ignoring the fact that the report legally compels them to cease reporting if they can not verify the account through proper documentation. 

Instead of responding appropriately to my disputes, IC System simply allowed my CFPB cases to be closed, often without addressing the fact that the information remains on my credit report and continues to damage my credit profile. When I attempted to reopen or refile, the system incorrectly marked the cases as duplicates, even though there were no active IC System cases open. Because of this flawed duplicate-case labeling, I was forced to file a new complaint in order to finally have this matter reviewed and addressed correctly. 

IC Systems failure to investigate, failure to validate, failure to block the account, and failure to comply with my FTC Identity Theft Report have collectively caused significant harm, including : Lowered credit scores Denial of credit opportunities Emotional distress Ongoing frustration due to unresolved fraudulent reporting Inability to correct identity theft issues because IC System will not comply with federal law IC System must follow the FCRA, which requires all furnishers to maintain maximum possible accuracy when reporting information. Reporting an account that does not belong to meafter receiving formal notice of identity theftviolates FCRA 602, 607 ( b ), 611, and 623. Continuing to furnish unverifiable information is also a violation of the XXXX XXXX under XXXX XXXX IC System can not simply rely on internal notes or unverified data ; they must provide actual documentation or delete the account immediately. 

Additionally, under the FDCPA, IC System is prohibited from falsely representing the character, amount, or legal status of a debt. Reporting a fraudulent debt tied to identity theft directly violates FDCPA 807. Continuing to collect or report a debt after receiving an FTC Identity Theft Report violates 809 ( b ). IC Systems actions demonstrate noncompliance with federal law, and this must be addressed through proper regulatory investigation. 

This new case is being filed because the previous case closures prevented any substantive review from occurring. Since all earlier cases were labeled as duplicateseven though they were not duplicates and even though no active case existedI was effectively denied the ability to dispute fraudulent information about me. IC System benefited from this administrative error by never responding thoroughly to the facts, never providing documentation, and never addressing the identity theft issue as required by law. 

Now, I am submitting this full and complete account to ensure that IC System can not avoid their legal responsibilities. I have provided an FTC Identity Theft Report, which triggers mandatory action under federal law. IC System can not continue furnishing this fraudulent information without producing legally sufficient proof that the account belongs to meproof they have never provided. A proper investigation requires IC System to obtain and provide : a signed credit application proof of identity verification proof of address matching account statements transaction history service usage records delivery records ( if applicable ) any documentation showing the account is legitimately mine IC System has provided none of these. Without these documents, they must delete and block the account under FCRA 605B.

To reiterate : I do not own this account. This account was created without my authorization, and no evidence whatsoever connects me to it. I filed an FTC Identity Theft Report. IC System has ignored its legal obligations. My previous disputes were incorrectly marked as duplicates. IC System continues furnishing fraudulent, harmful information. That is why this new case is being filed. 

I respectfully request that the CFPB require IC System to conduct a lawful, thorough investigation ; block the identity-theft-related information ; cease all collection and reporting activity ; and permanently delete this fraudulent account from all consumer reporting agencies. IC System must also update their records to prevent any future reinsertion and ensure that no other debt buyer or collector attempts to pursue this account. 

This case is not a duplicate. It is a necessary continuation of a matter that was never reviewed properly. I am asking that IC System finally comply with the law and remove this account permanently.

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