Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I have previously contacted your company about this account and have not received proper validation. I REFUSE TO PAY THIS DEBT. I do not recognize this debt as valid, and I will not make payment unless and until you provide the documentation required by federal law. Continuing to collect or report this account without proper validation may violate consumer protection statutes. This letter is my formal demand that IC System immediately cease all collection efforts related to this account. Collection efforts include phone calls, letters, emails, and reporting, verifying, or updating this account with any consumer reporting agency. I am requesting full validation of this alleged debt. Specifically, I require ALL Original Account Level Documentation ( OALD ). I am not asking for summaries, screenshots, internal notes, or paperwork labeled available documentation. I am requesting actual original records created and maintained by the original creditor. Please identify the person who claims to have personal and direct knowledge of the facts regarding this account, including the authenticity of the debt and possession of the OALD. That person must be able to establish a prima facie case under XXXX XXXX XXXX v XXXX. XXXX. XXXX, XXXX NY XXXX XXXX, XXXX [ XXXX ]. Personal knowledge can not be based only on reviewing your companys internal records. That individual must also be familiar with the original creditors record-keeping practices as required under XXXX XXXX XXXX XXXX. No. XXXX v Vill. of XXXX, XXXX XXXX XXXX, XXXX [ XXXX XXXX XXXX ]. Provide a complete chain of ownership for this account, including : The name of every prior debt owner Copies of each assignment of the alleged debt ALL prior assignments held by previous owners Additionally, provide a certified or properly authenticated copy of every bill of sale or transfer document showing how ownership moved from the original creditor at charge-off to each new owner, including IC System XXXX Provide a signed agreement showing the opening of this account. Also provide OALD reflecting purchases, payments, or any actual use of the account by me. Provide OALD showing the original principal balance of the alleged debt, excluding any post charge-off or post-judgment additions. If the current balance is higher than the post charge-off or post-judgment amount, provide a detailed explanation of how that amount was calculated and identify the specific contractual provision and law that allows such increases. I am requesting a complete transactional history from the original creditor, including full monthly account statements. All original account-level documentation must be mailed directly to my address listed in the header of this dispute. These records must come from the original creditor and not be recreated solely on debt collector letterhead. Please provide documentation reflecting the original contractual terms and conditions that applied when the account was opened, along with any updates or changes made afterward. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect on a time-barred debt that falls outside the applicable statute of limitations. You may not misrepresent the legal enforceability of a debt under 15 U.S.C. 1692e ( 5 ). Provide a copy of your written dispute policies and procedures, along with a description of the system you use to maintain compliance. This is a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receiving this request pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you claim this dispute is frivolous or irrelevant, you must notify me in writing within five days of receipt. My full legal name, mailing address, and the account number as reported are listed in the header of this request. Provide written confirmation of the current legal status of this account in your records. You are prohibited from making any false, deceptive, or misleading representation regarding this alleged debt under 15 U.S.C. 1692e ( 10 ). If necessary, I am prepared to enforce my rights under federal consumer protection laws and pursue remedies in a court with proper jurisdiction under 12 U.S.C. 5565 ( a ) ( 1 ) for violations of the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may apply, in addition to any actual damages incurred. You have 30 days to provide the documentation requested and to remove any unlawful credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in legal action being filed in a proper venue within my county. This statement is true and lawful.

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