Consumer complaint received 2025-07-03 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : I.C. System, Inc. 
XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Subject : Immediate Deletion Demand for Account # XXXX {$200.00} To Whom It May Concern, This letter serves as a formal dispute of the derogatory collection account your company is reporting under account number # XXXX, with a balance of {$200.00}. I am demanding the immediate deletion of this account from all consumer reporting agencies due to your failure to legally validate the debt and potential violations of federal and state laws. 

LEGAL DEMAND FOR FULL VALIDATION AND OWNERSHIP DOCUMENTATION In compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following legal documentation : A copy of the original contract or agreement that legally obligates me to this debt A detailed and itemized payment history that explains the current balance A bill of sale or assignment agreement showing you legally purchased or obtained the debt A chain of title with dates and signatures from each transfer of ownership The date of first delinquency to determine if the account is within the Illinois statute of limitations According to 735 ILCS 5/13-205, the statute of limitations on consumer debt in Illinois is 5 years. If this debt is outside that time frame, you are legally barred from collecting or reporting it. 
You are required by law to validate this debt before continuing to report or attempt collection. Any failure to comply with these federal requirements will result in consequences. 

FEDERAL VIOLATIONS IF NOT ADDRESSED If you can not provide complete documentation and legal ownership of this debt, your continued reporting constitutes a violation of : FCRA 609 ( a ) ( 1 ) Right to full disclosure of consumer file contents FCRA 611 Obligation to investigate and delete unverifiable items FCRA 623 Duty to report accurate and complete information FDCPA 809 ( b ) Must cease collection until debt is properly validated 15 U.S.C. 1681s-2 ( b ) Responsibility to correct and delete inaccurate data You are also potentially in violation of defamation laws for reporting unverifiable or false information that negatively impacts my creditworthiness.

FINAL NOTICE 15 DAYS TO DELETE OR VALIDATE You have 15 calendar days from the date of this letter to : Provide full legal validation with the required documentation Delete this account from all credit bureaus if you can not validate Cease all collection activity if the debt is time-barred Failure to comply will result in formal complaints being filed with the CFPB, FTC, and Illinois Attorney Generals Office, along with potential legal action for damages. 

This is your legal notice to comply. No more warnings. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/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