Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: I.C. System, Inc.
State: TN

Complaint narrative:
Incorrect credit reporting. Address was different than what was originally on that contract. They have failed to provide the Chain of custody, as well as the original signed contract after numerous attempts to resolve this situation. 

Subject : Formal complaint against XXXX, XXXX XXXX XXXX  for Systemic FCRA violations, Sham investigations and Non-Compliance with the Federal and Industrial Standards Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint against the XXXX major credit bureaus- XXXX XXXX XXXX XXXX for ongoing XXXX systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. Despite submitting multiple disputes concerning inaccurate, unverifiable and/or OUDATED negative items on my credit reports, the credit bureaus have consistently responded with vague " verified as accurate '' outcomes- without producing a single, shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes for furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled " inadequate '' in court. The following violations from the basis of this complaint : 15 U.S.C. 1681e ( b ) - Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C 1681i ( a ) - Failure to conduct a reasonable reinvestigation 15 U.S.C 1681s-2 ( b ) - Furnisher failure to correct or delete disputed information ( Metro 2 and CDIA Guidelines ) - Failure to comply with reporting format and data integrity standards. 

Further, the credit bureaus use of e-OSCAR has been ruled in legal precedent : " A credit reporting agency may not rely blindly on the { furnisher 's } investigation. The agency has an obligation to conduct a reasonable investigation, itself. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Historical CFPB Enforcement Actions for Reference. 
This is not an isolated incident. The CFPB has already issued enforcement actions against these same entities : XXXX XXXX XXXX XXXX XXXX XXXX : for misleading consumers and failing to properly investigate disputes. XXXX XXXX XXXX XXXX XXXX XXXX : for failure to correct inaccurate data and deceptive practices. These cases who a pattern of non-compliance that persists despite regulatory intervention. 

Nature of Disputed Items : I am disputing the following categories of data which have been " verified '' without sufficient documentation. Late payments, Charge offs, Collection Hard-Inquiries ( unvalidated promissory notes or balances ), Duplicated or fragmented tradelines, incorrect personal identifiers ( change of address, name variations, etc ). In this case, the bureaus have failed to provide proof from the original creditor, servicer, or data furnisher ( change of address ). The data remains on my credit reports and unverified ; therefore, this is a direct violation of the FCRA 1681 ( i ). 

I would like this item IMMEDIATELY deleted from my credit report as I have paid numerous fees to get this removed to ensure my security license is not directly affected. Cease reporting of unlawful " verification '' documents.

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