Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau Complaint Company : IC System , Inc. 
Original Creditor : XXXX XXXX XXXX XXXX I am submitting this complaint regarding IC System, Inc. 's continued furnishing of an inaccurate collection account to consumer reporting agencies. 

I dispute the alleged balance of {$150.00} because it is inaccurate and not owed. I have previously disputed this account ; however, the account continues to be furnished to consumer reporting agencies without correction. 

I dispute both the accuracy of the reported balance and my legal responsibility for the alleged debt. 

Pursuant to the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681s-2 ( b ), a furnisher of information has a duty to conduct a reasonable investigation after receiving notice of a dispute from a consumer reporting agency, review all relevant information, and correct, modify, or delete information that is inaccurate or can not be verified. 

Additionally, 15 U.S.C. 1681i ( a ) requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information and delete information that can not be verified. 

Further, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to assure the maximum possible accuracy of the information contained in consumer reports. 

As a debt collector, IC System is prohibited under 15 U.S.C. 1692e, including 15 U.S.C. 1692e ( 2 ) ( A ), from making any false, deceptive, or misleading representation regarding the character, amount, or legal status of an alleged debt. Additionally, 15 U.S.C. 1692f prohibits the use of unfair or unconscionable means to collect an alleged obligation.

Pursuant to Regulation F, 12 C.F.R. 1006.18 and 1006.22, debt collectors are prohibited from using false, deceptive, misleading, unfair, or unconscionable practices in connection with the collection of a consumer debt. 

To date, IC System has failed to provide competent documentary evidence establishing : That I am legally obligated to pay the alleged {$150.00} balance ; The contractual basis supporting the amount being reported ; A complete itemization demonstrating how the alleged balance was calculated ; Documentation establishing that the information being furnished is complete, accurate, and legally enforceable. 

I further request that IC System provide written documentary proof establishing that it has the legal authority to collect this alleged debt, including documentation demonstrating whether it is collecting on behalf of the original creditor or otherwise possesses the legal right to enforce collection of this account. 

If IC System maintains that I owe this alleged debt, I request that it produce competent documentary evidence establishing both the validity of the alleged obligation and my legal responsibility for the amount being reported. 

Continued furnishing of information that can not be substantiated through a reasonable investigation may constitute inaccurate credit reporting under the Fair Credit Reporting Act and continues to cause consumer harm. 

Requested Resolution I respectfully request that the Consumer Financial Protection Bureau require IC System , Inc. to : Conduct a reasonable investigation consistent with the requirements of the Fair Credit Reporting Act. 
Immediately cease furnishing this account to XXXX XXXX XXXX, and any other consumer reporting agency. 
Request deletion of every tradeline furnished by IC System concerning this alleged account because the information is disputed and, if it can not be substantiated through a reasonable investigation, should not continue to be reported. 
Provide written documentary proof establishing that IC System has the legal authority to collect this alleged debt. 
Provide written documentary proof establishing that I am legally responsible for the alleged debt. 
Provide a complete itemization explaining how the alleged {$150.00} balance was calculated. 
Provide documentation establishing the accuracy and legal basis of the information currently being furnished to consumer reporting agencies. 
If IC System can not substantiate this alleged debt through competent documentary evidence, immediately cease all collection activity, cease furnishing this account, and request deletion of every tradeline furnished to any consumer reporting agency. 

I reserve all rights afforded to me under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, Regulation F, and all other applicable federal and state consumer protection laws.

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