Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
I am filing this formal complaint against XXXX. XXXX, XXXX for reporting an account on my consumer credit reports that I do not recognize, did not authorize, and have never been properly verified. 

XXXX. XXXX, XXXX is reporting under my name despite the fact that I do not know who they are, have never entered into any agreement with them, and have never been provided lawful verification of any alleged obligation. XXXX. XXXX has failed to establish that I am the responsible party, failed to validate the alleged account, and failed to demonstrate a permissible purpose for reporting. 

At no time have I : Opened an account with XXXX. XXXX, XXXX. 

Signed any contract, application, or agreement XXXX XXXX. XXXX, XXXX to obtain, use, or furnish my consumer information Their continued reporting is unauthorized, inaccurate, and unlawful. 

Violations of XXXX XXXXXXXX XXXX XXXX XXXX actions constitute violations of multiple federal statutes, including but not limited to : Fair Credit Reporting Act ( FCRA ), XXXX U.S.C XXXX XXXX et seq., including but not limited to : XXXX No permissible purpose to report XXXX ( b ) Failure to ensure maximum possible accuracy XXXX ( a ) Furnishing information that is inaccurate or unverified XXXX ( b ) Failure to conduct a reasonable investigation after dispute XXXX ( a ) Reporting information without lawful substantiation Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX et seq. : XXXX False, deceptive, or misleading representations XXXX Unfair or unconscionable collection practices XXXX Failure to provide proper validation of an alleged debt XXXX XXXX ( XXXX ), XXXX XXXX. XXXX Unauthorized use, handling, and disclosure of my nonpublic personal information Identity Theft and XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX information potentially resulting from identity misuse without lawful verification Failure to Provide Lawful XXXX XXXX. System, XXXX has not produced competent evidence that I owe any debt, including but not limited to : A signed contract or agreement bearing my signature Proof of identity verification at the time of alleged account creation Proof of lawful assignment or ownership of the alleged debt Proof of permissible purpose under XXXX XXXX. XXXX Documentation showing a reasonable investigation as required by XXXX ( b ) Database confirmations, internal notes, or automated responses do not constitute lawful verification under federal law. 

Formal Demand I hereby demand the following : XXXX and permanent deletion of all XXXX. XXXX, XXXX tradelines from XXXX XXXX XXXX XXXX  XXXX confirmation that XXXX. XXXX XXXX XXXX has ceased all reporting Full disclosure of how my personal information was obtained Copies of any documents XXXX. System, XXXX claims establish legal liability NOTICE OF INTENT TO ESCALATE If this inaccurate and unauthorized reporting is not completely removed within XXXX ( XXXX ) days, I will proceed without further notice by : Pursuing civil remedies under XXXX U.S.C. XXXX and XXXX Filing additional complaints with my XXXX Attorney General and other regulatory agencies Seeking statutory, actual, and punitive damages for credit harm and willful noncompliance This complaint is fully documented. Continued reporting after receipt of this notice will be considered willful and knowing violations of federal law. 

SincerelyXXXX XXXX XXXXXXXX

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