Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> IC SYSTEM INC [ Insert their address from your credit report ] RE : CEASE AND DESIST ACCOUNT # XXXX TO IC SYSTEM INC : This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). Pursuant to 15 U.S.C. 1692c ( c ), you are hereby ordered to CEASE AND DESIST all communications with me regarding the above-referenced account. This includes, but is not limited to : Phone calls ( live or automated ) Letters and emails Text messages Any other form of contact Any further communication from you, other than to confirm receipt of this letter or to notify me of a specific legal action you intend to take, will be considered harassment and a violation of federal law. -- - VIOLATION OF 15 U.S.C. 6802 ( GRAMM-LEACH-BLILEY ACT ) : Under 15 U.S.C. 6802, financial institutions and collection agencies are prohibited from disclosing nonpublic personal information to any third party without my express written consent. I have never given you or any third party permission to access, obtain, or share my personal information including my name, address, phone number, or credit history. Your possession of my information, and your reporting of this account to the credit bureaus, constitutes an unauthorized disclosure of my private financial data to third parties. This is a direct violation of federal privacy law. -- - VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) : 1. NO PERMISSIBLE PURPOSE ( 15 U.S.C. 1681b ) Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for certain enumerated " permissible purposes ''. A debt collector may only obtain or access a consumer report if there is a legitimate purpose, such as in connection with a credit transaction involving the consumer. Because I never opened this account, never authorized it, and have no business relationship with you, you have no permissible purpose under the FCRA to access, obtain, or continue reporting my credit information. Your ongoing access to and reporting of my personal information is a violation of 15 U.S.C. 1681b ( f ). 2. FAILURE TO CONDUCT REASONABLE INVESTIGATION ( 15 U.S.C. 1681i ) Under 15 U.S.C. 1681i, when a consumer disputes the accuracy of information, the furnisher must conduct a reasonable investigation. I am disputing this account as fraudulent and unauthorized. You must investigate and, if you can not verify this debt as mine, delete it immediately. 3. BLOCKING REQUIREMENT ( 15 U.S.C. 1681c-2 FCRA 605B ) Although I am not yet providing an identity theft report, I am notifying you that this account is the result of identity theft. Under 15 U.S.C. 1681c-2, upon receipt of proper identity theft documentation, you are required to block the reporting of such information. -- - VIOLATIONS OF THE UNIFORM COMMERCIAL CODE ( UCC ) : 1. NO SIGNATURE UCC 3-401 Under UCC 3-401 : " A person is not liable on an instrument unless the person signed the instrument ''. I never signed any agreement, contract, or instrument with your company or the original creditor. Without my signature, there can be no valid liability. An unauthorized signature is not binding and is " ineffective '' under the UCC. 2. NO CONTRACT UCC 1-103 Under UCC 1-103 , principles of common law including contract formation supplement the Uniform Commercial Code. A valid contract requires mutual assent and consideration. I never agreed to any terms, never requested any goods or services, and never received any benefit from this alleged account. No contract exists. 3. NO GOODS ACCEPTED UCC 2-105 & 2-106 Under UCC 2-105, " goods '' are defined as tangible, movable personal property. Under UCC 2-106, a " sale '' requires the passing of title from seller to buyer for a price. I never accepted, received, or took title to any goods from the original creditor or your company. Without acceptance or receipt of goods, there can be no enforceable sale or contract under Article 2 of the UCC. -- - DEMANDS : 1. CEASE ALL COMMUNICATION with me effective immediately. XXXX. DELETE this account ( # XXXX ) from my credit reports with Equifax, Experian, and TransUnion. XXXX. DO NOT sell, transfer, or assign this account to any other collector or third party. 4. DO NOT share my nonpublic personal information with any third party, as required by 15 U.S.C. 6802. XXXX. Confirm in writing that you have ceased collection efforts and deleted this account. XXXX- - DEADLINE : You have 10 days from receipt of this letter ( as confirmed by Certified Mail return receipt ) to provide written confirmation of compliance. Failure to comply will result in immediate legal action for violations of the :

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