Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: WI

Complaint narrative:
Re : Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number : XXXXXXXX XXXX XXXX Last Reported : XX/XX/XXXX Reported Balance : {$1100.00} * * Dear Sir or Madam, I am writing to formally request the chain of assignment and all account-level documentation related to the above-referenced account, which I C SYSTEM is currently reporting on my credit file with a balance of {$1100.00}, last reported as of XX/XX/XXXX. 

This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ), which entitle me to all information in my consumer file, including the sources of that information. The FCRA also requires that all data reported to credit reporting agencies be accurate, complete, and verifiable.

Additionally, 15 U.S.C. 1681s-2 ( b ) places a duty on furnishers such as I C SYSTEM to thoroughly investigate disputes and correct or delete any information that can not be verified.

To date, I have not received adequate documentation verifying that I C SYSTEM has the legal right to report or collect on this alleged debt. I am therefore requesting the following : A complete chain of assignment from the original creditor to I C SYSTEM, including all purchase agreements, bills of sale, or transfer records ; A copy of the original agreement or contract that bears my signature and creates the alleged debt obligation ; A full payment history, including itemized charges, credits, interest, and fees from the date of account opening ; Copies of any notices of assignment or transfer sent to me in compliance with applicable laws.

Unlawful Reporting Without Originating Creditor Relationship Under federal consumer protection law, it is unlawful for a debt collector or third-party agency to report a debt that does not originate from the original creditor or in which the consumer has no contractual relationship with the reporting agency. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FDCPA ) prohibit the reporting and collection of debts without proper documentation or a valid legal basis.

Courts have upheld that the reporting or collection of debts without proof of assignment or contract violates federal law. See FTC v. Check Investors, Inc., 502 F.3d 159 ( 3d Cir. 2007 ), affirming that debt collectors who falsely claim authority or ownership of a debt are engaging in deceptive practices under the FDCPA, 15 U.S.C. 1692e.

Furthermore, the continued reporting of unverifiable accounts constitutes furnishing inaccurate information to consumer reporting agencies in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

If I C SYSTEM does not have a legally enforceable contract with me and can not provide documentation of the originating creditor 's assignment, it is illegal for you to continue reporting this item on my credit report.

Demand for Documentation You are hereby given 30 days from receipt of this notice to provide : The full and verifiable chain of assignment ; The original contract creating the alleged debt ; A complete accounting of charges and payments ; Copies of all notices of assignment or transfer ; Any evidence supporting your right to report this debt.

Preservation of Evidence I C SYSTEM is on formal notice to preserve all relevant documentation, communication records, internal notes, and correspondence related to this account. Destruction or alteration of evidence may result in legal sanctions for spoliation.

Failure to comply may result in formal legal action to enforce my rights under the FCRA, FDCPA, and other applicable laws. You may be held liable for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees under 15 U.S.C. 1681n, 1681o, and 1692k.

Please send all documentation to the address listed above. 

Govern yourselves accordingly.

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