Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Despite my prior written dispute ( s ) and attempts to resolve this matter directly, I have not received proper validation of this alleged account. I REFUSE TO PAY THIS DEBT. Your continued collection activity and reporting of this account without furnishing complete original account-level documentation constitutes conduct that may violate federal consumer protection statutes. This letter serves as formal notice that you must immediately cease all collection efforts unless lawful validation is produced. Collection activity includes, but is not limited to, telephone calls, written correspondence, electronic communications, and furnishing, verifying, or updating information with any consumer reporting agency. I am demanding strict validation of this alleged obligation. Specifically, I require ALL Original Account Level Documentation ( OALD ). I am not requesting internal collection notes, summary sheets, account screenshots, or documentation described merely as available. I require authentic, original records generated and maintained by the original creditor. Identify the specific individual who claims to possess requisite and personal knowledge of the facts concerning this alleged debt, including the genuineness and authenticity of the account and possession of XXXX. That individual must be capable of establishing a prima facie case pursuant to XXXX XXXX XXXX v XXXX. Fin. XXXX, XXXX NY XXXX XXXX, XXXX [ XXXX ]. Requisite knowledge can not be based solely upon IC Systems internal records. Confirm that this individual has personally reviewed the original account-level documentation and is familiar with the original creditors record-keeping practices in accordance with XXXX XXXX XXXX XXXX XXXX No. XXXX v Vill. of XXXX, XXXX XXXX XXXX, XXXX [ XXXX XXXX XXXX ]. Provide a complete chain of title demonstrating lawful ownership of this alleged debt. This must include : Identification of every prior debt owner Copies of each assignment of the alleged debt ALL previous assignments executed by prior holders Additionally, provide a certified or properly authenticated copy of each bill of sale or transfer document evidencing the transfer of ownership from the original creditor at charge-off through each successive purchaser, including IC Systems XXXX Provide a signed agreement evidencing the opening of the account. Further, provide XXXX reflecting purchases, payments, or any other actual use of the account by me. Provide OALD reflecting the original principal balance of the alleged debt, excluding post charge-off or post-judgment additions. If the amount currently claimed exceeds the post charge-off or post-judgment balance, provide a detailed itemization explaining how the amount was calculated and identify the contractual provision and legal authority authorizing such increases. I require a complete transactional history of the account from inception with the original creditor, including all monthly account statements. All original account-level documentation must be mailed directly to my address as reflected in the header of this dispute. These records must originate from the original creditor and not be reproduced solely on debt collector letterhead. Provide documentation reflecting the original contractual terms and conditions governing the account at the time it was opened, along with any amendments, updates, or revised terms thereafter. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect a time-barred debt outside the applicable statute of limitations. Misrepresentation of the legal status or enforceability of a debt is prohibited under 15 U.S.C. 1692e ( 5 ). Provide your written dispute policies and procedures, including a description of the compliance system used to maintain and implement those procedures. This correspondence constitutes a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you attempt to characterize this dispute as frivolous or irrelevant, be advised that my full legal name, mailing address, and the account number as reported appear in the header of this request. Any such determination must be provided in writing within five days of receipt. Provide written confirmation of the current legal status of this account within your records. You are prohibited from making any false, deceptive, or misleading representation in connection with this alleged obligation pursuant to 15 U.S.C. 1692e ( 10 ). I am prepared to enforce my rights under federal consumer protection laws and pursue remedies in a court of competent jurisdiction pursuant to 12 U.S.C. 5565 ( a ) ( 1 ) for violations under the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may be awarded in addition to actual damages incurred. You are provided 30 days to supply all requested documentation and to immediately remove any unlawful credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in litigation filed in a proper venue within my county. This statement is true and lawful.

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