Consumer complaint received 2026-03-26 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: NJ

Complaint narrative:
RE : Formal Dispute, Demand for Validation, and Cease & Desist Account/Reference # : XXXX To Whom It May Concern : I am in receipt of your recent communications, including text messages and a picture of a collection notice regarding an alleged debt purportedly owed to XXXX & XXXX XXXX This letter serves as formal notice that I dispute this debt in its entirety. I have no knowledge of, nor do I owe, the alleged obligation. The account appears to be associated with a property that I sold in 2021. I have not resided at, nor maintained utility service at that address since that time. You have contacted the wrong person. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby demand full validation of this alleged debt. You are required to cease all collection activity until such validation is provided. Specifically, I demand that you provide competent evidence bearing my signature and demonstrating that I have a legal obligation to pay this debt. At a minimum, provide the following : 1. A complete accounting of the alleged debt, including : Itemization of principal, interest, fees, and any other charges Date the debt was incurred and date of default 2. Copies of any contract, service agreement, or application bearing my signature 3. Full account statements from inception through charge-off/placement 4. Documentation proving that I was the customer of record during the time the charges were incurred 5. Proof of service address and service dates associated with the account 6. The name and address of the original creditor and any subsequent owners of the debt 7. A complete chain of title/assignment of the debt, including : All bills of sale Assignment agreements Transfer documents demonstrating your legal right to collect 8. Proof that your company is authorized and licensed to collect debts in my state, including license numbers 9. The name of the person who verified this debt and the method of verification 10. Any records of communication, including how you obtained my phone number Additionally, your use of text messaging to contact me without my prior express consent constitutes a potential violation of the Telephone Consumer Protection Act ( TCPA ). I never provided consent to be contacted via automated text messages. Further, the inclusion of a shortened and potentially deceptive link in your communication raises concerns under the FDCPAs prohibition against false, deceptive, or misleading representations ( 15 U.S.C. 1692e ). Take notice that you are hereby instructed to CEASE AND DESIST from all communication with me, including but not limited to phone calls, text messages, emails, and third-party contact, except by US Postal mail , as follows : To provide the validation requested herein ; or To confirm that this matter is closed and no further collection efforts will occur If you fail to comply with this request or continue collection efforts without proper validation, I will document all violations and consider all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing civil claims. Be advised that any attempt to report this unverified debt to any credit reporting agency will be disputed as inaccurate and may constitute additional violations of federal law. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is demanded.

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