Consumer complaint received 2026-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against this collection agency to dispute an unverified account on my credit profile and demand its immediate, permanent deletion. The account displays a " Date Opened '' of XX/XX/year> for a balance of {$630.00}, originating from New York. I do not know this company, I have not received any communication from them, and their reporting violates federal law. The legal violations are detailed below based strictly on what is reported on my credit profile versus federal statutory requirements.1. Violation of 15 U.S.C. 1692g ( FDCPA Section 809 ) Failure to Provide Written NoticeThe Credit Report Fact : This agency placed a collection tradeline on my credit report with a " Date Opened '' of XX/XX/year>. I have been a permanent resident of Texas for years and have received zero mail, phone calls, or emails from this company.The Law : Under 15 U.S.C. 1692g ( a ), " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, the debt will be assumed to be valid by the debt collector. " The Violation : This agency bypassed the law by reporting to the bureaus without sending the mandatory written notice to my current Texas address, denying me my statutory 30-day right to dispute. If notice is claimed, the agency must upload the exact address used, delivery date, and tracking details to this portal.2. Violation of 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( FCRA Section 623 ) Omission of Delinquency Date and Furnishing of Unverified Data The Credit Report Fact : My credit report shows a " Date Opened '' of XX/XX/year>, but the field for the original date of delinquency is completely blank. The credit bureaus do not have a Date of First Delinquency on file for this account, making it impossible to see a legal removal date.The Law : Under 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ), " A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account. " The Violation : By withholding this mandatory field and only reporting the XX/XX/year> acquisition date, the agency is publishing incomplete and inaccurate information. This causes the credit bureau 's automated system to treat a stale debt as a brand-new 2025 delinquency, which constitutes an illegal re-aging of debt. Furthermore, hiding the age of the debt from the credit bureaus and myself makes it impossible to trace the accuracy or statutory lifespan of this account.3. Violation of Tex. Fin. Code 392.101 & 392.304 Statutory Violations Against a Texas ResidentThe Credit Report Fact : I.C. System, Inc. is actively furnishing credit data and engaging in collection actions targeting a permanent resident of Texas.The Law : Under Texas Finance Code Chapter 392, a third-party debt collector must maintain a valid surety bond on file with the Texas Secretary of State to conduct collection business in Texas and is strictly prohibited from misrepresenting the character, extent, or amount of a consumer debt.The Violation : While I.C. System, Inc. holds a bond via XXXX XXXX and XXXX XXXX XXXX XXXX, their deceptive practice of credit reporting with omitted data and unverified metrics directly violates the operational regulations of the Texas Finance Code. I reserve the absolute right to escalate this violation by filing a formal insurance claim directly against I.C. Systems active {$10000.00} surety bond for financial damages caused by this deceptive credit reporting.The Data Standards : All material data, original contracts, and physical meter logs should have been fully obtained and verified by this agency before they chose to report a negative balance to my creditors. Under the FCRA, a collection agency is strictly barred from reporting incomplete, unverified, and speculative data to an automated computer file and then attempting to track down the supporting documentation only after a formal dispute is launched. Because this agency chose to publish this damaging information without having the underlying physical proof in their possession, the reporting is inherently inaccurate, non-compliant, and fraudulent. They can not maintain a credit tradeline on speculation ; they must delete it from my profile immediately.Demand for Material Validation and Standing : Because I do not know this company and have resided in Texas for years, I demand the following legal documentation to prove ownership and reporting accuracy : The original contract bearing my physical signature proving I entered into a binding agreement for this alleged service.The exact physical address where these charges were generated, the exact service dates ( first and last day of service ), the date of the last billing log, and the exact date the account entered default status.I am requesting that this account be removed from my credit report immediately because I am directly questioning its legitimacy. This agency completely bypassed the required legal steps and immediately placed this damaging mark on my profile without following the proper process. Delete it immediately.

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