Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
THIS COMPLAINT IN REGARDS TO : I.C. SYSTEM, INC. Account number- XXXX I.C. SYSTEM, INC. Reference No.- XXXX The FDCPA is a strict liability statute that is to be construed liberally so as to effectuate its remedial purpose. 

I.C. SYSTEM, INC. is precluded from relying on any bona fide error defense which relies upon a mistaken interpretation of the legal duties imposed by the FDCPA. 

I.C. SYSTEM, INC. is strictly liable under the FDCPA upon a finding of a single violation of the Act. 

The furnishing of a debt to a credit reporting agency by a debt collector is a communication to which the FDCPA applies. 

I.C. SYSTEM, INC. is a debt collector, as the FDCPA defines a debt collector as any person who uses any instrumentality of interstate commerce, or the mails, the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or asserted to be owed or due to another. 15 U.S.C. 1692 ( a ) ( 6 ).

Under the FDCPA, Debt includes an alleged obligation. 15 U.S.C.

1692a ( 5 ). 

I.C. SYSTEM, INC., as a purchaser or assignee of defaulted debt, is a debt collector under the FDCPA. 

I.C. SYSTEM, INC., does not legally own a debt, I.C. SYSTEM, INC. solely possesses information and data about consumer transactions. 

The actions of I.C. SYSTEM, INC. violate 15 U.S.C. 1692e of the FDCPA.

The actions of I.C. SYSTEM, INC. violate 15 U.S.C. 1692e ( 5 ), by making a threat to take an action that can not legally be taken.

The actions of I.C. SYSTEM, INC. violate 15 U.S.C. 1692e ( 2 ) ( A ) of the FDCPA by false representing the character, amount, or legal status of a non-existent debt.

The actions of I.C. SYSTEM, INC. violate 15 U.S.C. 1692e ( 10 ) of the FDCPA.

The actions of I.C. SYSTEM, INC. violate 15 U.S.C.1692f of the FDCPA.

The actions of I.C. SYSTEM, INC. violate 15 U.S.C. 1692f ( 1 ) of the FDCPA because I.C. SYSTEM, INC. has no legal ownership of a debt, and as such has no agreement expressly authorizing collection amounts, including interest.

Additionally, I remind I.C. SYSTEM, INC. of its civil liability under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) The actions of I.C. SYSTEM, INC. have been highly injurious and a direct threat to my inalienable and unalienable rights. These violations are stopping me from living out my life of liberty, and pursuit of happiness without harming or injuring anyone/anybody. I am here to assess all violations against I.C. SYSTEM, INC. for : 1. Actual Damages ; 2. Statutory damages ; 3. Attorneys fees, litigation expenses and costs of the instant suit ; and 4. Such other relief as the Court or CFPB shall deem proper.

A fraudulent statement was made that I.C. SYSTEM, INC was owed a debt.

I.C. SYSTEM, INC was not owed a debt, because it only purchased DATA about consumer transactions. Even if DEBT had been purchased, which it had not, I.C. SYSTEM, INC is not, nor has ever been, and never will be, the owner of the alleged debt. Instead, there are third party investors who are the actual owners of the debt, and then at that point, I.C. SYSTEM, INC would be collecting on THEIR behalf.

Despite the preceding sentence, I.C. SYSTEM, INC. has repeatedly represented that it is owed a debt in all communications related to its collection activities.

I HAVE ATTACHED TO THIS COMPLAINT THE FALSE AND MISLEADING REPRESENTATIONS OF I.C. SYSTEMS, INC. THAT WERE TRAFFICKED THROUGH THE U.S. MAILS IN AN ATTEMPT TO CONDUCT A FRAUDULENT SCHEME BY WAY OF EXTORTIONARY MEANS.

ATTACHED FILE ( S ) ARE AS FOLLOWS : 1 ) Original debt validation letter mailed to I.C. SYSTEM, INC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX  2 ) Printed out piece of paper printed by I.C.System, INC. bearing XXXX XXXX information, nothing that is the original contract or agreement with the original creditor that bears my wet ink signature, establishing the legality of the debt, or Proof of the debt 's assignment or purchase by I.C.System, INC., including details on how and when I.C.System, INC. acquired or was assigned the debt.

3 ) Another printed out piece of paper printed by I.C.System, INC. bearing XXXX XXXX information, nothing that is the original contract or agreement with the original creditor that bears my wet ink signature, establishing the legality of the debt, or Proof of the debt 's assignment or purchase by I.C.System, INC., including details on how and when I.C.System, INC. acquired or was assigned the debt.

4 ) Another printed out piece of paper printed by I.C.System, INC. bearing XXXX XXXX information, nothing that is the original contract or agreement with the original creditor that bears my wet ink signature, establishing the legality of the debt, or Proof of the debt 's assignment or purchase by I.C.System, INC., including details on how and when I.C.System, INC. acquired or was assigned the debt.

5 ) I.C.System, INC.s own makeshift document which bears fraudulent representation that I.C.System, INC. is owed a debt. The piece of paper bears the words Account Validation. This was a response by mail to from I.C.System, INC. to a DEBT VALIDATION LETTER ORIGINALLY MAILED TO I.C.System , INC. ON XXXX XXXX 2024 as I.C.System, INC .

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