Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against I.C. System, Inc., a third-party debt collection agency, for repeated violations of federal consumer protection laws including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Regulation F ( XXXX CFR Part XXXX ). 

Additionally, I believe I.C. System has failed to uphold Illinois consumer protection requirements and has furnished inconsistent, unvalidated, and deceptive information to both XXXX XXXX XXXX credit reporting agencies. 

1. Violation of Validation Requirements XXXX CFR XXXX ( b ) ( 5 ) I.C. System placed a collection account on my consumer credit reports without providing the required validation notice. Under XXXX CFR XXXX ( b ) ( 5 ), a debt collector must provide a written notice containing the following : Name of the creditor Amount of the debt Consumers right to dispute Timeframe to request validation I have received none of this information, yet the debt was still reported, which is a clear violation of Regulation F and the FDCPA. 

2. Failure to Provide Right to Dispute XXXX CFR XXXX ( c ) ( 4 ) ( i ) I.C. System did not inform me of my right to dispute the debt within 30 days of their initial communication, as required by XXXX CFR XXXX ( c ) ( 4 ) ( i ). This omission stripped me of my legal right to contest the debt before it was reported to the credit bureaus. 

3. False, Misleading, and Deceptive Collection Practices XXXX U.S.C. XXXXe By reporting unverifiable and unvalidated debt to credit reporting agencies without a proper notice or validation, I.C. System has engaged in false, misleading, and deceptive collection activity, in violation of : XXXX U.S.C. XXXXe Prohibits false or deceptive means to collect a debt Additionally, presenting different balances and account dates across bureaus suggests intended deception, confusion, and noncompliance with fair reporting standards. 

4. Illegal Credit Reporting XXXX CFR XXXX ( d ) & XXXX U.S.C. XXXXs-2 ( a ) ( 7 ) ( A ) Despite the above violations, I.C. System furnished negative account information to XXXX XXXX XXXX without meeting legal obligations. 

This violates : XXXX CFR XXXX ( d ) Debt collectors may not furnish data to a consumer reporting agency without providing legally required disclosures XXXX U.S.C. XXXXs-2 ( a ) ( 7 ) ( A ) Furnishers must notify the consumer at least 30 days before reporting negative information 5. Inconsistent and Inaccurate Reporting Across Bureaus XXXX U.S.C. XXXXe ( b ) The information reported by I.C. System on XXXX XXXX XXXX does not match. This includes inconsistencies in : Date of delinquency Amount owed Status of the account Under XXXX U.S.C. XXXXe ( b ), credit furnishers must ensure that all data supplied to consumer reporting agencies is accurate and consistent. Failure to do so is a violation of the FCRA. 

6. Violation of Illinois Consumer Protection Laws Although I.C. System is a licensed debt collector, they are still subject to Illinois consumer protection rules under the Illinois Collection Agency Act ( XXXX ILCS XXXX ). Their failure to provide a validation notice or adhere to federal standards constitutes unfair and deceptive practices under both federal and state law. 

Revocation of All Communication XXXX U.S.C. XXXXc ( c ) Under the FDCPA, I am revoking my right to any and all communication from I.C. System, Inc. under XXXX U.S.C. XXXXc ( c ). I request that I.C. System cease all contact with me, including phone calls, emails, letters, or any electronic messages. Any attempt to contact me after this notice will constitute harassment and further legal violation.

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