Consumer complaint received 2025-05-27 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: MI

Complaint narrative:
I am writing to file a formal complaint against IC SYSTEMS ( hereinafter " the Collector '' ) for serious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and its implementing rule, Regulation F, 12 C.F.R. Part 1006. These violations include, but are not limited to, failure to provide legally required validation notices, improper credit reporting, harassment, and refusal to provide essential information regarding an alleged debt. 
Summary of Events : On or around XX/XX/2025, I discovered that the Collector had furnished negative information regarding an alleged debt to one or more credit reporting agencies ( CRAs ), including XXXX XXXX XXXX. This was the very first indication I had of any alleged debt being handled by this Collector. 
Critically, I had received no prior communication from the Collector regarding this alleged debt no letters, no emails, and no phone calls that identified the sender as a debt collector or the purpose as debt collection. I have since learned that the Collector apparently had incorrect contact information for me on file, including an incorrect email address and an incorrect mailing address. As a result, I was never sent, nor did I ever receive, the validation notice required under 15 U.S.C. 1692g ( a ) within XXXX days of any purported initial communication, or at any time before the negative credit reporting. This complete lack of notification deprived me of my statutory right to dispute the debt and request validation within the XXXX period before such adverse action was taken. 
The negative information furnished by the Collector has already lowered my credit score, which is particularly damaging as I am in the process of XXXX XXXX XXXX XXXX.

Upon discovering this on my credit report, I immediately attempted to contact the Collector by telephone on XX/XX/2025 to understand the nature of this alleged debt and how it could be reported without any prior notification to me. During these attempts to gather information : On XXXX  separate occasions, while I was speaking calmly and professionally to representatives of the Collector, the call was abruptly terminated by the Collector 's representative. This occurred XXXX  times consecutively on XX/XX/2025. 
During these calls, I specifically requested the contact information for the original creditor of this alleged debt. Representatives of the Collector refused to provide me with this information.

I was not provided with any meaningful information about the alleged debt, its origin, or the Collector 's authority to collect it.

Violations of the FDCPA and Regulation F : Based on these facts, I believe the Collector has violated, at a minimum, the following provisions : 15 U.S.C. 1692g ( a ) & 12 C.F.R. 1006.34 : Failure to provide a validation notice containing required information within XXXX days of the initial communication ( which, in this case, appears to have been made to incorrect addresses, thus never reaching me, or the credit reporting itself could be construed as an initial communication without prior notice ).

12 C.F.R. 1006.42 ( a ) ( 1 ) : Failure to send required disclosures in a manner reasonably expected to provide actual notice. Using incorrect contact information fails this standard.

15 U.S.C. 1692e ( 8 ) & CFPB Guidance : Communicating or threatening to communicate credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Reporting the debt without providing proper notice and opportunity to dispute, especially when relying on incorrect contact information, is an unfair and deceptive practice. The CFPB has also indicated collectors should wait a reasonable period ( e.g., XXXX XXXX ) after sending electronic notice before reporting, which was clearly not done.

15 U.S.C. 1692d : Engaging in conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Repeatedly hanging up on a consumer who is attempting to gather information in a calm and professional manner constitutes such conduct.

15 U.S.C. 1692e ( 10 ) : The use of false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Refusing to provide original creditor information, especially when no proper validation notice was ever received, can be a deceptive means.

15 U.S.C. 1692f : Using unfair or unconscionable means to collect or attempt to collect any debt. Reporting to CRAs without ensuring the consumer received basic statutory notices due to the collector 's use of incorrect contact information is an unfair practice. 
Desired Resolution : I request that the Collector immediately cease and desist all collection activities on this alleged debt until it has provided proper, legally compliant validation of the debt sent to my correct current address. 
I demand that the Collector immediately request the deletion of all information it has furnished regarding this account from all credit reporting agencies ( including, but not limited to, XXXX XXXX XXXX XXXX ) due to its failure to comply with the FDCPA and Regulation F prior to reporting. 
I request that the Collector provide me, in writing to my correct address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX and correct email address XXXX, with : Complete validation of the alleged debt as required by 15 U.S.C. 1692g.

The name and address of the original creditor.

An explanation for why it used incorrect contact information for me. 
An explanation for why its representatives repeatedly terminated phone calls. 
I request that the CFPB investigate the practices of IC Systems to ensure its compliance with federal law and to prevent harm to other consumers. 
The conduct of this Collector is unacceptable and appears to be in clear violation of federal law. I look forward to your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

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