Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because I C SYSTEM, a third-party debt collection agency, has reported a derogatory collection/charge-off account under Account # XXXX on my consumer credit file. This account, showing a past-due balance of {$1000.00}, appears on my reports as a derogatory collection item, yet I have never received any legal validation, contractual documentation, billing statements, or proof of ownership from I C SYSTEM despite my disputes.

Because federal law requires accurate, verifiable, and fully documented reportingand because debt collectors are legally obligated to validate debts under the FDCPA before continuing collection or furnishing derogatory datathis account appears to be unverified, inaccurate, incomplete, and unlawfully reported.

This narrative explains in full detail what happened, my attempts to resolve the issue, and the multiple violations that appear to have occurred. 

1. Discovery of I C SYSTEM Account # XXXX When reviewing my credit reports, I discovered a collection account furnished by I C SYSTEM with the following information : Creditor/Collector : I C SYSTEM Account Number : XXXX Status : Collection/Charge-off Balance Reported : {$1000.00} Reporting : Appears as Derogatory Reporting Pattern : Appears across two credit bureaus No original creditor listed No dates of delinquency or service No documentation attached This was the first time I became aware of this alleged debt. I had : received no letters, received no bills, received no validation notices, received no communication at all from I C SYSTEM. 

Because the law requires debt collectors to send written notice within five days of first contact ( FDCPA 809 ( a ) ), their failure to do so is an immediate red flag and a violation.

2. No Debt Validation Was Ever Provided Under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) : A debt collector must cease collection and furnish no adverse credit information until they provide proper validation of the debt.

To date : I C SYSTEM has never sent validation.

I C SYSTEM has never provided proof that I owe {$1000.00}.

I C SYSTEM has never provided proof of the original creditor.

I C SYSTEM has never provided a copy of the contract.

I C SYSTEM has never provided any accounting history.

I C SYSTEM has never demonstrated ownership or assignment of this debt. 

Yet they continue reporting the account as a derogatory collection item. 

This is a direct violation of federal law. 

3. No Original Creditor or Contract Identified When a debt is placed in collections, a consumer must be provided : the name of the original creditor, the account number, the date of last payment, the service address, the contractual basis for the debt, and a complete itemization.

I C SYSTEM has furnished none of this information.

Their reporting contains : no original creditor name, no loan or service details, no dates of delinquency, no agreement terms, no itemized charges.

This strongly suggests that : The debt may not be mine, The debt may be assigned incorrectly, The balance may be fabricated or inaccurate, I C SYSTEM may not have legal authority to report the account, The data being furnished may be incomplete or unverifiable. 

XXXX. Dispute Process Revealed No Documentation After discovering the I C SYSTEM account, I filed formal disputes with the credit bureaus. In these disputes, I specifically requested : validation of the debt, documentation of the original contract, itemized accounting details, proof of ownership or assignment, the method of verification, evidence of a manual reinvestigation, and all documents furnished by I C SYSTEM. 

However, the credit bureaus responded with a generic statement : The furnisher has verified that the information is accurate. 

Yet : No documents were provided. 

No contract was provided. 

No proof of the debt was provided.

No itemization was provided.

No communication from I C SYSTEM was included.

This indicates that the dispute was likely processed through e-OSCAR, the automated dispute system that reduces disputes to numeric codes and often bypasses required document review.

This is not a lawful reinvestigation under FCRA 611 ( a ).

5. Failure to Provide FDCPA-Mandated Validation Because I C SYSTEM is a debt collector, they are required to : send a validation notice within 5 days of first contact, identify the original creditor, provide validation upon request, cease collection while validation is pending, refrain from furnishing unvalidated information to credit bureaus. 

I C SYSTEM failed all XXXX requirements. 

They have continued reporting a derogatory debt despite providing XXXX validation documents, which constitutes continued collection activity in violation of federal law. 

XXXX. I XXXX XXXX Reporting Is Incomplete and Inaccurate The reporting of Account # XXXX is missing several key data points required by federal law and credit bureau reporting standards : Missing original creditor name Missing account open date Missing date of first delinquency Missing date of last payment Missing service description Missing itemized balance breakdown Missing contractual documentation Missing validation history Missing dispute notation ( required under FCRA 623 ( a ) ( 3 ) ) These omissions render the account factually incomplete, which by law means it can not be verified as accurate.

7. I C SYSTEM Did Not Conduct a Reasonable Reinvestigation For an account to remain after a dispute, the furnisher must conduct a reasonable reinvestigation.

A reasonable reinvestigation requires : review of original records, matching data to internal systems, providing documents to credit bureaus, resolving conflicting details, and confirming the debt with documentation.

There is no evidence I C SYSTEM did any of these.

Their likely response was a simple : Verified.

This is not a lawful reinvestigation.

Under federal law, this failure alone requires deletion.

8. Possible Mistaken Identity or Mixed File Because the I C SYSTEM account : has no original creditor listed, carries a balance not associated with any known account, appears abruptly without prior correspondence, lacks validation, contains incomplete data, and appears only on certain reports, it raises concerns of : mixed credit file, incorrect assignment, data entry error, collection of the wrong consumer, or outdated/unverified debt.

Mixed files are a known problem in the credit industry, and the lack of matching identifiers suggests this may be the case.

9. Harm Caused by I C SYSTEMs Reporting Because I C SYSTEM furnished unverified derogatory data, I suffered : damage to credit score, increased interest rates, difficulty securing loans or lines of credit, heightened risk assessments by lenders, emotional stress, financial harm, and reputational damage.

These damages are the direct result of unlawful reporting and the failure to validate Account # 176633.

10. No Evidence I Owe a Debt to I C SYSTEM At this point, based on : absence of a contract, absence of validation, absence of itemization, absence of notices, absence of ownership proof, absence of reinvestigation documentation, absence of original creditor information, there is no evidence whatsoever that : The debt belongs to me, The debt exists, The balance is correct, I C SYSTEM owns or has rights to collect the debt, I C SYSTEM can legally furnish this information, The reporting is accurate or lawful.

11. Continued Reporting Without Validation Is a Federal Violation I C SYSTEM continues furnishing information despite : no validation no verification no documentation no notices no chain-of-assignment no evidence no reinvestigation no compliance This violates : FDCPA 809 ( b ) FCRA 607 ( b ) FCRA 611 ( a ) FCRA 623 ( a ) ( 1 ) FCRA 623 ( a ) ( 3 ) FCRA 623 ( a ) ( 5 ) This is harmful, unlawful, and must be corrected.

12. Summary of What Happened To summarize : I C SYSTEM Account # 176633 appeared on my credit reports without any prior notice.

I never received validation or documentation.

I C SYSTEM failed to provide the FDCPA-required validation notice.

Disputes to the credit bureaus resulted in generic verified replies.

No documentation was provided by I C SYSTEM.

The account lacks original creditor details and required data fields.

I C SYSTEM failed to conduct a lawful reinvestigation.

Reporting is incomplete, inaccurate, and unverified.

I C SYSTEM continues to report without validation, in violation of federal law.

The reporting has caused financial, emotional, and reputational harm.

Because of these issues, I request the CFPB review this matter and hold I C SYSTEM accountable for furnishing unverified and incomplete information.

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