Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX [ Insert Date ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : FORMAL DISPUTE & DEMAND FOR DELETION OF UNVERIFIED COLLECTION ACCOUNT I.C. SYSTEM INC Account XXXX XXXX XXXXXXXX Violations of FCRA 1681i, 1681e ( b ), FDCPA 809, SHAM Act & related statutes To Whom It May Concern, I am formally disputing the collection account reported by I.C. System Inc. under account number XXXX for the amount of {$58.00}. This account is falsely associated with XXXX XXXX XXXX XXXX and is being reported to credit agencies without proof of contract, itemized validation, or my legal obligation. 

Your continued reporting of this account is in direct violation of federal law and is now causing me significant emotional and financial hardship, including : Denial of credit and essential services Increased interest rates and insurance premiums Emotional XXXX XXXX, and reputation damage LEGAL VIOLATIONS FCRA 1681e ( b ) Accuracy of Information All information reported must be accurate and verifiable. No signed agreement, billing history, or itemized statement tying this debt to me has been presented.

FCRA 1681i Duty to Reinvestigate Upon dispute, the CRA must delete unverifiable information within 30 days. Failure to do so is a willful violation.

FDCPA 809 Lack of Proper Validation I have never received proper validation or a signed contract from I.C. System. You can not legally report a debt you can not validate.

SHAM Act Reporting of Fraudulent or Unverified Data You are knowingly reporting a manipulated or unverifiable account, which violates the SHAM Act, intended to protect consumers from fraudulent or baseless credit reporting.

DATA BREACH LIABILITY Let this also serve as notice that my personal data has likely been compromised due to the documented breaches of the Big Three bureaus : XXXX XXXX XXXXXXXX ) : exposed names, SSNs, DOBs of XXXX consumers XXXX XXXX XXXXXXXX ) : massive breach involving XXXX  user data XXXX XXXX XXXXXXXX ) : breach impacting sensitive consumer files Given the high risk of identity theft and file contamination, it is entirely plausible that this collection account is the result of fraud or erroneous association, and it must not remain on my report without clear and convincing proof. 

WHERE IS THE CONTRACT? 
You are reporting this debt without : A signed contract between myself and XXXX XXXX XXXX or I.C. System A bill of sale or assignment proving I.C. System purchased the debt A detailed itemization of any amount allegedly owed If you can not produce this information, you have no legal basis to report this account. 

DEMAND FOR ACTION I formally demand that : This collection account be permanently deleted from all credit reports immediately I receive written confirmation of deletion within 15 days All CRAs cease and desist from reporting this unverifiable account FAILURE TO COMPLY WILL RESULT IN ACTION Should you fail to act, I will not hesitate to : File complaints with the CFPB, FTC, and State Attorney General Pursue a civil claim under : 15 U.S.C. 1681n/o ( for willful/negligent FCRA violations ) FDCPA 813 ( for failure to validate and continued collection ) The SHAM Act, for fraudulent reporting Seek compensatory and punitive damages for ongoing emotional and financial injury This is your legal notice. I expect full compliance or you will be held accountable. 

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