Consumer complaint received 2026-01-02 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 regarding I.C. System, Inc. due to inaccurate credit reporting, improper collection practices, and failure to provide adequate validation for a collection account that I did not open, authorize, or knowingly benefit from. This account is being reported as a derogatory collection with a past-due balance and has caused ongoing and significant harm to my credit profile. 

Discovery of the I.C. System Account I discovered the I.C. System collection account after reviewing my consumer credit reports from the major credit reporting agencies. At the time I became aware of the account, it was already reporting as a collection with a past-due balance and derogatory status. I was not previously notified of this account, did not receive any initial billing statements, and did not receive a clear validation notice explaining the origin of the debt before it appeared on my credit reports. 

I do not recognize this account as one that belongs to me. I did not apply for, authorize, or agree to any debt that would give I.C. System the right to collect or report this account in my name. 

Lack of Authorization and Contractual Relationship I have never had a contractual relationship with I.C. System regarding the alleged debt being reported. I did not sign any agreement, did not authorize the opening of the underlying account, and did not consent to I.C. System collecting or reporting this debt. 

I did not receive the goods, services, or funds allegedly associated with this account. The presence of this collection account suggests that my personal information may have been used without my knowledge or authorization, raising serious concerns about identity theft or unauthorized account activity. 

Derogatory Collection Reporting The I.C. System account is reported as a collection with a past-due balance and derogatory status. This negative reporting has significantly affected my credit profile, including damage to my payment history, the presence of a collection account, and reduced overall creditworthiness. 

I am not responsible for this debt, and I did not cause the alleged delinquency. The continued reporting of this account misrepresents my financial history and creates an inaccurate picture of my creditworthiness. 

Inconsistent and Incomplete Reporting Another major concern is the manner in which the I.C. System account is reported. In some instances, the account appears on certain credit bureaus but not others, or it is reported with inconsistent balances, dates, or statuses. This inconsistent reporting indicates that the information being furnished may not be accurate or reliably verified. 

If the account were legitimate and properly documented, the reporting would be consistent and complete across all credit reporting agencies. Instead, the reporting appears fragmented and unsupported. 

Dispute and Validation Efforts After discovering the I.C. System collection account, I took steps to dispute it. I notified the credit reporting agencies that I did not recognize or authorize this account and requested a reinvestigation. I also sought validation of the debt, requesting documentation that would establish my responsibility for the alleged balance. 

Despite these disputes, the I.C. System account has continued to be reported as a collection. I have not been provided with copies of original contracts, applications, itemized billing statements, or documentation showing that I legally owe this debt or that I.C. System has the right to collect it.

Failure to Provide Meaningful Debt Validation I.C. System has failed to provide meaningful validation of the alleged debt. Generic responses stating that the account has been verified do not satisfy the requirement to substantiate a disputed debt. Proper validation should include documentation demonstrating that I incurred the debt and that I.C. System has lawful authority to collect and report it. 

To date, I.C. System has not provided : An original signed agreement or contract Proof that I authorized the account Detailed billing statements explaining the balance Documentation showing lawful assignment or ownership of the debt Without this information, there is no basis for XXXX. System to continue reporting or collecting this account. 

Identity Theft and Unauthorized Use Concerns Because I did not authorize or recognize this account and because validation has not been provided, I believe the I.C. System account may be the result of identity theft or unauthorized use of my personal information. I did not knowingly participate in the transactions associated with this debt and did not benefit from them. 

The continued reporting and collection activity despite these concerns has compounded the harm caused by the initial unauthorized activity. 

Harm Caused by I.C. Systems Actions The impact of I.C. Systems reporting and collection practices has been significant. The presence of a collection account has lowered my credit scores, increased perceived credit risk, and limited my ability to access credit on fair terms. It has also caused stress, anxiety, and the burden of repeatedly disputing an account that does not belong to me.

I have spent substantial time and effort attempting to correct this issue, yet the account remains on my credit reports, prolonging the damage.

Failure to Conduct a Reasonable Investigation I.C. Systems handling of my dispute suggests a failure to conduct a reasonable and good-faith investigation. Merely confirming information through automated systems or internal databases does not constitute a meaningful investigation, especially when the debt is disputed as unauthorized. 

A reasonable investigation should involve reviewing original source documentation and verifying that the consumer is legally responsible for the debt. I.C. System has not demonstrated that such an investigation occurred.

Legal and Compliance Concerns I.C. Systems actions raise concerns regarding compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. These laws require debt collectors and furnishers to report accurate information, investigate disputes properly, and cease collection and reporting of debts that can not be verified. 

Continuing to report a disputed collection account without proper validation and documentation undermines the accuracy of the credit reporting system and causes ongoing consumer harm. 

Request for CFPB Review and Intervention I am submitting this complaint to request that the Consumer Financial Protection Bureau review I.C. Systems conduct and require corrective action. I am seeking accountability, transparency, and compliance with consumer protection laws.

Desired Outcome I am requesting that I.C. System : Conduct a thorough and meaningful investigation using original documentation.

Provide proof that I authorized and incurred the alleged debt, if such proof exists.

Immediately delete the I.C. System collection account from all credit reports if it can not be fully verified. 

Cease all collection and reporting activity related to this account. 

Ensure that the account is not reinserted or re-reported without proper documentation and notice. 

Conclusion I did not open, authorize, or benefit from the account being collected and reported by I.C. System. The continued reporting of this collection account is inaccurate, harmful, and unsupported by evidence. I am seeking a fair and lawful resolution that removes this account and prevents further damage to my credit profile. 

I certify that the information provided in this complaint is true and accurate to the best of my knowledge.

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