Consumer complaint received 2026-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC System, Inc. contacted me by text message on or about XX/XX/year> regarding an alleged XXXX debt, account reference # XXXX. I replied STOP to opt out of text communication and sent IC System a written dispute and debt validation request. USPS tracking confirms that IC System received my written dispute and validation request on XX/XX/year> at XXXXXXXX XXXX The tracking number is XXXX. During a later phone call, IC System acknowledged that it received my letter, acknowledged that it forwarded the dispute to XXXX, and stated that XXXX response could take 30 to 60 days. IC System also stated that it had not yet heard back from XXXX. Despite receiving my written dispute and despite admitting that it was still waiting on XXXX, IC System furnished or continued furnishing this collection account to the consumer reporting agencies. I believe this violated the Fair Debt Collection Practices Act because 15 U.S.C. 1692g ( b ) requires a debt collector to cease collection of a disputed debt until the collector obtains verification and mails that verification to the consumer. IC System admitted it was still waiting on XXXX and did not confirm that validation had been mailed to me. I also believe IC Systems credit reporting was improper under CFPB Regulation F, 12 C.F.R. 1006.30 ( a ), because IC System furnished or continued furnishing information about the debt without properly completing the required communication and validation process. Additionally, if IC System furnished this account without marking it as disputed, I believe that violated 15 U.S.C. 1681s-2 ( a ) ( 3 ), which states that a furnisher may not furnish disputed information to a consumer reporting agency without notice that the information is disputed by the consumer. I am requesting deletion of this account from all consumer reporting agencies, written confirmation of deletion, and an explanation of why IC System reported or continued reporting this account after receiving my written dispute and before mailing validation to me. They have harmed me. Today I went to apply for credit and my file is frozen and I was asked to remove the freeze and that is when I saw that they have placed this on my credit file so I could not proceed with applying b/c once the creditor saw this on my file it was a sure denial. I believe this conduct may subject IC System to statutory damages of up to {$1000.00} under 15 U.S.C. 1692k, plus any actual damages, costs, and attorneys fees. In addition, the collection tradeline does not appear to be reported as disputed. I directly disputed this account with IC System in writing, and during a later phone call IC System acknowledged receiving my dispute and stated that it was still waiting on XXXX for a response. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), once a furnisher has been notified by the consumer that the information is disputed, the furnisher may not furnish the information to a consumer reporting agency without notice that the information is disputed by the consumer. My credit report does not show that dispute notation. I also believe IC System violated 15 U.S.C. 1692g ( b ), which requires a debt collector to cease collection of a disputed debt until it obtains verification and mails that verification to the consumer. IC System admitted it was still waiting on XXXX, yet the account was reported or continued to be reported to the consumer reporting agencies.

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