Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Dispute and Complaint Regarding Violations by ICY SYSTEM Collection Agency To Whom It May Concern, I am writing to file a formal dispute and complaint with the Consumer Financial Protection Bureau XXXX XXXX SYSTEM, a collection agency, for violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On [ date of collection notice or report ], I received notice from ICY SYSTEM that they placed a collection account on my credit report. However, ICY SYSTEM has failed to comply with the following laws : 1. Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), ICY SYSTEM did not provide me with the required validation of the debt within the specified timeframe, yet they reported the collection on my consumer report.

2. Denial of Dispute Rights : Pursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), ICY SYSTEM did not provide me with the opportunity to dispute the account before reporting it to consumer reporting agencies. 

3. Use of False, Misleading, and Deceptive Means : ICY SYSTEM has engaged in false, misleading, and deceptive practices in violation of consumer rights under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

4. Lack of Required Disclosures : ICY SYSTEM has furnished account information to consumer reporting agencies without providing all required disclosures as mandated by law. 

Therefore, I request the following actions : * Immediate Removal from Credit Report : I demand that ICY SYSTEM remove the collection account from my credit report due to their failure to comply with the above laws. 
* Dispute of Debt : I dispute owing any and all debts to ICY SYSTEM. 
* Revocation of Communication Rights : I hereby revoke any authorization for ICY SYSTEM to communicate with me via email, text messages, or phone calls. All further communication must be in writing and sent to the address provided above. 
* Request for Debt Validation : Please provide validation of the alleged debt, including documentation proving the debt is valid and that ICY SYSTEM has the legal right to collect it.

* Request for Purchase Agreement : Please furnish a copy of the purchase agreement between ICY SYSTEM and the original creditor pertaining to the alleged debt.

* Proof of Licensing and Bonding : Please provide documentation proving that ICY SYSTEM is licensed and bonded to collect debts in my state. 

I kindly request that the CFPB investigate this matter promptly and take appropriate enforcement action against ICY SYSTEM for their violations of consumer protection laws. 
Thank you for your immediate attention to this dispute. Please contact me at the above address or by phone at XXXX if you require any further information. 
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