Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: HI

Complaint narrative:
XXXX. Summary of Complaint I.C. System ( ICSI ) has repeatedly violated the FDCPA, XXXX XXXXXXXX, and Hawaii XXXX laws by : Sending XXXX collection letters after receiving my disputes Failing to provide any of the verification documents I requested in XXXX Notices of Dispute Failing to provide proof of Hawaii licensing Misrepresenting the creditor by instructing me to pay XXXX XXXX Attempting to collect {$6200.00} in interest without any calculation Ignoring my XXXX verification deadline Demonstrating a pattern identical to XXXX prior Hawaii CFPB complaints I am requesting supervisor review, licensing investigation, and assistance obtaining the verification documents I lawfully requested. XXXX. XXXX of Events XXXX. XX/XX/XXXX Initial Collection Letter ICSI demanded {$13000.00} allegedly owed to PV Tech. No verification was included. XXXX XX/XX/XXXX Notice of Dispute # XXXX Sent via Certified Mail. Delivered XX/XX/XXXX. Requested : assignment, chain of title, itemization, interest calculation, account statements, and proof of Hawaii licensing. XXXX XX/XX/XXXX ICSI Reply to XXXX XXXX XXXX ICSI only provided the original XXXX contract. They did not provide any of the required verification documents. XXXX XX/XX/XXXX Second Collection Letter ICSI continued collection during dispute and again instructed me to pay XXXX XXXX. XXXX XX/XX/XXXX Notice of Dispute # XXXX Sent via Certified Mail. Delivered XX/XX/XXXX. Repeated all verification requests and gave XXXX business days to respond. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX again continued collection during dispute, threatened future business relations, and still provided no verification. XXXX. Violations A. Federal FDCPA Violations ( 15 U.S.C. 1692 ) Continued collection during dispute ( 1692g ( b ) ) three letters after receiving disputes Failure to verify ( 1692g ( b ) ) no documents provided despite two requests Misrepresentation of creditor ( 1692e ( 2 ) ( A ) ) instructing payment to XXXX XXXX False representation of amount ( 1692e ) {$6200.00} interest with no calculation Unfair practices ( 1692f ) threatening future business relations XXXX Hawaii State Law Violations Unlicensed debt collection ( HRS 443B ) no proof of Hawaii licensing XXXX violations ( HRS 4802 ) misrepresentation, deception, continued collection Willful violations ( HRS 48013 ) pattern of knowing noncompliance XXXX. Pattern Evidence XXXX Prior Hawaii CFPB Complaints ICSI has a documented pattern of similar violations : XXXX ( XX/XX/XXXX ) : Attempts to collect debt not owed without validation XXXX ( XX/XX/XXXX ) : Harassment, unverified debt, continued collection XXXX ( XX/XX/XXXX ) : Debt demanded without contract or validation XXXX ( XX/XX/XXXX ) : Wrong person, no validation XXXX ( XX/XX/XXXX ) : No agreement, false reporting This shows knowing and willful misconduct. XXXX. Why IC System Can not Claim Compliance ICSIs XX/XX/XXXX letter states : Your debt still remains unpaid PV Tech assured us this debt was validly due and owing. This is not verification under 1692g ( b ). Verification requires : Proof of assignment or chain of title Itemization of the amount claimed Interest calculation methodology Account statements Proof of Hawaii licensure ICSI provided none of these items after XXXX Notices of Dispute and instead continued collection XXXX times, violating 1692g ( b ). XXXX. What I Am Requesting From CFPB I request that CFPB : Issue a supervisor review Refer unlicensed activity to Hawaii XXXX Refer UDAP and XXXX violations to the Hawaii Attorney General Require IC System to cease collection immediately Require IC System to provide all verification documents within XXXX business days Because the CFPB portal only allows XXXX upload, I am requesting a supervisor contact email so I can submit additional documents as I receive them. IC System has sent multiple letters and may continue to do so. I want to ensure CFPB receives all evidence without delay. XXXX. Exhibits Attached ( Numbered ) Exhibit XXXX : IC System Initial Collection Letter ( XX/XX/XXXX ) Exhibit XXXX : Notice of Dispute # XXXX ( XX/XX/XXXX ) with tracking Exhibit XXXX : IC System Reply to XXXX XXXX XXXX ( XX/XX/XXXX ) Exhibit XXXX : IC System Second Collection Letter ( XX/XX/XXXX ) Exhibit XXXX : Notice of Dispute # XXXX ( XX/XX/XXXX ) with tracking Exhibit XXXX : IC System Reply to XXXX XXXX XXXX ( XX/XX/XXXX ) Exhibit XXXX : XXXX Delivery Confirmation for NOD # XXXX ( XX/XX/XXXX ) Exhibit XXXX : USPS Delivery Confirmation for XXXX XXXX XXXX XXXX XX/XX/XXXX ) Additional Documents to Follow : I am continuing to monitor IC Systems compliance with my ceaseanddesist notices. Any additional collection activity received after this complaint will be submitted to CFPB as supplemental evidence of ongoing violations. * Upload Limitation Notice : I attempted to upload my full evidence packet ( Exhibits XXXX ), but the CFPB portal rejected the file due to size limitations. Because the system only allows XXXX upload at the time of filing, please provide a supervisor contact email so I can submit the complete evidence packet directly. IC System has sent multiple letters and may continue to do so. I want to ensure CFPB receives all evidence without delay.

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