Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing a collection attempt for an alleged debt from a business i owned from XXXX XXXX. The collector is using a XXXX XXXX XXXX ( postal authorization ) as 'verification, ' which is not a financial contract. My business closed in XXXX. The collector is reporting false XXXXopen dates ' ( XXXX ) to bypass the FCRA 7-year limit. They also falsely claimed I requested a 'cease communication ' to prevent me from disputing. This debt was already deleted by XXXX and XXXX ; this is an illegal re-insertion attempt of time-barred debt under Florida law XXXX They are attempting to recertify the debt and report me a second time. Early in XX/XX/XXXX, a company I never heard of IC Collections inserted collections actions to my XXXX and XXXX credit reports. They claimed I opened an account in XXXX of XXXX and owed the creditor, XXXX XXXX {$2400.00}. I never opened such account in XXXX. Neither the creditor or the collection agency ever communicated with me. This report was successfully removed from the credit bureaus by the bureaus. Immediately, IC Systems sent a first time letter to my address with my old last name, ( which was changed in XXXX ). The entire letter is so faded it is almost unreadable ( and some is actually unreadable ). They sent a letter stating " Communications are ceased '' stating they are honoring my request to not contact me. I have never spoken to this company or had any communication with them directly, and certainly never told them to cease communications, on the contrary, as mentioned, they had never contacted me whatsoever perviously. This is an attempt to circumvent me from disputing this letter, as they are retrying to attempt to collect a debt that I do not owe. The new correspondence, confirms that I once had an account with this creditor, when I opened the account in XXXX. This account was always paid and was canceled directly with the creditor years ago, ( sometime between XXXX and XXXX ). My business cease to exist in XXXX. Along with the Cease communications letter, was attached an invoice from the date of XX/XX/XXXX and did not include any of the invoicing from XXXX when the account actually existed. They are falsly claiming that my credit card on file stopped working in XXXX of XXXX and that they tried to contact me, which is a total fabrication. I have received zero services from this company in approximately XXXX or XXXX years, as I closed the account. The creditor has provided nothing to bill upon, there isn't even a business anymore and zero mail regarding that business since XXXX. What the collection agency is trying to do is re-age a false debt that I do not owe after it was successfully removed as fraud from the credit bureaus. This account was properly closed many years ago and the creditor knows it. If such were not the case, they would not have waited almost a decade to try to collect on a false debt and file a bureau report against me. The only other coorespondance included in the letter, is a copy of XXXX form that allows an agent to accept mail from XXXX. There was no copy of a contract or anything else proving I ever had this account at all.

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