Consumer complaint received 2025-12-08 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 detailed rebuttal because I.C. Systems interim response does not resolve the issue, does not address the identity theft that I reported, and does not provide any documentation proving that I owe the alleged XXXX debt. In addition, I need the CFPB to note that my previous case, XXXX, was incorrectly marked as a duplicate. That case was not a duplicate ; it was a rebuttal, and because it was closed without resolution, I am now filing a new case to continue addressing this matter. I also filed an FTC Identity Theft Report, which is federal evidence that this account does not belong to me. 

Despite submitting multiple disputes and explanations, I.C. System has failed to validate the debt, failed to provide any documentation linking me to the alleged account, and failed to address the identity theft claim. Their interim response does not resolve anything. For these reasons, I am requesting that the CFPB continue reviewing this matter. 

1. Prior Case Was Closed Incorrectly This Case Is Not a Duplicate The previous CFPB case associated with this matter, XXXX, was incorrectly closed and marked as duplicate. It was not a duplicate. It was intended to be a rebuttal because the original I.C. System response failed to validate the debt. 

Because the prior case was closed improperly without resolving my concerns, I am filing this new case to ensure the issue is properly reviewed. This filing is not repetitive ; it is required to address an unresolved dispute involving identity theft and improper reporting. 

A fair review requires the CFPB to note that this is not duplicate activity it is a continuation of an unresolved issue. 

2. I Filed an FTC Identity Theft Report Because I Do Not Own This Account I filed an FTC Identity Theft Report documenting that this XXXX account is fraudulent. I never opened or authorized any XXXX or XXXX account, nor did I receive any equipment, service installation, billing statements, or communication about this account before it appeared as a collection item. 

The FTC identity theft report serves as legal evidence that : My identity was compromised Someone may have used my information without my permission Any account associated with that identity theft can not be assumed to be mine Creditors and collectors must treat the account as fraudulent unless they prove otherwise Despite this, I.C. System continues to report the account and continues providing incomplete or irrelevant responses instead of proof. 

3. I.C. Systems Interim Response Does Not Provide Validation or Proof of Ownership In their interim response, I.C. System states : They are not handling a XXXX  account XXXX ( XXXX ) is both the current and original creditor Debt validation was mailed previously They suggest I file a XXXX identity theft claim This is not sufficient. Their response fails to include : A contract with my signature An application opened by me Proof I requested XXXX services Any installation record Proof of equipment provided Copies of bills mailed to me Copies of notices mailed to me Itemized account history Proof that I used or accessed any XXXX services The statement that they mailed validation does not constitute validation. 
There is no legal proof that I owe this debt. 

XXXX. No Documentation Has Ever Been Provided Showing I Opened This Account At no point have I received : A signed agreement An installation authorization Service activation documents A service order confirmation An address associated with service Any equipment serial assignment Any account login or activity record Payment history Copies of notices sent before collections Without these items, there is no legal basis to report or collect this alleged debt. 

XXXX. XXXX Must Provide Proof, Not I.C. Systems Assumptions The interim response states that XXXX is the creditor and recommends that I contact them. That does not relieve I.C. System of its obligation under FDCPA 809 ( b ). A collector must provide : The original contract Itemized statements Proof of the debt A collector can not shift responsibility by telling the consumer to investigate with the original creditor. 
The burden of proof rests on the collector. 

Their interim response does not satisfy their legal duty. 

6. I.C. System Admitted the Possibility of Identity Theft The companys interim response states that : If the consumer believes their identity has been stolen and/or fraudulently used to acquire XXXX services XXXX the consumer may initiate a claim.

This suggests they are aware that fraud is a possibility. 
Since I already filed an FTC identity theft report, the account should have been blocked immediately. 

Under FCRA 605B : Fraudulent accounts must be blocked Reporting must cease Consumers can not be held responsible The furnisher must delete or correct the account unless they provide proof Since no proof was provided, the account should have been deleted. 

7. The Alleged Debt Is Being Reported Without Legal Validation Under federal law, a debt collector may not : Report a debt without validating it Continue to report after receiving an identity theft notice Require the consumer to contact the original creditor Assume the account is valid without proof Because none of the required documents have been provided, the continued reporting constitutes an FCRA violation and an FDCPA violation. 

8. I Never Received Any XXXX XXXX, Bills, or Equipment I never : Requested XXXX XXXX Allowed installation at my address Received equipment Received bills Received delinquency notices Activated any services Received a shut-off notice Set up an account login Paid or attempted to pay any XXXX bill The absence of these elements proves that the account is not mine.

9. The Companys Suggestion to File a XXXX Claim Does Not Replace Their Legal Requirements I.C. Systems instructions directing me to XXXX fraud website shows that : They acknowledge the account may be fraudulent They do not have documentation to validate the debt They are shifting the burden to the consumer Collectors must not shift burden or responsibility for validation. 

I have already taken the legally correct steps : I filed an FTC Identity Theft Report I disputed the debt I requested validation Only I.C. System and XXXX can validate. 
I can not validate an account I never opened. 

XXXX. Continued Reporting Without Proof Is Causing Ongoing Harm The collection entry associated with this account has caused : Damage to my credit score Denial of financial opportunities Emotional distress Confusion about identity compromises Unnecessary time and effort to resolve Fear of additional unauthorized accounts The harm continues because the company refuses to delete the account despite : No proof of ownership Identity theft report filed No validation provided No contractual documentation Because the account is unverified, continued reporting is unlawful. 

11. This Account Should Be Removed Under FCRA Identity Theft Rules Under FCRA 605B : A consumer reporting agency must block identity-theft-related information within four business days of receiving : Identity theft report Proper identification A statement of disputed data I met all of these requirements.

Therefore, this account should already have been removed.

12. What Would Be a Fair Resolution Given the facts, a fair and lawful resolution requires : A. Permanent deletion of the XXXX account from my credit file Because it is unvalidated, fraudulent, and the company has provided no proof. 

B. Cease all collection activity I.C. System must stop reporting, collecting, transferring, or assigning the debt.

C. Written confirmation that the account is fraudulent And acknowledgment that the FTC identity theft report is accepted. 

D. No sale or transfer to any other collection agency The account must be permanently closed and can not be reinserted.

E. Notification to credit bureaus That the account was fraudulent and should never reappear.

F. Compliance with identity theft laws Including FCRA, FDCPA, and FACTA requirements.

G. Detailed explanation of any validation allegedly mailed Including proof of mailing, contents, and documents reviewed.

H. Manual reinvestigation Not automated e-OSCAR responses.

I. Confirmation of actions taken to protect me from further identity theft Including red flag process compliance.

Final Statement This account does not belong to me. 
I did not authorize XXXX services. 
I did not receive validation. 
I filed an FTC identity theft report. 
The previous case was closed in error. 
This filing is not a duplicate it is a necessary rebuttal. 

I respectfully request the CFPB require I.C. System and XXXX to : Remove this account permanently Confirm it has been closed as identity theft Stop all collection activity Cease reporting immediately Provide written confirmation of compliance This is the only fair, lawful, and appropriate resolution.

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