Consumer complaint received 2025-12-04 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 filing this complaint because IC System is reporting XXXX collection accountsidentified as XXXX and XXXXthat I do not own, did not authorize, and have never received documentation for. Due to IC Systems failure to validate these accounts and their continued reporting of information that does not belong to me, I have now filed a formal FTC identity theft report, as these accounts appear to be the result of fraud, misidentification, or errors that IC System has not corrected. What happened involves repeated disputes, unanswered requests for proof, and serious negative impacts on my credit profile. 

The first time I became aware of these XXXX IC System accounts was when I reviewed my credit report and saw them listed as derogatory entries. Before that, I never received any letters, billing statements, validation notices, collection attempts, or any communication indicating that I owed a balance to IC System or to any original creditor associated with these accounts. The appearance of these XXXX accounts on my credit report was unexpected, confusing, and alarming, especially because I am very careful with my financial history and I had never been informed of any outstanding balances. 

Once I saw the XXXX IC System accounts, I immediately disputed them with the credit bureaus. In my disputes, I explained clearly that I do not own these accounts and I requested that IC System provide the legally required documentation proving : How these accounts were created Whether my identity was used What original creditor allegedly assigned the accounts Any contracts or agreements with my signature Any statements or itemized billing Any communication logs or notices Any evidence linking me to the debts Despite these requests, IC System never provided a single document. Instead, the credit bureaus reported back to me that IC System had verified the accounts. However, this verification did not include any evidence. IC System did not submit a copy of an agreement, did not show any identity verification used at the time of account creation, and did not provide any receipts, purchase information, or usage history. Their verification was simply a response through the automated XXXX system without supporting documentation. 

Because I did not receive any proof from IC System, and because the accounts do not belong to me, I submitted additional disputes. In each dispute, I repeated that I do not own these accounts, I did not authorize them, and I needed IC System to validate them. Despite this, IC System continued to confirm the accounts as accurate but never showed any evidence. 

A proper validation must include original documentation. IC System has not provided : A signed agreement or service contract A creditor invoice Any notices allegedly mailed to me Proof of mailing Authentication records Itemized balances The original creditors documentation Proof of assignment or ownership Any interaction between me and the alleged creditor Because none of these were provided, there is no proof that these accounts are mine. 

As the disputes continued with no validation, I grew concerned that my identity may have been used without permission or that my information may have been mixed with another consumers file. Because of this, I filed an FTC identity theft report. I explained that these XXXX IC System accounts do not belong to me and that IC System failed to provide proof. Under identity theft laws, furnishers like IC System must block reporting unless they can provide documented proof. They have not. 

Yet despite the identity theft report and despite IC Systems failure to produce documentation, the XXXX accountsXXXX and XXXXcontinue to appear on my credit reports. This is damaging and unfair, especially because I have repeatedly notified IC System and the credit bureaus that these accounts do not belong to me. 

IC System has not demonstrated that a reasonable investigation took place. A reasonable investigation requires more than reaffirming what they already have in their system. It requires examining original documents. It requires confirming identity. It requires analyzing whether fraud may have occurred. IC System has not shown any signs that they performed these steps. 

There are also inconsistencies with the information reported by IC System. The dates associated with the accounts do not match any timeline in my life. I have no record of any debts from the alleged original creditor, no record of services, no communications, no mail, no emails, and no billing cycles. The reported balances do not align with any known obligations. The placement dates appear arbitrary. If these were legitimate accounts, there would be a clear chain of documentation from the alleged original creditoryet IC System has provided none. 

Furthermore, IC System has not shown any proof they sent validation notices required under federal law. A debt collector must send a written notice within XXXX days of first communication that identifies the creditor, the amount owed, and the right to dispute. I never received any such notice. IC Systems inability to provide copies of these notices raises further concerns about accuracy and compliance. 

Additionally, IC System continued to update the accounts while I was disputing them. Furnishing ongoing derogatory updates without validation contributes to ongoing harm. Because I do not own these accounts, every update exacerbates the injury done to my credit file. 

The harm caused by IC Systems inaccurate reporting is significant. These XXXX accounts have lowered my credit score, created barriers to obtaining credit, and caused stress and uncertainty. When I attempted to apply for financing, I received denials that cited collection accounts as reasons. These denials occurred even though I do not own these accounts, and even though IC System has not shown any proof that I do. 

Because of the lack of documentation, the absence of validation, and the FTC identity theft report, the XXXX IC System accounts should not remain on my credit reports. The burden of proof lies with IC System. They must demonstrate that I am the correct consumer, not the other way around. If they can not validate the accounts, they should delete them. 

I also need to emphasize that I filed the FTC identity theft report specifically because IC System failed to validate the accounts. The report was not filed lightly ; it was filed because IC Systems behavior is consistent with identity theft or misidentification. When a consumer files such a report, federal protections are triggered, requiring the furnisher to : Block the information Provide documentation Conduct an enhanced reinvestigation Cease reporting unless they have proven ownership IC System has not complied with these requirements. 

I have acted in good faith at every step. I disputed the accounts properly. I requested documentation. I filed an FTC report. I opened this new CFPB case. IC System has not acted in good faith by continuing to report unverified accounts and refusing to provide proof that the debts belong to me. 

The fact remains that I do not own these accounts, and IC System has not provided evidence showing otherwise. Without documentation, their reporting is inaccurate and must be corrected by removal. 

At this point, the only fair and lawful outcome is for IC System to provide : Original documentation proving the accounts belong to me Proof of identity verification used at account creation Full itemized statements and account histories Proof of assignment from the original creditor Copies of all notices allegedly sent to me Evidence of a reasonable investigation Proof that identity theft protections were applied If IC System can not provide all of the above, then they must immediately : Delete both accounts ( XXXX and XXXX ) from all credit bureaus Cease all reporting activity Block any reinsertion unless full documentation is certified Because IC System has produced no documentation to date, deletion is the only fair resolution. 

IC System must also acknowledge and correct the harm caused by furnishing unverified information. They must update all credit bureaus at the same time to avoid mismatched or lingering derogatory entries. They must ensure that all inquiries or related reporting tied to these accounts are also removed. 

In summary : I do not own accounts XXXX or XXXX. 

I filed an FTC identity theft report because these accounts are not mine. 

IC System has not provided any proof showing that these accounts belong to me. 

IC System has not provided validation documents. 

IC System has not performed a reasonable investigation. 

IC Systems failures have caused harm to my credit. 

The accounts must be deleted unless validated with proper documentation. 

This CFPB case is being filed because IC System has failed to resolve the matter after disputes and after the FTC identity theft filing. I am requesting that the CFPB require IC System to provide documentation or delete the accounts immediately.

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