Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX as a federally protected consumer filing this 3rd compliant against XXXX and it's subsidiaries for several violations of my personal and consumer rights. XXXX has violated the Privacy Act of 1974, Uniform Consumer Credit Codes, Fair Debt Collections Practices, Fair Credit Reporting Acts, Truth in Lending Act, Security and Exchange Commission violations and Federal Trade Commission violations as well as CFPB violations.

I originally disputed these things on what is called a consumer credit report under XXXX on XX/XX/XXXX through this website, then I also disputed a second time via certified mail in letter form per the United States Postal Rule about the things that are reported and sold by XXXX on their reporting to no avail! Now here I am a 3rd time trying to get through to this agency via CFPB to correct their errors in regards to my name and social security number/accounting.

Here is the accounts that I am disputing as well as the adverse actions that caused harm to me and my families well-being because of their inaccuracies and practices of reporting. 

IC Systems Acct # XXXX {$950.00} Collections/Charge-off/Late payments XXXX XXXX XXXX Acct # XXXX {$1100.00} Collections/Charge-off/Derogatory XXXX I have during all 3 times of disputing these things have asked via phone on XX/XX/XXXX and the letters sent XX/XX/XXXX as well as during the CFPB complaints XX/XX/XXXX asked that all old non-mailable addresses, phone numbers, employers, different variations of my name, hard/soft inquiries and any other information in regards to myself be removed immediately to no avail as well. 

The federal violations that I am using to dispute this report and my business and personal information and identity are stated below! 

Uniform Consumer Credit Code violations.

Negligent Enablement of Identity Fraud/ Federal Trade Commission ( FTC ).

Violation of Privacy Act of 1974.

Violation of 16 CFR 441.1 Removal of non-mailable addresses.

Violation of 15 USC 1681b Permissible Purposes.

Violation of 15 USC 1681 sect 602-604 Rights to privacy.

Violation of 15 USC 1681 Willful noncompliance-616.

Violation of 15 USC 1681 Civil liability.

Defamation of Character ( Per Se ' ).

Violation of 15 USC 1692g Fair Debt Collection Practices.

Violation of 15 USC 1681e Provide maximum possible accuracy/Compliance procedures.

Violation of 15 USC 1681 m Requirements on users of consumer reports. 
Violation of 15 USC 6803 Disclosure of institution privacy policy.

Violation of 15 6809 ( 4 ) Nonpublic personal information.

Violation of 16 CFR 313.1 Purpose and scope.

Violation of CFR 313.4 Initial privacy notice to consumers required.

Violation of CFR 313.6 Information to be included in privacy notices.

Violation of USC 15 1611 Criminal liabilty for willful and knowing violations.

Violation of USC 15 1666b Late payments should not be reported on open end consumer reports as well as past due balances.

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