Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I am submitting this complaint against IC System for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and XXXX  CXXXXe XXXX ( a ) ( XXXX ). 

On XXXX I sent the collection agency a conditional offer of acceptance via mail in response to their collection efforts and credit reporting of an alleged debt. My letter included a lawful request for validation of the debt and outlined specific conditions under which I would be willing to resolve the matter upon receipt of proper documentation. 

Specifically, I requested the following : A copy of the original signed agreement or contract that includes my wet ink signature, proving I have a legal obligation to pay the alleged debt. 

A complete and documented chain of title from the original creditor to the collection agency showing the legal transfer of the right to collect the debt. 

A complete breakdown of the amount claimed as owed, including principal, interest, fees, and how each was calculated. 

Proof of legal authority to collect debts in the state of Arkansas, including licensing or registration as a debt collector if required by Arkansas law. 

A copy of any written agreement or contract between myself and the original creditor where I agreed to pay the alleged debt under the claimed terms. 

As of today, XXXX, the collection agency has failed to provide the requested documentation or adequate validation but continues to : Report the alleged debt to credit bureaus, thereby harming my credit profile. 

Send collection notices and make collection calls, attempting to pressure payment without validating the debt. 

These actions constitute : A deceptive and unconscionable trade practice under XXXX CXXXXe XXXX ( a ) ( XXXX ) by asserting a legal right to collect without proper documentation. 

A violation of 15 U.S. CXXXXe XXXX ( b ) of the FDCPA, which prohibits continued collection without validation of debt upon written dispute. 

A violation of 15 U.S. CXXXXe XXXX ( b ) of the FCRA, which requires a furnisher to properly investigate disputed information and cease reporting inaccurate or unverified debt. 

Relief Requested : I am requesting that the CFPB : Investigate the collection agency for failure to validate the debt before continuing collection and credit reporting. 

Require the collection agency to cease all collection activities and remove the negative credit reporting until proper validation is provided. 

Determine whether the agency is in violation of Arkansas debt collection and consumer protection laws. 

Impose any appropriate enforcement action or penalties. 

Please find attached a copy of my original dispute letter/conditional offer of acceptance.

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