Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX The Consumer was notified via the XXXX Consumer Reporting Agency that I C SYSTEM INC had reported a collections account with the alleged debt of $ {$2600.00} - The Consumer has never received ANY notice or any form of written or verbal communication from I C SYSTEM INC- Which is a direct violation of The Fair Debt Collection Practices Act 15 U.S.C 1692 809. VALIDATION of DEBTS ( a ) Notice of debt ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Per The FCRA and as the Federally protected consumer, the above mentioned consumer who is known as XXXX XXXX hereinafter The Consumer After the unanswered request of any written binding agreement between The Consumer and I C SYSTEM INC and the information of who has provided your company with The Consumers NON PUBLIC INFORMATION -does opt out and is now opting out of any and all previous and previously presumed and or implied authorization that The Consumer may have provided be it written and or unwritten and verbal and or nonverbal and directly and or indirectly to share any of The Consumers NONPUBLIC INFORMATION EFFECTIVE IMMEDIATELY AND INDEFINITELY per 15 U.S.C 6802- Nonpublic personal information includes any list of individuals ' names and street addresses that is derived in whole or in part using personally identifiable financial information that is not publicly available such as account numbers. 16 CFR 313.3 And For the Record The Consumer does not now have nor has he ever had any contractual obligation to your company as The Consumer has never signed any contract with you nor given nor does he now give you consent to possess nor furnish any private information that does belong to The Consumer- Per The Privacy Act of 1974 552a. Records maintained on individuals ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains- 15 U.S.C. 16812f 808. Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt- the following conduct is a violation of this section : ( 1 ) The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and C the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Furthermore- The Consumer does prohibit your company from transference of this account to another debt collector- Furthermore your company has 30 days to update my request and to cease the furnishing any of The Consumers NONPUBLIC INFORMATION and cease & desist all communication unless it pertains to resolution of this matter that is the revision of this request or the issuance of compensation by lawful funds- to the postal code that is listed above- If your company does not adhere to this notice The Consumer will be forced to seek equitable remedy for the infringement of unalienable rights- The Consumer does also demand that your company does not have an attorney or any individual that does act as such to contact The Consumer as that will be a violation of 15 USC 1692e ( 3 ) which states " The false representation or implication that any individual is an attorney or that any communication is from an attorney '' - FOR THE FACTS THAT In or around XXXX of the year XXXX XXXX XXXX XXXX The Consumers Consumer Report began to reflect the collections account from the Corporation at question that is I C SYSTEM INC that does infringe on The Consumers right to privacy- FOR THE FACTS THAT I C SYSTEM INC has made themselves unreachable via telephone therefore The Consumer has requested the help and authority of the CFPB- And as the result of I C SYSTEM INC s ignorance of The Consumers inalienable rights- The Consumer has experienced discrimination and pain and suffering due to the humiliation from the lack of basic needs that The Consumer was unable to obtain and retain because of the appearance of credit unworthiness on The Consumers Consumer Report- Also See 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt And ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

communication ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 


If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


THEREFORE The Consumer does demand your company and its partners and affiliates to delete this account from any and all Consumer Reports and or credit reports in relation to The Consumer with all of the Consumer and or credit reporting agencies within 30 days upon receipt or a check for {$10000.00} in lawful funds for the infringement of The Consumer 's right within XXXX business days

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 non-monetary relief