I.C. System

XXXX failure to investigate and Willful Violation of ( XXXX ) Rubberstamps disputes without reviewing documentation ( XXXX ) Fails to notify furnishers within XXXX business days ( XXXX ) Re-inserts deleted items without notifying the consumer Regarding : I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to investigate when same account was deleted from other credit bureau for same reason : XX/XX/XXXX received alert regarding credit score and secured access to XXXX online account to file a dispute. XX/XX/XXXX credit report alert score increased XXXX points after dispute resolution finding of account removed. XX/XX/XXXX report alert of credit score dropped XXXX points due to reinsertation of same claim and amount previously disputed reappears on credit report.…

I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

a collection account ( Account # XXXX ) was placed on my credit report by IC System on behalf of XXXX XXXX XXXX, reporting to both Experian and TransUnion. I discovered this collection in XX/XX/year>. I do not own a pet and have never had any account, contract, or financial relationship with XXXX XXXX XXXX. This debt does not belong to me. I sent IC System a written request for validation of this debt, including a request for documentation proving the account belongs to me. As of the date of this complaint, IC System has not responded to my request or provided any validation of the debt. Despite failing to validate this debt or respond to my dispute, IC System has continued to report this collection account on my Experian and TransUnion credit reports, which has negatively impacted my credit standing.…

I am disputing a collection account for {$7300.00} that IC System opened on XX/XX/XXXX for an alleged debt to XXXX XXXX XXXX XXXX. I previously had a basic virtual mailbox account with Mailbox Forwarding at a Florida address while living abroad from late XXXX to late XXXX. After I moved back to the U.S., I updated my mailing addresses with the senders who had used that Florida address and no longer relied on that service for regular mail. I still had the service after then due to auto-billing. I keep all billing emails and in XX/XX/XXXX, XXXX XXXX emailed me that if I did not update my billing information within 60 days we will have to close your account. That email created an expectation that unresolved billing issues would cause service to stop relatively quickly. I have since been informed by IC System that XXXX XXXX autocharged my XXXX XXXX card until some point in XXXX, when a charge declined. These claims are too long ago to check XXXX bills online for XXXX.…

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

Im writing to file a complaint against IC System Inc for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/XXXX Re : Request for Debt Validation Collection Agency : IC SYSTEM Amount : {$3200.00} Opened : XX/XX/XXXX To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. I dispute this alleged debt and request validation pursuant to 15 U.S.C. 1692g. Please provide : ( 1 ) the original creditor ; ( 2 ) the account number ; ( 3 ) an itemized balance ; ( 4 ) copies of documents showing I am legally responsible ; ( 5 ) proof you are authorized to collect ; and ( 6 ) the date of last payment and delinquency. Until validation is provided, cease collection activity and mark the account as disputed. If you can not validate the debt, remove any inaccurate reporting to the consumer reporting agencies. Sincerely XXXX XXXX

Re : Request for Debt Validation To Whom It May Concern, I am writing regarding the account referenced on my credit report. I do not recognize this alleged debt and am requesting validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : - The name and address of the original creditor - The original account number - Documentation showing I am legally responsible for this debt - An itemized breakdown of the amount claimed - Copies of any agreement, contract, or records bearing my signature - Proof that your agency is authorized to collect on this account Until proper validation is provided, I request that collection activity cease and that this account not be reported inaccurately to any credit reporting agency. Please respond in writing to the address listed above. Sincerely, XXXX XXXX

I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I.C. Systems Inc has FALSELY reported a debt to my credit report on the behalf XXXX XXXX XXXX XXXX. I have NEVER had any products for XXXX XXXX XXXX. I have never stepped foot into a XXXX XXXX XXXX store. I have sent a request for the debt validation multiple times yet the company has ignored XXXX and even the XXXX! I demand this collection be removed from my account.

* * Complaint Against XXXX and IC System * * I am submitting this complaint because XXXX continues to report an inaccurate collection account after I disputed the information. The account being reported is as follows : * * * Collection Agency : * * IC System * * * Account Number : * * Ending in XXXX XXXX XXXX XXXX XXXX Balance : * * {$380.00} * * * Date Assigned : * * XX/XX/XXXX * * * Date Reported : * * XX/XX/XXXX * * * Date of First Delinquency : * * XX/XX/XXXX This account does not belong to me. The alleged debt is for a cable account associated with an address where I do not live. Since the reported Date of First Delinquency is XX/XX/XXXX, it is impossible for me to have incurred this debt at that address when I've been living at my current address for 10 yrs. I disputed the account with XXXX and requested a reasonable reinvestigation under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *.…

IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I recently received a letter from a company called I.C. Systems Inc. attempting to collect a {$950.00} debt on behalf of XXXX XXXX XXXX. This debt is not mine nor have I ever utilized any services from XXXX XXXX XXXX. This is second debt collection company that has attempted to collect this debt on the behalf of XXXX XXXX XXXX. I previously submitted a complaint to the CFPB regarding the first company which resulted in the negative item being removed from my XXXX reports. Also worth mentioning that utilities at any dwellings I resided in the last twenty-six years were billed through third party companies.

I am a confirmed victim of identity theft with an official FTC Report, IC3 notice, and Police Report. I mailed full federal proof of identity theft to IC System two weeks ago. Despite this, they are continuing collection activities, reporting a XXXX account that was compromised due to ongoing fraudulent activity, and masking it by blocking my automated dispute rights. They must cease and desist and delete this immediately.

I am filing this complaint against IC System Inc. regarding an alleged XXXX debt with an account number ending in XXXX and an alleged balance of {$570.00} that is currently reporting on my XXXX credit report only. It does not appear on my XXXX or XXXX reports. On XX/XX/year> I sent IC System a certified letter requesting verification of this debt and offering to pay the balance in full in exchange for deletion of the tradeline. IC System responded on XX/XX/year> stating they could not identify my account without further information. On XX/XX/year> I sent a second certified letter to IC System providing my full name, current address, the original creditor name XXXX, the account number ending in XXXX exactly as it appears on my XXXX credit report, the alleged balance, and a printed copy of the XXXX credit report page showing this account as reported by IC System. Both letters were sent certified mail with return receipt requested.…

I am filing a complaint regarding a collection account that appears on my credit report. Collection Account Information : * Creditor/Collector : I C SYSTEM * Balance : {$500.00} * Date Opened : XX/XX/year> * Status : Open * Remarks : Placed for Collection I am disputing the accuracy and validity of this account. I do not believe this account has been properly verified as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that I C SYSTEM and the credit reporting agencies provide : 1. Documentation proving I am legally responsible for this debt. 2. A copy of the original signed agreement or contract creating the obligation. 3. A complete payment history and accounting of the alleged balance. 4. Documentation showing that I C SYSTEM has legal authority to collect this debt. 5. The date of first delinquency and all records supporting the reporting of this account.…

I am submitting this written request to dispute and request validation of the alleged debts currently being reported or collected under my name. At this time, I do not have account numbers available. Please identify any accounts using my name and address and the reference information below. Reference Information as shown on credit reporting : I.C System, INC Reported Balance : {$320.00} Opened XXXX XXXX XXXX XXXX

I am submitting this written request to dispute and request validation of the alleged debts currently being reported or collected under my name. At this time, I do not have account numbers available. Please identify any accounts using my name and address and the reference information below. Reference Information as shown on credit reporting : I C SYSTEMS COLLECTIONS Reported Balance : {$700.00} Opened XX/XX/year> I have reached out with no luck of getting Original signed documents.

COMPLAINT NARRATIVE I am disputing a {$130.00} collection account that has been repeatedly placed on my credit report by a series of debt XXXX on behalf of XXXX XXXX XXXX ( original creditor : XXXX XXXX ), for equipment that I returned and that XXXX XXXX XXXX confirmed receiving. BACKGROUND In XXXX I returned XXXX XXXX XXXX XXXX equipment as instructed. XXXX XXXX XXXX sent me a written confirmation that the returned equipment was received, identifying it by make, model, and serial number ( XXXX XXXX, Serial XXXX XXXXXXXX ). Because the equipment was returned and confirmed received, no equipment balance is owed. I have documentation of XXXX XXXX XXXX 's confirmation of receipt and can provide it on request. Despite this, XXXX XXXX XXXX has repeatedly placed a {$130.00} charge for this account with debt XXXX, who have reported it to my credit file.…

This debt for {$150.00} IC Systems Collections is not valid. Not mine. Fraud

I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> IC SYSTEM INC [ Insert their address from your credit report ] RE : CEASE AND DESIST ACCOUNT # XXXX TO IC SYSTEM INC : This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). Pursuant to 15 U.S.C. 1692c ( c ), you are hereby ordered to CEASE AND DESIST all communications with me regarding the above-referenced account. This includes, but is not limited to : Phone calls ( live or automated ) Letters and emails Text messages Any other form of contact Any further communication from you, other than to confirm receipt of this letter or to notify me of a specific legal action you intend to take, will be considered harassment and a violation of federal law. -- - VIOLATION OF 15 U.S.C. 6802 ( GRAMM-LEACH-BLILEY ACT ) : Under 15 U.S.C.…

i come to notice a third party debt collector have reported a fraudulent account to my consumer report, i have reached out to this company which is I.C. System INC and requested signed contracts between me and them, and also to inform them that this account was opened fraudulently as i am a fraud victim, this company haven't given me the option to opt out which is mandatory according to law, this company I.C. SYSTEM INC also doesn't have any paperwork showing that i have given anyone consent to share or sell my information with any third party companies nor any company with no valid signed contract, so this company have committed several FCRA violations as well as XXXX compliance rules violations ACCOUNT NUMBER : XXXX

b"i recently got reported for money owed for XXXX XXXX, i dispute it as i dont have XXXX XXXX and XXXX both took it off but XXXX did not. I then call IC systems and ask for proof spoke with XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX and she said she will send me proof via email, and mail. I have received neither and it's been 2 months. According to them, they said that i fail to return a modem back in XXXX. Back in XXXX i was not living in california, i was in florida. I never got any call, any email, any mail about owed anything to anyone in XXXX for the whole year. I do go back to california every 4 months for family and to get my mail, but no mail ever recieved for anything owed at all. I tried to sue them but apparently they are not even register to operate as a collection agency in the state of california, so that's 100% illegal to begin with. They dont even have a registra agent so i can't even sue them. So that's illegal secondly.…

Date attempted to collect : XX/XX/XXXX Amount : {$1600.00} Date discovered : XX/XX/XXXX I have no idea what this account is, the collections agency IC SYSTEM told me this is something they have never seen before and has not gotten a response from the company XXXX who sent me to collections. I tried to dispute XXXX with the collections agency and XXXX with Experian ( the only active credit bureau showing the alert ) - I submitted FTC report and sent to Experian and showed it was disputed with Collections Agency and the collections agency continues to validate the charge so it remains on my credit score. Last attempt to solve with Experian was XX/XX/XXXX. Collections agency never sent any mail to me with any information about the collections noticed I simply found out after checking my credit score.

IC System, Inc. contacted me by text message on or about XX/XX/year> regarding an alleged XXXX debt, account reference # XXXX. I replied STOP to opt out of text communication and sent IC System a written dispute and debt validation request. USPS tracking confirms that IC System received my written dispute and validation request on XX/XX/year> at XXXXXXXX XXXX The tracking number is XXXX. During a later phone call, IC System acknowledged that it received my letter, acknowledged that it forwarded the dispute to XXXX, and stated that XXXX response could take 30 to 60 days. IC System also stated that it had not yet heard back from XXXX. Despite receiving my written dispute and despite admitting that it was still waiting on XXXX, IC System furnished or continued furnishing this collection account to the consumer reporting agencies. I believe this violated the Fair Debt Collection Practices Act because 15 U.S.C.…