I.C. System

I am filing this complaint against XXXX and their third-party collection agency, I.C. System, for the unlawful, inaccurate, and damaging reporting of a false debt on my credit profiles. Upon canceling my XXXX services, I successfully returned the XXXX XXXX box equipment to the company. Sometime later, XXXX mistakenly flagged my account with an unreturned equipment fee and sent the account to I.C. System XXXX contacted XXXX directly to resolve this system error. During that interaction, the XXXX representative audited the system, confirmed that the XXXX box had indeed been received and processed into their warehouse inventory, and explicitly stated that the issue was resolved and my balance was XXXX XXXX internally verifying that the equipment was returned and the balance cleared, they failed to halt their automated collections pipeline. As a result, I.C.…

Never received any validation regarding this debt. Such as emails, letters in the mail or phone calls.

I.C. System XXXX XXXX is illegally reporting XXXX collection accounts on my XXXX credit report for the exact same {$470.00} debt with XXXX. Furthermore, the underlying debt is nearly XXXX XXXX XXXX and exceeds the FCRA XXXX reporting limit. I have attempted online disputes, but automated verification systems repeatedly fail to correct this obvious duplicate/obsolete entry. Please enforce compliance and require removal of these invalid listings.

Subject : Request for Reinvestigation Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Center I am writing to formally dispute the I.C. System, Inc. collection account reporting on my XXXX credit report. The account is reporting an alleged balance of {$97.00}, with XXXX XXXX XXXX listed as the original creditor. I dispute the accuracy and completeness of this account and request that XXXX conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act. Pursuant to XXXX XXXX. XXXX, XXXX must conduct a reasonable reinvestigation of disputed information. Additionally, under XXXX XXXX. XXXX ( b ), consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information contained in consumer reports. Accordingly, I request that XXXX : XXXX a reasonable reinvestigation of this collection account. Require I.C. System, Inc.…

I am reporting identity theft because accounts and/or debts were reported under my name that I did not authorize or create. I discovered these unauthorized accounts when reviewing my financial records and credit information. I dispute responsibility for these accounts because they were opened or used without my knowledge or permission.

Account XXXX XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my credit report and cease all reporting. Or I will have to take legal action to the highest level. I shouldn't have to keep asking for proof and etc.

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.

I am writing to formally demand that XXXX. XXXX, XXXX immediately cease all collection activity related to the alleged account, including any continued reporting to the consumer reporting agencies. I dispute this account in its entirety and do not acknowledge any legal obligation for the alleged debt. The account is being inaccurately attributed to me, and XXXX. XXXX, XXXX has failed to provide competent evidence demonstrating that I have any contractual or legal liability for the alleged balance. To date, I have not been provided with a signed agreement, an original contract bearing my signature, or any other admissible documentation establishing that I entered into an agreement with either the original creditor or XXXX. XXXX, XXXX, or that XXXX. XXXX, XXXX has the legal authority to collect this debt. Additionally, this same alleged debt was previously reported by XXXX XXXX XXXX XXXX XXXX That collection account was ultimately deleted from my credit reports.…

Complainant : XXXX XXXX XXXX XXXX XXXX I.C. System, Inc. XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX Account Balance Reported : {$270.00} Complaint I am filing this complaint against I.C. System, Inc. regarding its collection and reporting of an alleged debt that has been reported to XXXX as a collection account. On or about XX/XX/year>, I.C. System reported a collection account with a balance of {$270.00}, causing a major derogatory mark on my credit report. My concerns are as follows : Lack of Proper Notice I did not receive adequate written notice before this account was reported to the credit bureaus. I was not provided a meaningful opportunity to resolve or dispute the alleged debt before it was placed in collections. Failure to Validate the Debt I dispute the validity of this alleged debt. I.C. System has not provided sufficient documentation proving : that I owe the debt, the amount is accurate, and that they have the legal authority to collect it.…

I have no idea what this is. I didn't even know XXXX was still around. I have have had XXXX for over a XXXX. I don't know who this is and why they are sending me to collections. Please removed or I will be forced to sue the company for wrongfully debt collecting.

" This collection agency is illegally re-aging a debt. The original utility service with XXXX ended permanently on XX/XX/XXXX. The agency has fraudulently updated the reporting date to XXXX to bypass the FCRA 7-year obsolete data limit. I have attached written confirmation from XXXX proving the XXXX service dates. I demand immediate deletion of this collection. ''

Am unaware of the debt. Never opened accounts that are being disputed.

I am disputing an inaccurate collection account on my credit report from I.C. SYSTEM, INC regarding an alleged debt from XXXX XXXX for {$180.00} that was charged in XXXX I never purchased or received the item being charged from XXXX XXXX. I previously submitted a dispute directly to the collector, which they ignored for two years without providing validation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). I.C. System, Inc. has now inaccurately reported this unverified, invalid debt to XXXX severely damaging my credit score. Because the service charged was never delivered and no valid contract exists, I demand that I.C. System, Inc. immediately validate the debt with strict proof of service delivery or completely delete this fraudulent collection line from all credit reporting agencies.

This debt does not belong to me. It belongs to a deceased family member who had the same name. I request that you investigate this matter and remove this account from my credit file unless you can provide documentation proving that I am legally responsible for this debt.

To Whom It May Concern, I am writing in response to your communication regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following information : The name and address of the original creditor. The amount of the alleged debt, including an itemization of any interest, fees, or other charges. Documentation showing that I am legally responsible for this debt. Documentation demonstrating that your agency has the authority to collect this debt. Until you provide the requested validation, I request that you cease collection efforts related to this account, except as permitted by applicable law. This letter is not an acknowledgment or acceptance of liability for the alleged debt, nor is it a promise to pay. I am exercising my rights under federal law to request verification before discussing or addressing this matter further.…

The collection agency I C SYSTEM reported a collection account in my credit report with an amount of {$260.00} allegedly related to the original creditor I C SYSTEM DATE OPENED APPEARS AS XX/XX/XXXX and ACCOUNT STATUS OPEN THEY JUST REPORTED ON XX/XX/XXXX to my credit report. I have never been contacted by I C SYSTEM or have I received any letter of validation of this debt before or after it was reported to my credit. Reporting a debt to the credit without sending notification or prior validation constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). I request that this account be removed immediately from my credit report or, failing that, that complete and adequate validation of the debt be provided, including proof that I was notified in accordance with the law and any I am requesting validation of the alleged debt you are reporting under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.…

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.

XXXX or binding contract. I never gave permission to open this account. i asked that this is not verified through a computer, my email was hack, my information was on the XXXXXXXX XXXX and also in a data breech. provide valid information that this is my account XXXX is at all time high. I keep sending letters and this remains on my reports.

disputing the accuracy of a collection account being reported by I.C. System for the original creditor, XXXX XXXX XXXX. On XX/XX/year>, I paid XXXX XXXX {$840.00} directly. The payment was processed and the funds were deducted from my bank account the same day. I have documentation confirming the payment. Despite this, I.C. System continued reporting an open collection account with a balance of {$840.00} and indicated that I had 100 % of the balance remaining to pay. I reviewed my credit reports after my payment expecting the information to be updated, but the account continued to report an outstanding balance. I dispute the accuracy of the information being furnished. I request that I.C. System conduct a reasonable investigation and provide documentation supporting : The accuracy of the reported balance and account status. The date my account was updated after payment. Their authority to continue furnishing this account after the debt was paid to the original creditor.…

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 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.

Im writing to file a complaint against I.C. 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

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 iXXXX XXXX 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.

On XX/XX/year>, while reviewing my XXXX credit report, I discovered a collection account reported by I.C. System, Inc. ( account number beginning XXXX ) in the amount of {$500.00}, listing XXXX as the original creditor and showing an open date of XX/XX/year>. This account is not mine. I have never had XXXX service in my name at any time, at any address. I did not open this account, did not authorize it, and received no goods or services connected to it. On XX/XX/year>, I filed FTC Identity Theft Report No. XXXX regarding this account. A copy is attached. I.C. System has never communicated with me about this alleged debt. I have received no validation notice, no letters, no phone calls nothing, at any time. By its own reporting, I.C. System opened this account on XX/XX/year> and has furnished it to XXXX continuously since, updating the balance as recently as XX/XX/year>.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX North Carolina IC SYSTEM INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : I C SYSTEM - XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} 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.…

I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the Fair obligation Collection Practices Act ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received.…

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 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.

Account AT & T # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX from my report as soon as possible or i will have to take legal action.

Approximately XXXX years ago I discovered a fraudulent XXXX XXXX account was opened in my name without my knowledge or consent. I immediately filed a police report with the XXXX and an FTC Identity Theft Report. I also disputed the account with XXXX. On XX/XX/year> I received a debt collection notice from I.C. System, Inc. attempting to collect {$10000.00} ( {$9200.00} original balance plus {$1600.00} in fees ) on behalf of XXXX XXXX for this same fraudulent account. I have since sent I.C. System, Inc. a written dispute letter via XXXX XXXX Mail disputing the debt in its entirety, along with copies of my FTC Identity Theft Report and NYPD police report, as required under XXXX XXXX XXXX and the XXXX. I am requesting that I.C. System, Inc. immediately cease all collection activity on this fraudulent account and confirm in writing that the debt has been closed and will not be reported to any credit bureau. ''