Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11994977
Complaint Overview
Complaint ID: 11994977
Company: I.C. System, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: North Carolina
ZIP Code: 27610
Date Received: 2025-02-07T12:00:00-05:00
Date Sent to Company: 2025-02-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
It looks like you want to dispute a debt listed by IC System on your credit report. Heres a sample dispute letter you can use : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] IC System, Inc. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Debt Validation Request Account # [ Your Account Number ] Dear IC System, I am writing to formally dispute the validity of the debt listed under my name on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I request a full validation of this debt, including : 1. Proof that I owe this debt, including a copy of the original signed agreement or contract. 2. A full breakdown of the amount owed, including principal, interest, fees, and payments made. 3. Verification that IC System has the legal authority to collect this debt. 4. The name and contact information of the original creditor. Until I receive proper validation, I request that this account be marked as disputed on my credit report. Additionally, if IC System can not validate this debt, I request its removal from all credit reporting agencies. Please provide this documentation within 30 days of receiving this letter. If you fail to provide proper validation, I will pursue my rights under the FDCPA and Fair Credit Reporting Act ( FCRA ), including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state authorities. Please respond in writing to the address listed above. Sincerely, [ Your Name ] Make sure to send this letter via certified mail with a return receipt for proof. Let me know if you need modifications!
Frequently Asked Questions
What is Complaint #11994977 about?
Complaint #11994977 was filed against I.C. System, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-02-07T12:00:00-05:00.
How did I.C. System, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against I.C. System, INC.?
Yes, visit the I.C. System, INC. company profile at readthecomplaint.com/company/i-c-system-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.