Debt collection -- Attempts to collect debt not owed -- Complaint #14626153
Complaint Overview
Complaint ID: 14626153
Company: I.C. System, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33160
Date Received: 2025-07-13T12:00:00-05:00
Date Sent to Company: 2025-07-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB COMPLAINT NARRATIVE Subject : Multiple FDCPA Violations by Unlicensed Debt Collector I am filing this complaint against I.C. System Inc. for multiple violations of the Fair Debt Collection Practices Act and state licensing requirements. VIOLATION SUMMARY : Operating without Florida license - Required under Florida Statutes Chapter 559 Failed to provide debt validation - Violated 15 U.S.C. 1692g Continued collection without validation - Ongoing FDCPA violations Credit reporting threats on invalidated debt - Additional violations DETAILED COMPLAINT : Initial Contact : I.C. System contacted me on XX/XX/year> claiming I owe {$470.00} to XXXX XXXX XXXX XXXX ( Account # XXXX ). Licensing Violation : I searched the Florida Office of Financial Regulation 's database and found NO registration for I.C. System Inc. Florida law requires ALL debt collectors to register before collecting consumer debts in Florida . This is a clear violation of Florida Statutes 559.553. Failed Debt Validation : I sent a proper debt validation request on XX/XX/year> demanding : Chain of title documentation Original contract/agreement Proof of legal authority to collect Florida registration proof Inadequate Response : On XX/XX/year>, I.C. System sent only computer printouts and billing history. They provided NO : Assignment agreements Original contracts Chain of title documentation Proof of Florida registration Continued Violations : Despite failing to validate the debt, they : Continue collection efforts Threaten credit reporting ( " weekly electronic file to credit reporting agencies '' ) Ignore licensing requirements Falsely claim they provided validation Financial Impact : Their unlawful collection activity has caused stress and potential credit damage for example most recent apartment denial.
Frequently Asked Questions
What is Complaint #14626153 about?
Complaint #14626153 was filed against I.C. System, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-07-13T12:00:00-05:00.
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 (Debt collection) 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.