Debt collection -- Communication tactics -- Complaint #16225254
Complaint Overview
Complaint ID: 16225254
Company: I.C. System, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Georgia
ZIP Code: 30296
Date Received: 2025-09-27T12:00:00-05:00
Date Sent to Company: 2025-09-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I discovered a {$560.00} XXXX debt on my credit report that was being collected by I.C. System Inc. In XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act and sent them a clear " refusal to pay '' notice via certified mail, which they received on XX/XX/year>. Under federal law, once a debt collector receives a refusal to pay notice, they can only send me very limited communications, basically just to tell me they're stopping collection efforts or to notify me of specific legal actions they might take. Instead, I.C. System violated the law by sending me contradictory and confusing communications. In XXXX, they sent me a letter claiming collection efforts were " terminated, '' but then immediately included standard debt collection language saying they were " attempting to collect a debt '' and provided unsolicited debt verification trying to get me to pay. They also falsely claimed I disputed the debt. They stated in their letter that " your dispute has been noted, '' when I never disputed anything. I simply refused to pay, which is completely different under the law. Lastly, I.C. System reported this false dispute information on my credit report. They reported to credit agencies that I had " disputed '' the account when I never did any such thing. They knew exactly what my refusal notice said and deliberately misrepresented it. I believe they intentionally mischaracterized my refusal as a " dispute '' to try to get around the legal restrictions and pressure me into paying. This has damaged my credit reputation and caused me significant stress and inconvenience.
Frequently Asked Questions
What is Complaint #16225254 about?
Complaint #16225254 was filed against I.C. System, INC. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-09-27T12:00:00-05:00.
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.