Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16585723
Complaint Overview
Complaint ID: 16585723
Company: I.C. System, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33033
Date Received: 2025-10-14T12:00:00-05:00
Date Sent to Company: 2025-10-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Summary : This complaint is filed under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding multiple XXXX XXXX, XXXX XXXX Collection, and XXXX XXXX XXXX have reported inaccurate, unvalidated, or duplicative rental-related as well as extortionate tradelines on my consumer reports. Despite formal written disputes and validation requests, these furnishers have continued to report the accounts without providing any legally required documentation such as a signed lease agreement, payment ledger, or consent authorization. This failure violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. Furnishing data without verification of tenant consent or the existence of a lawful lease constitutes negligent and willful non-compliance. Under 15 U.S.C. 1681i, the consumer reporting agencies were required to conduct a reasonable reinvestigation within XXXX ( XXXX ) days of dispute and to delete or correct any information that could not be verified. The continued appearance of these tradelines, without substantiation, demonstrates the failure of both the furnishers and the credit bureaus to meet their statutory duties. Furthermore, the data reflected on my report shows discrepancies in move-in and move-out dates, inflated balances, and possible duplicate XXXX a direct violation of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. These ongoing inaccuracies are causing measurable harm through credit denials and reputational damage.
Frequently Asked Questions
What is Complaint #16585723 about?
Complaint #16585723 was filed against I.C. System, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-10-14T12:00:00-05:00.
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.