Debt collection -- Attempts to collect debt not owed -- Complaint #19161271
Debt Collector Pursues Incorrect Debt
Complaint Overview
Complaint ID: 19161271
Company: I.C. System, INC.
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Tennessee
ZIP Code: 37207
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because while the debt may not be owed by the consumer, the collection agency might have a basis for their claim or could have made a clerical error, requiring further investigation.
Consumer Sentiment: neutral
Topics: Debt collection, Incorrect debt, Consumer rights
AI Analysis
CFPB complaint 19161271 was filed against I.C. System, Inc. regarding Debt collection (Telecommunications debt), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against I.C. System, Inc. for attempting to collect a debt that was not theirs, specifically related to telecommunications debt. The complaint was received on January 31, 2026 from Tennessee. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should dispute any debt they do not recognize in writing and request validation from the debt collector.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed.
Regulatory Insight
This case highlights the importance of accurate record-keeping and verification by debt collection agencies to avoid pursuing debts from the wrong individuals.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Tennessee, and state laws may also provide protections for consumers against unfair debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where errors in identifying the correct debtor can lead to disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19161271 about?
CFPB complaint 19161271 involves Debt collection (Telecommunications debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against I.C. System, Inc. on January 31, 2026.
Which company is complaint 19161271 filed against?
Complaint 19161271 was filed against I.C. System, Inc.. You can view all complaints against this company on their profile page at /company/i-c-system-inc.
What was the company's response to complaint 19161271?
I.C. System, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19161271 filed?
Complaint 19161271 was received by the CFPB on January 31, 2026. It was sent to I.C. System, Inc. on February 1, 2026.
What state was complaint 19161271 filed from?
Complaint 19161271 was filed from Tennessee. You can view all complaints from this state at /state/TN.
Was the consumer satisfied with the resolution of complaint 19161271?
Dispute information is not available for complaint 19161271.
What product category is complaint 19161271 about?
Complaint 19161271 is categorized under "Debt collection", specifically "Telecommunications debt". This is one of the product categories tracked by the CFPB.
How was complaint 19161271 submitted?
Complaint 19161271 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 19161271?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed. This relates to a Debt collection complaint against I.C. System, Inc. involving "Attempts to collect debt not owed".
How likely is complaint 19161271 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19161271?
This complaint is rated as medium risk. The risk is medium because while the debt may not be owed by the consumer, the collection agency might have a basis for their claim or could have made a clerical error, requiring further investigation.
What regulatory actions apply to complaint 19161271?
This case highlights the importance of accurate record-keeping and verification by debt collection agencies to avoid pursuing debts from the wrong individuals. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 19161271?
Consumers should dispute any debt they do not recognize in writing and request validation from the debt collector.
Are there state-specific protections for complaint 19161271?
The complaint originated in Tennessee, and state laws may also provide protections for consumers against unfair debt collection practices. This complaint was filed from Tennessee.
How does complaint 19161271 compare to industry norms?
This is a common issue in the debt collection industry, where errors in identifying the correct debtor can lead to disputes.
What steps should a consumer take if they receive a collection notice for a debt they don't owe?
The consumer should immediately send a written dispute letter to the debt collector requesting debt validation and cease communication until validation is provided.
What are the potential consequences for a debt collector who pursues a debt not owed by the consumer?
Debt collectors can face legal action and penalties under the FDCPA if they are found to be engaging in unfair or deceptive practices, such as collecting a debt that is not owed.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.