Debt collection -- Attempts to collect debt not owed -- Complaint #20020514
Complaint Overview
Complaint ID: 20020514
Company: I.C. System, INC.
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Florida
ZIP Code: 32225
Date Received: 2026-03-05T12:00:00-05:00
Date Sent to Company: 2026-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am formally disputing the above referenced collection account currently appearing on my consumer credit file. I do not recognize this account as being accurately reported and I dispute the completeness, accuracy, and validity of the information being furnished. BASIS OF DISPUTE 1. Inconsistent Reporting Across Credit Bureaus 15 U.S.C. 1681e ( b ) This account is reported inconsistently between consumer reporting agencies. Examples include : Different account classifications ( Installment vs Other ) Different loan type descriptors Different terms reported ( XXXX vs XXXX ) Different reporting structures between bureaus An account can not be considered verified if materially different information is being reported across credit reporting agencies. These inconsistencies demonstrate a failure to follow reasonable procedures to assure maximum possible accuracy. 2. Improper Account Classification The tradeline is being reported as : Installment account Collection attorney account Unknown loan type These classifications conflict with each other and fail to clearly identify the nature of the alleged obligation. Misclassification of an account type may mislead potential creditors reviewing the consumer file. 3. Incomplete Furnisher Identification The tradeline identifies the original creditor as XXXX XXXX XXXX. This is not a complete or standardized identification of the alleged creditor. Without proper identification and documentation, the reporting can not be considered fully verified. 4. Failure to Conduct Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) A lawful reinvestigation requires more than automated confirmation. Verification must include : Original account documentation Proof of consumer responsibility Documentation supporting the balance and reporting history Confirmation of the date of first delinquency To date, no such documentation has been provided.
Frequently Asked Questions
What is Complaint #20020514 about?
Complaint #20020514 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 2026-03-05T12:00:00-05:00.
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.