Debt collection -- Written notification about debt -- Complaint #4590662
Complaint Overview
Complaint ID: 4590662
Company: I.C. System, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Illinois
ZIP Code: 60453
Date Received: 2021-07-30T12:00:00-05:00
Date Sent to Company: 2021-07-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a letter ( dated XX/XX/2021 ) from IC System stating that I owed {$270.00} to XXXX, who is both the original and current creditor to whom the alleged debt is owed ( lanuguage from the letter that was sent ). I immediately sent out a debt validation letter by way of certified mail with return receipt ( tracking # XXXX with RR # XXXX ). I have attached copies of confirmation of certified mail receipt. I never received a response back. I have studied the FDCPA and it says under the FDCPA, the debt collector must respond if a consumer disputes the alleged debt in writing. I have attached the exact same letter that I sent to IC System detailing very specific documentation of the validation of the alleged debt. I sent a follow-up debt validation letter to IC System on XX/XX/2021. It was received XX/XX/2021. IC System then sent another debt collector notice with a COMPLETELY different amount ( {$370.00} ) stating that I now owed {$370.00} and they sent copies of a printed out bill as verification of the alleged debt. Under the FDCPA, a printed bill is not sufficient validation of an alleged debt. They did not provide the documentation I requested including a contract with my written signature and they PUT A NEGATIVE REMARK ON MY CREDIT FILE EVEN AFTER I EXPRESSED THEM NOT TO IN MY DEBT VALIDATION LETTERS. In the follow up debt validation letter I sent I pointed out that IC System, INC is NOT licensed to collect on debt in my state of residence. Under Illinois law, debt collectors have to be licensed with the Department of Financial and Professional Regulation.
Frequently Asked Questions
What is Complaint #4590662 about?
Complaint #4590662 was filed against I.C. System, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-07-30T12:00:00-05:00.
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.