Debt collection -- Took or threatened to take negative or legal action -- Complaint #5455181
Complaint Overview
Complaint ID: 5455181
Company: I.C. System, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Arkansas
ZIP Code: 72113
Date Received: 2022-04-16T12:00:00-05:00
Date Sent to Company: 2022-04-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against IC SYSTEM for committing identity theft. I have never given IC SYSTEM, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with IC SYSTEM and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving IC SYSTEM any right to collect on this alleged debt. I have never received any documentation requesting validation from IC SYSTEM, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If IC SYSTEM, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IC SYSTEM, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IC SYSTEM, continues its collection efforts, I will file for litigation for actual damages caused and I, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Frequently Asked Questions
What is Complaint #5455181 about?
Complaint #5455181 was filed against I.C. System, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-04-16T12:00:00-05:00.
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.