Debt collection -- Attempts to collect debt not owed -- Complaint #5518676

Complaint Overview

Complaint ID: 5518676

Company: I.C. System, INC.

Product: Debt collection

Sub-Product: I do not know

Issue: Attempts to collect debt not owed

Sub-Issue: Debt was result of identity theft

State: Florida

ZIP Code: 33321

Date Received: 2022-04-29T12:00:00-05:00

Date Sent to Company: 2022-04-29T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I.C. System, Inc has an alleged debt claim against me in the amount of {$200.00}. The Reference Number for this alleged debt is XXXX. Furthermore they have reported this alleged debt to the Credit Bureaus XXXX XXXX ) under account # XXXX. As of yesterday, XX/XX/XXXX, I have sent them a total of XXXX Debt Validation Letters through the United States XXXX XXXX, and spoke to their Supervisor XXXX XXXX on the phone to no avail. They have failed to removed this alleged debt off their records and continue to report me to the credit bureaus. As of today, XX/XX/XXXX, I have mailed them yet another debt validation letter through the post office. I've also emailed the following I.C. System Inc, employees about this alleged debt with copies of my debt validation letter and an identity theft report from the FTC. They include : XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX of XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - Operations Supervisor, XXXX XXXX - Operations Supervisor, XXXX XXXX - Operations Supervisor, XXXX XXXX - Senior Vice President of Business Development, XXXX XXXX - XXXX XXXX. Under the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to protect my rights with accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I.C. Systems has failed to do this. They've also neglected to call me on my phone, email me, speak to me in person, or mail me notice of this alleged debt to my current address, or my previous address as well. Had they done so under the FCRA guidelines, I'd have responded sooner to this alleged fraudulent debt. I.C. System, Inc has violated my rights repeatedly and with impunity over a debt that is not mine. They claim the debt was incurred at an address I never lived at. I.C. System has also been complicit in lying about the validation of this debt to consumer reporting agencies like XXXX. Since XXXX, XXXX I have mailed XXXX dispute letters to XXXX, along with filing disputes online with the agency and over the phone. Every dispute ends the same way. XXXX claims that I.C. System provided them with proof that I owe this debt, yet neither company has ever released that information to me. I.C. System and XXXX are violating my rights under section 609 of the Fair Credit Reporting Act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. There is obviously some type of fraud going on with I.C. System and I request an investigation into this right away. I have uploaded a copy of the 3rd letter sent to I.C. System along with a copy of my Identity theft report filed with the FTC. I ask that XXXX and I.C. System provide me with verifiable proof of this fraudulent debt so that I may continue to pursue my legal case against both companies if this matter is not resolved in a timely fashion. I.C. System can not hide from me anymore. What they are doing to me is a testament to the unscrupulous practices being implemented at that company.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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