I.C. SYSTEM, INC.


If you believe a complaint deserves more attention hit the up arrow, or hit the down arrow if you find it less important.
"Products" offered by I.C. SYSTEM, INC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account - Checking account
Consumer Loan - Installment loan
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Mortgage - Conventional home mortgage
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Student loan - Federal student loan servicing
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 8131250

Date Received: 2024-01-09

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: IC systems collection account in the amount of {$750.00} and {$1000.00} There is also another one from XXXX XXXX XXXX for the amount of {$1600.00}

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MO

Zip: 63017

Submitted Via: Web

Date Sent: 2024-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 8131249

Date Received: 2024-01-09

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: I got a piece of mail from I.C System Inc. saying i owe XXXX dollars for a phone from XXXX XXXX that opened up in XXXX of last year which i don't go through that company.. I refuse to give them any info and they hang up on me

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IA

Zip: 52804

Submitted Via: Web

Date Sent: 2024-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 8130809

Date Received: 2024-01-09

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: AL

Zip: 36609

Submitted Via: Web

Date Sent: 2024-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 8130120

Date Received: 2024-01-09

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I have never had an account with this company XXXX XXXX. IC SYSTEM, INC. REMOVE from all credit agencies from reporting. 2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is according to 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. Code 1692a ( 3 ) You are IC SYSTEM, INC. the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. Code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts under 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ), ( 2 ), and ( 4 ) 6. According to 15 U.S. Code 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8. As mentioned in the 15 U.S. Code 1692f Unfair practices ( 8 ) 9. Under 1692g ( b ) the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter for any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply concerning information disclosed to any person related by common ownership or affiliated by corporate control, based on the above information, IC SYSTEM, INC. is in violation of the U.S. Code 1692 and 1681.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IA

Zip: 52246

Submitted Via: Web

Date Sent: 2024-01-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 8123199

Date Received: 2024-01-08

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness. I am highly requesting as a part of your investigation : Which Neighbor did personally interview? Which Friend did you personally interview? Which Associate did you personally interview? The name of the original creditor The creditors ' address and telephone number. The persons name they verified the dispute with The Valid documentation used to validate the dispute. Also, the procedures your company has in place to ensure maximum accuracy with my consumer report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 32818

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 8123023

Date Received: 2024-01-08

Issue: Written notification about debt

Subissue: Didn't receive notice of right to dispute

Consumer Complaint: This popped up on my credit info and I dont know who they are. I tried calling and got a generic rep that didnt help. I dont know if they were new. I told them I needed a written validation letter of who they are, who the bill is owed to with my signature acknowledging everything and have yet to get anything. Its been at least 3 months since last communication.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: WA

Zip: 98103

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 8120947

Date Received: 2024-01-08

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I did not authorize any hospital to release my personal information to a third party collection agency. This is a HIPAA Law violation. This account is also reporting inaccurately, which is not under FCRA compliance.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TX

Zip: 78577

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 8120325

Date Received: 2024-01-07

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: Collection company IC System , Inc. violated two of my consumer rights when they reported a fraudulent collections account to all 3 credit bureaus causing my excellent credit score to drop significantly. IC System XXXX Inc. Collection letter was received on XX/XX/XXXX on behalf of XXXX for {$9800.00}. I sent a dispute letter and on that letter also requested debt validation and details of the account- i.e. when it was created, when it was sent to collections, and an itemized bill for the amount of {$9800.00}. On my dispute letter I also mentioned that I believed the account was a result of ID theft and that I had placed a fraud alert and a freeze with all XXXX credit bureaus. The letter was mailed to IC Systems XXXX IncXXXX on XX/XX/XXXX via certified mail with green card receipt. Also, on XX/XX/XXXX, I placed a Fraud Alert and a freeze on XXXX, XXXX and XXXX on that same phone call I reported to each credit bureau of a fraudulent collections account from XXXX for {$9800.00} and that this was not my debt and also told them I had sent a dispute letter to the collection agency. Collections account was still not showing in all XXXX credit bureaus. I also called my bank and credit cards to alert them of the possible fraud and/or identity theft. On XX/XX/XXXX XXXX and XXXX showed the fraudulent collections account and there was no note that account is under dispute due to fraud. XXXX and XXXX show that the collections account was reported on XX/XX/XXXX. Then on XX/XX/XXXX the fraudulent collections account appeared on XXXX. All 3 of my excellent scores have dropped between XXXX to XXXX points! IC. System , Inc. collection agency violated my rights twice : first, they reported the fraudulent account to the 3 credit bureaus during my 30 day dispute window that ends XX/XX/XXXX and secondly, by not including a note that the account is under dispute due to fraud. I am also yet to receive the documents I requested from the IC System , Inc.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 344XX

Submitted Via: Web

Date Sent: 2024-01-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 8120193

Date Received: 2024-01-07

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I C Systems Collections for committing identity theft. On XX/XX/. I checked my credit and seen that an account reporting that I never opened or authorized was reporting negatively. I have never given IC SYSTEMS COLLECTIONS yet alone XXXX XXXX. I have never opened any accounts with I C SYSTEMS COLLECTIONS or XXXX XXXX. I never gave ANY permission to use any of my identifying information to commit fraud. Until I C SYSTEMS or XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent negative open account from my credit file, if this documentary evidence can not be produced and I C SYSTEMS COLLECTIONS continues to report this unauthorized account. I will file for litigation for actual damages caused andI C SYSTEMS COLLECTIONS will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. I C SYSTEMS COLLECTIONS is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at. 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. Account # XXXX.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 30213

Submitted Via: Web

Date Sent: 2024-01-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Complaint ID: 8119853

Date Received: 2024-01-07

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have a collections from i.c solutions from XXXX XXXX XXXX that does not belong to me. I have not been to a vet.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: OH

Zip: 43035

Submitted Via: Web

Date Sent: 2024-01-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


Want more visibility for this complaint, upvote it. Less, downvote it. :)
Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.