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Common Complaints about IC System
Based on the customer reviews on the Better Business Bureau (BBB) website, some common complaints about IC Systems include:
- Harassment: Some customers allege that IC System engages in harassing and abusive collection tactics, including calling multiple times a day, calling at odd hours, sending multiple collection letters the same day, and using threatening language.
- Billing disputes: Some customers report that they were contacted by IC System about debts that they do not owe or that have already been paid.
- Lack of communication: Some customers have stated that IC System did not provide adequate information about the debt or did not respond to their inquiries and requests for information.
- Negative impact on credit score: Some customers have reported that their credit scores were negatively affected by IC System’s reporting of delinquent accounts.
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How to stop IC Systems from contacting you
If you are contacted by IC Systems or any other debt collection agency about a false or inaccurate account or debt, it is important to exercise your right to dispute it. You can send a cease and desist letter if you are sure you want to stop the collection calls. You can also dispute any incorrect listings of IC System reporting in your credit reports. All debt collectors are required to follow the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) to ensure that you are treated fairly.
Under the FDCPA, debt collectors like IC Systems are prohibited from engaging in harassing behaviors, such as using threatening or abusive language, making threats of violence or physical harm, repeatedly contacting you at inconvenient times, providing false or misleading information, threatening arrest, or engaging in any willfully deceptive practices.
Under the FCRA, creditors and debt collectors are prohibited from reporting inaccurate debt report information. They are also required to delete any credit reporting that is false, deceptive, or otherwise incorrect. Unlike the myth pushed by credit repair companies, debt collectors are not required to delete accurate information.
Is IC System a legitimate company?
According to its website, IC System is a legitimate collection agency that has been in operation since 1938. It is a family-owned and privately held company that operates as a debt collection agency in all 50 states, including Utah. It provides services to various industries, including; healthcare, small business, financial services, government, communications, education, and utilities. IC System is headquartered outside of St. Paul, Minnesota.
IC System has been accredited by the Better Business Bureau (BBB) for decades and currently holds an A+ rating, which is the highest rating possible. Customers disagree with that rating however. The BBB has received a total of 1,351 customer reviews about IC System, with an average rating of only 1 out of 5 stars. Another 1,100+ have been filed with the Consumer Financial Protection Bureau (CFPB), a federal agency created to help prevent companies in the financial industry, such as banks, credit card companies, and debt collection agencies, from abusing and deceiving consumers.
Does IC System collect medical debts?
Yes, IC System is a debt collection agency that serves clients in various industries, including healthcare. This means that IC System may collect on medical debts owed to healthcare providers, including as hospitals, medical clinics, and dentists.
Will IC System sue me for a debt?
IC System provides a variety of debt collection services that may or may not include suing you for debt. It will usually start by sending collection letters and making collection phone calls to you to collect. Then, it will evaluate the debt and decide whether or not to sue you using a third party attorney or debt collection law firm.
Should I make a payment to IC Systems?
Maybe, but certainly not right away. First, you must carefully review the information it provided and assess your options. If you have any doubts or concerns, you may wish to seek advice from a financial advisor or legal professional before making any payments. You should also verify the legitimacy of any debts it claims you owe to assure they are valid and accurate. You also want to be sure you do not pay if doing so will restart any statutes of limitations that might apply to the debt.
Should I file a lawsuit against IC Systems?
If you believe that IC Systems has violated your rights under the Fair Debt Collection Practices Act (FDCPA) or any other applicable laws, you may wish to consult with a qualified attorney who specializes in consumer law. An attorney can advise you on your legal rights and options, help you gather evidence to support your case, and assist you in filing a lawsuit if it is determined to be appropriate.
To maximize your chances of success keep detailed records of any communications or interactions with IC Systems, as well as any evidence that may be relevant to your case. That includes keeping the collection letters, phone logs of collection calls, voicemail recordings of collection messages, and proof of any payments you made toward the debt. This information is helpful in determining whether or not to pursue legal action against the company.
Contacting IC Systems
We do not recommend you contact IC Systems for anything other than sending it a cease and desist letter, a pay for delete letter, or a debt validation letter. If you want to get IC Systems off your credit reports, dispute the credit listing with each of the main credit bureaus, Experian, TransUnion, and Equifax.
If you must contact IC Systems the phone number listed on its website is 1-800-443-4123.
Don’t pay any debt collection agency until you know the debt is valid and owed and that there are no collection abuses taking place that could be used to offset the debt.
Common Fair Debt Collection Practices Act (FDCPA) Violations
Some common violations of the Fair Debt Collection Practices Act (FDCPA) by debt collectors include:
- Misrepresentation of the debt: Debt collectors may not falsely represent the character, amount, or legal status of a debt.
- Threatening legal action: Debt collectors may not threaten legal action unless it is a course of action they actually intend to take.
- Communication with third parties: Debt collectors are prohibited from communicating with third parties about the debt, except for the limited purpose of trying to locate the consumer. They may not disclose the debt to the consumer’s employer, co-workers, or neighbors, for example.
- Unfair debt collection practices: This can include adding unauthorized charges or interest to the debt, or collecting on a debt that is beyond the statute of limitations.
- Ignoring cease and desist requests: If a consumer requests that a debt collector cease communication with them, the collector must comply. Failure to do so is a violation of the FDCPA.
- Contacting a consumer who is represented by an attorney: Once a debt collector is informed that a consumer is represented by an attorney, they must communicate only with the attorney, not the consumer.
- Suing in an improper venue: Under the FDCPA you can only be sued where you signed for the debt or reside when the lawsuit is filed. Generally, this means the closest court to your current residence though there are other factors that may change that a little.
Common Fair Credit Reporting Act (FCRA) Violations
The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, dissemination, and use of consumer credit information. Debt collectors are subject to the FCRA when they report information to credit reporting agencies. Here are some of the most common FCRA violations for debt collectors:
- Reporting inaccurate information: Debt collectors are required to report accurate information about a consumer’s debt. If the information they report is inaccurate, it can negatively impact the consumer’s credit score and ability to obtain credit in the future.
- Failing to update information: Debt collectors are required to update credit reporting agencies with any changes to a consumer’s debt status. If they fail to do so, it can lead to inaccurate reporting.
- Reporting debt that is not owed: If a consumer does not owe a debt, debt collectors are prohibited from reporting it to credit reporting agencies.
- Failing to investigate disputes: If a consumer disputes the accuracy of information being reported to credit reporting agencies, debt collectors are required to investigate the dispute. Failure to do so is a violation of the FCRA.
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How to get IC Systems off your credit report
If you have an outstanding debt that has been reported to the credit bureaus by IC System, it will generally remain on your credit report for up to 7 years from the date of the first delinquency. However, you can mitigate the impact of the debt on your credit score. These steps will help remove inaccurate information from your credit report:
- Dispute Errors: If there are errors in the way the debt is being reported to the credit bureaus, you have the right to dispute them. You can do this by contacting IC System and providing evidence to support your dispute. If the dispute is successful, the credit bureaus will remove the incorrect information from your credit report.
- Request Debt Validation: Debt validation is the process of verifying the accuracy and completeness of credit reporting information. Send IC System a letter asking for proof of the debt, identification of the original creditor, and a verification of the amounts claimed as due. IC System will then have around 30 days to respond. By itself this will not normally remove the listing. When combined with other tools, however, debt validation can be effective.
- Negotiate a Settlement: If you are unable to pay the full amount of the debt, you may be able to negotiate a settlement with IC System or the creditor. A settlement involves paying a portion of the debt in exchange for the remainder being forgiven. Once the settlement is complete, IC System or the creditor should update the credit bureaus with the new status of the debt.
What happens if I don’t pay IC System?
IC Systems uses a variety of debt collection tactics to make you pay. In addition to letters, phone calls, and text messages, IC System’s collection efforts include credit reporting, credit monitoring, something it calls “non-litigation attorney referral.” In other words, it might take some other action against you but it is unclear what action that could be.
Generally, if you owe a debt. take the matter seriously and address it promptly. You want to avoid the addition of any extra unnecessary fees certainly don’t want to be sued for the debt. You also don’t want to reset any statutes of limitations or waive any other legal rights. In other words, don’t pay until you consult with an attorney to be sure that is appropriate for your situation.
IC Systems pay for delete letters
Pay for delete is a negotiation between a consumer and a debt collector or creditor. The consumer agrees to pay off the debt in exchange for the negative information being removed from their credit report. While some debt collectors may be willing to negotiate a pay for delete agreement, many won’t. In other words, pay for delete is not a guaranteed outcome. Some creditors and collection agencies may not be willing to engage in this practice. Whether IC System allows pay for delete is unclear at this time. Our practice does not normally require or encourage our clients to pay for delete.
File a complaint against IC System
We highly recommend that you contact us before filing a complaint against IC System. Nothing good will come of a standard complaint to any government or private agency. They simply do not care about individual consumers. If you have issues with IC System, contact us for immediate assistance.
Steps for filing a complaint against IC System
If you still want to file a complaint against IC System, you can take the following steps to file a complaint with various agencies:
- File a complaint with the Consumer Financial Protection Bureau (CFPB): If you are unable to resolve your complaint with IC System directly, you can file a complaint with the CFPB. The CFPB is a government agency that regulates debt collection practices and can help resolve disputes between consumers and debt collectors. You can file a complaint with the CFPB online, by phone, or by mail. This is a waste of your time.
- File a complaint with your state Attorney General’s office: You can also file a complaint with your state Attorney General’s office. Each state has a consumer protection division that is responsible for investigating and prosecuting unfair or deceptive business practices. This is an even bigger waste of your time. The Utah Attorney General does not care one bit about you or your consumer issue. He is more interested in protecting banks, collection agencies, landlords, and other businesses.
- File a complaint with the Better Business Bureau (BBB): You can also file a complaint with the BBB, which is a nonprofit organization that helps consumers resolve disputes with businesses. The BBB will review your complaint and attempt to mediate a resolution with IC System. The BBB will not make IC System pay you for damages under the Fair Debt Collection Practices Act so this too is a waste of your time.
When filing a complaint, provide as much detail as possible, including any relevant documentation or evidence that you may have. Be sure to keep a record of any communications with IC System or other parties related to your complaint. Then, when the above agencies fail you, contact a true professional for help.
Need help with IC System
If you have been contacted by IC Systems about an overdue debt, Stephenson Law Firm can help. We are the most accomplished debt collection litigation firm in Utah and have vast experience with companies like IC System.
Contact us today, and one of our attorneys can review your case for free. Our case review process is quick and easy and comes with no obligation. Then, if you have any legal claims against IC System we will do our best to stop the collection, clear up any inaccurate credit reporting, and make the debt collection agency pay you damages.
Our process is fast and easy. Call today for a free case review.