I.C. System Collection Letter Class Action Lawsuit Overview:
- Who: A Texas consumer lodged a class action lawsuit against collections company, I.C. System, Inc.
- Why: The consumer claims that the I.C. System collection letters are unclear and violate federal law.
- Where: The class action lawsuit was filed in Texas federal court.
Debt collector I.C. System, Inc. harms consumers with its unclear debt collection letters, which violate federal law, a new class action lawsuit alleges.
The lawsuit was filed in Texas on August 30 by lead plaintiff Adonus Taylor who alleges that the company violates the Fair Debt Collections Practices Act (FDCPA) by sending consumers letters that do not clearly explain their rights in contesting a debt.
Consumer Confused by I.C. System Collection Letter
Taylor was sent a collection letter from the company on March 20, 2021, regarding an alleged debt with ATT DIRECT, which had contracted I.C. System to collect the alleged debt, the claim reads.
The letter stated: “Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification.”
Taylor, who was previously unaware of the debt, claims that the language in the letter left him unsure whether he could dispute the debt by calling AT&T, or if he had to notify the debt collection agency of the dispute.
According to the FDCPA, the suit says, a debt collector must provide a consumer with a proper validation notice that is not overshadowed or contradicted by other language.
“Plaintiff, as would any least sophisticated consumer, read the above statements and was left confused as to their rights regarding how to dispute the debt.”
As a result, the claim alleges, Taylor was harmed by being “subjected to deceptive and misleading collection practices, from which they had a substantive right to be free,” and by being subjected to the increased material risk of financial harm. The claim says that Taylor was “deprived of a clear and concise understanding of their rights regarding how to dispute a debt.”
The FDCPA was enacted in 1977 in response to the “abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.”
At that time, Congress was concerned that “abusive debt collection practices contribute to the number of personal bankruptcies, to material instability, to the loss of jobs, and to invasions of individual privacy.”
Taylor wants to represent other Texas consumers and is suing for violations of the FDCPA. He seeks damages, legal fees and costs, and interest.
I.C. System collection letters have been the subject of other legal actions, along with debt collection calls made by the company. In 2017, a New York resident accused the I.C. Systems of using an unsecure envelope to send debt collection letters.
A 2016 class action lawsuit claimed the company contacted a Michigan man illegally, using an unauthorized cell phone, over an alleged debt.
Have you ever been sent to collections? Tell us whether your letter was clear on how you could dispute the debt in the comments section!
Taylor is represented by Yitzchak Zelman of Marcus & Zelman, LLC.
The I.C. System, Inc. Debt Collection Class Action Lawsuit is Taylor v. I.C. System, Inc., Case No. 1:21-cv-00460 in the U.S. District Court for the Eastern District of Texas Beaumont Division.
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66 thoughts onI.C. System ‘Harms’ Consumers With Unclear Debt Collection Letter, Class Action Alleges
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Can I be added to this list as well they reported an account to my credit for an outstanding amount which is absurd.
I.C. System is on my credit report. I’ve not been contacted by who runs this company. I would like to seek out one of your attorney’s to contact me.
Please please add me I am currently fighting this company I made payments thanks to Banfield pet hospital not letting me know that when my credit card got updated my payment wasn’t pulling out next thing you know ic systems is contacting me I’ve been making payments for months a little more than a week before my payment was due in December I called them to see what they would settle for because I was sick and tired of paying it every month they gave me an amount they had me typing my bank information on my keypad they waited a little over a week to call me and tell me something was incorrect and the money never pulled out that was on the 17th of December I was horribly ill I said please let me call you guys back tomorrow I could barely move I explained this to the guy I can barely even speak at the time Please give me a day to call you back and redo the bank information I woke up the next day to an alert on the day that it would have been due it was reported and I lost over 45 points on my credit score just completely demolishing it to under 700 now I have well had zero negative anything on my credit report The contract agreement was as long as my payments are made on time it is not to be reported to the credit bureau The daily reported it was the day it would have been due even though with the better Business bureau and with TransUnion I proved I was making on time payments that I never defaulted not even buy one day and they reported it it will not get removed I will not get my 40 some points back nothing I am completely screwed by this company and they’re trying to put themselves down as a retail account when it clearly says Banfield pet HOSPITAL they literally took away any incentive I had to freaking pay them by reporting it and demolishing my credit score I will no longer give them a damn penny I got excited when I saw this and finally somebody is going after this scam company
This company seriously needs a class action lawsuit against them. If anyone knows of one, I would be happy to present my case to add. They put a debt that I did not owe on my credit report and claimed identify theft and that I had to file a police report to get it off. The original creditor said they never sent anything over and that they in fact owed me money. IC System could not provide any proof of the alleged debt they claimed had been sent over on my SSN. Complete frauds who ought to be held accountable. The debt owed did not belong to me and yet was still placed on my credit report. No attempts had been made to contact me from this company prior to this.
They have put collections on my credit report. I currently have one after that. I disputed it. It came back again and now I cannot get them off and it caused my credit score to go down tremendously
Add me have went throw this so many times
I have just received an email from Credit Karma about a collection on my credit report. I saw that it was IC systems for 399$ which was open in July 2, 2023. I have no such account and have not had any letters or phone calls to my house regarding this debt. I do not have any outstanding debt. I had no idea who IC systems was, so I had to google the company name for information. I have tried to call IC systems to find out what this supposed debt is and their business is closed. Please help.
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I’m having issues with this same
IC system company.
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