IC System on Your Credit Report? Fight Back and Win

Last Updated:
April 14, 2023

IC System keeps calling, but you don't know why. Figuring out the reasons can be tricky and frustrating, especially if they claim that you owe a debt that isn't familiar to you or contains errors. 

Don't worry, though - you have the right to find out why they're calling and how to get them off your credit report. Our FCRA attorneys are here to help. Get in touch for a free case review today, and read on for more information about IC System and how to deal with their calls.

Is IC System a Real Collection Agency or a Scam? 

Yes. IC System is a legit debt collection agency. It has been operating in the U.S. since 1938. However, like many other debt collection agencies, they have accumulated many negative reviews, complaints, and lawsuits over the years. 

Here’s an overview of their reputation: 

  • Nearly 9,000 complaints filed with the Consumer Financial Protection Bureau (CFPB) since 2011.
  • 1 out of 5 stars with the BBB and more than 1,296 complaints in the last three years. 
  • 1.1 out of 5 stars with Consumer Affairs. 

Generally, you should be vigilant when dealing with this company or any other debt collector. That includes researching the alleged debt before you negotiate or pay it off. Additionally, don’t give out your personal information over the phone unless you are absolutely sure you are speaking with an IC System representative.

What’s IC System’s Contact Information? 

If you want to get in contact with or verify your debts with IC System, here is their contact information: 

Why Does IC Systems Keep Calling Me?

Every situation is different. However, if IC System is calling you, it’s likely for one or more of the following reasons but not limited to: 

  • You owe a debt to a company they are collecting on behalf of 
  • They have mistaken your identity for someone else
  • They’re calling you based on outdated or otherwise inaccurate information

In general, if they are continually calling you, there must be a reason for it. However, that reason isn’t always legitimate. If you’re fed up with phone calls and negative information on your credit report, we can help. 

Our FCRA attorneys can deal with debt collectors like IC System for you, negotiate a debt settlement, or demand they fix your credit report. Contact us today to learn how we can help clear your credit. 

What Companies Does IC System Collect For?

IC System collects debt for many types of industries, including but not limited to: healthcare, finance (i.e., banks, credit card companies, etc.), utilities, telecom, government agencies, and more. A few of their most notable clients include KOOL Smiles, Sprint, and Spectrum. 

However, it’s important to note that they don’t publish a list of their clients. Therefore, it’s not always possible to know who they are collecting for until after checking your credit report and/or speaking with them. 

How Do I Fight IC System?

Are you receiving calls from IC System, but don't know what rights you have or how to proceed? It's important to understand your rights under the Fair Credit Reporting Act (FCRA), a U.S. government-enacted consumer protection law that safeguards consumers against unfair and inaccurate credit reporting.

Here are some methods to help protect yourself against IC System:

  • Know Your Rights 

You can dispute any inaccuracies on your credit file. Always remember to contact Fair Credit - we can manage disputes on your behalf and ensure errors are removed from your credit report. You also have the right to request that IC System stops contacting you. They must honor this, but this will not remove them from your credit report, fix your credit score, or stop them from pursuing legal options in order to collect your debt. It’s best to contact Fair Credit and get this resolved.

  • Maintain Good Records 

In case of false claims, keep detailed records of communication with them (e.g., phone calls, emails, letters).

  • File a Complaint 

If IC System has breached your consumer rights, you can file a complaint with the CFPB, state attorney general’s office, or FTC.

  • Contact an FCRA Lawyer 

An FCRA attorney can aid in understanding your rights, evaluating the merits of the debt, and possibly taking legal action against the collector.

It’s essential to remember that every case is different. For some consumers, it’s better to negotiate a settlement. For others, your attorney may recommend pursuing legal action. Contact us for a free case review if you need assistance in dealing with IC System and protecting your credit report.

How Do I Remove IC From My Credit Report? 

Just because IC Systems claims you owe them a debt, it doesn’t guarantee that it’ll stay on your credit report. If you have a collections account with this company or any other debt collection agency, there are a few steps you can take to remove it from your credit other than paying the full balance. 

First, you can dispute the debt. That’s especially true if it’s based on inaccurate information, unverifiable, belongs to someone else, or is outdated. If the debt is valid, you can negotiate a settlement with IC System. 

Additionally, you can seek professional help from a debt counseling company or attorney who can help you negotiate a favorable settlement, set up a payment plan, or have the debt deleted from your credit file for FCRA violations. 

Continue reading to learn how our lawyers have helped countless people reclaim their good credit scores and remove IC System for good. 

Get Your Free Case Review With an FCRA Attorney Today

Do you feel that IC System has infringed on your consumer rights? Or, have you been contacted about owing them a debt but are unsure what to do about it? Fair Credit's FCRA attorneys are here to help. We can assist in taking action against inaccurate and unfair credit reporting practices, as well as assisting with negotiating a fair settlement if you do owe the debt.

Don't let negative information ruin your credit score any longer. Contact us today for a free case review and start getting the help you need.

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