I.C. System: who they are and what the CFPB complaint record shows
I.C. System: CFPB complaint record (last 3 years), the most common complaint issues, and the rights the law gives you when a collector contacts you.
Last updated
Short answer: I.C. System, Inc. is a family-owned accounts receivable management company founded in 1938 and headquartered in St. Paul, Minnesota. It collects for clients in healthcare, financial services, retail, utility and communications (per its FAQ page). If I.C. System has contacted you, federal law (the Fair Debt Collection Practices Act and the CFPB's Regulation F) gives you the right to a validation notice and to dispute the debt. This page lists facts only; it is not legal or financial advice.
Company facts
| Field | Value |
|---|---|
| Legal name | I.C. System, Inc. (CFPB company name; site footer "© 2026 IC System, Inc.") |
| Headquarters | St. Paul, Minnesota: 444 Highway 96 E, PO Box 64378, St. Paul, MN 55164-0378; family-owned, founded 1938, with a branch office in Wisconsin (IC System FAQ) |
| Type | Collection agency ("Debt Collection Services & Solutions", icsystem.com) |
| Website | icsystem.com |
| Phone | 1-800-443-4123 (icsystem.com) |
| State license | Check it yourself on NMLS Consumer Access (we do not copy NMLS data) |
CFPB complaint record (Oct 14, 2023 – Oct 13, 2026)
Company name searched in the CFPB database: I.C. System, Inc.
- Complaints received: 15,351
- Timely company response: 15,346 of 15,351 (100.0%)
Top 5 issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 6,656 |
| Written notification about debt | 2,131 |
| Took or threatened to take negative or legal action | 1,799 |
| Incorrect information on your report | 1,476 |
| False statements or representation | 1,393 |
How the company closed complaints
| Response | Complaints |
|---|---|
| Closed with explanation | 14,301 |
| Closed with non-monetary relief | 1,050 |
Top states by complaints
| State | Complaints |
|---|---|
| TX | 2,190 |
| FL | 1,978 |
| GA | 1,629 |
| CA | 1,051 |
| NC | 818 |
The CFPB notes that complaint counts are not a rating and should be considered in the context of a company's size. Complaints are not verified by the CFPB. See this query in the CFPB database.
Public enforcement actions
None found in the CFPB enforcement actions search for "I.C. System" on Oct 13, 2026. No FTC action found in a web search of ftc.gov on Oct 13, 2026. No state attorney general action found in a web search of official AG sites on Oct 13, 2026.
What the law gives you when a collector contacts you
- Validation notice. Under Regulation F (12 CFR 1006.34), a debt collector must give you a validation notice with the amount owed, the creditor and how to dispute. eCFR §1006.34
- Right to dispute. The notice gives the date by which you can dispute; if you dispute in writing in that period, the collector must stop collecting until it sends verification. CFPB: What information does a debt collector have to give me?
- Sample letters. The CFPB publishes free sample letters to request information, dispute a debt or limit contact. CFPB debt collection letters
- Complaints. You can file a complaint with the CFPB at consumerfinance.gov/complaint.
- Time limits. Each state sets a statute of limitations on debt. Each state has its own rules; a state-by-state guide is coming soon.
Frequently asked questions
Is I.C. System a real debt collector?
Yes. It appears in the CFPB complaint database under I.C. System, Inc.
What should I ask I.C. System for first?
The validation information described in Regulation F §1006.34; the CFPB's sample letters cover this.
Can I file a complaint about I.C. System?
Yes, anyone can file a complaint with the CFPB online.