- IC System is privately held and family-owned, headquartered in St. Paul, Minnesota. A third-party accounts receivable and debt collection agency founded in 1938. Unlike debt buyers, IC System typically collects on behalf of the original creditor rather than purchasing accounts outright.
- As a third-party collector (as opposed to a debt buyer), IC System contacts you on behalf of the original creditor — the company that initially extended the credit that went unpaid.
- We couldn't verify a specific federal CFPB enforcement action or consent order against IC System against a primary source, so none is cited here. If you want to check for yourself, the CFPB's enforcement actions are searchable directly at consumerfinance.gov.
- Regardless of who's collecting, you have the same FDCPA rights: 30 days from first contact to request validation in writing, during which they must stop collecting until they prove the debt.
Who they are
IC System is privately held and family-owned, headquartered in St. Paul, Minnesota. A third-party accounts receivable and debt collection agency founded in 1938. Unlike debt buyers, IC System typically collects on behalf of the original creditor rather than purchasing accounts outright. If a letter or call references an account you don't recognize, that's common with debt collection — the original creditor (a credit card company, retailer, or lender) didn't collect the debt themselves, and IC System is now the one trying to collect on it on their behalf.
Your rights if they've contacted you
Whichever collector you're dealing with, the same federal law applies. You have 30 days from their first written contact to request validation — a written request asking them to prove the debt is real and yours. Once you do, they're required to stop collection activity until they've provided that proof.
If IC System has contacted you about a debt, PUSHBACK reads the notice you received and drafts that request from the specific details on it — you review it before you pay anything.