Who Is I.C. System? Why Are They Calling Me?

By US Debt Compass Editorial TeamUpdated 2026-08-09
CFPB complaints on record for I.C. System
1,762

Most commonly for attempts to collect debt not owed

View full complaint lookup for I.C. System →

Contact I.C. System

Address to send a debt validation letter
IC System, Inc. PO Box 64378 St. Paul, MN 55164-0378
Phone
1-800-279-7244 (general); 1-866-628-7811 (medical accounts)
Official website
https://www.icsystem.com

As of 2026-07-15 — verify before mailing anything important, since collectors do change addresses.

I.C. System is a third-party collection agency headquartered in St. Paul, MN — it collects debts on behalf of the original creditor (a hospital, utility, or lender, for example) rather than buying and owning the debt itself the way a debt buyer does. If I.C. System is contacting you, your account is still typically owed to the original company; I.C. System is acting as their collector. If the debt sounds unfamiliar or the amount looks wrong, request validation before paying anything.

Questions & Answers

Is I.C. System a legitimate debt collector?

I.C. System shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.

— US Debt Compass Editorial Team

How do I stop I.C. System from calling me?

Under the FDCPA, you can send I.C. System a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.

— US Debt Compass Editorial Team

How do I dispute a debt with I.C. System?

Send a written debt validation request to I.C. System's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.

— US Debt Compass Editorial Team

Is I.C. System on my credit report?

If I.C. System is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.

— US Debt Compass Editorial Team

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