[Johnnygoose]

You should send a certified letter to the collection agency telling them you dispute the debt, give them the reasons why. I did not see a sample letter from the website mentioned earlier but I would avoid using an exact copy of a letter from a website. That website lists some of the provisions of the Fair Debt Collection Practices Act you should read the act and see if the collector from IC Systems violated any of the provisions. Common violations are telling you they will sue you, they will list the debt as a Judgment on your credit report, they will garnish your bank account.