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Agency #07

IC System

Privately held accounts-receivable management company · Vadnais Heights, Minnesota

Phone-number answer

Checking a call from IC System?

The published phone numbers below can help you look up the company. Caller ID can be spoofed: a matching number does not authenticate a caller or prove that you owe a debt.

What happened?

Choose the situation that fits. Keep a record as you go.

Wrong person

If the call is for someone else, say they have the wrong person and ask them to stop calling your number. Do not give sensitive identity or financial details to an unverified caller.

Log the date, displayed number, callback number, voicemail, and your request. If the collector claims you owe the debt, use a written dispute explaining that it is not yours.

Log wrong-person calls Dispute a debt that is not yours

For a written dispute, use the validation-period end date printed on the notice and keep proof of submission. If you have no notice, request the validation information; do not guess a deadline. A call or log entry does not replace that dispute.

Sources
  1. CFPB debt dispute rights — Consumer Financial Protection Bureau
  2. CFPB debt collection limits — Consumer Financial Protection Bureau
Unfamiliar debt

Ask for written validation information and compare the creditor, account reference, amount, and dates with your records. Do not confirm that you owe it or agree to pay while you are still checking.

Request the debt details Dispute an unfamiliar debt Keep a collector call log

An information request is not always a dispute. If you dispute the debt, say so in writing by the notice’s printed validation-period end date and keep proof. If the notice is missing, request it; do not guess a deadline or assume collection must pause.

Sources
  1. CFPB validation notice rules — Consumer Financial Protection Bureau
  2. CFPB debt dispute rights — Consumer Financial Protection Bureau
Received a notice

Save the notice and envelope or original electronic message, and note when it arrived. Check the collector, creditor, itemized amount, account reference, and printed validation-period end date against your records.

If you dispute the debt or amount, send or submit a written dispute on or before that printed end date. Keep a copy and proof of when you sent it. A phone call or call-log entry does not replace a timely written dispute.

Build a validation dispute letter Track the notice and follow-up Check notice and deadline next steps
Sources
  1. CFPB validation notice rules — Consumer Financial Protection Bureau
  2. Regulation F § 1006.38 dispute and original-creditor request rules — Consumer Financial Protection Bureau

Court papers? A validation letter does not replace a court response. Protect the court deadline first.

Check a payment link or existing payment plan
Medical accounts
866-628-7811
Other consumer inquiries
800-279-7244
Language access
1-800-279-9420

End the incoming call and find a contact number independently through the company’s official website or your original creditor’s known contact channel. Check the written debt information separately before sharing sensitive information or paying. Why caller ID can be spoofed (FTC).

Sources for the phone answer
Sources
  1. IC System consumer help — IC System
  2. FTC phone scams and caller ID spoofing — Federal Trade Commission
  3. CFPB collector legitimacy checks — Consumer Financial Protection Bureau

IC System is a long-standing, family-owned debt-collection company that collects for clients across healthcare, government, banking, and phone or internet services.

Why this company appears here

It's one of the older, nationally known collection firms, so its name commonly appears on medical and dental bills, phone accounts, and government or bank debts.

Common account types

  • Medical and dental balances
  • Telecom accounts
  • Government receivables
  • Financial-services accounts

Check the company before you click or pay.

Match these details to the validation notice, credit report entry, and payment page before sharing account or bank information.

Legal name
IC System, Inc.
Official website
https://www.icsystem.com/consumer
Consumer portal
https://pay.icsystem.com/
Phone - Medical accounts
866-628-7811
Phone - Other consumer inquiries
800-279-7244
Phone - Language access
1-800-279-9420
Mailing address
444 Highway 96 E, PO Box 64378, St. Paul, MN 55164-0378
Last reviewed
June 11, 2026

A matching caller ID does not authenticate a caller: numbers can be spoofed. Find contact details independently through the official company website or your original creditor before responding. Separately verify the debt and any payment instructions in writing.

Identity sources
  1. IC System payment portal — IC System
  2. IC System consumer help — IC System
  3. IC System SOC 3 report — IC System

Find out who actually owns the account.

A collector, servicer, and debt owner are not always the same company. That affects what proof you should ask for.

Possible role: Third-party collector, ARM servicer, healthcare RCM vendor, and government collections vendor

IC System describes itself as a collection agency that recovers debts for the original creditors. It handles accounts at every stage — from recently past-due to charged-off — which points to a collector working for others rather than a debt buyer that owns your account.

  • Do not assume IC System bought the debt; ask it to identify the original creditor or client and whether that creditor still owns the account.

  • Ask for written validation and account details before paying, especially for medical, government, telecom, or utility balances.

Role sources
  1. IC System FAQ — IC System
  2. IC System SOC 3 report 2023 — IC System
  3. IC System government collections — IC System
  4. CFPB validation notice rules — Consumer Financial Protection Bureau

What official records say.

Each note below comes from a dated government, regulator, court, or SEC record. Use it as background, not as proof about your specific account.

  • The District of Connecticut allowed an amended complaint about duplicate credit reporting of the same DirecTV debt to move forward; the ruling did not decide whether I.C. System was ultimately liable.

    Source
    1. Reyes v. I.C. System — U.S. District Court for the District of Connecticut

  • The Eleventh Circuit revived a case over interest-charge errors, holding that the record did not show I.C. System had procedures reasonably designed to avoid those errors.

    Source
    1. Owen v. I.C. System — U.S. Court of Appeals for the Eleventh Circuit

  • The District of Connecticut ruled against I.C. System on part of a federal debt collection law case, including collection after a debt-verification request without sending verification, and rejected I.C. System's mistake defense on that claim.

    Source
    1. Dragon v. I.C. System — U.S. District Court for the District of Connecticut

Start with the facts you can check.

  • For a medical balance, check it against your insurance explanation of benefits, the provider's billing records, and any medical-debt rules in your state.
  • If the debt is disputed, send the dispute to the collector and consider a separate dispute to the credit bureau if it is reporting.

Confirm the account first.

Even a real collector can have the wrong person, wrong amount, old debt, duplicate placement, or incomplete records.

  • The collector name, mailing address, phone number, and website on the letter you received.
  • Who the original creditor was, who owns or placed the account now, the account number, balance, and date of last payment.
  • Whether the debt may be too old for a lawsuit in your state before you pay or promise to pay.
  • Whether the account appears on your official credit reports from AnnualCreditReport.com.
  • Whether this looks like the kind of account IC System commonly handles: Medical and dental balances, Telecom accounts, Government receivables, Financial-services accounts.
Put it in writing
Debt validation letter template Collector call log template
Sources
  1. IC System SOC 3 report — IC System
  2. CFPB validation notice rules — Consumer Financial Protection Bureau
  3. FTC debt collection FAQs — Federal Trade Commission

Questions people ask about IC System.

Use these answers to sort out roles, names, portals, and account details before responding.

Who is IC System?

IC System, Inc. is a privately held accounts-receivable management and debt collection company based near St. Paul, Minnesota. The company says it was founded in 1938 and remains family owned.

Sources
  1. IC System about — IC System
What kinds of companies or agencies use IC System?

IC System collects for many client types, including healthcare providers, utilities, government offices, communications companies, education clients, financial institutions, and small businesses. Its government materials mention taxes, fines, fees, utilities, EMS charges, parking fees, and traffic violations, while its communications materials mention wireless, broadband, internet, cable, and landline accounts.

Sources
  1. IC System industries — IC System
  2. IC System government collections — IC System
  3. IC System communications collections — IC System
Does IC System own my debt?

Usually, IC System appears to be collecting for another creditor rather than buying the debt. IC System says it reports past-due accounts on behalf of clients and is not a debt buyer, so check the notice for the creditor or client tied to the account.

Sources
  1. IC System credit-report dispute article — IC System
  2. CFPB validation notice rules — Consumer Financial Protection Bureau
How do I contact IC System or use its official consumer portal?

IC System's consumer site links to tools for finding an account, disputing an account, reporting wrong-person contact, and making a payment. It lists medical account support, other inquiry phone lines, and correspondence at IC System Correspondence, 444 Highway 96 East, P.O. Box 64378, St. Paul, MN 55164-0378.

Sources
  1. IC System consumer site — IC System
  2. IC System consumer FAQs — IC System
How can I dispute or request validation of an IC System account?

IC System says consumers can use its dispute page and should include an IC System reference number or credit bureau account number so it can locate the account. CFPB guidance says validation information should identify the creditor, amount, and dispute process. Send or otherwise submit a written dispute on or before the validation-period end date printed on the notice. When it receives that timely dispute, the collector generally must cease collection of the debt, or any disputed portion of the debt, until it sends verification or a copy of a judgment. If it reasonably determines that a repeat dispute is duplicative—substantially the same as one it already answered, with no new and material information—it may instead send a notice explaining why and referring to its response to the earlier dispute.

Sources
  1. IC System credit-report dispute article — IC System
  2. CFPB validation notice rules — Consumer Financial Protection Bureau
  3. CFPB debt dispute rights — Consumer Financial Protection Bureau
  4. Regulation F § 1006.38 dispute and original-creditor request rules — Consumer Financial Protection Bureau
  5. Regulation F Small Entity Compliance Guide § 12.3 (submission and receipt timing) — Consumer Financial Protection Bureau
Can an IC System account end up in court?

IC System business materials mention non-litigation and litigation attorney referrals as possible collection service options for some client programs. Court papers have deadlines, so treat any summons or legal notice differently from an ordinary collection letter and verify the account details promptly.

Sources
  1. IC System communications collections — IC System
  2. FTC debt collection FAQs — Federal Trade Commission
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