Date Received: 2024-03-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am unaware of these two ( 2 ) debts. I did not have the opportunity to dispute this debt before appearing on my consumer report. I did not receive proper notification. If in fact, you believe I received proper notification please provide the certified mail with a receipt with my signature on there stating that I received it at least five days before it appeared on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2024-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I.C. SYSTEM, INC IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( ORIGINAL CREDITOR XXXX XXXXXXXX ) I am writing to formally request that your company cease and desist all debt collection activities related to the debt identified [ XXXX ACCOUNT XXXX ] XXXX It has come to my attention that your agency is not licensed to collect debts in the state of Georgia, as required by state law. Under the Fair Debt Collection Practices Act ( FDCPA ) and Georgia state law, debt collection agencies must be licensed and compliant with all regulations in the state where they are conducting collection activities. Your lack of proper licensing in Georgia prevents you from legally pursuing debt collection actions within the state. I demand that you immediately cease all communication, attempts to collect, or any further actions related to this debt. Failure to comply with this request will result in legal action being taken against your agency. Please provide written confirmation that you have ceased all collection activities related to the aforementioned debt and that my request has been acknowledged. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: IC system has placed a collection back on my consumer report from XXXX that was removed two years ago due to identity theft. They are trying to collect on a debt that is not mine and that was removed from my consumer reports before. Not only did they not notify me that they were placing it on my reports but they did it. This dropped my credit score from a XXXX to low XXXX damaging my reputation. I do not have a contract with these people. Remove me from your data base and trying to collect on debt that is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear IC System I hope this communication finds you well. I am writing to address serious concerns regarding potential security fraud associated with my investment with IC System and the actions taken by XXXX XXXX XXXX, a third-party debt collector. As an investor, I provided IC System with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 16815-2. IC System, as the original creditor, is obligated to furnish accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. IC System, a third-party debt collector, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. The discrepancies in my billing statements suggest a potential violation of UCC Article 9 ( 9-609 ) guidelines by IC System. Moreover, a critical issue in the billing statements has come to my attention. A billing error is present, portraying my dividend check inaccurately as an amount I am required to pay. This misrepresentation is a serious concern and constitutes security fraud, distorting the nature of my financial obligations. I request a thorough investigation into both the security fraud concerns and the billing statement error. This investigation should include a comprehensive review of my account, along with a XXXX audit, to ensure transparency and validate the financial details associated with my investment. I must also highlight that IC System is attempting to collect a debt I never owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Dispute Letter to I.C. Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2024 I.C. Systems XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX RE : Dispute of Debt and Request for Validation Dear Sir or Madam, This letter serves as a formal dispute of any and all debts I allegedly owe to I.C. Systems. I am writing to request validation of the debt, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 1. Debt Dispute and Validation Request : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s-2 ( 7 ) ( a ), I demand complete and accurate validation of the alleged debt you claim I owe. This validation must include : The name and address of the original creditor. The date the debt was incurred. A clear and specific identification of the goods or services for which the debt was incurred. The original amount of the debt. The current amount of the debt, including any interest and fees. Verification of the debt 's ownership by I.C. Systems. 2. Request for Purchase Agreement : I further request a copy of the purchase agreement between I.C. Systems and the original creditor, in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This document will assist me in verifying the validity of the debt. 3. Proof of Licensure and Bonding : Under 12 CFR 1006.34 ( d ), debt collectors must be properly licensed and bonded to collect debts in the state of residence of the consumer. Therefore, I request proof of I.C. Systems ' current licensure and bonding in the state of Michigan. 4. Revocation of Communication : Finally, I hereby revoke all permission for I.C. Systems to contact me through any means, including email, text messages, and phone calls. Any future communication must be made through certified mail, addressed to the above address. Please note that I am prepared to pursue legal action if I.C. Systems fails to comply with these requests or engages in any further collection activities without proper validation. Sincerely, XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to express my extreme frustration and disappointment with the way XXXX has handled a billing issue, resulting in wrongful charges and a significant negative impact on my credit report. I have been a loyal XXXX customer for several years, and it is disheartening to find myself in this predicament. Approximately four years ago, I returned two hotspot devices to XXXX upon terminating my service. At that time, I had contacted your customer service, and after an initial charge for the devices, the charges were removed. Unfortunately, it has come to my attention that three years later, after I had already terminated my service, XXXX claimed that I still owe for one of the devices. Despite repeated requests and my persistence in informing XXXX that I had indeed turned in both devices, your company proceeded with a cursory search and claimed to have found only one of the devices. This is in stark contrast to the thorough search conducted when XXXX initially claimed that I had not turned in any devices. It is evident that there has been a significant oversight or mistake on your part, which has now escalated to the point of selling the alleged debt to a debt collector. The repercussions of this erroneous charge and subsequent impact on my credit report can not be understated. As an XXXX XXXX XXXX XXXX in XXXX XXXX, maintaining a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The sudden and dramatic decline in my creditworthiness due to XXXX 's error now threatens my ability to retain this clearance, thus jeopardizing my career. Moreover, the adverse effect on my credit has forced me to acquire new accounts with high-interest rates, causing financial strain and unnecessary expenses. I demand an immediate and thorough investigation into this matter. It is imperative that XXXX rectifies this situation promptly by removing the incorrect debt from my credit report and taking appropriate steps to compensate for the damages caused. I expect clear communication regarding the progress and resolution of this issue. I would appreciate a written response within 30 days of receiving this letter, outlining the steps taken to address and rectify this matter. Should this issue remain unresolved, I will have no choice but to escalate my complaint to relevant regulatory bodies and pursue legal action to protect my rights and rectify the damages caused. I trust that XXXX values its customers and strives to uphold its reputation for excellent service. I hope this incident can be resolved swiftly and fairly, allowing me to continue my professional obligations without unnecessary obstacles. I look forward to your prompt attention to this matter and a satisfactory resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Complaint against I.C. System, Inc. Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against I.C. System, Inc. for multiple violations of consumer protection laws. The company has failed to comply with the following regulations : 1. I.C. System, Inc. has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) but has placed a collection on my consumer report. 2. I have not been allowed to dispute the account per 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 3. The collection agency has engaged in misleading, false representation, and deceptive practices, violating my consumer rights. 4. They lack the authority to furnish any account to a consumer reporting agency without fulfilling all necessary disclosures as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 5. I dispute owing all debts and hereby revoke any authorization for communication via email, text, or calls. I request debt validation. 6. Additionally, I request the purchase agreement between the debt collector and the original creditor. 7. Furthermore, I demand proof of licensing and bonding from I.C. System, Inc. I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against I.C. System, Inc. for their unlawful practices. I am seeking resolution, validation of debt, and protection of my consumer rights in this matter. Thank you for your attention to this complaint. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-06
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2024-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: IC System never contacted me. I do not have any signed contract with IC System. They are reporting an alleged debt that is covered by my XXXX XXXX XXXX and trying to collect on it. I have sued and won many times in federal court against this company. I will be reaching out to my attorney for a class actin against IC System.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' I C SYSTEM and ATT U VERSE is a financial institutions by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I C SYSTEM and ATT U VERSE the financial institutions, and consumer reporting agencies XXXX and XXXX do not have my written consent. Any and all consents to XXXX, XXXX, I C SYSTEM and ATT U VERSE whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option., I C SYSTEM and ATT U VERSE never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91103
Submitted Via: Web
Date Sent: 2024-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A