Date Received: 2022-12-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX, has violated my rights. XXXX. XXXX, XXXX XXXX, has violated my rights. XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The information provided to me indicates that a collection agency named IC Systems Collections sent an account of {$1300.00} to collections. My records indicate this was done on XX/XX/22. The original creditor is listed as XXXX. I have never interacted with XXXX. I have never bought anything from them, nor have I used their phone services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a notification that I have been turned to collections by XXXX XXXX XXXX for unpaid accounts. I did not open the accounts and have been a victim of Identity theft. I have disputed the accounts withe XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX has a total of 7 different collects reporting to my credit file. I have no knowledge of this account. I havent had any sort of medical treatment since XXXX I have disputed these collections on numerous occasions and havent gotten any results. These charges have adversely caused me hardships, as Im unable to utilize my credit and provide for my family adequately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I am a victim of identity theft. The information listed below, which appears on my credit report Enclosed are the following : A copy of my credit report I received from credit bureau. The fraudulent items are marked down.XXXX XXXX XXXX XXXXI C SYSTEM ( Original Creditor : 11 XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ) OR EMAIL XXXX Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33990
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My credit report was ran and a collection from Ic Systems Inc representing XXXX a gas and electric company came up on my report. I got this information from XXXX XXXX XXXX XX/XX/22 So on XX/XX/22 I called Ic Systems Inc and they wanted me to pay {$470.00} to get the debt taken care of which is not my debt. I called XXXX myself and they never sent anything to a collection agency. I have XXXX XXXX the lady I talked to at Ic Systems Inc ) my bank card to put {$1.00} and my social security number to pull up my account. I believe this is a scam so I cancelled my card I gave her.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I have been contacted by XXXX and talked to abusively by their executive liason. In addition, I have been receiving collection calls after XXXX XXXX from IC System Inc. I am requesting that these companies no longer contact me. I don't owe {$27.00}. How embarrassing for these companies... they spend more money in labor trying to collect a fraudulent bill from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting act XXXX account # XXXX, XXXX, XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Disputes provided by credit bureau XXXX are not allowing proper or legitimate use of it product. XXXX has a process in drop down box format with options whichever best describes your issue as choice option. Not one option listed states " address dispute '' but however XXXX is stating to the creditor that I am disputing my address. I am not disputing my address but I am disputing an identification process in which the creditor can not prove identification such a simple state i.d document or license verification. However XXXX is ignoring my request for an identification request from the creditor which violates my FCRA rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A