Date Received: 2022-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Called IC system on XX/XX/2022 in reference to a balance they keep reporting for XXXX for equipment I returned the equipment a year ago and dont owe anything I even got a letter from them stating they will removed it ..its still on my account and it has not been removed. The balance is XXXX for equipment from XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I received a notice to collect a debt from I.C. System Inc suggesting that I owed them a debt through their client, XXXX. The notice did not have a date to signify when the notice was written or sent and requested that I respond by XX/XX/2022 or the debt for the amount of {$1100.00} would be assumed valid. On XX/XX/2022 I received a " Settlement Offer '' dated XX/XX/2022 from I.C. System Inc in an attempt to settle the debt for 70 % of the balance due, which was bumped up to {$1200.00} with no explanation. They still had not verified the debt at this time. On XX/XX/2022, I sent I.C. System a notarized Request For Debt Validation letter outlining my rights as a consumer to have the debt properly validated pursuant to FCRA [ 15 USC 1692g ] and to help them out I listed all of the items they are required by law to send for debt validation. I sent this notice via certified mail ( tracking no. : XXXX XXXX XXXX XXXX XXXX ) with a green return receipt. My letter was verified as delivered through tracking on XX/XX/2022 to the XXXX XXXX XXXX I.C. System provided in their notices ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The return receipt never made it back to me. However they did receive my letter, as they responded to it within the given time frame. On XX/XX/2022 I received their only response to my Request For Debt Validation to an address that was not listed or authorized by me. The address they sent the response to is a relatives home, not my own. The response that was attached was a phone bill from XXXX for {$1200.00}. A bill is not proper validation of a debt according to XXXX XXXX XXXX and I.C. Systems has violated my rights pursuant to 12 CFR 1006.34 ( c ). They have failed to provide all of the required documentation as per my request under the new rule Regulation F and Validation of debt XXXX XXXX ( c ). During the time of the dispute I.C. System Inc took no action to delete the debt from my consumer report nor at the very least did they take action to update my consumer report to reflect that the account was in dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried to Dispute 3 multiple times via XXXX, theres no response and every time the Dispute gets updated and never gets deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I.C SYSTEM is reporting a debt to the credit bureaus that does not belong to me. I am a Texas resident and have been the last 5 years. The debt I.C SYSTEM is attempting to collect on is a from Missouri utility company ( XXXX ). I do not live in Missouri and neither do I have business in Missouri. This collection account ( Acct : XXXX ) has really hurt my credit. I would like validation of this debt by sending me a original consumer contract with my signature on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: {$770.00} being reported as delinquent when I didnt contract with this agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have filed numerous disputes with the credit bureaus about these collection accounts that are not mine. These companies keep hopping from credit bureaus to bureaus and reporting the informations that was already disputed and removed from the previous bureaus. Its already difficult enough as a identity theft victim but to constantly have to dispute the same information over and over is very unfair and difficult.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX did not appropriately investigate a falsely reported collections account from XXXX XXXX I do not owe any balance to the original creditor. I asked XXXX to have the original creditor provide the original contract and proof of balance owed. I have attempted to dispute this twice through the XXXX dispute process online. In addition, I have called XXXX to inquire about the investigation. I was told by the XXXX representative XXXX, that the collections company only verified that that I was the account holder by my name, date of birth, etc. They weren't asked to provide any other proof of the balance owed. I was told by the XXXX representative that they do not ask for any documents from the collections agency to prove the debt reported on the credit report. This collection attempt has already been removed from another Credit Bureau successfully.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX XXXX XXXX is trying to charge me for services that i did not need. The policy was too expensive and I moved they didnt have banfeild where I was. I called them after not taking my dogs there for months and still being charged. They in turn called incessantly and now have sold My personal information to a third party without my consent or knowledge. IC solutions who have now reported the same account to collections 2 times on the very same day. As a result I have XXXX separate derogatory hits to my credit file and my score reduced significantly. This is not only illegal but unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I would like to start by saying I've personally never done business with IC SYSTEMS. Ive never heard of the company ever. Im not sure how they have obtain my personal information but they are pursing me heavily regarding an debt owed for what? Im not really sure. It says XXXX XXXX attached with IC SYSTEMS on my credit report .Ive disputed this twice and I recently wrote this company to help me resolve this matter. They responded with an offer to pay half of the debt that was written on the letter sent to me saying I owe them. Ive never done business with this company and I do not owe them any cents of any dollar.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since 2020 I.C System has been reporting a collection of XXXX $ on my file. I've disputed this several times we both bureaus, I've never done business with this company not sure how they recieved my information. this company is hindering me from extending credit.They are sending me mail to collect a debt that I do not owe. this has stopped me from renting housing, loan approvals, vehicles etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A