Date Received: 2022-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX has continued to attempt a " debt '' of XXXX that they claim I still owe for when i had their internet services. This was an equipment rental fee. However, both pieces of equipment have been returned to them via XXXX as of XX/XX/XXXX. Copies of the XXXX receipt have been sent to each " debt collector '' that XXXX uses, and still I am getting letters stating I owe for unreturned equipment. Latest company ( as of XX/XX/XXXX ) is called I.C System, i have tried to call and the number is not working, i tried to email and email bounces back... website only allows for you to choose reason of dispute but no attachments. This is the 3rd company that has now tried to collect a debt I do not owe, and yet here I am trying to get this resolved AGAIN
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: This company IC system brought my debt from XXXX telling me that I have to pay them that I owe them money And they have put it on my credit report which is causing me and my family not to get a loan for a vehicle or Any personal loans I do not owe these people I've never seen any agreement with these people And it's against the law for someone to sell anybody my debt yet I want to put me in debt to cause my credit score to go down
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am in receipt of your letter claiming that I owe your company for a debt. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. I have to date, received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation as evidence of this alleged debt. As per the FDCPA, it is a violation for any debt collector to pursue collection activity on an account without notifying the debtor in writing within five days after any communication. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with proper proof, then you must stop attempting to collect this alleged debt. If you continue to claim I owe a debt that you can not confirm with proof, then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is not a printout or bill from you but instead actual proof of the debt 's existence. Remember you never gave me a chance to dispute the debt before you put it on my credit report without my written consent according to Gramm-Leach-Bliley Act & FCRA Law & FDCPA Law. Sincerely
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92653
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: my review was completed and ignored in less than XXXX hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33809
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
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: Please remove and suppress this account, no knowledge or contract with this company 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. Please remove for innacuracy XXXXXXXX XXXX XXXX - summary XXXX XXXX XXXX Account Number XXXX Original Lender XXXX XXXX Name I.C. System, Inc Date Assigned XXXX XXXX XXXX Original Balance {$1500.00} Current Balance {$1500.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Account Information Disputed By Consumer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Company reached out to me in regards to a debt that I did not have any prior knowledge of. Company fail to disclose any information other than an address associated with the debt, where I never lived or had any association with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: IC System reported a missed payment on a debt I didnt know existed, after finding out I am a XXXX XXXX recipient and they could not get money judgement. IC System asked me to file police report, but police said stall tactic by XXXX and XXXX. XXXX has never sided with person over corporation and they did not address complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone used my identity to open a mobile account, Ive included the accounts in my FTC fraud report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A