Date Received: 2022-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have made several attempts to remove this XXXX collections from my credit report, It's not my account, they have sold the file to a third party called I.C.systems.inc that has tried to get me to settle something that doesn't belong to me, the date they reported the account was opened is XX/XX/2021, for a charge of $ XXXX want this removed from my credit report..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently checked my credit report history and seen there was inaccurate information on my account in regards to XXXX I did not sign for nor I did agree to this account being open i am filling this complaint to ask that it be removed from my credit history the account number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45013
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX breach and may have got into the hands of the wrong person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: i want them to remove all these accounts from my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This has been going on for over 2 years now. XXXX is trying to collect a " debt '' that doesn't exist. On XX/XX/XXXX I moved to another address, and completed a " transfer of service '' from my old address to the current one. When I first received a notice that I owed a past due balance ( this was around XXXX of XXXX ), I called XXXX and they apologized for the inconvenience, and assured me that the balance would be removed. Several months later, I got a similar notice. I called XXXX again. They advised me that there was no balance showing on the account for ANY of the previous addresses, and that I should disregard. Fast forward to mid XXXX, I start receiving notices from XXXX XXXX XXXX ( Debt collector associated with XXXX ) that I owed over {$400.00}. On XX/XX/XXXX, I filed a complaint with Consumer Financial Protection Bureau and on XX/XX/XXXX the issue was supposedly resolved. XXXX XXXX stated this in response to the complaint I filed : " ... .In response to this complaint, XXXX XXXX has closed this account in our office and returned it to XXXX XXXX If you have any further inquiries regarding this matter, you may contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns .... '' Now, I'm getting a notice from I.C. System Inc for the SAME EXACT THING. I do NOT owe XXXX any amount of money. They are mistakenly trying to collect a debt that I do NOT owe. They have told me SEVERAL times that " this issue would be resolved '' or " I don't see any past due balances on your account '', etc FOR OVER 2 YEARS NOW.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90504
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I.C. Systems IncXXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Reference # XXXX XXXX has been sending me collection notices in the amount of {$720.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To whom it may concern, My daughter had to have XXXX XXXX XX/XX/2017 at the time we lived at XXXX XXXX apartments. I was " Co Applicant ''. I knew at the time we moved in XX/XX/2017 that we would be moving or relocating to lower level or moving entirely and only be there no more then 6 month 's also knowing the Applicant was staying in the apartment anyway after I left. My daughter could not recovery going up and down steps. the office knew this at the time of move in this was coming. XXXX XXXX is a friend of mine and he knows my daughter went through this as well. I have sent certified letter to all 3 Bureaus with proof and have made several attempts to get this off my credit report and disputes as well, with this still not resolved. I have sent as proof and email giving my 30 day notice, proof of my daughters XXXX, time and date etc. I need this off my report, my daughter is now XXXX will be going to college and I am a single mother hoping to send her to college by knowing I will have to take a loan out for that expense. please help me resolve this or at least direction. Best regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27012
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never had an account with XXXX. This is fraud. I tried to resolve this on my credit file in 2020. This fraud is now being pursued by a new debt collector.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I C System, Inc is trying to collect a debt for XXXX. I have never had a XXXX account. It was proven and removed from from my credit report in XXXX of 2020 and now its back on there. I explained to the rep what happened and he still tried to convince me to pay it. I had to hang up on him because he became rude.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A