Date Received: 2022-09-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I moved back to the US after living XXXX for 4 years XXXX, and without US health insurance yet. But on XX/XX/XXXX, I had a necessary appointment with my XXXX XXXX XXXX and received a list of prices that would have equated to a XXXX XXXX dollars, but when the bill came in it was for {$3000.00}. On XX/XX/XXXX, I talked to the office Supervisor, XXXX XXXX, and asked how that was possible when nothing on the pricing they gave me even equated to {$1000.00}, and all I had was an initial consult and XXXX XXXX. The Supervisor apologized and informed me that I had been given the XXXX prices, and their prices had increased significantly in the new year, but she immediately contacted someone named XXXX XXXX and cc 'd me asking if they would please honor the pricing I had been quoted. I never heard back from XXXX, and on XX/XX/XXXX I was contacted by billing informing me that I was being sent to collections. I explained the situation, and they told me to email everything I had just said to XXXX to avoid being sent to collections and to have someone contact me about my case. I did this immediately after hanging up the phone, using the original email sent by the medical office 's Supervisor saying they gave me the wrong pricing ; replying all in addition to adding the customer service email. Again, I heard nothing back, and on XX/XX/XXXX, I went back to the office and once again spoke with the office Supervisor. She apologized and assured me that she was going to take care of it. In XXXX, I received a call from a collections agency stating that they had my account, again I explained the situation to them, and offered to send them proof. She assured me that that would not be necessary, and she would contact XXXX about the case. Today, I received an account validation letter from IC System debt collectors dated XX/XX/XXXX simply stating that I need to pay them the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I mailed a verifications f debt letter to IC Systems. On XX/XX/XXXX they signed for the letter that I mailed. To this date I have not received the requested verification of debt requested. The end of XXXX of XXXX I reached out to them via telephone to inquire about the verification request I sent because they were in violation of the fair credit reporting act after not responding within the 30 day time frame. I was advised by the representative that they forwarded the letter on to XXXX XXXX who was the original creditor but that they did not receive a response. I advised that they were in violation and therefore by law needed to remove it from all 3 credit reports. I was told that they would not remove it then they agent again attempted to collect on the debt. The amount of the debt shows to be {$950.00} opened on XX/XX/XXXX last report XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Similar to an unknown XXXX XXXX XXXX XXXX XXXX XXXX keeps harassing me about an unknown cable account. I've had these items removed previous and they change up the creditor name and amount to re-report and attempt to collect. I've called the number listed on my report and the numbers are disconnected. IC SystemsXXXX is one that's been removed from my report after informing XXXX of fraud/identity theft. It was removed back in 2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe any Debt nor Have I ever had an Account with " I C SYSTEMS COLLECTIONS '' I have Resolved this matter With the Original Creditor. To Whom It May Concern, I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS IS NOT MY ACCOUNT. ARGUES WHEN CONTACTED. ASKED FOR PROOF AND HAS NOT PRODUCED PROOF OVER 2 YEARS AGO. NEVER HAD CABLE OR SERVICE, I DO NOT WATCH TV. WAS IN HOSPITAL 6 TIMES DURING THE TIME THEY SAY WAS OPENED. I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX details 0 % of this account is paid off Balance {$520.00} Balance updated XX/XX/XXXX Original balance {$520.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2021, Amount : {$4600.00}. I contacted credit collection agencies and collection was removed and then reinserted under a different collection agency ( Three Letters attached ). I contacted XXXX XXXX Fraud Department. They advised to file a police report, which I did ( Attached ). The Credit Bureau 's never notified me in writing of the reinsertions ( See attached letters set to them : XXXX, XXXX, XXXX ). I attempted to submit Police report to I.C. Systems Inc ( Collection Agency ) online and an error kept notifying me that I needed to Prove I was not a robot and would not move me beyond that point to submit supporting documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX shows a date of being opened on XX/XX/XXXX in the amount of {$3700.00} and {$710.00}, which is incorrect I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX showing a balance still owed and this account has been settled. XXXX XXXX shows a date opened on XX/XX/XXXX in the amount of {$1200.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. I C SYSTEM shows opened on XX/XX/XXXX in the amount of {$1000.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX shows opened on XX/XX/XXXX in the amount of {$680.00} I did not open an account with this creditor in XXXX. If an account was opened in XXXX it is fraud. XXXX shows opened on XX/XX/XXXX in the amount of {$500.00} I did not open an account with this creditor in XXXX. If an account was opened it is fraud. Balance : {$220.00} unknown creditor XXXX : {$82.00} unknown creditor
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60538
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: [ XXXX XXXX XXXX # XXXX has violated my rights. [ I.C. SYSTEM, INC ACCOUNT # XXXX has violated my rights. [ XXXX ACCOUNT # XXXX has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX Under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92551
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, I C SYSTEM failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. I C SYSTEM Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A