Date Received: 2022-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: IC Systems Inc has reported an alleged debt on my credit report that I do not owe them. This debt is hereby disputed and I request validation and proof of claim within 30 days. Per the FDCPA the selling of debt is illegal and I am refusing to pay this alleged debt. I am requesting cease and desist of any negative further credit reporting. Please see the attached documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A collection was put on my credit report on XX/XX/XXXX from I.C. Systems Inc stating I owe {$610.00} to the originator of the debt XXXX. I paid XXXX {$610.00} and as a result the previous company XXXX XXXX a different collector for XXXX updated the collection on my report on XX/XX/XXXX and deleted all collections on my account. This debt was paid directly to XXXX. Why am I being harassed by phone from I.C systems inc. Also my credit score has decreased and I have been trying to build it for 2 years this is unfair and unacceptable. XXXX is sending another collector after me for more money after I paid them in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48198
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: asof XXXX I owed XXXX to Florida XXXX XXXX XXXX. I had a conversation with someone at Florida XXXX XXXX XXXX to give my forwarding address for final bill. I asked about my deposit I beleive is XXXX, she told me that the deposit would be applied tothe final bill and I would receive an updated bill to pay. Today I.C. Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ph # XXXX sent me by mail a collection notice for XXXX. Kind regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am not even sure where this debt came from but my wife was deceased in XXXX and many Identity thefts went on so this is identity theft again. They have not contacted me back and I see them listed on my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I C Systems has violated my federally protected rights. I did not receive a notice of dispute before furnishing the negative tradeline on my consumer report. This is an alleged debt and I am not paying you for it as that is my right under the FDCPA. You are now on notice to Cease and desist communication from me from all mediums including my consumer report. Failure to comply will result in me pursuing litigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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. , 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 XXXX 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, mental 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. On the date XX/XX/2022 XXXXXXXX XXXX agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I downloaded XXXX XXXX & noticed that I have a DEROGATORY MARK!? from debt amount owed to XXXX, so I looked into it further & it was submitted from the XXXX XXXX XXXX XXXX. {$150.00}. So I disputed because if & when I even had this appointment -I HAD/HAVE insurance.. & it definitely would have been covered under. So I filed a dispute because when I researched further the date of service is a date I didnt even have an appointment on..?! So I kept disputing & they made their decision - from documents or info provided by the company so now I am stuck with a derogatory mark for reason unknown! I had no clue of this until downloading XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72223
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The company I C Systems has reported derogatory information to the credit bureaus. I requested I C Systems to validate the account or remove the item from my credit report and they refused. I spoke to XXXX XXXX XXXX XXXX XXXX ) who refused to provide validation of the debt or prove that the debt belongs to me. This discussion took place on XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I cancelled my services with XXXX and they said i owed XXXX. I was driving when I was talking to them and could not retrieve my form of payment -- the phone rep. said he would call me back but never did so, I called them and they stated that my account was suspended but not cancelled so they continued the charges with no service. I had switched to XXXX XXXX XXXX. XXXX told me that i owed XXXX which was not correct. I have no problem paying the XXXX but i don't owe for services that were not rendered. I have no access to pay online on the account because when i log in it sends a code to the phone with the services. Since i have no service i can not retrieve the code. XXXX said that they can only accept the XXXX before they can discuss the account with me. They said they suspended the service in case i wanted to reactivate instead of cancelling service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71360
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a bill from ( I.C. System Inc. ) XXXX XXXX XXXX XXXX XXXX MN. XXXX For the amount of {$5200.00} on XXXX with my name and address. I did call and make a complaint to them and to my understanding they put it in their system as fraud. I spoke with customer service at XXXX XXXX and asked to speak with a XXXX and they wouldn't let me without giving my email. I asked for proof of the account and They didn't give me any answers. I live in Idaho, this is not my bill and I have never had XXXX XXXX The name and address of the original creditor is : XXXX XXXX XXXX HWY XXXX XXXX. XXXX MD. XXXX I Spoke with the XXXX and they said this creditor address doesn't even exist. I need my name and any information of mine cleared
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A