Date Received: 2022-08-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX l took a look at my credit report and noticed a collection account was fraudulently reporting on my personal credit report. I immediately called XXXX to let them know that this identity theft collection account " '' Att U Verse / I.C. System INC ... is a fraudulent account n it does not belong to me. The company I.C. System INC. Has fraudulently given XXXX wrong information about an account that l never had. It's fraud. This fraudulent collection account is sitting on my report and ruining my good name... and l want it removed please because it does not belong to me. XXXX has not removed this fraudulent collection acount from my credit report as of yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100 % accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: IC System at XXXX XXXX, MN XXXX, has been sending me collection notices in the amount of XXXX 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: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the fair credit reporting act XXXX account I C Systems Collections, has violated my rights in Pursuant 15 USC 1681 section 602 A states I have the right to privacy. Also violated is 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/ instruction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
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: I had to use the services of XXXX and their baiid machines. After I recieved notice from the state of Illinois that I could have the device removed I contacted XXXX and I set up the device removal and I paid my administrative closing fee to close my account. Later thay evening I found someone who did mobile removal of devices and I paid them to come remove the device and opted to use them instead of waiting another 2 or 3 days until my removal was scheduled. Nothing states that I couldn't do this and was ready to get the device removed. The guy said I would be receiving an email with my reciept and a return label to send them back their device. This was on XX/XX/XXXX. The same day I paid my closing fee. I hadn't heard anything by XX/XX/XXXX so I decided I'd log into to their website and message them and ask about my reciept for removal and the return label. An agent of theirs closed the conversation without even sending any response, this was after I recieved the notification the message had been read. I then sent the message again and got an automated response stating no agents were available so I left another message stating someone needed to call or contact me about the return label and reciept. I didn't ever hear anything until I recieved a notice of an almost XXXX dollar. They originally claimed this was for using their services and they were somehow unaware the device had been removed from my vehicle. This is all after I settled my last bill and closed my account. They kept billing me for services after I closed an account and hadn't been using their services. Upon them learning that my device has vern removed they stated the charge was for using an alternative removal method and then said it's because of a non returned equipment. They just sent me the return box a few weeks ago but have told them I want the bill wiped out because I'm not paying for their own negligence and failure to send the label i asked about and got ignored and was comepletely disregarded vby one of their agents. I am.not paying them a XXXX because they have already done their fair share of shady practices to extort extra money put of me and I have proof of this. They would schedule my maintenance o. XXXX when they know the shop I used was closed on XXXX. I even reached put to the shop the following Monday and they never recieved any work order for my vehicle so the company was lying XXXX atkeast 2 occasions saying I was scheduled on Fridays and when I'd go the shop would be closed. That resulted in me getting locked out of my vehicle which then requires a lockout fee of around XXXX bucks to be able to drive again. I caught then redhadned by asking the shop about work orders before talking to XXXX. I provided proof of this experience for my disputes as well and XXXX is failing to see my account was closed on XX/XX/XXXX when I paid my closing fee and had the device removed. They also fail to acknowledge the shady practices used by the company to extort additional fees and that the charges all came after I had closed my account and was no longer a customer using their services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61554
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was notified by my credit card company, who monitors my credit score, that I had a > 120 day derogatory statement added to my report. I have excellent credit history and always pay all of my bills on time and in full. When I looked into the matter it was for this debt collection agency I had never heard of, I.C. Systems. When I went to their website I could only file inquiries if I had an account number with them but I do not have this as they have never contacted me. This debt collection is for a total of {$88.00}, the absolute lack of warning that this account was due at all, followed by the very significant overdue derogatory mark placed on my credit score and coupled with the incredibly small amount of debt owed is in my opinion poor company practices. At this time I have filed a dispute with the credit bureaus and will be mailing them a formal dispute letter this afternoon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12309
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I've called, physicalled mailed and digitally filed a dispute letter with I C Systems and all three credit bureau 's to have the account removed because neither the company or the credit bureau 's have been able to show that the account belongs to me for over 8 years. I have the USPS Tracking # 's Agent 's name, date, time and confirmation #
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Sent a formal request for validation of the debt in the form of a written contract or agreement on XX/XX/XXXX, which has yet to be provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXX I C System Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell XXXX XXXX Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies are targets.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 I sent a debt validation letter requesting validation that is competent evidence bearing my signature, showing a contractual obligation to pay this debt collector. On XX/XX/2022 I received a one page document with an address not belonging to me and a similar name as mine. As a result, on XX/XX/2022 I sent a response to their correspondence acknowledging their failure t o proved me with a copy of viable evidence, bearing my signature, showing the account is being reported accurately AND belongs to me. It is now XX/XX/2022, I have not received validation. I am demanding the immediate deletion of this reporting from all consumer reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A