Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. Account Name : I C SYSTEM Account XXXX Please remove it from my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX stated i never took back there equipment but i personally dropped it off at their office in XXXX arizona. It was time to close so the sales associate stated just to leave it and we do not need a receipt. I called they stated they never got it ; they tried to track it and they stated its fine ; you dropped it off you will be okay. Then i got calls at all times of the day for IC systems stating i have a collection with debt. I.C. system stated they would clear my report if i pay ; they were supposed to send something in writing they never did. I paid the debt and i never heard back ; the collection is on still on my account and i am hurting because of this. I can not buy a house, car because my credit is being affected
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: The account I am disputing do not relate to any transactions for which I am liable. I already sent letters of complaint but no response has been received.
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: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32073
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX stolen my XXXX XXXX and trying to force me to pay them for the XXXX XXXX which was returned back to them in working condition. XXXX XXXX is trying to collect on a return XXXX XXXX ; the XXXX never worked on their network, I asked to return the XXXX XXXX which was approved by a XXXX XXXX who created the return label, the shipping company was XXXX, the XXXX XXXX was delivered on XX/XX/2022 XXXX. I am receiving repeated collection calls, texts, voice mails, and emails from XXXX XXXX about this XXXX XXXX which was returned. When I call XXXX XXXX the rep from the call center always act as if I never returned the item or they have received the item and will process a credit to my account which never happens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31520
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX have hit my credit report for $ XXXX I have disputed it many times and nothing is getting done about it and its still affecting my credit!! That account was not opened by Me! I need help getting this resolved!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: IC System is trying to collect a debt that XXXX XXXX XXXX has placed with them. XXXX XXXX iis commiting fraud as he misled my wife to bring my XXXX XXXX XXXX for a visit on XX/XX/XXXX. He confirmed he accepted XXXX XXXX and the visit would be covered. He fraudently diagnosed the visit for a XXXX XXXX although my daughter had an XXXX and XXXX XXXX We have XXXX XXXX XXXX ( so why would i got to XXXX XXXX XXXX who is an XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX confirmed the below two cases, when i asked fo review of the claim XX/XX/XXXX XXXX XXXX ( reference number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$170.00} ) and billed for XXXX ( {$60.00} ) - Total {$230.00} ) Submitted Appeal - Explaining the context of visit and that i have XXXX XXXX and while Vision is not a covered service, I went to doctor for an XXXX XXXX Doctor has to billed XX/XX/XXXX Appeal was approved. Same outcome with claim getting processed as XXXX XXXX. XXXX ( Supervisor - XXXX ( EXXXX XXXX XXXX Ref # XXXX She will review with appeals team and revert on what is the best action forward I have also submitted a complaints to Board of Medical Examiners, a subsidiary of the New Jersey Division of Consumer Affairs. Division of Consumer Affairs State Board of Medical Examiners XXXX XXXX XXXX XXXX, XXXX XXXX I let IC System agent know that XXXX XXXX has reviewed the claim and determined inconsisent claim information provided XXXX XXXX XXXX XXXX. In addition, i have filed a complaint with NJ Division of Consumer Affairs and as per Fair Debt Collection Practices Act ( FDCPA ), i should not be harassed for the fraud that XXXX XXXX XXXX is committing...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a collection company reporting I owe on an account that doesn't belong to me. They say the service is for an address I've never lived at and its during the time i was serving over seas. I've tried calling XXXX the original company and they don't have any information so I called the collection company IC systems and they said I need to send then proof that it's not my account but how can I prove something isn't mine when it's not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: IC Systems and XXXX have been provided the Identity Theft report regarding an account that was the result of ID Theft.
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: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A