Date Received: 2022-06-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In accordance with the fair credit reporting act, XXXX. XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 604 Section 2 States I have the right to privacy 15 U.S.C 1681 604 Section 2 It also states a consumer can not furnish an account without my written instruction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34986
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I notified IC Systems , Inc. in writing on XX/XX/XXXX that the amount of {$96.00} they were attempting to collect from me on behalf of XXXX XXXX XXXX was an erroneous charge. I sent them proof of mailing that the XXXX equipment was returned as required via XXXX on XX/XX/XXXX. The receipt documented the serial numbers of the equipment I returned. Despite this, I continue to receive harassing phone calls, first from XXXX XXXX XXXX in XXXX and now from IC Systems demanding payment. My efforts to resolve this dispute directly with XXXX XXXX XXXX were unsuccessful. XXXX said they would only correct it if I agreed to resubscribe to their cable service, which I refused. IC Systems submitted a derogatory report to the three credit reporting companies : XXXX, XXXX, and XXXX, on XX/XX/XXXX and XX/XX/XXXX resulting in damage to my otherwise excellent credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Having some issues with XXXX retail store. Rep/store manager was named XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX United States XX/XX/2021 I went to check coverage for my home to switch from XXXX. The store manager XXXX promised they would have better service and that I could bring my own device and get a {$450.00} credit with no contract but had to pay a {$120.00} connection fee. Also confirmed that I could cancel once the credit was used which she confirmed. Around XXXX I did just that but a month later I got a bill from XXXX for {$550.00}. Contested and XXXX pointed me back to the store, store pointed me back to XXXX and now they've sent me to a collection agency. Confirmed the agency wouldn't ding my credit store and they said they wouldn't as " XXXX run their own credit score '' and surprise surprise they dinged it last month. Talked to the regional manager for Texas XXXX ( XXXX? ) today and he's now trying to say they aren't at fault. Told him I need a letter head stating what his store manager sold/told me to work through it with the collection agency. Also posting this on XXXX reviews
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78006
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Consumer Finance, I have contacted I C SYSTEM who is the creditor for XXXX XXXX in the amount of {$3400.00} and asked them to verify if account is mine. I have contacted the 3 credit bureaus, as well as IC System, to validate this debt is mine, and they have failed to show proof. To this complaint I will attached the letters sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I filed a complaint with XXXX asking for debt validation company failed to validate debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I previously filed a complaint on XXXX/XXXX/2022 with the CFPB against IC SYSTEM that was closed without any attempt of an investigation into the matter at hand. This organization violated federal law and continue to ignore any actions that are taken by me. Its been 29 days and I have not received a single piece of mail from IC SYSTEM and I do not understand how or why this is allowed to happen. IC SYSTEM posted an unverified collection to my credit without allowing me the opportunity to dispute the debt. Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I. C. System Inc. XXXX XXXX XXXX XXXX XXXX, Mn XXXX RE : Your Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fl. XXXX XXXX I XXXX XXXX Creditor to IC System Inc./Debt Collector Stop communicating with me regarding the above-referenced account. I refuse to pay this alleged debt. I don't know IC System. I never had any contracts/master purchase/ bill of sale/ assignment/terms and conditions/promissory note/ no bindings to pay any debts to/with IC System. I do not owe IC System any debts or fees. If IC System is buying paper in an attempt to collect debts from consumers without any written contracts/agreements I have no part in that. Cease all communication with me, my family, my friends, and all Consumer Reporting Agencies as soon as possible. Otherwise, I will consider this aggregated Identify Theft as I never gave my written permission for your agency to have my personal information nor to contact me or publish anything about me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This I C SYSTEM account with a balance of {$70.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX sent IC System after me a year after I closed my account, claiming I owed XXXX {$59.00} for equipment that I returned to the XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX made no prior attempt to contact me via phone or email prior to sending a debt collector after me, and I no longer have the receipt for equipment return because I thought this was finished over a year ago. I disputed the charges and explained I returned the equipment to their facility. I noted that they have not itemized the equipment so I have no idea what they are even claiming I kept. I have no reason to keep the equipment because I moved to an area that XXXX did not service at the time I moved, I have a high XXXX XXXX, and have always paid my other debts on time. I told XXXXIC System to cease & desist and they are continuing to harass me. They filed a collection with the credit reporting agencies, whom I had to contact to have the collection removed ( which they did ). Please see the attached letter for my correspondence with XXXX ( XXXX XXXX ) and with the credit reporting agencies ( XXXX XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A