Date Received: 2022-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and I.C. systems, I'm enforcing my rights and demanding they CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ) 3 ) I as a consumer have the right to PRIVACY and I.C. systems violated 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT. I the Consumer/Beneficiary demand account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section. Reference # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Old XXXX XXXX account removed then reappeared as open its inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company I C System Inc has falsely claimed that I owe an outstanding amount from XXXX XXXX regarding an account that I never had. Ive never had XXXX and I have verified this multiple times. It is under an address that I have never lived at and opened during a time where I lived at another address. I C SYSTEM INC Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a unpaid XXXX account that closed XX/XX/XXXX. Credit report renewed account as of XX/XX/XXXX and dropped my credit score down all the while renewing the 7 year countdown. I contacted XXXX who contacted the collection agency and asked them to change the account dates on my credit report to the correct date of XX/XX/XXXX. XXXX sent me a letter showing my account closed on XX/XX/XXXX. Nothing was fixed. I contacted ic systems and asked them to fix the date they refused stating they are allowed to renew the date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: An account for XXXX XXXX keeps appearing on my credit report and keeps making my credit score go down. This is NOT my account. I called the collection agency that was listed and they told me that I had services in XXXX, FL and I told them that I have never lived in XXXX, FL ( where the service emanated from ). I have lived in New Jersey my entire life and I never live in any part of Florida. The amount of the debt is {$750.00}. I also filed a dispute with XXXX and they said they have verified this debt as being correct. I disputed this same account twice before with XXXX and both times they were removed from my account because they were found not to be me and considered to be FRAUDULENT. It is now appearing again on my account and I need it removed. I have sent XXXX information again stating that I have never lived in Florida ( which they also matched against my credit report and verified ) and I have also sent information to I.C. Systems, Inc. who said they would FLAG the account as being FRAUDULENT. I have absolutely NO bills that have ever emanated out of Florida. I really need this permanently deleted from my credit file. PLEASE HELP! Thank you. Information : Original Company : XXXX XXXX XXXX XXXX : I.C. Systems, Inc. Amount : {$750.00} Date Opened : Can not see those details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was a XXXX customer for XXXX. We used their service yet reported on numerous occassions that we wished to cancel their services for killing our grass. We stopped using them XX/XX/XXXX. We moved to XXXX XXXX and sold our home in XXXX XXXX XXXX said they treated our former XXXXXXXX XXXX home twice in XXXX. After several calls, they agreed to remove the charges. I received this collection notice from I.C. Systems Inc., XXXX XXXX XXXX, XXXX XXXX MN XXXX for {$56.00} I am XXXX XXXX XXXX and believe this harassment for an attempt at collections is a violation of XXXX XXXX - Financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29650
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX has employed unified billing for tv, internet and telephone. When I closed my account- their customer service let one of the service run without my consent or knowledge and they attempted to collect this small debt. I had paid them thousands of dollars in fees on time. Yet because of their customer service mistake- they continue to demand that i owe them XXXX dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Letters were sent to the company on XX/XX/2022 as well as to XXXX in XXXX and XXXX to correct this account. There has been no response from the bureau or the company in reference to this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28328
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A data breach within XXXXXXXX XXXX took place in early 2020 resulting in fraudulent activity using my social security number. I was notified of the breach but discovered my information had been used when a XXXX account was sent to collections and my credit report in the amount of {$4900.00}. I immediately called XXXX to dispute this and was told it would be investigated and taken care of. I attempted to file a police report but every city or county I called sent me to the next one. I am attaching a link with the data breach info as well as a screenshot of the debt on my credit report. https : XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A