Date Received: 2022-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I.C. System, Inc has an alleged debt claim against me in the amount of {$200.00}. The Reference Number for this alleged debt is XXXX. Furthermore they have reported this alleged debt to the Credit Bureaus XXXX XXXX ) under account # XXXX. As of yesterday, XX/XX/XXXX, I have sent them a total of XXXX Debt Validation Letters through the United States XXXX XXXX, and spoke to their Supervisor XXXX XXXX on the phone to no avail. They have failed to removed this alleged debt off their records and continue to report me to the credit bureaus. As of today, XX/XX/XXXX, I have mailed them yet another debt validation letter through the post office. I've also emailed the following I.C. System Inc, employees about this alleged debt with copies of my debt validation letter and an identity theft report from the FTC. They include : XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX of XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - Operations Supervisor, XXXX XXXX - Operations Supervisor, XXXX XXXX - Operations Supervisor, XXXX XXXX - Senior Vice President of Business Development, XXXX XXXX - XXXX XXXX. Under the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to protect my rights with accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I.C. Systems has failed to do this. They've also neglected to call me on my phone, email me, speak to me in person, or mail me notice of this alleged debt to my current address, or my previous address as well. Had they done so under the FCRA guidelines, I'd have responded sooner to this alleged fraudulent debt. I.C. System, Inc has violated my rights repeatedly and with impunity over a debt that is not mine. They claim the debt was incurred at an address I never lived at. I.C. System has also been complicit in lying about the validation of this debt to consumer reporting agencies like XXXX. Since XXXX, XXXX I have mailed XXXX dispute letters to XXXX, along with filing disputes online with the agency and over the phone. Every dispute ends the same way. XXXX claims that I.C. System provided them with proof that I owe this debt, yet neither company has ever released that information to me. I.C. System and XXXX are violating my rights under section 609 of the Fair Credit Reporting Act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. There is obviously some type of fraud going on with I.C. System and I request an investigation into this right away. I have uploaded a copy of the 3rd letter sent to I.C. System along with a copy of my Identity theft report filed with the FTC. I ask that XXXX and I.C. System provide me with verifiable proof of this fraudulent debt so that I may continue to pursue my legal case against both companies if this matter is not resolved in a timely fashion. I.C. System can not hide from me anymore. What they are doing to me is a testament to the unscrupulous practices being implemented at that company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
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 account I C SYSTEM XXXX balance {$210.00} 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 XXXX XXXX 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 XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX 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 director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, 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 an fdcpa lawyer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a total of six validation requests but I never received a response from this company. My initial request was on XX/XX/2021 but nothing has been done. They are reporting an inaccurate account with both an " Open '' and " Closed ' status. This doesn't make any sense and it's been months like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: XXXX $ XXXXXXXX XXXX XXXX I don't use it an I told them this time after time Ic system XXXX $ i told them I never use are signed up for anything I disputed both of them but it still on my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Back in XXXX / XXXX. Someone took out phones in my name with XXXX and XXXX. I alerted the police during that time, disputed the accounts, and put fraud protection on my account. I have only have a phone with XXXX and any accounts I have are all in good standing. Those accounts were investigating and removed and I see recently the companies to to be under a different account and back on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10037
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FRCA Violation credit card XXXX XXXX FRCA Violation collection I.C. SYSTEM, INC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have reported on my credit report that I opened an account with their client XXXX in XXXX of 2020. They are now collecting on their behalf. That is false. It has been over seven years since Ive had cable with XXXX and by law they shouldnt be reporting anything on my credit report. Especially since its been over seven years that illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 658XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: ic System sent collection letter XXXX, for Creditor : XXXX XXXX for {$270.00}. This is the 3rd company contacting me. IDENTITY THEFT My 2020 income tax returns were stolen from US mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is concerning a XXXX hospital bill and XXXX prior to admission. However they claim the hospital doesn't pay the doctor, who has to separately bill? Insurance information wasn't even provided to them. This occurred a year ago exactly. XXXX has a XXXX bill including what they are trying to separately double bill for. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I provided my insurance information to XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX the debt appeared on my XXXX XXXX and XXXX credit report harming my scores drastically. I have perfect credit! The dates in question and XXXX visit appear on XXXX invoice, stating Not A Bill. This appears to be an attempt at Fraud towards a protected class. It makes no sense that billing would occur this way, when insurance is provided at time of service. To retaliate by impacting my credit when I'm insolvent anyway but have full insurance is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A