Date Received: 2022-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never been contacted by, nor have I ever contacted I.C. System, Inc. or XXXX XXXX. I have never held an account with I.C. System, Inc. nor have I ever held an account with XXXX XXXX. On XX/XX/2022, I was notified by XXXX of a new collections account that was flagged by I.C. System, Inc on XX/XX/2022. I have no knowledge of this account. There has been no attempt made to contact me regarding this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The credit bureaus stated that I C System, was properly investigated, but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal, they also violated my rights under 15 U.S.C 1681 Section 604 A Section 2.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98204
Submitted Via: Web
Date Sent: 2022-04-27
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 is not yours
Consumer Complaint: I received an invoice from a IC SYSTEM ( debt collector ) representing XXXX XXXX dated XX/XX/XXXX offering to settle the amount of {$370.00}. I immediately called the customer service # on the invoice and was told that the outstanding debt was for cable service for 3 months in XXXX XXXX in XXXX, XXXX I explained the last time I lived in XXXX was XXXX, and can provide proof that I have resided in the state of XXXX continuously, specifically for the timeline the debt was being collected against. The customer service agent recommended that I file an ID Theft claim with them directly ( which I did on the call ) and to also contact XXXX XXXX and file the ID Theft claim with them as well. On XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Verification Team reached out to me via email and provided me [ Incident : XXXX ] along with instructions and a packet to complete within 30 days and a hard requirement for a police report which led me to ftc.gov since this is handled out of the state I reside in so that the XXXX XXXX division can begin investigating. I am asking you to assist in resolving this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2022-04-27
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 is not yours
Consumer Complaint: In XXXX, I received a solicitation for XXXX XXXX XXXX from XXXX. The solicitation offered a " discounted '' rate for a set number of treatments. I purchased a set number of lawn fertilization services from XXXX # XXXX. I submitted payment in full for the specific services requested. I did not request or authorize any ongoing service beyond the package that I had purchased. Nothing on the solicitation form indicated that I was signing up for ongoing service or automatic billing. I explicitly did not want ongoing service. Without my knowledge or authorization, XXXX saved my credit card information and in XXXX they started charging my card repeatedly for service that I did not request or authorize. The unauthorized charge was roughly double the rate from the XXXX solicitation. When I discovered that XXXX had been charging my credit card, I contacted their customer service immediately. The agent agreed that I had not authorized the service, and assured me they would reverse the charges. The credit did not come. After giving them time to rectify the issue, I eventually contacted my credit card company to dispute the charges. My credit card company investigated and reversed the charges. I thought that the matter was settled, until XX/XX/XXXX when I received a collection notice from " IC System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX '' The collection notice on behalf of XXXX # XXXX was in the amount of {$110.00}. I immediately wrote to IC System using their included form, and I mailed it back informing them that the debt was not valid and that I had not authorized these charges or services from XXXX. According to my understanding of the law, they should have stopped trying to collect the debt without sending me proof of the validity of the debt. I also called XXXX customer service to inform them that I had been sent to collections over a debt that I don't owe. I spoke to a customer service representative who informed me that she could see the notes on the account, but she needed to have a manager call me back to reverse the charge. She advised that someone would call back in 24-48 hours. Nobody ever called. It is not possible to reach a local representative, and it is also not possible to be transferred directly to a supervisor. On XX/XX/XXXX, I received a second collection notice from IC System for the same debt. This notice had a bold notice " VALID COLLECTION '' across the top. It offered no proof of the validity of the debt. I believe this notice was in violation of the law, as I had already disputed the validity of the debt with IC Systems, and they should have stopped collections until they could issue proof that I had authorized these charges. Also, on XX/XX/XXXX, I again contacted XXXX customer service at XXXX. Despite the number being a local number, it routes to a call center somewhere unknown. Again, I was told that a manager needs to call me back, but it is more than 24 hours later and no manager has called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60031
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For One The Address Is Wrong My Address Is XXXX XXXX XXXX XXXX The Address They Got Reporting Is XXXX XXXX XXXX South Carolina. Thats Not My Address, The Birthday Reporting Is XX/XX/98, My Birthday Is XX/XX/98. I Do Not Own This Debt. I Would Like It Removed From My Credit Report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28358
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Some one call trying to collect money did not State who they were. Asking for unauthorized info. I felt threaten and ask them not to contact me again. I have no idea about this matter I will start l legal procedure if continue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. If every piece of documentation can not be provided the account must be removed from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights. 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. XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS XXXX XXXX XXXX XXXX {$750.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX L Account # XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XXXX XXXX, 2022 I.C. SYSTEM, INC Account # XXXX Original creditor : XXXX XXXXXXXX {$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$1300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX Original creditor : XXXX XXXX {$2100.00} Balance updated XXXX XXXX, 2022 MXXXX XXXX XXXXL Account # XXXX Original creditor : XXXX XXXX XXXX XXXXXXXXI {$540.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Account # XXXX Original creditor : XXXX {$1200.00} Balance updated XX/XX/2022 2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This was not sent in error XXXX XXXX XXXX consumer by law at XXXX XXXX XXXX XXXX XXXX misused at XXXX I have some false at not 100 % accurate XXXX XXXX XXXX. Unauthorized use of my credit report. Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A