Date Received: 2022-04-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: IC systems Inc. purchase a debt from XXXX XXXX XXXX XXXX and claims I owe a debt for {$580.00} with no documented proof and a complete incorrect address with no Social Security information and theyre trying to time my first and last name to a debt thats not mine I have spoken XXXX in the past and they all agreed to remove the debt they have then since then again tried to collect a debt that is not legally owed this is now becoming harassment and I want to stop now Im offering them 30 days to remove this from my the account and I want documented proof that this was removed in writing if not I will file a claim against you all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2022-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My personal information was provided to companies for unlawful marketing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: To whom this may concern IC system is ruining my credit. I called to try and resolve the matter and repeatedly being hung up on. Theyre threatened to harm my credit .I ask to remove this from my credit report they refuse this is illegal against.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I've been in dispute with XXXX XXXX with a debt that they think I've owed. The dispute started in 2019 when XXXX XXXX unilaterally changed the terms of service by changing the billing from prorating to monthly cycle. In my previous complaint to CFPB about XXXX XXXX, I presented my case and XXXX XXXX was not able to prove that it had communicated with me via any email, phone, in statements for paperless billing consumers or any other forms that are applicable to paperless billing consumers about this change and I wasn't aware of this change until I ended my services with XXXX XXXX. I disputed the debt and XXXX XXXX and I have been hung on this issue. Currently, XXXX XXXX has sold the wrongful billing statement to different debt collection agencies over the years and now I'm being harassed by different debt collection agency every year with a disputed debt Validation Letter and hence I now have to deal with said agencies. The new agency is IC, systems to whom the debt has now been sold to and despite explaining to them the issue, this process is not working and I'm afraid this debt with show up my credit report despite it being fraudulent. I, request, IC systems via CFPB to immediately cease any attempts to report this to credit agencies without further as this debt is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX keeps allowing IC System to report a cable account with a address and account that I have never lived or had they have allowed them to remove and repeatedly put back on my credit report which drops my score immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against IC SYSTEM for committing identity theft. I have never given IC SYSTEM, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with IC SYSTEM and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving IC SYSTEM any right to collect on this alleged debt. I have never received any documentation requesting validation from IC SYSTEM, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If IC SYSTEM, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until IC SYSTEM, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and IC SYSTEM, continues its collection efforts, I will file for litigation for actual damages caused and I, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72113
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Opened XXXX. XXXX, XXXX ( XXXX XXXX ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX {$2000.00} Closed No Info
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had XXXX XXXX XXXX and I had in writing that I would be charge one price and then for several months it was this other amount and XXXX I didn't like that and I did not sign a contract I canceled out. And then I went right down to XXXX XXXX and returned the equipment. Now they say I owe this amount. No I don't I paid everything I was suppose to pay and returned all the equipment. I have been fighting this for years and years and it's getting old
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 424XX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I.C. Systems is CONSTANTLY contacting me claiming that " XXXX XXXX '' owes {$300.00} XXXX ( XXXX ). They have the wrong person as my name is not " XXXX ''. They repeatedly call and send letters after I've asked them to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A