Date Received: 2022-04-02
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Dear XXXX I am an American living in XXXX. I moved here in XX/XX/XXXX. I have not visited US since that day. I received a letter, enclosed from I.C. System Inc, which purports that I have an outstanding debt of XXXX dollars for XXXX XXXX and have not paid this since XX/XX/XXXX. It was sent to an address in XXXX XXXX, Texas, belonging to my aunt, whose address I have given ONLY one company, XXXX XXXX Mortgage, since they needed a US address to process my XXXX mortgage modification, and would not allow me to use my XXXX address. I use my XXXX address with my credit card and checking account, also with XXXX XXXX. My issue is this : I used to use XXXX for my cell phone and XXXX needs since the year XXXX until I left the US to XXXX in XXXX XXXX. I have since used a XXXX provider for my data and XXXX needs. Second, XXXX XXXX does not sound like a real company, they are trying to impersonate XXXX XXXX XXXX XXXX, which as you can see is spelt differently. Lastly, I have seen IS Systems is a XXXX XXXX, MN based collection agency, but I am not sure if the letter is sent to me by that company and I am afraid to contact them and give them any of my personally identifiable information for fear it is identify theft. I am requesting that the CFPB verify if this is a real communication from IC System , Inc and why this was sent to my aunts address in Texas, when this is not information available to anyone else but XXXX XXXX Mortgage. I believe CFPB must investigate IC Systems, and XXXX XXXX as it would seem that XXXX XXXX has in some way given my personal information to someone who is now using this infromation to either get XXXX dollars from me or get into my personal accounts or both. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have no knowledge of this account, therefore ; it was applied under my name without knowledge. I called the company and verified that it was not my account because the birthday entered is incorrect. Also, this account was purchased by a third-party collection agency for pennies on a dollar in hopes of collecting. I have not given any company to transfer my personal information, nor have I given anyone permission to use my name to obtain these services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recently sent them a letter on XX/XX/22 and I have not received an response from them. There is an account that I do not recognize, and I have asked to investigate this account numerous times but have not received anything from XXXX, XXXX, XXXX XXXX or I C System. I was incarcerated when this account shows it was opened. I'm not sure if someone else opened this account in my name or what but this is not the only inaccurate information on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This collection agency is fraudulent reporting this collection to my credit bureaus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a Settlement Offer from : I.C. System, ref # XXXX Dated : XX/XX/2022 Amount Owed : {$920.00} Settlement Offer : {$460.00} Creditor : XXXX XXXX PS : I have never had account with XXXX XXXX, nor had I ever received statements from XXXX XXXX. I definitely think it's a SCAMMER tried to SCAM {$460.00} from anyone who could not think clearly!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, On XXXX, I received a collection notice from XXXX trying to collect a debt for XXXX. I wrote back to the company on XXXX and advise that I did not owe the debt and desist from further collection. On XXXX, I received the exact same notice and wrote again advising the agency that I would like them to valid the debt. On XXXX, I pulled a copy of my credit report and they have place the collection notice for this debt on my credit file, eventhoug I repeated wrote back disputing the debt and the amount. I would personally like to start a class action suit against this company and would like your recommendation. Please find the attached documents as proof of my numerous attempt to resolve this problem. Kind regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXXADDRESS 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: 33312
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX I received an alert of a new derogatory collection placed on my credit. The collection agency is I.C. System Inc. The original creditor is XXXX XXXX in the amount of {$1000.00}. In XXXX, I settled all my derogatory collections in order to repair my credit including XXXX/I.C. Systems. I paid it off completely. I was shocked and extremely frustrated when I received this alert. When I contacted I.C. Systems. They described the debt and it doesn't and never has applied to me. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was previously deleted since it was an identity theft and I provided with the Identity theft police report to the previous collection company 3 years ago. Now I believe they sold the account to another company and the collection re-appeared 3 months ago. Ruining my credit and my home refinancing process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is NOT MINES! Why are they putting thing on my credit tht dont belong to me? This is nuts! I dont know what else to do but contact you all. This is fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A