Date Received: 2023-12-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They will call but wont give me information about the debt until I give them personal information to authenticate myself. Im not giving personal info over the phone is what I say and I say youll have to send a bill. But its on my report and its from XX/XX/2018 it says. Shouldnt it be removed bc its medical and less than XXXX dollars anyway? Regardless I do t even know for sure its mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29405
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: There is a collection for {$180.00} for XXXX XXXX thats keeps getting sold on after it get removed! I have disputed over and over but keeps getting sold. Now IC systems is reporting I owe a balance for XXXX XXXX which they stated would be removing off my credit last time I disputed but again sold to IC systems with a now {$180.00} balance. They are not authorized to collect in the state of Ohio as well upon my research. I need this removed off my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: After studying during the XXXX lockdowns, Ive learned alot about laws, codes, statues, etc. here in the United States. These discoveries have caused me to exercise my rights to file this claim. 15 USC 6801 states that It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Aidvantage student loans is a financial institution by definition under that title. Also 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX, I C System ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Also The Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in 1974 that protects the privacy of student education records. XXXX which applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 15 U.S. Code 1681e states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( XXXX XXXX loan nor XXXX XXXX XXXX XXXX ) ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which precedes the report by more than seven years. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX , the consumer, and their company named as Creditor, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX offers guaranteed services for both treatment of lawns and shrubs as is shown on their web page ( Is my XXXX XXXX and XXXX service guaranteed? Yes. Customers benefit from our XXXX XXXX, which means we will gladly re-visit your property between scheduled visits at no additional cost to make necessary adjustments to deliver quality results for your trees and shrubs. ). On XX/XX/2023, I requested a callback service according to the XXXX XXXX for XXXX of my shrubs, XXXX billed me. After I canceled my service on XX/XX/2023, XXXX still treated my shrubs and billed me. They have now employed a collection agency to collect the amounts that I do not owe them. In the meantime, the shrub is blighted as XXXX admitted since XX/XX/2023, and up to XX/XX/2023. In short, I do not owe XXXX {$160.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20832
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is being reported on XXXX and is not my debt. The number to the debt collectors does not work and no proof of debt has been supplied by XXXX or the debt collectors. This is not my debt and I have request 2 times to remove this from my credit history and have not been successful. This debt is fraudulent and I have not had or signed any contract with charter communications. Please remove this debt from my credit report. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that I C SYSTEM had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that I C SYSTEM open account was opened on XX/XX/2020 with a balance of {$290.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of purchasing a vehicle. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi, I am reaching out concerning the Debt trying to be collected by the IC Systems pertaining to XXXX XXXX XXXX. I have never owned XXXX XXXX XXXX services, I have only owned XXXX XXXX previously and transferred to XXXX for cheaper phone service. I haven't lived at the address XXXX XXXX XXXX, XXXX, NC XXXX in over two years. My previous addresses has been XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX My mother resides at XXXX XXXX XXXX, I believe that this was filed incorrectly. I called concerning the letter that was re-routed to me about the debt for {$340.00} to gain insight on what was going on. They mentioned that the internet router wasn't returned. Per my mother, she stated she called XXXX XXXX XXXX services to pick up the router and they informed her that they would send someone out to pick up the router. She stated that no one came to pick up the router. I called XXXX XXXX XXXX and asked if she could drop off the router at a local store but, they said she could no longer drop off the router and would have to speak to the debt collector and pay the fee. However, the fee is placed under my name and I am not the account holder associated with this company under this address. Due to miscommunication, it seems that my mother attempted to drop off the router and have someone scheduled to pick up the router but, due to misinformation it has been to sent to Debt Collectors and placed under my name. As mentioned, I have not lived in XXXX, North Carolina for over 2 years since have moved from the city and state. I will need this resolved immediately. Please have the removed from my name, credit, account, etc. I have never shared a relationship with XXXX XXXX XXXX I have only had services from two telecommunication services that do not include 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: 33137
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Back in XX/XX/, XXXX worked in my family 's home to install Vinyl floors and everything seemed fine until they started calling me about an additional balance. Their policy is that they don't complete the work until you pay. So it is required that you pay before installation which, I did. My bank statement from the time shows several payments made to them. However, they still have on my XXXX account that I owe them {$830.00} which I do not. Before the sent the account to collections I spoke to a few people about it and was never provided a copy of a signed agreement nor a copy of an incomplete invoice. So this was removed from my XXXX and XXXX credit reports over a year ago. Now, I filed a dispute to remove it from XXXX but it was not removed nor was documentation to prove their claim provided. So, I'm reporting this because I don't owe that money and if they could prove I did I would have paid it years ago and they wouldn't have removed it from my other reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing in response to the debt collection notice I received from your company regarding the alleged debt that you claim I owe. I am requesting that you provide me with validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I C SYSTEM ( Original Creditor : 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: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A