Date Received: 2022-02-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I used to have XXXX XXXX until their prices continued to change. As of XX/XX/2020, I changed my provider to XXXX XXXX. I made multiple attempts to contact XXXX XXXX XXXX to stop my service, but due to the language barrier with their service representatives, they continued to bill me for 2 more months. They are continually sending me statements & have now sold the debt, fraudulently, to a third party collection. Today, my credit score was dropped by XXXX points due to their unscrupulous tactics. I want my score restored & this debt removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I don't owe anything to IC System with account number XXXX. They should have confirmed this from the Original Creditor XXXXXX/XX/XXXXXX/XX/XXXX since I have made my payment to them. Investigate this item thoroughly and make the necessary correction or just remove the account automatically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was never made aware of this debt until it was in collections. I feel this company and/or the company the debt was allegedly owed to are using unfair practices for collecting a debt. This has harmed me by affecting my credit score and I was unable to avoid the negative impact to my credit as I was never notified of owing any debt and then I had this appear on my credit report. If I owed a debt it would have been paid, but I couldn't have taken care of something I was not aware of. I did have a medical procedure a few years back but I took care of all of the bills related to that, so I do not understand why this account appears on my credit report. I believe I am being charged for someone else 's debt. Please do not contact me by phone, I would like communication in writing only for my records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company popped up on my credit report as me owing them a balance I never incurred. I have no knowledge of this company, nor have I ever done business with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Dear I C System : I am responding to your contact about a debt you are trying to collect. You contacted me by postal mail, on XX/XX/2022 and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. Thank you for your cooperation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: hello! My NAME IS XXXX XXXX i had service with XXXX # XXXX on term of one year contract not to be renewed automatically after that i had paid them in advance for the whole year on that terms they still came and service after that and tried to collect money kept sending me bill, i called to explain twice no response in helping instead they send this to collection agency and now i m getting harassed for something i m not responsible! i called collection agency I.C.SYSTEM INC. ( XXXX ) ACCOUNT NO XXXX, EXPLAINING THEM THEY ALSO DONT WANT TO LISTEN INSTEAD THEY WANT ME TO MAKE PAYMENTS, I ASKED THEM WHY SHOULD I PAY FOR SOMETHING I DID NOT ASK FOR BUT STILL NO HELP JUST SAME ANWER SO AS A CUSTOMER I FEEL LIKE THERE IS NO ONE TO LISTEN TO MY STATEMENT BUT TRIES TO CHARGE ME FOR SOMETHING THAT WAS NOT ASKED OR REQUESTED FOR.THANKS LOOKING FORWARD FOR SOMEONE TO HELP ON THIS MATTER.APPRECIATE ANY HELP, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32311
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There is a Debt Collection Company called : I.C. System, Inc XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, who works on behalf of XXXX. They claim I owe {$1100.00} for equipment that I have already returned to XXXX XXXX XXXX. I was a short term customer of XXXX XXXX XXXX years ago but had numerous problems with there service. I cancelled service and gave the equipment back to there service technician. Years later I find a collection on all my credit reports for this equipment. I have spoken with XXXX XXXX XXXX on many occasions and explained the problem. They told me they no longer even use that equipment in there service but I have to deal with IC System Inc. I have Disputed this debt with XXXX XXXX XXXX, IC SYSTEMS. I DO NOT HAVE THIS EQUIPMENT, IT WAS RETURNED, I DO NOT OWE THIS DEBT! IC System Inc. Is negatively reporting on my credit reports and has even recently started the debt over again. I Want these people held accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Company has called myself and my parents and threatened to have me arrested and I have no idea what this debt is for. They have failed to provide verification multiple times and are refusing to delete this from my credit report. I want this account to be seized immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: A company called I C Systems thats reporting on behalf of XXXX XXXX XXXX XXXX XXXX for the year of XXXX and Ive disputed this date several times with CRA but they say it keeps coming back verified when i never had XXXX in XXXX at all, now i did have the service in XXXX but when I dispute the incorrect information with CRA they obviously fail to do the proper investigation and its not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A