Date Received: 2022-01-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2020 XXXX, XXXX, and XXXX XXXX; added a derogatory mark on my credit report from I.C. Systems. Upon further research, this account was transferred. I was never contacted by XXXX that I owed any debt or authorizing such. I.C. Systems never contacted me to dispute the validity of this account. There is no written form of communication, contract, or signature for the accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the F.C.R Act. They have violated my rights as a consumer and I am requesting legal action to remove the account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52601
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a bill from I.C. Systems in the amount of XXXX on XX/XX/2022, the account number assigned to this bill is XXXX, I do not know who this company is nor do I owe any money, the company told me there is another address on the billing but is not mine and they show a different birthdate then mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 'I C System ' is trying to collect a debt of {$300.00} on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX - Debt has been in the collection for almost XXXX years. I was unaware that the collection was in place ( no notification via mail, email, or phone ) and was actively ruining my credit. XX/XX/XXXX, I received a call from an investigator running a background check regarding this financial debt delinquency ( First notification about this debt ). I immediately called XXXX XXXX and XXXX and they confirmed that the account is paid in full and closed since XX/XX/XXXX. I called I C System multiple times trying to figure out what was going on and whether they had any documents proving their right to collect a debt. I C Sytems repeatedly hung up the phone on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Signed up XXXX XXXX with XXXX XXXX XXXX for dogs care. Had payments taken from checking account each month until XXXX of XXXX. Was paying {$44.00} monthly. Twice they increased but never notified me. I only saw the increase when checking my statements. Then I would call to let them know that I couldnt have this do this because Im on a set income. I called to cancel XXXX of XXXX was told I couldnt cancel. So I kept paying. Calling back I was told have to call XXXX moths before plan renewal, so I did. My pets lat visit was XXXX XXXX XXXX. So I called to let them know that I wanted 2 cancel plan being that I had to notify them XXXX months in advance. I have been talked 2 so rudely each time I tried to get someone to understand that I could no longer afford to keep plan and pay. They talked over me and told me there was no one that was over them that I could get any help from. I male even told me what not to say to they person he was transferring me to. I continued to pay {$260.00} from XXXX XXXX until XX/XX/XXXX. I never received any corespondents from them. Then a letter from collections, stating they received a bill that was a 120 days pass due for {$130.00}. I called back to XXXX asking where was the money that was paid to XXXX by my bank. Young lady asked when was that paid as if she had no record of that. At this point and time the collection amount is {$310.00}. That would be twice the amount of & XXXX plus the collection fee of {$47.00}. I have asked where is the money received from bank that would have taken care of the collection fee {$130.00}. I paid XXXX without any problems except when they put through increases. Iihave been informed I was paying double for shots that all dogs only need on each year But the worm exams are taken twice a year. Even with paying automatically I still paid out of pocket when they would say she needed something else when they had me to drop pet off I had to tell them not to do anything extra until they spoke with me This what they didnt like when I wanted to know what dog needed that my plan didnt over. They began to start treating me differently when I would go in or call in. Then they stopped giving me printouts of services rendered. When I called IC System about the collection, I was given the total {$31000.00} and the bill will be put in for a Judgement on XX/XX/XXXX. They stated could settle for {$200.00}. But I keep asking where is the money paid to XXXX from bank That would pay the only bill received as the amount due & XXXX. XXXX never sent bill tome until it was sent in for collection. I will appreciate all that will keep this from gong on my credit. Sincerely, I Thank All!,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account was closed and assigned to collections as per XXXX XXXX contact on XX/XX/XXXX NOT on XX/XX/XXXX of XXXX as I C Systems has reported. This debt was " Re-Aged '' as is an illegal practice and known to be used by collections agencies to try and collect possible old debts debts. The information on account number of XXXX and the date of XX/XX/XXXX was provided directly by a customer service representative today XX/XX/XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98072
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I.C. Systems, Inc has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They haven't been able to provide sufficient debt validation information to show they are the original creditor and the debt hasn't been validated by myself. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J 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. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. According to 15USC 1692g I.C. Systems, Inc has failed to provide all of the information required in the law below as well. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) 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. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to Texas Finance Code Sec. 393.202 the collection agency has repeatedly violated the code below by utilizing the stall tactic in their response letters without providing any validation of the alleged debt. d ) If the third-party debt collector states that there has not been sufficient time to complete an investigation, the third-party debt collector shall immediately : ( 1 ) change the item in the relevant file as requested by the individual ; ( 2 ) send to each person who previously received the report containing the information a notice that is equivalent to a notice under Subsection ( c ) and a copy of the changed report; and ( 3 ) cease collection efforts. ( e ) On completion by the third-party debt collector of the investigation, the third-party debt collector shall inform the individual of the determination of whether the item is accurate or inaccurate. If the third-party debt collector determines that the information was accurate, the third-party debt collector may again report that information and resume collection efforts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX am XXXX XXXX account was open fraudulently. I am not aware of this account and it now has an outstanding balance of {$560.00}. It has effected me with an derogatory mark on my credit report. I reached out to XXXX XXXX and they can not locate the account and is forwarded over to a collection company I C SYSTEM on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27527
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The credit bureau failed to verify the collection account I.C. SYSTEM, INC ( account number XXXX ). I have mailed the following letters to XXXX to dispute this inaccurate information on XX/XX/2021, XX/XX/2021, and XX/XX/2021. Please remove this inaccurate information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Total accounts : {$290.00} and {$290.00}. I asked them to provide me with information explaining what legal obligation I owe them, and for what services did they provide. I am not liable for this debt for XXXX XXXX XXXX and I do not have a contract with I.C systems. I demand that this collection be deleted and removed from my credit report. IC System reported a collection acoount for a total of {$290.00} and {$290.00} on behalf of XXXX XXXX XXXX. I have no knowledge of this debt and would love to have it removed from my credit profiles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got an alert from XXXX XXXX stating that I had a new collection pop up. I then got a letter from IC System stating that I owe {$4900.00} for a XXXX XXXX. I called IC system and they informed me that this is a XXXX XXXX for an address in XXXX, PA. I told them that I never lived there nor know anything about the address. IC System asked me to provide proof that I lived elsewhere during that time frame and and I mailed that it. they then asked me to file a police report and I have done that too. This negative mark has drastically dropped my credit score and has been a complete defamation of character. I regularly use my credit for my business and this has stopped me from doing so. The incident number from my police report filing is XXXX. The XXXX XXXX police dept does not release the actual police report but just the incident number and i will upload proof of that. IC Systems will not remove the negative reporting even though I took every step that they asked of me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17046
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A