Date Received: 2021-11-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am very upset with this issue. I sent a letter to the collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
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: My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus is reporting inaccurate information on I C SYSTEM. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Credit Reporting Agencies and Collection Agencies violated the Law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Credit Reporting Agencies and Collection Agencies violated the Law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31406
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is for an electric bill for a house which I sold on XX/XX/2018. I contacted XXXX and had our power transferred to the new house on the day of closing. XXXX turned on the power at the new house but apparently failed to shut off the power at the old house. The person who bought the house just kept on using the " free '' power XXXX was providing. I was completely unaware until I received a bill from XXXX for the month of XXXX for the house which I sold in early XXXX. I contacted XXXX and they then turned off the power to the house which I had sold. I did my part and had the power transferred on the day of closing while I was still at the title company to sign the house over to the new owner. XXXX did only half of their job and now wants me to pay for their neglect. XXXX seems to think I should pay for their employees ' incompetence. XXXX turned this false debt over to IC System, a collection agency. This false debt has already been removed from my credit report once before, after being investigated by XXXX XXXX. Now IC System has now put it back on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63028
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the I C SYSTEM INC ( XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account XXXX. I C SYSTEM INC ( XXXX ) XXXX Date opened XX/XX/2021 Balance {$1300.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I wrote a personal letter certified to XXXX XXXX head Quarters about a bill for {$380.00} suggested by a direct tv supervisor in XXXX, my letter was delivered on the XXXX of XXXX, I called IC System to dispute the collection and I am getting know where. I made the last payment with Direct Tv and Returned there equipment, when I ask to do so to close the accoun, why I was getting billed they said it was there mistake and they would credit my account in good standings and now this matter has been hurting my credit report and it should be paid in full can you please help me so I can a letter to all 3 credit bureau to get this matter behind me. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive. IO sent them another dispute out on XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called ICS and informed them this bill was reporting on my credit report, they asked me to verify my Social Security #, They then told me that not the one they show on the account, they ask for my address, and then told me they couldnt discuss the account, then I gave them my date of birth, and then she said Oh Now I can discuss the account with you. I informed her that I never lived at the address they had on file, and the mailing address wasnt mine. The collector tried to get rude and tell me that I still owed the bill, i told her I didnt. I sent them a letter of dispute XXXX and called back XXXX they told me thd anything from XXXX or IC System about this bill ever. This is not my account or bill. ey never received the letter of dispute and I owed the bill, I told her not my bill and I didnt owed, she then told me to fill out an ID fraud account, I then asked her why and how would I fill out a fraud account, when the information they have it not my info except for my date of birth she said then you owe the bill, I called back XXXX they now have my billing address ask them how they get it, the repp got rude and told me to pay the bill. I asked for a manager, who then told me that they had my dispute and I asked him why did they change the address on file to my address on file, they then told me well we will have XXXX verify it,. I demanded he close this out and remove it off my credit and send it to XXXX, He said well I see the account now in dispute. I hung up. I have never ever receive
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent regarding the I C SYSTEM account in XXXX Bureau. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A