Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681. Additionally, this debt is the direct cause of the buildings management team mishandling the disconnection of utilities for an apartment I no longer resided in as utilities were sourced through them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 107XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My personal information was stolen 2020, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. The account is : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was refinancing my home loan with another bank ( XXXX XXXX XXXX IL ) and the bank asked me about a debt collection that is showing up on my credit report. XXXX So I called the collection company that is was listed with IC Systems Collections. I explained to them that I had never had XXXX. They had me fill out a Affidavit stating what had happened, I had to file a police report, and send them a copy of my drivers license. Which I did all that was asked and mailed them in. A few weeks ago I called them to see where things were and they said they received my information but everything was on hold. They gave me a persons name and address on the account that I've never heard of. Now I received a report today stating Investigation Results- Verified as accurate and updated. This identity theft has wrecked my credit. I want it removed from my credit report. I submitted everything that was asked of me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 623XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I also submitted a debt collection complaint for the company this collector is representing, XXXX. I had never received a bill from the original company, nor an email, nor a phone call to know if I even had a debt. My account was closed and paid in full over the amount of the said bill. I have a forward in with the mail and informed consent delivery, so I have never seen or received anything from XXXX. So today I got a text from this company called IC System telling me I owed a debt and to click on a link. I thought it was a scam so I called XXXX to tell them and sure enough they said they sold the debt without even telling me in any way or giving me a right to dispute it. I asked them why they would go to this extreme when I was a customer for 10 years and they had all my info? They said they would usually send out a final bill and courtesy call, but in this case that wasn't certain. They never said anything was attempted. XXXX wouldn't take payment because it had been sold. I have had identity theft and fraud and this is completely negligent and unprofessional for them to sell my account. Furthermore, the debt collector IC systems wanted me to click on a link to enter my zipcode as a password. I don't even know who these people are, I never saw any verification letter and how do I know some tracking device or malware isn't going to be put on my phone. I want restitution for this ridiculous matter that could have been taken care of if I knew about it. I am not paying a debt collector, not am I giving any info to someone for something I don't owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97005
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had a collection appear on my credit report from ICS that did not belong to me. ICS has a name similar to mines but its not my name ICS has an email similar to mines but its not my email address. Also the property where cable service was provided I moved out XXXX of 2020 its my understanding the account was opened XXXX months ago
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is harassment and for a minor debt that I thought was resolved through discussions with XXXX XXXX XXXX XXXX Customer Service and then these collection agencies continue to harass me. I.C. System XXXX XXXX XXXX XXXX XXXX, MN XXXX Credit dispute for XXXX XXXX XXXX XXXX account closed in early XX/XX/XXXX. This is the second or third collection agency assigned to this matter which is disputed for the third or fourth time. I closed the account when transferring our cell phones ( and XXXX XXXX ) from XXXX XXXX XXXX to XXXX. Everything seemed fine until XXXX of XXXX when I got an automatic payment to XXXX XXXX XXXX for {$87.00}. Since the account ( I thought ) had been closed and made final payment in XXXX, I called XXXX XXXX XXXX to discuss the charge for {$87.00} This occurred in approximately XX/XX/XXXX. It was then that I determined that during the transition from XXXX XXXX XXXX to XXXX that XXXX of the iPhones was still active on the XXXX & XXXX network even though it was active on the XXXX network. In discussing the account with XXXX XXXX XXXX customer service, they indicated that I should contest through the credit card company which I did. XXXX XXXX refunded the {$87.00} to me. Then XXXX XXXX XXXX contested and rebilled the automated payment by XXXX XXXX. I then got XXXX XXXX to refund the {$87.00} again and prevented XXXX XXXX XXXX from being able to bill through the automated payment process. After talking again to XXXX XXXX XXXX Customer service, they indicated that they could not refund my {$87.00} because the account was closed and therefore, they could not process a refund. They told me to go through my Credit card company to process the refund which I did. XXXX & XXXX still tried to collect the {$87.00}. This obviously is a minor payment all things considered but it is the principle that I have decided to stop a Large company from continuing trying to collect money which even their Customer service admitted their own system could not process the refund. Some months later XXXX XXXX XXXX turned this over to a collection agency and called repeatedly over many months. After talking to them, I told them all about this process and referred them back to XXXX XXXX XXXX customer service since this all had to be in the notes regarding this account. From what I see the dispute was posted to my credit in XX/XX/XXXX. This was almost a year after this whole process started. I hope this provides enough information to get this expunged from my credit. I will be pursuing this and reporting it thru the www.cfpb.gov/debt-collection system. Please stop contacting me. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43017
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I called about the matter when it appeared again on my credit report. I told them this account was in good standing and was in fact still active. I informed them I had the receipt for this account and how I just had the problem a couple months prior!! It's on one of my reports but not all 3.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: IC systems has on my credit. I owe {$290.00} for charter communications. I paid XXXX group. {$310.00}. XX/XX/. I have disputed with all XXXX bureaus and the bureaus say that they verified the amount as accurate. I have all my documents. That says it's paid. I even have from IC system dispute center. I don't owe them. It's unexplained why it's still on my credit and who are the bureaus verification with Because XXXX. IC system and XXXX group says I don't owe them it has been paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I never received a phone call ( never left a voicemail ), mail, or email regarding this debt collection. I asked for the hospital to send me an itemized list to compare pricing to make sure they were not over charging me. And they never did. I called and let them know I never received the list. And they never called me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the fair credit reporting act this creditor have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end consumer plan for any purpose. So I would like them to be removed completely or I would have to take legal action for breaking the law and failing to abide the federal law compliance policies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A