Date Received: 2021-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My bank notified me of a major derogatory activity on my credit on XX/XX/2021, that's how I realized that there was a company charging a debt against me ( I.C. System, INC. ) I called them and they said that said I owed {$120.00} for a procedure done at the XXXX XXXX XXXX XXXX in XXXX in XX/XX/2021. I called the XXXX and they apologized saying that this bill was paid by my wife on XX/XX/2021 and that they advised the debt collection company IC System that this bill was already paid but this company, IC System did not withdraw the billing and reported to the credit bureau that I still owed this account, irresponsibly damaging my credit. I called I.C. System asking for an explanation for continuing to have it on their system as a debtor. An IC employee told me over the phone that there was a duplication of my case and that the system was improperly charging the same debit from XXXX. They did not offer me any resolution regarding the wrongful collection and the recovery of the points lost in my credit due to neglect of the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, I C SYSTEM, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
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. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I C SYSTEM XXXX Balance {$1400.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I sent a verification letter certified to XXXX XXXX XXXX. on XX/XX/2021 asking them to verify this debt of {$1900.00} but they failed to respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I C Systems inc is attempting to collect a debt that was fraudulently opened a year ago. The account in question was closed and removed from all 3 credit reporting agency 's. The creditor was made aware of the fraud and was provided with a FTC affidavit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The short version : IC Systems attempted to collect a debt for a service that I never received and was never invoiced for. I paid the sum anyways to avoid blemishing my credit. Nevertheless, IC Systems continues to report it as delinquent to credit agencies. The long version : My son used to attend an aftercare program operated by XXXX XXXX in XXXX. His last day in the program was XX/XX/XXXX. We received the final invoice on XX/XX/XXXX and paid it in full on XX/XX/XXXX. We did not hear anything further about our account until XX/XX/XXXX when a XXXX employee emailed us to say that we had an unpaid balance of {$66.00} for the week of XX/XX/XXXX. We immediately called that employee and asked her to send us an invoice. She failed to do so. After consulting our calendars, we determined that our son had not attended XXXX for the week in question. We considered the matter settled until sometime in XXXX when I received a letter from the collection agency, IC Systems, demanding the {$66.00} that we didnt owe. I went ahead and paid the sum to avoid blemishing my credit. The payment was processed by XXXX on XX/XX/XXXX. However, IC Systems continues to report the amount as delinquent to credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20912
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I reached out IC Systems and XXXX XXXX about a debt that I have no knowledge of. After checking my credit report on XX/XX/2021. I seen the account was opened on XX/XX/2021. The amount is of {$710.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have two collection accounts that do not belong to me. These accounts were open in XXXX, Kentucky. I have never resided outside of California. I called I.C. SYSTEM, INC and asked that they to remove these. I.C. SYSTEM, INC Original creditor : XXXX XXXX {$740.00} Balance updated XX/XX/2021 I.C. SYSTEM, INC Original creditor : XXXX XXXX {$920.00} Balance updated XX/XX/2021 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am seeing a negative that doesn't belong to me. I live in XXXX but I'm getting a collection account from Nebraska, this is irresponsible on part of the credit bureau. Collection account {$290.00} I.C. SYSTEM, INC Original creditor : XXXX 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: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A