Date Received: 2021-08-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021 I C System INC " XXXX XXXX '' has added an derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and i am no longer responsible for the account. Debtors creditor did not verify this collection also there was no written contract or signature for the accused debt presented at any time. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I C System INC has violated my rights as a consumer and I am requesting legal action to remove this account immediately. My Hipaa rights have been violated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I C System has been sending me collection notice in the amount of {$2300.00} the collection has been reported as pass due. I dont know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i have a common name and was told by XXXX. XXXX, and XXXX that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things. 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: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX sent a closed phone account to IC on XXXX and XXXX for the amount of {$810.00}. The account has been previously disputed on XXXX due to inaccurate information and the amount due. The original XXXX account was opened without my knowledge. Upon communication with XXXX, they believed IC Systems would be responsible for forgiving the debt and account. It was placed for collection XX/XX/2019 and the collection account was disputed through IC systems, XXXX, and XXXX. I have not received any information to verify that it is my account, the amount owed is accurate and that I have ownership of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Today I checked my credit report and discovered that this company has reported that I owe them a debt. I did not receive notice of the debt not that I have had a right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I XXXX XXXX am writing this to inform you of your failure to send me a notification before putting this on my consumer report. I never received any documents pertaining to nthis alleged debt. This is a violation of my consumer rights. You don't have the authority o add something to my report without written notice and my consent. Pursuant to 15 usc 1692b ( 2 ) you cant state that I the consumer owes any debt. Also Pursuant to 15 usc 1692a ( 5 ) Debt means any obligation or alleged obligation. I am the original creditor Pursuant 15 usc 1692a ( 4 ) and only I can validate this debt. I am the natural person and the consumer and only I can validate this debt in which I DO NOT validate this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I sent IC Systems an affidavit of truth and invoice for {$12000.00} back in XXXX. They violated several laws under the FDCPA and have not sent a rebuttal to my affidavit, meaning it is true. However, they have not paid the invoice that they are now liable to and only sent me a letter saying the accounts were being sent back to who they came from. It's too late.
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: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 2. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft I.C. SYSTEM INC. Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I C System XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$230.00}. The collection has been reported as past due. I do not know this company & Ive never done business with them. This company does not have a contract with my signature on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection account from I C Systems via XXXX that does not belong to me. I have never had a XXXX account in my name. This debt is not mine. They are asking for {$380.00}. I've never received any correspondence from this company showing proof of a XXXX account or asking for payment in the mail. I have also never received a phone call from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A