Date Received: 2021-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: IC Systems Inc originally sent me a letter inXX/XX/XXXX for a debt by XXXX XXXX. I told them that I was disputing the debt debt because I canceled the contract with the original creditor. In XX/XX/XXXX IC Systems Inc placed this debt on my credit report without them investigating my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I received a Collection Notice from IC System on behalf of creditor XXXX for {$220.00} against account No. XXXX. I have a current XXXX account but it was for a different location and had a different account number. My research determined the account number on the Collection Notice was for a property I sold in early XXXX. The XXXX account was paid and closed at that time. I verified the status of the account was paid and {$0.00} owing by signing in online to that old account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is the worse thing that could ever happen to me when they broke into my car they stoled my information and now Im really upset because this account is showing on my report as collection and past due and I had no clue until I got my annual report its frustrating base on act 617 and 616 if Im not the owner the creditor need to remove collection and all late payment from report ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: IC System, INC claims they are collecting a debt of {$340.00} for XXXX. XXXX can not produce any documentation with my signature that states I agreed to any two year contract terms with them to validate this debt. They state this is for an early termination fee yet have no signed documents from me stating that I agreed to a 2 year contract when they installed the equipment. IC Systems has no valid signed documentation from XXXX yet they continue to place the collection on my credit report.I have requested from IC System, INC on multiple occasions to either produce documentation with my signature and contract terms to validate the debt or to remove it from my credit report. They failed to do either of these things.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2021 a collection account was reported on my credit report. I.C. System Inc has harassed me on several occasions in regards to collect a debt in the amount of {$680.00} which is a violation of the FDCPA 15 USC 1692d and FDCPA 15 USC 1692b ( 3 ) due to contacting me more than once. I have NEVER given I.C. System Inc DIRECT CONSENT as a consumer, in which they can not communicate with me the consumer in connection with the collection of ANY debt which is a violation of the FDCPA 15 USC 1692c ( a ). I have sent two certified dispute letters to XXXX to validate this debt and never received the correct five documentations that constitutes I owe this debt which is a violation of the FDCPA 15 USC 1692g. I sent the first letter on XX/XX/2021 and the second letter on XX/XX/2021. The investigation came back as verified which is a violation of the FCRA 15 USC 1681a ( e ) because the proper investigation was not completed that consist of the consumers ( myself ) character, general reputation, personal characteristics, or mode of living obtained through personal interviews with neighbors, friends, or associations which they dont have my consent to communicate with third parties as stated in the FDCPA 15 USC 1692c ( b ). I.C. System Inc stated in the letter that I received that their office has reported this debt to the credit reporting agencies. This is an alleged debt that I do not owe, and by them reporting it to the credit reporting agencies it is a violation of FDCPA 15 USC 1692e2 ( A ) and has tremendously, negatively impacted my credit report. I.C. System Inc also violated FDCPA 15 USC 1692c ( a ) ( 1 ) by contacting me at an inconvenient time as I have been making funeral arrangements for the death of my uncle. Due to violations that I.C. System Inc has committed, this account needs to be deleted from the credit reporting agencies and by law in reference to the FDCPA 15 USC 1692k I need to be compensated per violation for damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42701
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TWO COMPANIES ARE REPORTING FALSE INFORMATION TO THE CREDIT BUREAU OF AN ACCOUNT THAT I NEVER HAD WITH THEM I NEVER OPENED A TELEPHONE ACCOUNT WITH THAT COMPANY, THEY ARE REPORTING ME CHARGES OF {$1500.00} AND THEY ARE DAMAGING MY CREDIT. ACCOUNT NUMBER # XXXX I.C SYSTEM INC {$1500.00} XXXX XXXX XXXX # XXXX {$650.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$970.00} 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: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. 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: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt with XXXX XXXX and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$520.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Date of medical service : XX/XX/2020 Location : XXXX XXXX XXXX XXXX XXXX, XXXX, GA Amount : {$640.00} Action taken by me : Patient balance of {$90.00} has been paid ; my insurance XXXX XXXX XXXX XXXX has paid {$1100.00} The unrecognised company The XXXX XXXX XXXX located in XXXX XXXX, Main, sent me an Invoice demanding me to pay extra {$640.00}. I wrote to them asking their relation with XXXX XXXX XXXX ; but no response! Finally, they sent my debt to collection agent I. C. System , Inc dropping my credit score by more than 34 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A