Date Received: 2023-11-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am not liable for this debt with I C System. I do not have a contract with IC System, they did not provide me with the original contract as requested.Years ago I did a trade in and switch Phone Providers in which they were suppose to pay the remaining account balance {$1400.00}
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: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent, as directed by IC Systems and XXXX XXXX, a dispute of debt with XXXX XXXX XXXX I included a copy of an email sending all of the equipment back to XXXX XXXX over 11 months ago. I included pictures of the equipment, and I included the actual date of return of the equipment. I didn't get a reply to the notification as I sent it and sent another notification to the XXXX and IC Systems via US Mail, Registered receipt. I sent the first notice on XX/XX/23 and the second notice after I learned IC System put a derogatory remark on my credit report. XXXX XXXX XXXX NOR IC Syste has validated the debt, gave an alist of charges owed and how allegedly incurred the actual contract, and other pertinent data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Well I received a letter from this company saying I owe them money yet I never owed a medical bill or borrowed money from any one in this company or icp
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My original dispute started with I.C. Systems on XXXX. The above company ( I.C. Systems ) is currently violating both 15 U.S.C. 1681s-2 and Regulation F, for not properly validating this debt as previously requested and received in writing from me on both dates XX/XX/2023 and on XX/XX/2023 per my attached USPS proof of delivery. When validating the amount owed, they never sent proof of the following : 1. The date on which this became a debt up to our current date 2. The amount I was charged in interest that makes up this debt 3. The amount I was charged in fees 4. The amount I have paid in total on the debt 5. The accurate amount due ( From the above # s 1-4 ) as of today Also, this company is currently in violation because they knowingly violated 15 U.S.C. 1681s-2 of the FCRA, which expired on XX/XX/2023, by not removing the tradeline as requested with incorrect information on my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: on XX/XX/XXXX I disputed account asking to verify or delete as I do not recall having debt nor account open with this company. I mailed my disputed via mail with a certified and return label. Certified receipt tracking # XXXX. Returned label was delivered on XXXX XXXX 2023 @ XXXX XXXX and I still have not heard back from company with any answer nor verification documents on debt. More than 30 days have passed and no response. I have tried multiple times calling creditor at XXXX and my call has not been able to get through and able to talk to rep.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50158
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email notification my credit score dropped XXXX points. Opened by I.C. Systems Inc. in the amount of XXXX. I have no contracts or business with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Recent credit report from XXXX showed that I have an item in collections for {$2500.00} with I.C. System, Inc. representing XXXX XXXX. With an address from Georgia. I have never lived in Georgia and I have never had a XXXX XXXX account. This is an error with my name associated with it. I contacted I.C. Systems and they said nothing they could do and it is as reported from XXXX XXXX. Filed dispute with XXXX which showed this error and they said it was correct and would remain until 2028. I said I have never had a past due debt in 40 years of credit card use and have always paid all by bills on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX I.C. System, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Cease and Desist I.C. System, INC I am demanding verification of such debt. Verification is defined as a formal declaration made in the presence of authorized officer whereby one swears to the truth of the statements in the document " Garner, B. ( 1995 ). Black 's Law Dictionary ( 6th ed. ) ''. I demand proof that this corporation provides proof that I signed a contract with them. Since you will not be able to prove that I owe your company any money, I demand you to stop emailing me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted I.C. System twice and told them this is not my dept. I do not have XXXX XXXX account. My Cell phone has been provided by employment company for 15 years plus. It is a corporation account with ATT I.C. Systems keeps sending mail requests to pay bill. that I have told them is not my account. It Started at {$2400.00} XXXX Now {$2500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with I C System Inc. They did not provide me with the original contract as I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A