Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX XXXX has been trying to collect a debt owed from Me when I do not own not have I ever owned any cats
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is I C Systems and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.
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: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have discovered an error on my credit account. The following account is reported inaccurately : Company Name : IC SYSTEM XXXX XXXX is not my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Per XXXX contract and attached documents, as instructed we returned our phone equipment in the trackable mailer provided by the company. Attached proof tracking confirms they received it. they did not credit our account but rather shipped our account to a collection agency called I.c Systems who states they received the deb to collect from XXXX and they can not discuss anything with us other than payment in full. Several attempts to discuss with the original company but they refuse to discuss receipt of their equpment as shown in the attached tracking document. This false debt is now listed on my credit report. Furhtermore despite the young age of the report, immediately after I filed a complaint with Transunion, I.c Systems reported the debt as " charged off '' and will now not engage. The company is I.c. Systems. I.c. Systems is the collection agency for XXXX. I.c. Systems is reporting {$1000.00}. Each piece of equipment returned was promised as a XXXX.credit toward our end bill = XXXX total credit. If credited I would owe XXXX not the credit company amount of XXXX. The debt reported is incorrect. My credit score is being dmaged from this inaccurate collection activity / report AND I dont even have the equipment I returned!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A total of {$1900.00} was billed to our current home address by a System, a debt collection agency working with XXXX. This has been happening for two months now, even though the debt is not mine. I have called in reporting the incident and have contacted by local police department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX is trying to collect a debt from collection company for the same amount each.. XXXX the amount of {$550.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: IC System called me and I requested that they verify the debt and send verification information. They have sent no verification per FCRA. I also advised them that the account was likely not mine as it was my ex-spouses account that I would not have been responsible for and had transferred my service to a new service provider. I have disputed this account with the credit bureaus, but this company continues to report it knowing it is inaccurate all while never providing verification of the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: IC Systems is reporting a debt on my account that I do not owe. They are claiming I owe a balance for XXXX XXXX XXXX unreturned equipment. I sent the equipment back! I have attached the ticket below stating that the equipment has been returned. I owe nothing to XXXX XXXX XXXX and they need to remove this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I had a collection on my credit report I paid in full XXXX months ago and its still on my credit report I need it move before XXXX I paid XXXX dollars to XXXX in XX/XX/XXXX th account in full not collection agency contacting me saying I how to pay I got bAnk statements to prove I paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A