Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contacted XXXX in XXXX of XXXX to cancel my services and end my account with them. Im XXXX XXXX military and also provided them with copies of my XXXX Orders in order to effectively terminate my contract early. Up until XXXX of XXXX I received emails about my outstanding balance. All while Im XXXX multiple times and attempting to resolve this. On XX/XX/XXXX, I contacted XXXX and communicated with them about the charges. The representative stated that I paid off the balance that was due in XXXX of XXXX and had a {$0.00} balance following. This is the same month I disconnected my service. In XXXX of XXXX, I receive an email from XXXX stating that my service has been disconnected. In XXXX of XXXX I received an email stating that I had a overdue balance of {$270.00} after services have already been disconnected. In XXXX of XXXX I received an email stating that my account has been disconnected, effective date XX/XX/XXXX, with a balance of {$250.00}, as well as another email on the same date saying my bill is overdue of {$270.00}. XX/XX/XXXX I received another email stating that my overdue bill is now {$740.00}, to include an {$300.00} ETF ( early termination fee ). XXXX of XXXX, a collection account is the reported to my Credit Report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am complaining these accounts that I found really questionable in my credit file. There are a lot of missing information and also I have no transaction with the reporting collection company or agency. This is really getting out of hand and I am trying my best to build a positive credit file. I need your help with these accounts please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I C SYSTEM Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX Original creditor continues to place fraudulent inaccurate information on my credit since XX/XX/XXXX ( 6 mos ). I have disputed this fraudulent more than 3 times, and asked that this be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77075
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95670
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: They didnt accurately answer my request about validating this debt they claimed I had with the them. They sent me a simple bill that anyone can create at their house so of course in todays day and age I will question it. I asked for proof, anything they had bearing my signature. They couldnt provide anything. They couldnt provide any proof that they even owned this debt they claimed I owed them. They re-aged the Date of last activity with the bureaus so that my account would take longer to fall off. I checked my credit report today and realized they havent even noted that the account is in dispute. I feel as if I am in a corner with no other options left.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I was called by a debt collector trying to obtain a debt and a lady threatened me saying if I didnt pay then the debt I owe would report to the credit bureaus when I notified them that it was an inconvenient time to call me, that it was my place of work and to stop calling this number. The number I told them to stop calling was the Principal at the place I work. Theyve also called the Front Receptionist, Registrar Office, Attendance Office, and Principal Secretary. They kept calling my place of work and now my co-workers know a debt collector is trying to reach me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 14. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 17. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 18. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 20. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 23. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 25. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 28. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 29. Identity Theft XXXX Date of inquiry : XX/XX/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: NC
Zip: 28056
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: No known knowledge of the collection/charge-off for {$120.00} that was created on XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95382
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I.C. Systems Inc. ( 3rd party collections for XXXX XXXX ) is in violation of the FCRA regarding this account of {$470.00} by attempting to collect on a debt older than allowable years for reporting amongst other violations : I am requesting assistance in having it cleared from XXXX in specific. This account was removed from XXXX and XXXX for FCRA violation ; the same as I'm requesting it be in this instance. I have disputed through the online dispute option. The dates being represented are misleading as to origination of the debt 's dates. Also, the debt 's time within a third party collection cycle has negatively impacted my credit for longer than the " reasonably stipulated '' penalty timing/ phase on a credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I received a letter from I.C. Systems regarding an account with XXXX. I did not open an account. On this date, I spoke with XXXX XXXX and XXXX with I.C. Systems regarding account # XXXX and I.C. Systems ( I.C. reference # : XXXX, phone # : XXXX ) did share it was services for location at XXXX XXXX XXXX in XXXX XXXX, NV between XXXX, XXXX to XXXX, XXXX. I do not live in XXXX XXXX, NV nor do I have any family members that live there. We indicated to XXXX that this fraudulent and not my account. She then indicated to go onto XXXX and submit fraudulent submission, which I did. The amount due on the account that was opened is {$760.00}. I also filed a police report with my local police department and filed with FBI 's website. Today, XX/XX/XXXX, I am filing this report with the FTC. I.C. Systems continues to report the collection item as a new account and it having a negative effect my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A