Date Received: 2021-06-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX. I.C Systems flagged my consumer report with an account from XXXX. After spending hours on the phone with XXXX, I was notified that this account was open fraudulently in XXXX under my name. There was no social security number tied to the account just my name and an address that I never lived at and not familiar with. I.C Systems have violated my rights under the FCRA " Permissible purposes of the consumer report '' 15 USC 1681b. They are furnishing my consumer report without my permission. They also failed to conduct the proper investigation concerning this account which is another violation under the FCRA. Attached to this complaint is a police report, FTC report, and the leasing agreement where I was living at from XXXX which is in XXXX, FL. This is proof that there's no way I am tied to this account and I am in fact a victim of fraud! I am demanding this account to be deleted and all my information to be removed from your files or I will seek litigation. Note that I am documenting everything and keeping all replies for court purposes.
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: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I closed an account with XXXX XXXX XXXX and returned my equipment to the designated location. My account was sent to collections after the balance was XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My name is XXXX XXXX. I purchased an XXXX from XXXX in XX/XX/XXXX. I had an account open from XXXX XXXX. I closed that account so I could assume responsibility for the phone and phone number I had from my ex-boyfriends account ( he had disconnected the line in XX/XX/XXXX, which is why I went to go open a new account in only my name, but then he agreed to let me keep that original phone I had. ) I wasn't able to pay the account in full at cancellation, but months later I did pay the account in full. I have a letter from XXXX XXXX XXXX and a Bank Statement showing I paid {$1000.00} to XXXX on XX/XX/XXXX. ( I made the payment XX/XX/XXXX and it posted on XX/XX/XXXX. ) For the past few months my children and I have been receiving harassing calls from a company called I C System. The call says scam likely on the phone. I called XXXX to report the calls and they advised me to block the calls and download and pay for an app called XXXX. After months of ongoing issues, I asked what else I could do. An adviser suggested switching from XXXX to XXXX because XXXX is more secure and less likely to have scam calls. After having 3 XXXX phones for less than 1 year, I purchased 3 new XXXX phones. I brought in the XXXX XXXX with hope to use it as a trade-in. I was told the phone was blocked because money was owed on the account and it was sent to collections. I told the person helping me I paid XXXX in XXXX. He called the collections agency. A woman with a rude tone told me over speaker-phone that I had never made a payment. I was embarrassed in front of a store full of people. I wasn't allowed to use that phone for any credit. The XXXX rep became rude, charged me full price for all three new XXXX I asked for new phone numbers for the new phones. He said he could show me but there would be a charge. I said I would be ok with that, I just don't want harassing calls anymore. I told him I wanted to handle it right then. He said, no you don't want to pay {$20.00}, just call customer service when you get home. He put the new items in the bag and called over another customer. I have been getting emails regarding I C System updating XXXX, and XXXX. XXXX XXXX had to be the one to notify me. I recognized the name from the annoying phone calls immediately that have been plaguing my family all year. We block a number, they call from another number. XXXX should have never sent my account to collections. I paid my account in full. They broke the law, my children and I have been harassed, and my credit has been adversely affected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have debit on my credit credit report from IC Systems for XXXX I never had an account with them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently received a copy of my credit report and found an account that is not mine. The account is with collection agency I C System with a balance of {$260.00} and an original creditor of XXXX XXXX. I have never done business with either of these companies and this account is not mine. My name is XXXX XXXX XXXX, and my father 's name is XXXX XXXX XXXX. I believe this may be his account and if not this account is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX continues to insist that I owe {$67.00} for medical supplies shipped out on XX/XX/2020. XXXX XXXX currently has hired the debt collection agency I.C. System to assist them in their attempts to collect on a debt that is not owed. My health insurance company XXXX XXXX has already made payment in full to XXXX XXXX for the services rendered. I have included the explanation of benefits as proof. I have made nearly a dozen phone calls to XXXX since XX/XX/2020 but the imbeciles employed by XXXX have yet to fix this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: There is a collections account that originated from XXXX XXXX XXXX The account was closed and sent for collections at the end of XXXX. The debt has been sold to a different debt collection agency by the name of I C System XXXX. XXXX XXXX XXXX XXXX, MN XXXX. They have started the collections date over as of XX/XX/XXXX for the amount of {$300.00}. I am under the impression that debt collectors can not restart the time clock on debts in collection and I would like this illegal action to be reviewed and taken care of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93654
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: regarding I.C Systems Inc. Called to dispute debt. They wouldnt verify debt with any evidence. Website wouldnt allow dispute of debt and there is no way to prove your are not a robot. Phone agents were hostile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93420
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Filed previous complaint about XXXX icc system complaint cfpb # XXXX asking for debt to be sent back to the original creditor and cease their collection effort the resolution letter i received from icc system stated they would cease communication and and also terminate collection efforts. After the case was closed they have proceeded to continue collection and also added account to my credit reports even though they said they would not continue with collection efforts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/XXXX- Received an alert from XXXX I C System Inc account added for unpaid XXXX debt XXXX - Called I C System Inc to get more detail on the debt as this debt was in collections in 2019 with another agency and was settled and removed from my credit report. The rep for I C System confirmed that correspondence was mailed to the wrong address. I asked the rep to removed this from my credit report as I have 30 days to reply to I C System regarding the debt. The rep refused to move this from credit report. I asked rep when would correspondence be mailed to the correct address - the rep could NOT advise me on the date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A