Date Received: 2021-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I.C.Systems Inc- Date reported XX/XX/2021 in the amount of {XXXX} To whom this may concern : You have added a fraudulent collection account on my credit report and I need answers immediately and send debt validation or delete it immediately. Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed. I.C.Systems Inc- Date reported XX/XX/2021 in the amount of $ XXXX DELETE IMMEDIATELY Please provide all paperwork or proof. If not, delete account from the credit bureaus. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: IC Systems fails to fully validate the debt. Original creditor was over 5 years ago which debt is passed the statue of limitations for Florida. Debt was just bought and not updated with correct open date. False debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I recently contacted the original company I have a delinquent balance of {$580.00} for an utility bill. XXXX XXXX XXXX XXXX XXXX company ) in good faith I want to pay my balance. I choose to pay them directly rather than the collection agency that shows up on my credit report. IC systems. I have made three payments thus far. Once I started making payments to XXXX XXXX XXXX XXXX XXXX IC systems is maliciously flagging my credit report every few days within 30 days! This is harassment I owe IC systems nothing and they have no right to put such derogatory marks on my report in attempts to lowering my score and tarnish my record. I have screenshots, pictures of how many times and how often they are doing this. This is violating my consumer right to fair reporting and also against the law. I am XXXX years old and I am struggling to rebuild my credit. I have been doing everything right and when I start making payments to the original company IC systems starts viciously attracting my credit report. IC systems dates of bogus inaccurate illegal reporting .... XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I will attach photos of each date. And proof of 2 of three payments I have made directly to XXXX XXXX XXXX XXXX. This is clearly an attack from IC systems and they must be held accountable for their actions. Because I choose to pay the company directly they choose to retaliate and attack me in such an unprofessional way. They no longer have rights to my account as I am currently in contact with XXXX and actively paying. They have absolutely no right to attack my livelihood in such irresponsible violating ways. And they can not deny their actions with the pictures Ill include with this complaint. This debt is old not new. All the damage IC systems inflicted on my report in 30 short days is unlawful. And Experian should NEVER allow such crime. XXXX has a LOT of violating inaccurate reporting. Purposely holding credit scores back with bogus reporting is a violation!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44446
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company is reporting a collections account on my credit report to the credit bureaus. I have not received any written notification from this company to allow me the time to verify the accuracy of this debt and therefore they have violated my right to a 30 day timeframe to dispute. I sent a request to the credit bureaus stating this and this company responded to the credit bureau that the debt was valid. They are not willing to cooperate and follow due process therefore causing me much stress and harm to my otherwise clean credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35023
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me. PERMANENTLY REMOVE-off my credit report pay damages in the amount of {$5000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt collector refusing to provide account validation information. Debt does not belong to me and collection agency refuses to provide validation info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was using a credit score software and noticed there was a new collections on my credit, but I never received any notice or bill and I have never heard of or used the company listed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no recollection of a collection that was placed on my account. I have reached out to the company and waited 30+ days after asking for validation with signatures from my name they never responded, however continue to harassing me and call my phone after business hours. Please remove the collection I.C. Systems XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: IC SYSTEMS VIOLATED CONSUMERS RIGHTS. CONSUMER MAILED AFFIDAVIT OF TRUTH TO IC SYSTEMS. TO DATE CONSUMER HAS NOT RECEIVED A RESPONSE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A