Date Received: 2021-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report says that XXXX XXXX sent a balance of {$2100.00} to a collections agency to I C Systems with an opening date of XX/XX/2020. I have never done business with XXXX and I have not received any information by mail or telephone about any debt that I owe from I C Systems. The amount is suspiciously the same as an amount from another collections agency that I reported and was found fraudulent. I have disputed this charge, but nothing has happened yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they 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: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have discovered a debt on my Credit Report, reported by IC Systems Inc. I have disputed it, and it has come back as a valid debt. I have tried to call the company 12 times over he last week to resolve/pay/and get information on this debt, and I can not get a hold of the company. Every number I've tried, an answering service answers and hangs up on me, or they say they are not open, ( I called at XXXX on a Monday, and they are open during that time ). I do not believe this is fair reporting if I can not reach the company to resolve the issue on my credit report. I have exhausted all other options to get a hold of this company. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Changed open date to look like I opened account last year, which I did not open the account last year. It was opened almost 6 years ago and was getting ready to fall off and now it is effecting my credit majorly. I have requested this be changed repeatedly and no one wants to listen to me or do anything about it. In all actuality its probably months with in the dates to fall off and the collection company changed it right before so it wouldn't fall off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I.C. System states on my XXXX report I have a medical debt collection of {$300.00}. I disputed this immediately due to the XXXX violation through XXXX XXXX, where it was immediately removed, but it was not removed on Experian, despite also disputing the report on there. I need this removed on XXXX since it was already resolved with XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I .C. System states on my XXXX report that I owe {$330.00}, but when I disputed the pet insurance XXXX XXXX XXXX XXXX XXXX debt collection report through XXXX XXXX, it was immediately removed. I contacted the company directly about removing it since it was removed on XXXX XXXX. I explained with deep concern how much COVID-19 has affected my life, how I do not have the finances to pay it off, and there was no compassion from the woman on the phone. She said she will forward my request and I never heard a follow-up about it. I want this removed on my XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt. I called and paid it immediately. I never received a call, notice, or letter about this debt and that violates my 30 day right to dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX. I.C. SYSTEM, INC # XXXX XXXX XXXX XXXX # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have made several attempts to get the information and verification of an account with I.C SYSTEM, INC. with half the account number XXXX ( which is odd the whole account number is not listed, so how do you put that on my credit report ) verified that has been reporting to my credit report over the past 4 months. I have mailed several letters to the company, certified with return. The company refuses to send me the contract or any information on the account bearing my signature which is required by law, so I can compare that account towards my records, because I have no knowledge of the account. I have tried several times to dispute the account with all 3 major credit bureaus, and there not doing the investigation at all, there simply lying about doing that part. I would like a full investigation into the wrong doing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company has reported a collections account to my credit report. I have not received any written communication about the alleged debt. Therefore, my right to dispute or request validity of debt has been violated. This is causing distress and affecting my credit report and my ability to obtain credit. Please remove the debt from my credit report and follow due process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A