Date Received: 2021-04-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter from I.C.System, a collection agency, XX/XX/2021, demanding that I pay THEM {$59.00}, naming the creditor as XXXX account No : XXXX. I.C. System XXXX XXXX : XXXX. I called XXXX, talked to a representative called XXXX, who informed me they had NO information regarding the {$59.00}, and that my account was current. I called I.C.Systems XXXX XXXX XXXX XXXX to dispute the billing. The rep informed me that they had received the request from XXXX 14 days ago. Obviously, not true. When I called him a scammer, he replied " I'm sorry you feel that way ', and hung up Their address is : I.C.Systems, XXXX XXXX XXXX, XXXX XXXX, MN XXXX I don't have an account with you, but my e-mail address is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In 2019 I got married and moved from XXXX SC to XXXX SC. I paid everything that I owed XXXX and closed my account. After the move I was contacted by XXXX about equipment and I asked for a return label and was provided one. I took all of the equipment that belonged to XXXX to the XXXX Store in XXXX SC and returned it as directed. AFTER all of the equipment was returned to XXXX they then charged me for the equipment, " NOT BEFORE " or did they even mention a charge until after the return was made. I refused to pay for equipment that I had already returned and they turned me into a collection agency and it has negatively effected my credit report in which is otherwise perfect. I have tried to call XXXX to discuss this issue and they will not take my call because " I do not have an active account " with them. I have contacted IC Systems Collections and explained and " it has been disputed " with them. I have also " disputed " this with XXXX without any results. Please stop XXXX from negatively effecting my credit report without due cause.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
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: This complaint/unresolved issue involves 3 companies. XXXX, the debt collection company I.C. Systems Inc., and XXXX XXXX. I have received collection notices from XXXX and XXXX over the last couple years regarding a debt from XXXX XXXX XXXX. In each case I notified the companies that I disputed the debt as I did not believe service charges were correct and requested billing/payment history. I was given a free XXXX game pass for my first year of service with XXXX XXXX, and in the second year I was billed for the service without my consent as I did not order it for that year. I called and XXXX XXXX made a correction. However, a charge I believed to be related to the XXXX pass remained and was never corrected up to the day service was terminated. Service was terminated by XXXX XXXX over unpaid bill due in part because of these charges and that I was charged an increased price for service in XX/XX/XXXX that I believed was still within my 2 year price guarantee. In each case I never received any documentation regarding this from my verbal requests. The debt was never reported to the credit bureau and appeared to keep getting bounced between XXXX and XXXX. The debt included additional charges for equipment that was in my possession that I had not returned as of the initial collection notices. I returned the equipment to an XXXX XXXX ( # XXXX ) XX/XX/XXXX per the return instructions as I decided I wasn't getting anywhere with the debt collectors or XXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX was purchased by XXXX XXXX XXXX ) and was going to just pay the balance off after turning in the equipment and they made the correction to my bill. The bill was never corrected and I received another collection notice from XXXX dated XX/XX/XXXX. I called XXXX and advised them I turned in equipment a few days before the notice and had proof of the return being accepted and I was waiting for the balance to be adjusted and reiterated my dispute of the service charges. I was told it may take 30 days for the balance to be updated by XXXX XXXX XXXX/XXXX XXXX. It appeared nothing was done and the debt was passed to a new collection company IC Systems Inc. This collection company sent me a letter dated XX/XX/XXXX which was the same month they reported to XXXX which would violate the 30 day notice period for me to dispute the matter in writing per the FCRA. Due to well publicized Postal service delays during this period in the XXXX Ohio area, I did not receive this notice until XX/XX/XXXX. I submitted a dispute through XXXX XXXX on XX/XX/XXXX and on XX/XX/XXXX it came back as reviewed as accurate. Now, I didn't submit any supporting documentation so I wasn't angry it came back as verified but definitely frustrated as I believed if they had validated the debt based on my comments that they would have discovered the equipment return and updated the balance and I could have proceeded from there. Since that didn't happen I submitted XX/XX/XXXX another dispute directly on the XXXX website and included all the collection letters ( showing the debt was from XXXX and NOT XXXX as was showing on XXXX ), the final bill from XXXX XXXX showing the equipment charges, and the return receipts complete with equipment serial numbers that were confirmed received. I checked the website for updates after an email notice that a result was determined. XXXX came back and said it was confirmed as accurate and valid again. I received the official letter dated XX/XX/XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and spoke to " XXXX '' at XXXX EST. She was an offshore associate who told me that the online dispute department was the only one who had access to the records I submitted and she couldn't retrieve this information to forward to the investigations group as they were separate areas. I requested to speak to someone in that group or for her to get with her management to obtain the information I submitted so they could manually review. She explained that was not possible and my only option was to " Mail '' in a new dispute. I had no option to email, fax, or otherwise electronically submit a duplicate dispute. I complained that this was not right and I believed this process was meant to specifically deter and dismiss complaints and disputes. Never the less I mailed copies of these documents XX/XX/XXXX. As of today XX/XX/XXXX I have not received a response. I do not believe XXXX did ANY investigation whatsoever or require any real proof of debt validation. My suspicion is due to the fact I proceeded to call IC Systems next. I spoke to XXXX XXXX on XX/XX/XXXX at XXXX EST and advised I had disputed the reporting with XXXX and provided documents to them showing the debt amount and reporting was inaccurate. She advised the debt was accurate and confirmed. She told me to reference the letter I received from them that showed the creditor ( XXXX XXXX XXXX XXXX ), their address, and the amount of the debt. I argued that what I received was not validation or proof of the debt and I wanted them to send me proof of the debt and what contributed to the balance. Since XXXX took my documentation showing proof that the {$620.00} balance was incorrect and should be no more than {$320.00}, I wanted to see what proof they had that contradicted what I provided. XXXX told me they didn't have that information and I would have to go back to XXXX XXXX!!! I advised them that as the agency that reported me to the credit bureau AND was validating the debt with XXXX, they should have proof of the debt. I was told the debt validation was the letter they sent me that disclosed the balance, creditor, and address of the creditor. Again, I argued that was NOT validation of the debt as I had provided proof it was wrong and offered to send it to them to update their reporting. My request was declined by XXXX XXXX and I was told her supervisor ( who I didn't get to speak to ) and that I would have to go back to XXXX XXXX. I was refused debt validation by the agency that was responsible for the credit bureau reporting. This was why I believe XXXX is also in error. If the agency reporting the debt could not validate the debt, how did they do ANY investigation? I believe IC Systems and XXXX have violated sections 611 and 623 of the FCRA for these issues. After the brick wall with IC Systems and XXXX, I called XX/XX/XXXXXXXX XXXX XXXX. My first call was XX/XX/XXXX. I spoke to XXXX at XXXX EST who transferred me because they didn't have the bill in current accounts. I was transferred and call was dead air until I hung up at XXXX. I called back, got another rep and was transferred to XXXX in business mobility collections who didn't handle XXXX XXXX accounts, then transferred to a XXXX in tele-assistance who had no number or idea what to do with me. I had no choice to but to hang up and call back as XXXX didn't even have XXXX XXXX 's customer service number. I called back XX/XX/XXXX at XXXX. I spoke to XXXX who put me on hold until XXXX before telling me they would have to call me back. At XXXX they called me back and transferred me to " XXXX '' wo was in XXXX XXXX collections. I heard music and then dead air and nothing. I hung up at XXXX and called back. I got XXXX at XXXX. I was told once it goes to collections they can't help. I advised that wasn't correct as the agency directed me to them and someone has to validate the debt. I was transferred a few more times before getting XXXX in internal collections who said I have 1 year to return equipment. I advised no document I received, no conversation, nothing ever disclosed that and my return of equipment was accepted and I had proof. I got transferred to XXXX XXXX Technical and spoke to XXXX at XXXX who confirmed my equipment showed returned. I got transferred back to XXXX in collections at XXXX who stated again 1 year to return equipment. I advised again, it was returned and accepted and I had proof and they have confirmed they are in possession of the equipment and I expect an update to the balance. XXXX put me on " mute '' and would not respond to me after that. I stayed on the line for 10 min advising them to come back on the line or I would be filing a complaint. I hung up and called back at XXXX and spoke to XXXX . She put in an escalated ticket for me to have the matter reviewed for adjustment Reference number XXXX. 3-5 biz days review time. I spoke to XXXX the collections manager and complained about XXXX. On XX/XX/XXXX I received an email stating my account was updated and that " we were able to resolve your concern in the manner requested '' I called back in XX/XX/XXXX to get an updated bill sent to me at XXXX. XXXX said the dispute was not resolved and the balance is unchanged. I spoke to Supervisor XXXX again at XXXX who said the dispute was still in process and that I would get a call when complete. As of today XX/XX/XXXX I have received no further communication and the automated system at XXXX XXXX XXXX XXXX still says the full incorrect balance of {$620.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44129
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I recieved A collection notice from company called I.C. system on XX/XX/XXXX about a XXXX past due account This is the 4th collection agency that has contacted me since XXXX. XXXX XXXX complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX and also # XXXX XXXX XXXX XXXX/XXXX XXXX refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX at present time same address
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: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38133
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had no collections for months on my account and out of no where this collection is on my report. I have no knowledge of this account. I already had this deleted recently and now its back again damaging my credit score. I have no contact. No mail trying to collect debt. No reach out. Just reported randomly. No detail information on why I owe debt and no specific dates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXX XXXX XXXX XXXX ( now sold to a collection agency I C SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.
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: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have never had an an account with this company nor have I had an account with the company XXXX XXXX not now and not ever. This account was opened due to fraud and needs to be removed immediately. Credit bureaus all have been sent a police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has removed a bill from my credit report before because it was fraud now a year later they put it back but they dont have the right to place this collection on my credit because they dont have all the necessary documentation needed to follow fcra guidelines. I call and complained they attempted to ask me for my full ssn but I only allowed them to have the last 4 digits the guy tried to say thats all he needed to verify the debt but he needs my entire ssn to verify a debt they also have no proof of ID card or social security card or even proof that I have ever stayed at the address where this service or what was obtained they have no proof of residency I have never paid a bill with att show me a proof of purchase or even a bill that was paid by me before you come damaging someones credit they are placing a falsified collections on my report I will seek all necessary legal actions against this third party if this is not removed immediately and the customer service rep hung up in my face because he was wrong and tried to swindle me out of my social security number that is illegal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53406
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debt is {$730.00} from I.C. System, Inc. which was previously XXXX XXXX. The debt was created in XXXX. My birthday is XX/XX/XXXX. Therefore, it is impossible this debt is mine because I can not open a cable or internet account as a minor. They refuse to fix this and insist the debt is mine after Ive disputed it and called the company multiple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A