Date Received: 2021-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: At the time I disconnected service from XXXX, now listed as IC systems on my credit report, there was no balance. A balance was accrued due to unreturned equipment which I returned the equipment about a year later to XXXX in downtown XXXX. I called shortly after returning equipment after being told by a rep at XXXX that the company does have a tendency and reputation to not credit accounts for equipment being returned and sure enough the company is and has stated on numerous occasions that the remaining balance is associated with a balance for service and it is not. I would like this removed from collections as I do not owe a balance for service and equipment has been returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97070
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX Credit Bureau XXXX Credit Bureau Creditor : I C SYSTEM/ Original creditor XXXX XXXX XXXX XXXX Amount : {$780.00} This unknown debt was applied to my XXXX and XXXX Credit Profile without my knowledge. I don't know this creditor and Both Credit Bureaus. I have never done business with this company. I Have requested to remove this account from my consumer report yet it has not been corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: esta factura esta pagada yo tengo mi comprobante
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2021, I pulled my 3 credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. Please see the fraudulent accounts and amounts below : Account Name Amount XXXX XXXX {$490.00} XXXX XXXX {$690.00} I C System Inc {$820.00} XXXX XXXX XXXX {$100.00} XXXX - XXXX XXXX {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43609
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There has been an improper derogatory report placed on my credit by IC system with respect to my prior account with XXXX XXXX XXXX XXXX. This is an incorrect report, it must be removed from my credit report in its entirety. I switched to XXXX for both my TV account and cell phone account In XX/XX/XXXX. My prior TV account and mobile phone account was with XXXX XXXX XXXX XXXX. After I had completed all my obligations in full with XXXX XXXX XXXX XXXX, I received a bill stating that I owed {$130.00} which was not correct, I had paid them in full. I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to inquire why I was still receiving a bill that was still showing a balance owed. I spoke with XXXX. XXXX looked at the account and told me that the only reason that a balance was shown as still being owed was because I had not returned the XXXX rental equipment, and that the account could be corrected when the rental equipment was returned. I told XXXX that I had already returned the equipment shortly after I had ended my XXXX services and went to XXXX. XXXX asked me to give him the XXXX return reference number for the XXXX store return and he would be able to correct the account balance to accurately reflect nothing owed. I told him I was not at home, where the XXXX receipt was, but when I got home I would call him. He said OK. When I returned home, I found the receipt, called XXXX at XXXXXXXX XXXX, gave him the reference numbers for the the return on XX/XX/XXXX to XXXX store XXXX and he said that he would correct the account to accurately reflect nothing due. I received no further invoices from XXXX. There is no evidence that XXXX XXXX or IC systems contacted XXXX on this. They very well should have done this, that telephone call with XXXX was likely recorded. That would clear this all up. The IC report is improper and must immediately be corrected and removed from my credit report. IC system is a collection agency. I had no direct dealings with them whatsoever. I receive no notice whatsoever from them about any money being owed on my account. The first I knew this when I received a report from my credit watch that something was going on. This is totally unacceptable. Upon learning of this wrongful derogatory information being on my current report, I went online to fill out a dispute report on XXXX. I had great difficulty utilizing their website. I was limited to quantity of information I could type in, and was not able to upload documents, they kept on timing out, or saying cant be done now. Thus there was only a small statement that i was allowed to submit. That same night I called XXXX up and asked what can I do about it, and they told me that I should mail the attachments in to them, ( the attachments that I wanted to upload but was not allowed to ). I mailed these documents, which I am attaching to this filing, but before they even received them, they denied my dispute. This denial was received on line. in addition i received two denials in the mail as I further objected. This is impacting my credit and both XXXX and IC Systems are at fault. Thank you for investigating this for me and I trust, having it corrected. On line XXXX dispute report : Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Remarks. Here is how this account appears on your credit report following our investigation. I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX See attachments for : Dispute statement mail to XXXX Proof of return of XXXX equipment that I used To provide XXXX with the information he needed to show that the equipment was returned after which he said that my account which show no balance The text I received in XXXX from XXXX a different collection agency and my response thereto. I never heard anything further from XXXX two excerpts from the two XXXX dispute reports I received from XXXX one dated XX/XX/XXXX, one dated XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A