Date Received: 2021-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I purchased a device without a contract in 2019. The charges they are claiming was for a phone line that was never activated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. I C SYSTEM I C System, Inc. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Account # : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The amount is {$1500.00} This company XXXX I have no knowledge of this, never had their services, and I also informed the company of this mishap and for it to be removed immediately. I have reached out multiple times, also this company sold my information to a collections agency I C System which is illegal to do. They are continuing to attack my credit and call me on a daily. They have been harassing me on a everyday basis, it also dropped my credit score tremendously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This collection account I.C. SYSYEM INC is not mine. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing in response to collection, Act. # XXXX, XXXX XXXX, in the amount of {$200.00}. I am in receipt of your response, dated XX/XX/2021. Providing a bill is not proper validation that I, XXXX XXXX, owe a debt to I.C. System, Inc., or XXXX XXXX. You, nor XXXX XXXX, have produced a dated contractual agreement upon which I entered and agreed to establish a relationship. I am victim of identity theft and would like I.C. System to provide proper VALIDATION, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and also aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account with XXXX XXXX XXXX XXXX was closed on XXXX XX/XX/XXXX. XXXX XXXX XXXX continued to bill me for service for 4 more months. I contacted XXXX on numerous occasions disputing these charges. This account has been referred to over XXXX different collection agencies and my credit has been negatively affected. I have contacted all three credit bureaus and disputed this collection each time and each time this collection was removed. On XXXX XX/XX/XXXX this collection was once again placed in my credit report by I.C. System inc XXXX XXXX, Minnesota. In the state of XXXX XXXX the statue of limitations is 3 years for all collections. XXXX XXXX XXXX is in clear violation of state law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received an alert from all 3 credit bureaus informing me about a collection that was placed on my credit. The name of the collection company is IC system. I never received any letters or debt validation from this company. I know my rights and I understand my consumer rights to dispute any information that is in error or not mine. I tried contacting this company about validation of the debt they claim I owe them. I need this company to send all signed documents stating that I agreed to pay them {$460.00}. I also need original copies and agreements between myself and this company. I do not have any knowledge about this debt they claim I owe. I am a very responsible person and this collection that they sent to the 3 major credit bureaus is damaging to my credit. PLEASE NOTE I DID NOT HAVE ANY HISTORY OF LATE PAYMENTS OR COLLECTIONS UNTIL THIS COMPANY PUT THIS ERROR ON MY REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: A sketchy letter was received on XX/XX/2021 that a debt collection company XXXX demands my mother to pay a debt amount of {$250.00} due to a company she does not own at all. No company name was given and my mom does not have any company. The website given was not secure and a complete scam. There was no clarification about the company my mother owned and their was no real address or phone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After again noticing the debt on my credit report, I sent a Debt validation letter to IC Systems (XX/XX/XXXXXXXX XXXX XXXX., A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, IC Systems did not cease collection activities, in fact, they recently continued reporting to the credit bureau. To date, I have not received a letter or phone call from IC Systems or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a month since they RE-placed the debt on my credit report and 1 month since I requested validation. Last year when the debt validation was requested, IC Systems XXXXXX/XX/XXXX XXXX XXXX removed the debt from my report, but again for the 3rd time was recently added. Previous complaint XXXX Submitted to the CFPB on XX/XX/2019 This is the response from IC Systems -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Re : IC System Reference No : XXXX Original Creditor :XX/XX/XXXX Account No. XXXX Dear Ms. XXXX : IC System has requested that any information our office may have forwarded to the credit reporting agencies be removed or deleted from their records. You may wish to check with your local credit bureau in 30-45 days to ensure your credit file has been corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I found this ic collection while monitoring my credit. In XXXX this collection was removed by XXXX. Now again it shows up on my report. I called the collection agency to ask them over a month ago for a debt collection verification letter after asking them why once it was removed did they place same collection on my report. They stated they sent out a letter however I asked address and it wasnt mine!! This address wasnt on my credit report and I asked for another to be sent to my correct address and they have not sent anything amd collection remains on my report!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A