Date Received: 2021-01-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: IC System is yet to respond to my dispute which they received as of XX/XX/2020 I want this item removed from my Consumer file immediately, I have Attached Proof of certified mail delivery
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, I C SYSTEM INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I C SYSTEM INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The account was closed in XXXX for {$510.00} and they just opened this collection against me in XXXX of XX/XX/XXXXand are demandingi pay {$1400.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt paid in full to original account holder on XX/XX/21, conf # XXXX. Original account holder agreed to remove the debt from my credit report after the payment was made in full. I have filed several disputes and the agency is refusing to honor the account holders agreement of removal after payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am writing to dispute the following information in my file :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: IC Systems is reporting on my credit report. I have never received any notification from them, nor an opportunity to validate the alleged debt. Furthermore, I never gave them my social security number or name so Im not sure where/how they got this information. They are holding up my home buying process illegally by attempting to extort money from people without providing any information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14220
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: In XX/XX/2020 I asked for proof of IC System 's claim of an alleged debt for an XXXX bill and I also asked them to not communicate with me as I am represented by an attorney on page 3 of the letter that I sent them attached hereto. This is a violation of the FDCPA. I am requesting that the CFPB investigate and have IC System contact my authored rep.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I closed my account with XXXX XXXX in XX/XX/2020. At the time I closed my account, all amounts due were paid. This was required since the phone number was transferred to my wife who also has an account with XXXX XXXX. I was never informed of any outstanding bills. Not by text messaging. Not by notice of any kind- email or snail mail. I checked my credit recently and saw that there was a delinquent report by XXXX in XXXX, XXXX and XX/XX/2020. I tried to call XXXX to find out what the debt was for but they just referred me to IC Systems- a debt collection agency. The XXXX representative said that she could not tell me anything else about the alleged debt and that I would have to talk to IC Systems. I sent IC Systems a letter asking as to proof of the alleged debt and have yet to hear back from them. I believe this to be a false debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06880
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A