I.C. SYSTEM, INC.


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"Products" offered by I.C. SYSTEM, INC. with at least one, but usually more complaints:

Bank account or service - Checking account
Bank account or service - Other bank product/service
Checking or savings account - Checking account
Consumer Loan - Installment loan
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Mortgage - Conventional home mortgage
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Student loan - Federal student loan servicing
Vehicle loan or lease - Loan

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Complaint ID: 4063500

Date Received: 2021-01-12

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: XX/XX/2021 I.C. Systems filed XXXX collections to XXXX Acct # XXXX for {$140.00} Acct # XXXX for {$97.00} Acct # XXXX for {$240.00} None of these were mine. I call I.C. Systems, furnished the account # and explained these were not mine. I. C. Systems went on to get my information. They have no record of me in there system. Rather than correct the problem with the credit bureau ( XXXX ) they refused to speak with me any further.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 344XX

Submitted Via: Web

Date Sent: 2021-01-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4062890

Date Received: 2021-01-12

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: I.C SYSTEMS PROVIDED AN ATTACHED ACCOUNT OF VEFIFICATION FROM XXXX. CLAIMING IT TO BE VALIDATION OR TRYING TO MAKE IT LOOKS AS IF IT WAS VALIADITION FROM I.C STSYEM TO COLLECT SAID DEBT. WHICH IS NOT WHAT I REQEUESTED OR ASKED FOR. I ASK FOR PRROF OF CLAIM AND A ORIGINAL CONTRACT WITH MY SIGNED NAME BETWEEN ME AND I.C SYSTEM. THIS COLLECTION COMPANY DOES NOT HAVE VALIDATION OF AANY SUCH THIS TO CONTINUE TO LEGALLY ATEMPT TO BOTHER ME.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33603

Submitted Via: Web

Date Sent: 2021-01-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4060908

Date Received: 2021-01-11

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: On XX/XX/2018 I C System added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, I C System has violated my rights as a consumer, and I am 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: IL

Zip: 62040

Submitted Via: Web

Date Sent: 2021-01-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4060733

Date Received: 2021-01-11

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: On XX/XX/2020, I C SYSTEM add a derogatory mark on my credit reports. I C SYSTEM did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: KS

Zip: XXXXX

Submitted Via: Web

Date Sent: 2021-01-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4060523

Date Received: 2021-01-11

Issue: Attempts to collect debt not owed

Subissue: Debt was already discharged in bankruptcy and is no longer owed

Consumer Complaint: I received a collection letter dated XX/XX/XXXX from I.C. System demanding {$150.00} from me for a medical bill they stated I owe to them. Because I did not recall having medical services with their company nor XXXX XXXX and XXXX. On XX/XX/XXXX, I sent a debt validation letter to I.C. Systems requesting that they provide me with The name and address of the original creditor, the account number, and the amount owed. A copy of the original contract that I signed for services. Verification that there is a valid basis for claiming I am required to pay the current amount. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor : a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest, the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Proof of your authority to collect this debt, whether you are licensed in my state and if so, provide the date of the license, name on the license number, and the license number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I was shocked when I received a letter dated XX/XX/XXXX that had an attached letter that was a medical report with my PHI. I never signed a release, I never provided a copy of my state issued identification card, nor did I fill out any forms requesting a copy of my medical report. I.C. System negligently released my PHI to an unknown source without any written consent. Even more concerning is the accounting information listed on the document that I.C. System provided to me. The total amount states {$150.00}, the payment/adjustment states {$150.00} and the balanced owed states {$0.00}. I.C. System has engaged in HIPPA violations, they have violated my civil rights and they are attempting to collect on a debt that has a XXXX balance according to their own records. I am requesting that this company cease all contact and collection efforts with me. I am also request that there be an audit and an in depth investigation into the collection practices of this company.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: AR

Zip: 72120

Submitted Via: Web

Date Sent: 2021-01-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4059378

Date Received: 2021-01-11

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: There is a negative credit report due to an alleged 10+ year old XXXX XXXX overdue bill of {$550.00}. I have not had a XXXX account in over 10+ years minimum. Ive tried resolving with XX/XX/XXXX directly via phone and online and also with XX/XX/XXXX and XX/XX/XXXX with no success. This alleged overdue balance is over 10 years old, minimum. This is ludicrous that an alleged balance that is over 10+ years has just recently been placed on my credit report. It severely past the statute of limitations and with any research this can be verified. I have not received any literature or a " Validation Letter '' regarding this for clarification or to directly dispute/resolve with XX/XX/XXXX The credit report on XX/XX/XXXX and XX/XX/XXXXis under the company of IC Systems and was opened XX/XX/2019 and as mentioned is already on my credit report and has already impacted my life negatively. I am also contacting the other Federal and State corresponding departments to file reports.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NJ

Zip: 08094

Submitted Via: Web

Date Sent: 2021-01-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4059118

Date Received: 2021-01-10

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX was removed from my credit reports, ( EXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I successfully disputed XXXX XXXX of {$170.00} Termination Fee. I do not and I have never owed XXXX a {$170.00} Term. Fee. I have statements I paid from XXXX ( {$10000.00} ) .I paid every month, even the last three months that I had no internet connection or land phone ( XXXX XXXX ) .I terminated XXXX XXXX. Via phone on XX/XX/XXXX and Returned Equipment XXXXI PAID all charges owed through XX/XX/XXXX. XX/XX/XXXX they tacked on a Termination Fee I didn't owe, had never been told of or spoke of from any XXXX XXXX a Fraudulent, illegal charge. In XXXX XXXX when the fraudulent charge was removed from all of my credit reports, XXXX went to another Collection agency-icSystem, letter dated XXXX-Received XX/XX/XXXX, with the same illegal fraudulent charge. Letter is threatening me, if I don't pay the {$170.00} or at least settle to pay # XXXX the charge will go as a Collection against me within 30 days to all national credit agencies. XXXX blatantly gets another Collection agency to represent them to try to keep a fraudulent charge I never owed, against me on my credit reports. I had even paid for the months I had no service ( XXXX ). You can see from all of the accounts I have in good standing, no past due or over limit, I properly pay what I owe, but I don't pay wrong, illegal, fraudulent charges I do not owe.I do not owe Comcast-icSystems, or any of the XXXX Collection Agencies ( XXXX, XXXX, XXXX XXXX XXXX ). The audacity of XXXX to deliberitly and fraudulently attempt to swindle money out of an impoverished XXXX XXXX such as myself and to blatantly disregard all of the Credit Bureaus decision to remove the XXXX/Collection agency charge from my credit reports by hiring another Collection agency-icSystem thinking they could disregard/disrespect the Credit Bureaus and me by side-stepping through another agency to immediately keep attacking me.I attempted reasoning with XXXX XXXX, when I made a final payment to them of XXXX arrogantly refused to listen or reason. This fraudulent charge has cost me Insurance and Finances in a time of dire need.Can you correct/delete this problem? I have also contacted FTC. XXXXCollection Agencies should not be able to Illegally Harrass me for a debt I never owed, especially less than a week after the Credit Bureaus deleted it from my credit reports. Isn't it illegal to negatively charge a Continuity without express consent? Can you please Stop this erroneous bully XXXX from further harm of me and others. Thank you,

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: 2021-01-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4058005

Date Received: 2021-01-09

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: On XX/XX/XXXX I received an alert about a collection account reported on my credit history from I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$65.00}, Date Updated:XXXX Amount : {$65.00} Original Creditor : XXXX XXXX XXXX Past Due : > XXXX XXXX XXXX Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I looked up the debt collectors ' information and I gave them a call. They informed me about an electrical bill that is past due to XXXX XXXX, from an address that I never resided at. I informed them that I don't know anything about this bill, never received any debt demanding letters nor any bills from XXXX XXXX or from IC Systems Collections and I asked them to remove their false report from my Credit History. Immediately I called XXXX XXXX, I was worried about my personnel information being compromised. XXXX XXXX was not able to find an account in my name either. I informed IC SYSTEMS Collections about XXXX XXXX not being able to find an account under my name. They said that they have to validate the debt with their client. In this case, I asked IC SYSTEMS COLLECTIONS to remove any collection records from my Credit Report, since they are not able to validate the debt. AT the moment, I am in process of buying a house. The IC Systems Collections refuses to remove their collection record from my Credit Report. IC SYSTEMS COLLECTIONS committed an unfair and illegal act which violates my rights under Fair Debt Collection Practices Act, 808 and 809. I asked for your assistance in resolving this matter. Thank You

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 32836

Submitted Via: Web

Date Sent: 2021-01-26

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4054014

Date Received: 2020-12-21

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I.c systems reported collection on my credit reports, on behalf of XXXX which I never had .. XX/XX/2019 Trying to collect {$440.00} Account is not mine I have disputed this collection with ic system over the phone and through the credit bureaus As a fraudulent account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33351

Submitted Via: Web

Date Sent: 2021-01-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4053577

Date Received: 2021-01-07

Issue: Attempts to collect debt not owed

Subissue: Debt was already discharged in bankruptcy and is no longer owed

Consumer Complaint: Unauthorized dispute IC system, kindacare, and all inquiries are unauthorized on my credit report and should be removed Immediately for. XXXX XXXX XXXX and XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2021-01-25

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.