Date Received: 2021-01-07
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: How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31707
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$780.00} {$780.00} Payment Info Original loan amount {$780.00} Balance {$780.00} Status date XX/XX/XXXX -- -- This popped up on my credit report and I didn't receive proper notification to be able to be properly dispute this. I have been residing at XXXX XXXX XXXX and we do not have any XXXX XXXX XXXX, we don't have service due to being in rural area.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is not mine, nor do I know whom it belongs to. I.C. SYSTEM, INC keeps placing collections on my credit, even when disputed thru XXXX on several occasions. This is the only information I have as shown in my XXXX Credit Report : Original creditor : XXXX XXXX Amount : {$280.00} Collection opened : XX/XX/2019 Account number : XXXX hanks for your help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: IC systems is attempting to collect a past due amount on a PRE PAID XXXX ( XXXX XXXX ) account. There was no contract on said account. IC Systems put 120 day delinquency on my credit rating
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: not mine/no knowledge of negative charge off accounts on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I see a debt collection of amount {$1300.00} on my XXXX report from XXXX XXXX XXXX XXXX and IC System is the debt collector for this, dated XX/XX/XXXX. This was not noticed until i received a notice of data security event from XXXX XXXX XXXX XXXX which provides administrative services to XXXX XXXX XXXX. Actually we took services from XXXX XXXX during XX/XX/XXXX and was duly paid from my insurance. Hackers could get my PII and health related information and billed / debt collection with back dated to extort money or else hurt my credit score. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a collection notice from IC solutions reference a disputed XXXX cable bill which was not incurred. The collection agency did not care. XXXX tried to bill for services when I did not live in the residence and services were cancelled and equipment was returned. The ongoing dispute was that they were charging me for cable and internet when I only had internet service. This was an ongoing dispute with spectrum. Depending on whom you talked to it was resolved and then reoccurred on the billing. You had to spend hours on the phone with them each and every time. I told IC Solutions and mailed them I did not incur the bill. I ask that this collection be removed from my credit report asap. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The debt was placed by XXXX for equipment returned. it was resolved prior to the debt showing on my credit report as it was returned. Representative 's from XXXX have attempted to remove this from IC Systems and they still have not complied. I placed a three-way call with XXXX and IC Systems with XXXX acknowledging there was no debt to no avail. They continue to disregard attempts to remove this and have damaged my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
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 is a NEW Complaint filed on XX/XX/XXXX. I am in possession of the papers sent to me on XX/XX/XXXX, The information provided was unresponsive to my demands. I demanded proof that I owe you money, this is not proof that I owe you money. In fact your name is not even mentioned on any of the paper work provided. Furthermore, Please provide proof of this alleged item ... Specifically the Contract, note or other instrument bearing my SIGNATURE, before continuing collection activities!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60506
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A