Date Received: 2020-12-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In the beginning XX/XX/2020 I received a notification on my credit report of a collections debt from IC System. I didn't know what the debt was about because I did not receive any mail pertaining to this. I called and was told it was from XXXX bill owed. I have never had a XXXX account and know nothing of this debt. I proceeded to write a letter on XX/XX/XXXX and sent via certified mail to ask them to verify the debt and explained to them I do not have an account number because I was never given a letter. They wrote me back saying they needed an account number to verify the debt and that the account number can be found on their website. I was able to obtain the account number and sent another letter on XX/XX/XXXX with their letter and my original letter as requested by them via certified mail and again asked them to verify the debt within 30 days and if not to delete this off my credit. They received the letter on XX/XX/XXXX and to date I have not received a verification of the debt and it has not been removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
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 have yet to receive any investigation results.
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: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A account appear on my credit without my understanding of ever applying for these account. I contact the merchant and the bureaus and insist it be remove but no word or action yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06708
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: When I had XXXX XXXX ( XXXX ) I HAD to move, PER DOCTORS ORDERS, and requested my service be moved. They tried to charge me {$350.00}, just to move my service. Not because I wanted to move but, because it was MEDICALLY necessary for me to do so. I refused to pay that amount, returned their equipment, and terminated my service. I received an outlandish bill initially. When I called and spoke to upper management, my complaint/case was escalated. I never heard from them again. Then, this ICS Systems popped up on my credit ( XXXX ), I was told I could pay 30 % and it would go away or, I could continue to let it affect my credit ... I filed a complaint and they won ... Ive had NO CONTACT WITH THEM or XXXX XXXX in years. Recently, I applied for credit ( after 6 years of on time payments ) and was denied due to a recent non payment/late payment so, they took it upon themselves to affect my credit all these years later even though I believed and stated, my initial request to move service was and shoulda been protected by Americans with Disabilities moreover, a company courtesy under the circumstances with a DOCTORS order. I would like these people to stop reporting this as a recent non payment and Id also like to know how or if it can be removed under any Disability Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Account was dispute it and deleted for inaccuracies and they added it back after fraudulent activity and now theyve put the collection under a different Company to be fraudulent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: IC Systems account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company sent me a letter informing me that I have two accounts that was placed with their company for collection. I informed this company that I have no knowledge on either account and I asked for copies of the contracts I signed. I was informed that they have nothing and its currently being reported that to the credit agencies which is damaging my credit and I was informed that it will remain their until I pay on two accounts I have no knowledge of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77385
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There was not an option specifically tailored to my needs. I had a {$100.00} balance with a utility provided after I ended services with them. It was missed and on XX/XX/XXXX I received an alert from XXXX. I pay all my bills on the XXXX of each month, and included it to be addressed and paid in full on XX/XX/XXXX. I.C Systems reported the same collection 5 times to my credit, resulting an a credit score decrease of 24 points. All the while I am in the process of increasing a business credit line. 24 points is detrimental to a business owner, and reporting the same collection 5 times in one month should not be allowed, and should not effect someone's credit score that dramatically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52722
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt being reported to XXXX is not mine. I have contacted IC System and XXXX to no avail. The debt is invalid. I owe nothing to XXXX XXXX XXXX. This debt was satisfied with XXXX XXXX XXXX when I stopped doing my business with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44070
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A