Date Received: 2020-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Company continues to try to send me bills for medical debt which i am onXX/XX/XXXXI provided them the XX/XX/XXXXid number. I am attaching my medical card which shows I have been insured since XX/XX/XXXX. The collection was updated XX/XX/XXXX after providing evidence of insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my consumer credit report and found an inaccurate account listed. I've made several attempts to dispute this negative, erroneous, and unverified account by USPS Registered Mail. I ask that this re-aged account be immediately deleted. This account is hindering my ability to obtain funding, tradelines, and causing me to pay higher interest rates. This violation of the Fair Credit Reporting Act ( FCRA ) should be remedied. This account is also reporting differently on all 3 Major Credit Bureaus. ACCOUNT NAME : I C SYSTEM COLLECTIONS
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: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
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: I have sent IC Systems and XXXX requests about this collection being reported to see if this is even an actual true debt I owe, neither XXXX nor IC Systems have sent me aythig to substantiate this debt? How can they just make a claim suggesting that I owe a debt but not provide me any proof of this debt? If that is how credit reporting goes, then ANYONE can just send a bill, claim that you owe it and then damage your credit until you pay them? That sounds a lot like fraud to me and the rest of the world? XXXX has removed this account from my report because they were not able to substantiate this account, so I am curious how XXXX is able to? Additionally, XXXX is reporting the Date of Last Activity as of XX/XX/2020, making this account appear like a new account, by TWO YEARS! Isnt it a big violation to re-age an account? Isnt that a suable offense? Especially since I have already shown XXXX their errors and they just updated it to make it a worse impact on my credit? It almost seems intentional. Again, tht seems fraudulent. Can you recommend how I go forward with litigation because this has been injuring my credit and stoppong me from being able to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Assignment clause Notarized letter of debt purchase Signed contract from original creditor I am disputing this account. I ask for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the following proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally If they are saying it is verified then where's my proof? What methods are you using to verify?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08876
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Originally I responded to the cable company that this was not my account, that I did not order that service if it was provided to someone, but I did not order. Later a collection agency started collecting, I equally replay that it was not mine. That agency placed delinquency in the credit bureau and I disputed. This was their answer. Despite that, the collectors neither the cable company are able to prove that I ordered that service. the following shows it all : From the XXXX XXXX XXXX XXXX INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Details Account Details Payment Status Account Number # XXXX Name I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2018 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$640.00} Original Amount {$640.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$640.00} Something else : The house at XXXX XXXX XXXX. in the XXXX is my property, but I am living for several years at XXXX XXXX XXXX XXXX . XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10541
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt does not belong to me and I would like it removed. Im already having a hard time as it is due to covid 19. I went to get a loan to be turnt down due to this false collection. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: i was looking at my credit report and i see a collection on my credit report and its affecting me from getting my life together. i would like verification of the this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I lost the bill sent to me by the medical provider and subsequently forgot about it and didn't pay the bill. When notified that the bill was outstanding I paid the medical provider.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10591
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Original bill was for a XXXX XXXX account - not aware at the time of outstanding bill until XX/XX/XXXX. On XXXX outstanding bill was paid with XXXX - Immediately notified IC System and submitted documentation. They continue to refuse correction - which has resolved in higher interest rate on mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28532
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A