Date Received: 2020-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Sir or Madam, I have contacted the following companies from 2 different credit bureaus and they can not even find information on items that I have on my credit report. I would liked them removed as soon as possible. I have sent the dispute letters to XXXX and XXXX to have them removed and it has been over the standard time of 30 days with no reply. The items are ... ... 1. XXXX XXXX XXXX - Amount of {$2600.00} 2. XXXX XXXX XXXX - Amount of {$1500.00} 3. I.C. Systems, INC - Amount of {$610.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is so frustrating, IC Systems clearly understands my request for VALIDATION OF THE SERVICE ADDRESS. However they continue to only provide me a customer account ledger that does not prove that the service was at my address and is usually produced after service is connected to that particular address. Providing me a copy of a simple work order from the account would show the address and prove this is not my debt. I have requested this information NUMEROUS times and told them numerous times that service was not at my address. Next step will be a law suit for falsely and knowingly reporting and continuing to report a debt that I have disputed was not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98040
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have no knowledge of this account. I never received any notices regarding this account. This is listed as medical and violates HIPPA. I want this removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 072XX
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account number XXXX This is my final warning. IC SYSTEM and XXXX have until XX/XX/XXXX to remove this or I will file a lawsuit. You all have my account information and further tactics used to dodge this will not be accepted. IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit Agencies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am a XXXX year old college student. I live at home with both parents and have two credit cards. When I was XXXX years old, a minor, someone stole my information and opened a XXXX account. I reported the identity fraud called the collection agency who referred me to XXXX. I spoke to XXXX who made me fill out a pamphlet claiming fraud. The account was removed. Now I have a new collection agency I C system Inc attempting to collect on a debt and claim date opened was XX/XX/2020. Please help me! XXXX is a predator who allows accounts to be opened in the name of minors and do nothing to protect victims!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I went through a dispute process with XX/XX/XXXX credit beauru because I filed bankruptcy chapter XXXX back on XX/XX/2014. I consulted with a n attorney that advised i can dispute and have it taken off my credit since it have been 7 years and it is discharged. XX/XX/XXXX denied/refused my request and I am still unclear the reason why. I know people personally did same process and it was removed from their credit reporting. This needs to be looked at again. Thank you. I am not allow to dispute again and ask for more information which is not fair to me or any consumer out there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11237
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX sent me to this collection agency. I have sent numerous letters and bankruptcy documents to this company that this account was included in my Chapter XXXX Bankruptcy. If this matter is not resolved within 30 days I will notify the bankruptcy court of Wyoming that I.C Systems is illegally trying to collect a debt that was included in the Chapter XXXX bankruptcy I will also file a law suite in the small claims court of XXXX County against both company 's. If this is not resolved by XX/XX/2020 a court case will be filed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82009
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt is originally to XXXX. I have been trying to correct this with them for over a year now. IC Systems is the current collector for this debt. I have conteacted them on numerous occasions. I was directed to contact XXXX directly because there was nothing the collector could do for the fraud. XXXX then directed me back to the debt collector. I have gone back forth multiple times. I received a letter from IC Systems that the account would be deleted and not pursued any longer. However, it has never come off of my credit reprts and continues to damage my credit. I was the victim of identity theft and have the documentation stating so. But these companies refuse to take the account off even after filling out all the required documents and receiving proof of deletion. I do not know how else to resolve this issue with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37803
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Im XX/XX/2020 via telephone call to ( XXXX ) XXXX, I requested validation of the service address for said {$190.00} debt IC System claims I owe. To this date I have not received that information. My previous dispute asserts that this debt is not my debt, however, despite this, they continue to report it as mine on my XXXX credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98040
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: IC Systems didn't send me a validation of the debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A