Date Received: 2020-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I.C Systems, INC is reporting a frivolous debt on my credit files in which I do not owe them. I have never in my life done any type of business with this company nor is there a contract that is binding me to this company. I have asked them to provide me with a copy of the legal contract with my wet ink signature and the wet ink signature of the company 's representative that shows that I entered into some type of business dealing with them but I was not provided that info. I have also asked them to delete this frivolous debt from my credit in which it still remains. I have never received any sum of money nor merchandise from this company so therefore I do not owe this company any money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 I placed an online order with XXXX XXXX XXXX for some XXXX accessories totaling {$810.00}. These parts seemed to be in stock. XXXX XXXX charged my credit card immediately but failed to ship my order. On XX/XX/2020 I requested XXXX XXXX cancel my order and refund my money. After not hearing back for several days, I filed a dispute with my Credit Card Company. On XX/XX/2020 after receiving notice of the dispute, I received an email from XXXX XXXX confirming the order cancelation. On XX/XX/2020, I received a threatening COLLECTIONS email from XXXX XXXX. This time they accused me of Cyber Theft. Apparently, two days after I filed the dispute and they indicated they canceled the order, XXXX XXXX shipped a package to the wrong address and that package is now lost. On XX/XX/2020, XXXX XXXX XXXX, with knowledge and intent, used my credit card information obtained from the XX/XX/2020 order, to illegally and fraudulently charge my XXXX Visa Card a second time. Further, they set this charge up as recurring so as to cause as much financial damage as possible. Because of XXXX XXXX actions, I had no other choice but to completely close my credit card and reopen a new card disrupting all of my recurring payments with other companies. Even though I won the credit card dispute and never received my order, XXXX XXXX turned me into collections. Shortly after I began receiving calls from ICSystem claiming I have unpaid debt in the amount of {$810.00}. I've sent ICSystem proof that the order had been canceled and indicated that I did not receive the shipment, they tell me that there is nothing they can do because their client ( XXXX XXXX XXXX ) insists that I owe the debt and therefore they intend to report this debt to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43065
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
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 submitted a letter to companies concerning these COLLECTION ACCOUNTS and stated these were not mine. None of these belong to me. I have requested several times that I.C. System INC validate the alleged DEBT XXXX NOT MINE /UNVERIFIED but my letters go unanswered without a respond.I.C. System INC are reporting account that does not belong to me and belongs to someone else. I have send this to them several time ... .... Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. I am requesting proper documentation in the following form : YOU must provide a complete payment history. ( The requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. ) Please provide a complete and fully executed ; true and certified copy of the original contract that was signed at the time this account was opened. XXXX XXXX XXXX. v. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX Court of Appeals . ) Confirm under penalty of perjury that you are prepared to produce the original contract with original wet ink signatures should it be necessary for a judge to verify. Original contract transferring this debt from the original creditor to YOUR company. ( Agreement bearing my clients signature that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) The source of a debt has to be shown Along with the original day debt was incurred and has to be displayed on the credit report, and the amount your company paid for plaintiff 's debt, how amount sought was calculated. If you are not the original creditor, please provide a fully executed true certified copy of the agreement of sale or assignment of this debt from the original creditor. In addition, please provide a true and certified copy of any evidence you may have indicating that my client would be subject to such sale or assignment. The authorization to add your collection efforts to my credit profile. Intimate knowledge of the creation of the debt by you and the collection agency pursuant to the provisions outlined in the FDCPA. Proof that the date of the original debt was not prior to the statute of limitations. Show me that you are licensed to collect in my state. Provide me with your license numbers and Registered Agent. Provide details how the alleged debt was calculated. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, in Circuit Court, XX/XX/XXXX. Produce and present IRS Form 1099-OID so I may be apprised of the sum certain amount of my credit you are attempting to extort from me through the United States Postal Service ; NOTE : Mail Fraud is a crime. Also take notice that IF the original alleged creditor has a valid debt which is beyond the statute of limitations as prescribed by both state and federal law the collection of this debt is in violation of the law. There are fines for creditors or collection agencies, and credit bureaus if they try and Re-age an account by updating the date of last activity on a credit report in the hopes of keeping negative information on the account longer. This is pursuant to FCRA Section 605 ( c ) running of the reporting period. This is measured from the original contract date or last communication. Further, Title 15 U.S.C. 45 ( a ) provides a remedy with Federal Trade Commission on entities that engage in unfair or deceptive act or practice in or affecting commerce that will subject your agency to a formal complaint by the FTC. Section 45 ( a ) ( 1 ) provides : Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Emphasis added mine. Section 45 ( b ) provides that the FTC can issue a formal complaint under the thrust of an Order to Show Cause why an order should not be entered by the Commission requiring such person, partnership, or corporation to cease and desist from the violation of the law so charged in said complaint which in this case would be the unfair or deceptive acts or practices of allowing false, fraudulent, misleading and or unverified debt claims against my name. Thank you for your assistance in removing theses items from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A couple of years ago I had XXXX XXXX XXXX Cable TV and Internet When I moved back to Florida I called XXXX XXXX XXXX to cancel my subscription and ask about the last day of my service month. After being told I paid the account to date and XXXX XXXX XXXX sent me instructions as to where to take the equipment which in this case was to any XXXX XXXX. Once I returned to Florida I took the equipment that a return was required to my local XXXX XXXX. I have been receiving these collection notices for a few months now and have talked with a rep from this company IC Systems and told them I refuse to pay for a debt I should not owe! I did want I was suppose to do. I have dealt with XXXX XXXX XXXX in the past with my cell phone and I left them because they can't keep billing straight. This is another example of their incompetence. I want this removed and the collection efforts ceased!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies XXXX, XXXX XXXX and XXXX were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77061
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, I checked my monthly credit report statement noting the following : Credit Alert Derogatory Account Reported By I.c. System, Inc Reported On XX/XX/XXXX Account Balance : {$100.00} Account # - XXXX XXXX XXXX - Ticket # - XXXX ; XXXX I called I.c. System, Inc. to inquire about the charge and was told that it was related to XXXX XXXX. They claimed it was related to an account that was closed in XXXX. At no time have I been made aware of the debt. I was never given a chance to dispute it. I have returned every equipment I ever collected from XXXX XXXX. This company has a pattern of misplacing returned equipment and coercing former customers into making payments. I have made multiple attempts to contact XXXX XXXX and have been promised a call back, all to no avail. I would like this unsubstantiated charge removed from my credit report. I'd greatly appreciate your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was a XXXX customer. On XX/XX/2019, I returned to XXXX all its equipment. The same day I returned the equipment, I took another internet service with XXXX XXXX XXXX. XXXX received the equipment on XX/XX/XXXX, and I also called them to let them know that I returned the equipment. In XXXX, XXXX sent a bill mentioning XXXX past due. As a result, I called them to remind them that I haven't used XXXX for almost two months, and why they keep on sending bill to me. I also sent to them the return receipt along a formal correspondence in which I explained that I don't have in my possession any XXXX equipment. Surprisingly, in XXXX XXXX sent another bill with XXXX and XXXX past due. I did the same thing by calling them to clarify the case. In XXXX, I received a correspondence from XXXX mentioning that I have been disconnected for non payment, and I have been charged {$330.00}. All I have tried was in vain. Finally XXXX has sent the case to credit collectors. At least, three credits collectors have attempted to collect the {$330.00}. Right after I sent the proof that I returned to XXXX its equipments, they returned the case to XXXX. Now XXXX has sent the case to a fourth credit collector, which is I.C System. This is why I am writing this complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I.C.System, INC Original creditor : XXXX XXXX Account type : collection Department/Agency/Attorney Collection open : XXXX XXXX {$260.00} Account number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A