Date Received: 2023-10-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Complaint Against I.C. Systems for Unrecognized Collection Notice on My Credit Report I hope this message finds you well. I am writing with deep concern and distress about a recent collection notice placed on my credit report by I.C. Systems. Prior to this, I have maintained a clean credit history without any collection notices. This unexpected entry not only impedes my potential future purchases but also adds an undue layer of stress in these already trying economic times. On XX/XX/2023, I contacted I.C. Systems at the number ( XXXX ) provided on my credit report. At precisely XXXX XXXX, I spoke with a representative named XXXX to inquire about the aforementioned collection notice. She informed me that the collection was related to a XXXX account and further explained that their records show the account being handed to them on XX/XX/2023. XXXX also mentioned that a letter was dispatched to me on XX/XX/2023, to inform me about the situation. This seemed incongruous, as the collection was already on my credit report by XX/XX/2023. I probed deeper, inquiring if any other communication attempts had been made. XXXX confirmed no attempts besides the letter. When specifically asked about phone contact, she indicated that there had been no phone outreach according to her records. I explained to XXXX that I do not recognize this alleged debt and had not received any notifications about it. I then requested the removal of this collection from my credit report, at which point XXXX transferred me to her supervisor, XXXX ( # XXXX ). I reiterated my concerns to Supervisor XXXX and inquired about their communication methods regarding the collection. Although XXXX confirmed the dispatch date of the letter as XX/XX/2023, she contradicted XXXX 's information by stating that phone attempts were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2023. XXXX further mentioned that they are prohibited by law from leaving voice messages, and she was unable to provide the numbers from which they had allegedly called. Upon questioning the legitimacy of the debt, XXXX revealed that XXXX. XXXX does not own the debt ; instead, it remains with XXXX. I found it perplexing that a company, which does not own the debt, could place a collection notice on my credit report. XXXX clarified that they were operating on behalf of XXXX. Despite my repeated requests to have the item removed due to its dubious nature, XXXX declined. Given the above circumstances and the inconsistency in I.C. Systems ' communication, I believe it is necessary to bring this matter to your esteemed attention. I genuinely hope that the CFPB can provide guidance and resolution in this matter. Thank you for your time and consideration
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I submitted a complaint letter about the actions of the collection agency, I.C. System, Inc, in regard to a debt claim against me in the amount of {$230.00}. I have no knowledge of any contractual agreement or transaction with I.C. System, Inc, and I have never received any services or goods from this company. Despite my request for verification of the debt in question, I have received no documentation or proof that substantiates this claim. Given the absence of any prior knowledge or dealings with this company, this situation raises serious concerns about the validity of their claim, and I am worried that I may be the target of a scam or fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is not my account this account had been removed from my credit and was readded by the investigator. None noticed me It was just replaced I had insurance with XXXX and XXXX and XXXX XXXX XXXX I moved out of state. This isn't my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2002 IC SYSTEMS INC : RE : Account # XXXX To Whom It May Concern : This letter is being sent to you due to your erroneous reporting to the Credit Bureau ( s ) causing a highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at most 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Disputed this debt x2, wrote to company and received a basic letter with no identifying information, AGAIN. Ive been disputing this for months and I want it removed no indication this ever belonged to me at all! They refuse to provide what I asked for and wont remove this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon pulling my credit report, I noticed that there is an account from IC System, INC in the amount of {$110.00} that does not belong to me. I do not know what this is for, and I have not heard from this company and had no knowledge of them until the account showed up on my credit report. Per the FDCPA, within five days of attempting to collect on a debt, the FDCPA requires a collector to provide validation of that debt. I have received nothing from this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30241
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've tried to get them to correct the information on my credit report for multiple of the collections. They are not consistent across the 3 credit bureaus and do not hairy the right amounts or dates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I recieved a letter from I.C. Systems Inc. claiming to be a collection agency XX/XX/XXXX. I never owed XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX ) XX/XX/XXXX as claimed. I went to the gym to start a membership however they charged my credit card without my knowledge, I disputed with my credit card and the charge was removed. I never recieved any other information regarding this transaction and never went back to the gym. This is a fradulent claim that I owe {$530.00}. The owner of the gym is dishonest trying to take advantage of people looking into gym meberships.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44306
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 Us Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information resulted from an alleged identify theft, not later than 4 business day after the date receipt. It has been 30 days and you are in VIOLATION! Of the law because I am a victim of identify theft. Please delete these items IMMEDIATELY!. I NEVET GIVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violates my rights as s federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As s consumer I am demanding the deletion of the account listed IMMEDIATELY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am not liable for the debt with defenders I.C. System INC the company did not provide the ORIGINAL contract with my SIGNATURE as I requested. According to the XXXX I. C. System INC IS NOT AUTHORIZED to collect any debts in the state of TEXAS. 15 US code 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 15 US code 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 US code 1692 ( f ) ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 US code 1692 ( G ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing 15 US code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 US code 1681B It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter 15 US code 1682 ( C ) ( 2 ) A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that 15 US code 1681 ( S ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. I have also filed a complaint with the XXXX XXXX XXXX see attached documents. I have also attached proof that this company is not licensed to collect any debt in the state of Texas.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A