Date Received: 2020-10-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2020-10-21
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 was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02127
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My credit report states that IC Systems put a major derogatory mark on my credit report in the amount of {$460.00} on behalf of XXXX XXXX. I spoke with XXXX XXXX at XXXX on XX/XX/2020 who stated that they have yet to contact me nor have they sent any correspondence from me. Furthermore, they stated on my credit report that I am more than 120 days late on this account, however, Mr . XXXX stated to me that they have only owned the account or 99 days. This company put a false mark on my credit report : incorrect dates, has not contacted me, and has not validated the debt. Mr . XXXX refused to give me the phone number to IC Systems at first until I told him that I was transferred to him did not have access to the phone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2020-10-21
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: On XX/XX/2020, I was notified of a collection entered on my credit report in the amount of {$490.00}. I did not recognize the charge. I have been a victim of identity theft in the past. I disputed the charge and the dispute is in progress. Today, I was notified that the collection was put back on my credit report. The collection agency did not respect that the dispute is in progress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 3 times Ive sent debt validation letters to IC Systems. Every time they send a response they say that they can not find me in their files bc I have not submitted any information they need to look me up. My name and address are always included and they can not locate me in their system with either or. But they are reporting this allege collections on XXXX & XXXX. I then sent a dispute letter to XXXX & XXXX and both investigations have came back verified. Ive then sent the credit bureaus another letter asking how the account was verified if IC Systems can not locate me in their system, only to receive another verified investigation result without proof of their verification process. This account needs to be removed immediately since they can not send me debt validation bc they can not find me in their systems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61201
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've recently been in contact with the credit bureaus over the past couple of months due to accounts appearing on my credit report that I never opened or received any goods or services on behalf of. Even though this has been a ongoing dispute I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by I C System whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) I C Systems has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. I will included supporting documentation along with this claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72116
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I had a wireless account with XXXX that I ended up shutting down. They charged me the back payments for it and account disconnection fees. They gave what I owed to a company they worked with, XXXX XXXX. I worked with XX/XX/XXXX and made a payment plan for a small amount a month ( as I could not afford more ) and made the payment every month for the last year or so and they agreed not to report it to my credit as a collections as long as I made that payment. Over the summer, XXXX gave my account to another company, I.C. System, without notifying me. I realized my payments were not being made to XX/XX/XXXX and called them to ask them if they still had my account. They said they did and to not worry. In XXXX I received a letter from I.C. System saying they had my XXXX account. I once again called XXXX. XXXX and they said that it was impossible for them to have my account as only one company could hold it at a time and that they still had it. They said to ignore the letter from I.C. System. I tried to call I.C. System anyway but couldn't get a hold of them. I noticed again that my payments were not coming out of my bank account for XXXX. XXXX in XXXX so I tried to call them. The number was no longer for them and when I went to find my account online it said the account didn't exist. I called I.C. System on XX/XX/XXXX of this year at XXXX. I spoke to an agent about my account and asked her what the minimum payment was that I could make monthly in exchange for them not reporting it on my credit as a collections. She told me I could make monthly payments of XXXX dollars and they would not report it on my credit as a collections. She set up the payment arrangement for me. The XXXX dollars was to come out every month on the XXXX. I paid it on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, the same day I made my second payment, I got an alert that a collections account had been reported to my XX/XX/XXXX credit report. It was the XXXX account reported by I.C. System. I called them on XX/XX/XXXX, when I saw the alert, and spoke to agent, XXXX XXXX, ID XXXX, and asked why my account was reported as a collections, which damaged my credit that I have been working hard to improve, and the agent tried to claim that I had agreed to pay XXXX dollars a month and that by paying XXXX I had broken the " contract ''. I told him I had agreed to XXXX and that they had wrongly reported a collections to my credit report and that they needed to remove it. I told them to pull the phone call from XX/XX/XXXX where that agreement was made between the agent and I. They said they would pull the call over the weekend and call me back on Monday. Today, Monday, the XXXX of XXXX, I called them around XXXX. The agent, XXXX XXXX, ID XXXX, told me they had pulled the call and heard that I was correct in my statement so they were going to have the collections account removed from my credit. Mysteriously, however, my payment arrangement had disappeared in their system and she wanted me to arrange a payment arrangement for {$380.00} a month instead. I told her I can not afford that and that they had already made an arrangement with me to accept a monthly payment of {$25.00} in exchange for not reporting it as a collections to my credit report. She then tried to say I could pay XXXX dollars for 3 months and then go up to {$380.00} or pay {$2000.00} when I get my tax refund, which is out of line and ridiculous. I told her they were being underhanded and trying to force me to pay more money than what they agreed I could pay. The collections account is still showing on my transunion credit report as well even though they said they had it removed. I would like them to honor the payment arrangement they made with me and to remove the collections account from my credit reports. The calls with the agents I've had on XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX can all be pulled and listened to as they are recorded to show that I am telling the truth about what has occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32309
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Day, My name is XXXX 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 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX RECEIVED THE LETTER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I C SYSTEM ( Original Creditor : 11 XXXX XXXX ) ... .I have never had XXXX XXXX XXXX or XXXX so I have no idea whos this is ... I see a name on my credit report that is not mine and i have never gone by it is XXXX XXXX , Im sure the reporting of this debt is a case of mixed file ... ... I have contacted all 3 credit bureaus multiple times and they say that IC SYSTEMS verified and validate this debt ... how so if it is not mine? They have never sent me proof which im sure they do not have ... .I asked for a copy of the wet ink contract and received no response ... .there is no way that they can verify and validate this erroneous account on my report. i need this deleted now or i will be contacting a consumer attorney as well as putting a complaint in with the state attorney general as i am in the process of purchasing a home and this is killing my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I don't remember applying or using these guys at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A