Date Received: 2020-09-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: IC Systems Inc added collection to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever. I C Systems put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23456
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A debt validation letter was sent to IC SYSTEM on XX/XX/2020 with regard to a debt that appears on my credit report as : XXXX XXXX XXXX XXXX : XXXX. IC System is a 3rd party debt collector, i received no goods or services from them, thus i have no contract with them to owe them anything since they bought this debt for pennies on the dollar and our trying to collect on a debt that they have no signed contract between the two of us. IC System has yet to respond to the debt validation letter that was sent to them certified mail on XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I C Systems failed to validate a debt that I dont know about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A collection agency named IC Systems is reporting that I have a {$570.00} debt with XXXX on my credit report. When I found out about this, I contacted XXXX immediately. The informed me that a large portion of that debt was for unreturned equipment. I made arrangements to return the equipment, and did so. Once the return of the equipment was registered, the rep at XXXX told me that I still had a remaining balance of {$190.00}. I tried to pay XXXX directly, but they told me that I had to resolve the remaining {$190.00} with IC Systems. I have been in contact with IC Systems directly, but they are still trying to collect the full {$570.00} balance. I have explained to them about the revised balance, due to the return of the equipment, but they refuse to acknowledge the adjusted amount. I've even given IC Systems contact information to the people I dealt with at XXXX, but they refuse to follow-up and confirm the changes. I have no problem accepting responsibility for any balance I have, but I refuse to pay a collection agency {$300.00} more than I actually owe, and its illegal for IC Systems to continue to ask for more than the actual debt is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ****NOT A DUPLICATE**** Previously submitted complaint XXXX on XX/XX/XXXX via CFPB website! Company failed to respond directly to CFPB and closed out the complaint on XX/XX/XXXX. Company needs to respond directly to the complaint via CFPB portal! In the previous complaint, as well as this one, I advised that I give permission for the company to submit any information to the CFPB. This company continues to violate my rights under FCRA guidelines! The company claimed to have sent their response directly to me because they couldn't verify that it was me who submitted the complaint against them, but they also never verified it was me before reporting and adding negative derogatory information to my credit report! They've never sent anything else to me before now! Never contacted me before now! I will continue to submit complaints until they respond with an answer on the CFPB website and submit a letter on company letterhead advising that they have deleted all negative information being reporting illegally. Who else would be filing a complaint against them for fraudulently reporting information on MY credit? They're using this as a stall tactic to gather more information about me in an effort to harass me or fraudulently use my personal information!! I don't want to be contacted by ANY OTHER means EXCEPT this portal! ****READ THE FOLLOWING ENTIRELY**** I received an alert from the credit bureaus that this collection account was added to my credit report on XX/XX/XXXX. When I logged into my credit monitoring service the information listed reflects that the collection agency I C System, located at XXXX XXXX XXXX XXXX XXXX MN, XXXX. Phone XXXX states that the partial account number XXXX was opened with them on XX/XX/XXXX in the amount of {$530.00} and that the original debtor is XXXX XXXX. I have never heard of this debt collector prior today. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 4 times today ... ( Calls were recorded on my end )! To find out more information and to dispute the account. I was transferred to various departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've ever married or divorced, if I've ever used any aliases and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted, violated and harassed. I felt as though the company was a fraud! Illegally trying to get my personal information to scam me. ****THE FAIR DEBT COLLECTION PRACTICES ACT STATES THAT A DEBT COLLECTOR MUST SEND THE CONSUMER A WRITTEN NOTICE CONTAINING THE AMOUNT OF THE DEBT, NAME OF CREDITOR AND A STATEMENT STATING THAT THE CONSUMER HAS 30 DAYS TO DISPUTE THE VALIDITY OF THE DEBT OR THE DEBT WILL BE CONSIDERED VALID BY THE DEBT COLLECTOR. IF THE CONSUMER FAILS TO DISPUTE THE DEBT WITHIN THAT 30 DAY TIME PERIOD DOES NOT GIVE ADMISSION OF LIABILITY! IF THE AGENCY DOES NOT FOLLOW THIS PROCESS THEN THEY HAVE NO RIGHTS OR GROUNDS TO COLLECT OR REPORT THE DEBT TO ANY CREDIT BUREAUS AND MUST IMMEDIATELY REMOVE THE DEBT DEBT FROM THE CONSUMERS CREDIT REPORT! XXXX The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute with XXXX and XXXX to removed fraudulent accounts be removed from my credit report, investigation took well over 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was checking my credit report in XX/XX/2020 due to an alert from XXXX about an updated account on my credit report. When I logged in to identify the account, I noticed 3 collections on my 3 credit reports that I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I C Systems placed a collection on my credit report back in XX/XX/XXXX. I disputed this through my XXXX account but was denied. I then submitted a XXXX complaint because 1 - The debt is not mine 2- They never reached out to me letting me know they where going to place this on my credit report 3- When i asked for proof this debt was mine they did not have any proof When XXXX was involved I C Systems did reply and stated the following as well as sent me a letter to my home which i have proof of that says : " XX/XX/XXXX XXXX XXXX Please accept this letter as confirmation that I C SYSTEM will no longer pursue collection of this account and will return it to XXXX. We will request that any information our office may have forwarded to the credit reporting agencies regarding this account to be deleted or removed from their records. You may wish to review you credit report to ensure that your credit information has been properly updated. Your credit bureau account number is :XXXX This communication is from a debt collector " CREDITOR : XXXX ACCOUNT NO XXXX I.C. System reference no XXXX Balance {$1400.00} As you can see above this was sent to me on XX/XX/XXXX. It is now XX/XX/XXXX and i just got off the phone with XXXX and they have no information from I C System and this collection is still illegally on my credit report negatively affecting me and my family financial well being. PLEASE HELP When i contacted I C System again on XX/XX/XXXX via phone the representative stated they have no idea and said they would transfer my call to a Senior advisor but instead kept me on hold and hung up. I have proof of this letter sent to me, i also have proof that I C Systems replied to XXXX With the exact same answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MNXXXX RE : Collection accountS : XXXX ( {$250.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the 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 Bureaus { 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 can provide proper documentation as requested in the following Declaration, I will require at least 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. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove these accounts from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX
Company Response:
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2020, I received an alert from XXXX that I.C. Systems Inc reported a XXXX account. They never sent me anything in writing to allow me to receive proof of debt owed or to dispute it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A