Date Received: 2020-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We purchased and transferred service to XXXX for cellphones. They assured us we had service in our home town area. After using it for a while, it seemed to go in and out. I spoke with them SEVERAL times regarding this. After speaking with a manager, the manager informed me that we could be let out of our contracts due to our area being a bad spot and XXXX not offering service there. We switched companies and now they are charging us for these contracts that I was promised would be released. I do not owe this money. I have fought with them for years over it and then they placed it in collections and it is on my credit. I have disputed it as well through my credit agencies and they refuse to acknowledge that I do not owe this money. They 100 % gave me that option, I took it to have phones that work for our business and work, and now I have this showing and affecting our credit. I would like this to be canceled from their systems and the debt removed from our credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company did not supply me with the required 30 day dunning letter. I didnt know they were trying to get any money from me. I received no calls or anything in the mail. This was reported to the bureaus illegally. This is a violation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
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: IC Systems Inc is not a bill I have ever had or had. Nor has it been a bill I have had that was sold to someone. This Bill was not Validated in a timely manner when I disputed it last time. I have no idea who this bill is but it is not mine. Now it has come up TWICE on my credit report, not once. and with different starting dates which changed the statute of limitations for them. Both illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74008
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: IDENTITY WAS USED BY SOMEONE ELSE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I C System is a collection agency reporting 2 debts on my CBR. XXXX XXXX which was paid in full to XXXX XXXX prior to my XXXX in XXXX. Another is for XXXX XXXX XXXX XXXX which shows opened while I was in the XXXX XXXX XXXX XXXX in XXXX. Not possible to get a cell phone account in XXXX. I have contacted IC System to validate both debts on numerous occassions and have never received a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have my credit monitored. Whenever there are any changes, I receive email notifications. On XX/XX/2020, I received emails from both my XXXX Credit monitoring and my XXXX monitoring that a debt collector, I. C. System , Inc., flagged by credit report. I had never received any notification that a debt was attempted to be collected by any company. I didn't even have a reference number. I only had the name of the debt company trying to collect money owed because of my credit monitoring service. I immediately called I. C. System, Inc. and able to verify that its XXXX that wants to collect a payment of {$82.00} dollars. I ask the Debt collector why I had not received ANY notification of a debt owed. The customer service representative told me that they had the wrong apartment number so their letters were " kicked back '' to the company. Therefore, she acknowledged that I received no notification. I asked why they had not called me to verify my address or to inform me of the debt owed and they said that the Company did call my cell phone on XX/XX/2020. However, the company did not leave a voicemail. Also, I have no record of a phone call being received. The company did not have any record of trying to call me after XX/XX/2020. Therefore, the company did not notify me of my debt prior to reporting it and wreaking havoc on my credit report. Instead, the Company waited 90 days after having the account to flag my credit. Now, my credit has been compromised and my high score ruined because of an administrative error due to the company. I do not see how it's fair for a debt collector 's administrative error of trying to collect {$82.00} dollars results in years of hard work undone. I paid the debt immediately. The debt could have been easily settled in XXXX and there would have been no reporting on my credit if the Agency had officially notified me of the debt owed. It appears that the company purposefully waited to report it to credit reporting company so I would call them. The confirmation of payment is XXXX and the Reference number of the debt is XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX complaints : I.C Systems a medical XXXX XXXX XXXX issue of {$280.00} on XX/XX/XXXX which proves XXXX would allow any compliant from any source. also XXXX XXXX XXXX debt of {$160.00} Secondly, XXXX 's XXXX keeps coming up as a credit card but it is not a plastic card XXXX it does not have ( VISA ) emblem on it. XXXX is not a credit card XXXX XXXX XXXX, XXXX/XXXX/2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I spoke with the representative from this creditor this morning XX/XX/2020 and they assured me that the account has been deleted from all credit bureaus after speaking with XXXX credit reporting specialist she disputed the items again based upon the documentation that I provided please delete the account from my XXXX credit report as promised in your prior correspondence
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a debt showing up on my XXXX account that has already been proven to not belong to me and was deleted before. The company obviously has sold the debt over to someone else and now Its placed back on my transunion account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22630
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They are saying I owe a debt for XXXX bill but child has only beemen to her primary doctor no ther locations
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89030
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A