Date Received: 2020-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company IC SYSTEM has failed to comply with deletion of this account to credit bureaus. Delete now or lawsuit will be the next step.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received multiple calls from IC systems day after day. It interrupts my day and has become very frustrating. The number that I call back to resolve this debt says the number is not in service. Which is also very frustrating in order to try and resolve this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
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 have a loan with I C SYSTEM ( Original Creditor : XXXX XXXX XXXXXXXX ), XXXX XXXX ( Original Creditor : 10 XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX I C SYSTEM ( Original Creditor : XXXX XXXXXXXX XXXX ), XXXX XXXX ( Original Creditor : 10 XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
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 have a loan with XXXX XXXX XXXX, XXXX, and I C SYSTEM ( Original Creditor : 11 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and I C SYSTEM ( Original Creditor : 11 XXXX XXXXXXXX ) with no successful resolution. There was definitely an error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is in reference to IC SYSTEM Account Number XXXX. I sent a dispute letter by mail and it was returned as not deliverable and this is a violation of the law. All items on a credit report must be 100 % accurate and verifiable and this item can not be verified because I send a letter to the address being reported by the collection company and it was returned to the sender. Therefore I am demanding the item be deleted from my credit report at once or I may refer to a consumer credit attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been receiving bills from XXXX XXXX XXXX for a person with last name XXXX ; however, I never had any service through the company. I reached out to XXXX XXXX XXXX to let them know that this does not belong to me, and they were not able to produce any proof that they belonged to me. The company noted to disregard the notices. Today, XXXX/XXXX/2020 I received a letter from IC System - Collection Notice regarding a balance due of {$520.00} ( reference number : XXXX ; account number XXXX ; creditor XXXX XXXX XXXX. The name, again only shows " XXXX '' without a first name. However, the address is my address. I believe that the company is mailing out mass letters to every address related to any persons with the last name XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, My Identity was compromised back in XXXX and someone opened an account with XXXX AKA, XXXX in Michigan. For your information, I live in Florida, and I have never lived in Michigan and never opened an account with XXXX there. The fraudulent amount was {$230.00}. I found out this identity theft incidence when it came up on my credit report back in XXXX, XXXX. Right away I have reported this incidence to XXXX XXXX XXXX Police Department in Florida where I reside on XX/XX/XXXX. Police case # XXXX. On the same day I called XXXX customer service department and ID theft Department. Per their instruction I have sent " ID Theft Package '' to XXXX back in XX/XX/XXXX to solve this Identity theft issue and take the fraudulent charges from my record. I collected data, filled-out the form and faxed them the complete package ( Attached with fax confirmation ). But they have not done anything about it. I would like to mention here, I have been XXXX customer for my home in Florida from XXXX. On XX/XX/XXXX I see in my credit report that a collection company named-XXXX XXXX placed a derogatory collection notice/allert on my credit report in Experian. At this current moment I have applied for mortgage for my home. This is causing a huge problem getting mortgage loan. I have called XXXX on XX/XX/XXXX and spoken to customer service and fraud protection department @ ( XXXX ) XXXX and they said they can not find previously submitted file and I have to file it again. The customer service representative said to submit the same file with supporting documents. I have submitted that on that day ( XX/XX/XXXX ). When I called back, they said that it can take 30 to 90 working days to get a finding on this fraud claim. XXXX Reference # XXXX I have also called IC Systems, the collection company. When I called first time a person name XXXX took the police report number and said that she will take care of it. Second time I called on XX/XX/XXXX a lady name XXXX and supervisor XXXX said that, they can not do anything on this. I am attaching the collection letter for your information. I am sending this complaint because : 1. XXXX opened a fraudulent account on my name in Michigan without verifying with me when I have an existing account with them. 2.XXXX has been very negligent about processing the ID theft claim I have submitted on XX/XX/XXXX. 3. They have never taken any action or taking this fraudulent charges from their inventory. This negligence causing me and my family a huge financial burden. 4. Going through this hurdles, I have spent at least 50 hours just to monitor my credit, trying to solve this issues, spending on phone with collection companies and XXXX. I have lost wages for those hours in last 2 years. I am a XXXX in the State of Florida. I have lost at least {$3000.00} worth of wages because of this issue. Every time I called XXXX, it is huge run around and no solution to be found. Thus please help me solve this issue by removing this fraudulent charges from my name and removing this collection/derogatory report from credit bureaus from my accounts Should you have any question, please do not hesitate to contact me at XXXX XXXX XXXX XXXX. Thank you!. -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
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: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I.C. System Inc. reported the same debt to credit bureaus in the amount of {$380.00} on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 I was never notified of the debt or given the opportunity to dispute the debt prior to it being reported to credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a email from XXXX XXXX about a collection on reported on my a XXXX XXXX credit report XX/XX/2020 this was the first I even new someone was trying to collect a dept. On XX/XX/2020 I disputed threw XXXX XXXX and came back accurate. Don't know anything about this bill it from IC Systems Collections for {$460.00} stated the the original creditor is XXXX XXXX XXXX. I again Disputed the collection XX/XX/2020 this time directly threw XXXX XXXX web site. This time the results came Not Specified and changes were made. I called XXXX XXXX and they did know what that results meant. I asked them if IC Systems provided any documents proving that this is my debt and stated no. This is not my debt and want removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A