Date Received: 2020-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't own this debt nor do I know what this debt comes from. I haven't come into any financial obligations with IC SYSTEM. I dont have any contracts or debts with IC SYSTEM
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX a collection was placed on my account from IC SYSTEMS. When I called I found out it was for a XXXX account I had back in 2018. Due to the pandemic I couldnt get XXXX on the line, they wanted me to use a self service option. So I called the collection agency back and told them I needed this collection of of my credit and I agreed to pay it for now and dispute it with XXXX later! I finally got a rep on the line with XXXX and she stated the chargers were from unreturned equipment. She found where the equipment was returned! The collection agency stated they will remove it in 30-45 days it should have never been on my credit. They never once even attempted to collect the debt prior to placing this on my credit. Last I spoke about this account I was advised I didnt owe anything!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
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, I.C. SYSTEM, INC, and XXXX 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, I.C. SYSTEM, INC, and XXXX 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: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
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 XXXX XXXX ), XXXX XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX 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 : XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX 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: CA
Zip: 95330
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Today, a collection agency named IC System just reported a {$550.00} collection account on my credit report. According to the Fair Debt Collection Practices Act, they are supposed to notify me of a possible debt, and give me 30 days to answer to it, before they report it on my credit report. I was not given that opportunity, otherwise I would have certainly contested it, because I have no outstanding debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft due to an XXXXXXXX XXXXt breech. XXXX XXXX services and XXXX XXXX services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: XXXX XX/XX/XXXX {$1500.00}. Sent request to remove debt on XX/XX/XXXX certified mail. No answer. XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00}. Currently under a payment plan to pay off debt XXXX XXXX XXXX XX/XX/XXXX {$60.00} currently on a payment plan to pay off. All these items needs to be removed from my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collections account showed up on my credit report and I have tried SEVERAL times for account validation because this isnt mine and unfortunately had identify theft with XXXX so I watch my credit report VERY carefully. I have never received communication by mail or phone from this company and went as far as to contact the credit agencies for help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was recently notified by my credit card company that my credit score had dropped. When I reviewed my XXXX credit report I saw that I had a new account in collections with I C System and the amount of the debt was {$140.00}. I do not know what this debt is for and I never received any notification from I C System regarding the debt or the collection. I have also disputed this debt with XXXX. I do not who I C System is or how to contact them regarding this alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was notified by my credit monitoring that a Collection Item was on my account with a date of XX/XX/XXXX from IC Systems XXXX XXXX, MN attempting to collect a debt not owed from XXXX. IC Systems never sent a notice of debt collection. XXXX stated in a phone call on XX/XX/XXXX at XXXX Eastern Time with XXXX that the bill was a mistake, the equipment was returned on XX/XX/XXXX and to disregard the bill. I spoke with XXXX from XXXX on XX/XX/XXXX at XXXX Eastern Time, who confirmed there is be a XXXX balance on the account. I have not received a bill from XXXX since. IC Systems is required to send a notice of collection, which it did not. XXXX has already removed the collection from my account after dispute, XXXX is still reviewing the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A