Date Received: 2020-07-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This account was sold to a collection agency who does not have an account with me. I am not responsible for paying this creditor company anything. This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: These are some reports I would like to remove from my report both XXXX and XXXX. Im a poor hardworking XXXX and my car got stolen back in LA with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account. Kindly assist me and remove these items from my report as Im already struggling with XXXX debt and XXXX and unable to get a place an apt 1br to rent as due to these dings and information on my report. I sincerely urge and requesting to remove this and close this information on my report so kindly remove this from my report. My everything got stolen and lost major documents and social so I was struggling making new documents and aswell my car got stolen which the police reports are attached. I sincerely appreciate assistance in contacting these companies and removing from my report as my credit got mishandled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Thank you for taking the time to read the complaint. After reviewing all credit reports IC Systems placed a collection on the credit report from XXXX. I am requesting not a bill, however a signature to validate and possible contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX - XXXX XXXX XXXXXXXX XXXX XXXX, Illinois IC Systems - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2015 for {$58.00} not owed to this company because I never did business or had a contract with this company. reporting negative information to my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I continue to received updates daily on my credit report from the company I.C. System, Inc, i have sent a letter for debt validation because i do not believe the account belong to me, i have heard nothing from the company only receive daily updates that my account was flagged as Collections. IC Systems Inc XXXX XXXX XXXX XXXX XXXX, MN. XXXX {$320.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX says i owe a debt of {$5400.00} but to my Knowledge i don't owe XXXX any debt. They have now turned me over to a collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recieved and update on XX/XX/XXXX I believe that I had a collection account hit my report for outstanding debt that I knew nothing of or had. Then I called the agency had wrong address for me and no other info at all. Says I opened in XXXX on XXXX but I've had XXXX since 2018. Also I called to dispute with agency received no help and not only did they report to my credit once they then reported 2 more times XXXX XXXX total of 3 times they hit my credit report and AFFECTED it each time!!!! And I know that is not legal for them to do 3 times in 1 month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: IC SYSTEM are attempting to collect {$250.00} debt from XXXX XXXX., which was paid, XX/XX/XXXX thru the debt collection agency XXXX ... After paying I received the confirmation # XXXX ... The derogatory mark was removed from my credit report until XX/XX/XXXX ... I've informed them of this and provided the same info ... I also disputed the claim and they refused to rectify the error. I haven't held any accounts with XXXX in years so there's no reason for this same mark to reappear after being paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A