Date Received: 2020-07-15
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENC E
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This message is to inform the public of I C Systems collection agency in XXXX XXXX, Minnesota. This company continues to report a paid debt to the credit bureau. The debt was paid in 2017. The debt was addressed with the company in XX/XX/2017 via email correspondence. A receipt of payment has been submitted multiple times over the past 3 years about this debt. Im interested in pursuing legal action again this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I CHECKED MY CREDIT 2 WEEKS AGO. THERE WAS A COLLECTION ACCOUNT FROM 3 YEARS AGO ON MY XXXX AND XXXX REPORT. I TRIED TO ASK WHY THIS IS ON MY REPORT. THE REP TRIED TO SET UP AN ARRANGEMENT TO PAY. I TOLD HER THIS IS NOT MY ACCOUNT. PLEASE PROVIDE SOME DOCUMENTS FOR THE DEBT. THE DEBT IS {$360.00} WHICH IS NOT MINE. IT HAPPENED AROUND XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX saying I owe a bill of XXXX thats not even mine its at an address in XXXX Florida I live in XXXX Florida and have not had XXXX cable.i disputed this matter with XXXX and got no where I would like to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Incorrect Derogatory Collection Account being reported to my credit reporting by XXXX, XXXX, and XXXX. IC System is now knowingly, willfully, and recklessly violating my FCRA rights by reporting an incorrect, invalid debt and collection account. The information reported is derogatory, and affects my ability to obtain proper credit, and defames my character. I have attempted to remedy the invalid, incorrect reporting myself however, IC System refuses to remove it as evidenced by the documents included in this complaint. USPS Certified Signature Required Letter : XXXX, USPS reports " Your item was delivered at XXXX XXXX on XX/XX/2020 in XXXX XXXX, MN XXXX to IC SYSTEMS MISC. The item was signed for by XXXX XXXX. '' Document received XX/XX/2020 USPS regular mail in response from IC System dated XX/XX/2020 labeled " ACCOUNT VALIDATION '' does not meet proper FCRA documentation requirements or provide proof this debt belongs to me. This is not my debt. IC Systems is incorrect in it's reporting of this adverse information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report. The following account is inaccurateI C SYSTEM {$200.00} The following account is inaccurateXXXX {$1800.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: billing i have no idea
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This item was removed from my XXXX credit report. Its wrong. Delete item. Also, I wasnt contacted about them putting this item on my credit report. Before placing item on report the person should be contacted. I wasnt. Remove and delete item from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt does not belong to me. I've asked them 5 times to validate it, and they can not. I asked them to show me where I signed to open this account they said they don't have anything to prove. They have nothing providing this account is mine I lived at XXXX XXXX XXXX XXXX Ny XXXX at the time they said debt occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A