Date Received: 2020-06-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I been receiving phone calls of harassment, profane, injurious and abusive language, death threats and threats of being arrested and sent to jail and prison from IC System Representatives for an account from XXXX XXXX XXXX XXXX for {$1200.00}. The account and debt is a fraudulent account and debt, and is the result of identity theft. The fraudulent account or debt isnt my account or debt. IC System is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Iowa state law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 526XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2019 XXXX IC systems totaling {$350.00} I asked they send it back to XXXX . So I can make the payment to them. I never received a bill from them. I asked they mail me a copy over email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX customer service lacks integrity. The company really only understand money. On XX/XX/2018 a phone service was issued in my name by XXXX. Upon noticing the bill over a month later. I called them trying to find out what I supposedly had ordered and tried to shut it down. What I encountered was a ridiculous policy that does not allow customers to access their account if they don't know pertinent information. I did not know the information that XXXX needed besides my social and account number listed on statement. They needed passwords and the numbers off of products they supposedly sent me. I did not have possession of those items therefor I could speak on behalf of that account. I tried again by speaking to someone else and I was told that if I take my identification into the store I could be assisted with the account issue. I visited XXXX XXXX XXXX store in XXXX NJ. I encountered the same issue. I was told that the items sent to me had to be set up and therefore link to my identification, it was some sort of foolishness that didn't make much sense to me. The teal issue was that I did not have time to deal with this because I was working to full time jobs. I had no time to really spare to resolve the issue. Once I had time again I was told by a XXXX representative that I would be sent an identity theft form to take to a law enforcement office nearest me. I absolutely did not have time for this. It was their own policy that did not allow me the due diligence to properly understand why I had a bill summery coming in my name to my address. I wanted to know what identity was used to open an account with them and also where was my signature on a signed document. To this date I have not seen validity or verification from XXXX nor I C Systems Inc. The final bill summery from XXXX had a total charge of {$210.00}. Naturally, after I refused to pay, XXXX eventually turned the bill into a collector. That collector, I C System Inc. put the negative, erroneous information on both XXXX XXXX and XXXX credit reports. Yes, I did not answer I C Systems attempts to collect the debt. One reason is their unfair debt collecting practice. I immediately noticed that they were asking me to pay a higher amount then XXXX posed that I owed them. Their collection amount is {$260.00} that you can see in the attachment. In the state of NJ it is illegal to collect any amount greater than the debt. Enclosed you will also see the last billing amount from XXXX but the copy is in bad shape ( please excuse. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: So a collection account went on my Credit report in XXXX showing I owe {$950.00} to a collection company IC SYSTEM. I have disputed it multiple times with each Credit reporting agency but have not had any help in resolving this. It will get " Closed '' then they just open a new one a couple of weeks later and XXXX up my credit. Today a new hard inquiry appeared from a XXXX XXXX XXXX. I have never heard of them, I XXXX the company and they are in XXXX XXXX. I am in Washington. There is another one for XXXX. Another XXXX. Another XXXX XXXX XXXX. Another XXXX XXXX XXXX XXXX. Another XXXX XXXX. It continues ... I do not know how to fix this but I am hoping this agency can help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2020-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently pulled my Credit Report. Completely surprised to see on that report : I C SYSTEM COLLECTIONS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$200.00} Date Updated : XX/XX/XXXX Original Amount : {$200.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I never received a bill, call, email, nothing from this company. Suddenly it just appeared on my Credit Report. They did not follow legal debt collection practices, I was not given 30 days to dispute this. As of right now, I have still never heard from this company. The damage is done. I am trying to get a new mortgage and move, but because of companies like I C SYSTEM COLLECTIONS # XXXX, who have MANY complaints such as the XXXX, XXXX, etc., I have to wait on unscrupulous credit collectors. I have never received 1 single item to try to verify this debt. I have never head from them. Now I have to waste my time waiting on this company. They never gave me the opportunity to verify the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Several months ago a collection agency named IC System contacted me about a debt with XXXX. The address of the service was XXXX XXXX XXXX in XXXX, North Dakota. I have never lived at this address and disputed it through XXXX. All they replied is that IC System has confirmed the debt as good. You can look up anything about my history and never has the address XXXX XXXX XXXX has never been a place where I have resided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58103
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX IC SYSTEMS INC placed a collection account on my credit bureau reports for {$320.00}. I wasnt contacted by this collection agency or notified of this. I never owed the debt claimed, there was a clerical error in XX/XX/2017that I provided proof it was a mistake resulting in being fully resolved. I now have a new collection agency attempting to collect an old debt, never owed from 3 1/2 years ago. I filed disputes with XXXX & XXXX with no result. There isnt any way to LEGALLY document proof of this debt because I never had an account with XXXX during the time period. I had an account with XXXX XXXX before they were bought out or merged ( not sure of specific business standing ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48134
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95207
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: There is a collection on my credit from I>C systems for a medical bill that I do not owe. I called the hospital where they allege it is from and they confirmed that my insurance paid the bill and I only had a balance of XXXX. I paid the XXXX XXXX at TX XXXX the XXXX, However this collection agency refuse to remove this error from my credit. This has caused me to be denied credit and it is defaming my character. I asked I>C system to validate the debt and they refuse to do so
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A