Date Received: 2020-06-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX, I noticed I received a tradeline on my Credit report from IC System for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am a XXXX-year-old XXXX vet on a fixed income with serious XXXX XXXX, I also suffer from XXXX and XXXX ( XXXX ). I went to XXXX in Late XXXX of 2019, I explained my condition to the clerk. The clerk was aware of my condition, was told that under no circumstances could my phone be disconnected it was part of my lifeline, she suggested that the account be placed on auto-pay which is the best means to ensure my account would be in great standing and no chance of being disconnected for non-payment. The following month I returned to the XXXX store and requested a tablet be added to my account, I was told an additional {$38.00} for activation was required, but first, payment was due. At that instant, I did both ; made a payment ( {$58.00} ) and paid for the tablet activation. Two days later my payment of {$58.00} was returned, not rejected and for the first time, my service was interrupted. I went, in person, back to the XXXX Store and voiced my concern. No one was able to explain what happened. The following month my service was interrupted a second time and my condition magnified a thousand. I was in panic mode. I no longer trusted this company to provide consistent uninterrupted service. I did not miss nor was I late paying them. The account was on auto-pay. I call management and got nowhere with them, I informed the representative that I had the right to break the contract due to a breach of trust. I was willing to pay for my devices on the payment plan that was agreed upon, but I could not continue to pay for a phone and data plan. It was not working for me and I was on a fixed income and could not pay for cellular two plans. I contracted XXXX XXXX with a similar plan and using auto-pay. I have had no issues. Since this time I have contacted the company several times concerning that issue and my willingness to pay on time for my devices as agreed on, still, I refused to pay for the data and service which they insisted upon. The balance was {$780.00} or so for the devices. I recently received notification by mail and phone from a collection company demanding {$1600.00} concerning this account, which I flat out refuse to pay due to my not owning this amount and secondly, after my willingness to pay for my devices on terms of the XXXX contract ; which was on a monthly basis, it was XXXX that failed to provide/render services for which I was paying, so, I was forced to secure what was needed for my peace of mind. What I asked from XXXX was reasonable. They were at fought.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XXXX XXXX just put on my credit history that I own money to them. I was in a natural disaster at the time that I had them and couldn't paid for it due to the fact of the hurricane that hit our community. Now years later they have put me in collections, saying I haven't paid them. I talked to them when we had the the hurricane and they said I was food. This was when hurricane Matthew hit our community. I have tried to dispute it off my credit report and the company I.C. System ICN will not take it off my credit report. I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31525
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company ICS Systems have called me several times looking for someone else. I have told me repeatedly to stop calling me and they have refused. They told me the call was recorded and I did not want it recorded. I also explained to them that legally they can not keep calling me. So now I will look to file a lawsuit against them if they continue to call my phone number. They are a collection agency and I owe them nothing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
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 report in regards to the incorrect information on my credit report. It has been well over thirty 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: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company reported through two different credit bureau 's on XX/XX/2020 that I owed {$190.00}. I.C. SYSTEM, INC ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX I called them on XX/XX/XXXX to try and figure out who I owed as they are a collection agency. I took several calls to try and understand if it was my debt and finally figured out it was and I paid off the debt over the phone via check. XX/XX/2020 ORIG CO NAME : I.C. SYSTEM ORIG ID : XXXX XXXX DATE:XXXX20 CO ENTRY DESCR : XXXX XXXX XXXX : TEL TRACE # XXXX XXXX XXXX ID:XXXX XXXX NAME : XXXX ACH debit {$190.00} This collection agency went back and put another report on XX/XX/2020 XXXX and XXXX XXXX that it is still not paid. I called them and they said that I needed to dispute the charges with the credit bureaus.
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: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had an account removed successfully from my credit report around XX/XX/XXXX from creditor XXXX in the amount of {$700.00}. They illegally reinserted this debt by not sending me a reinsertion letter on bureaus end or creditors end but this is well within my rights. I disputed the account again and sent credit bureaus reinsertion letter once I seen that they reinserted this account on XX/XX/XXXX also I disputed the inaccuracies on this same account and ask them to remove it. I waited XXXX days for bureaus to investigate and nothing was removed I sent another follow up letter out to them XX/XX/XXXX still nothing. I also sent a debt validation letter to the collection agency that is reporting this account asking them to validate this account or remove it the collection agency sent me a bill for validation which a bill is not validating a debt, they also sent me a letter stating that XXXX still owns the debt but the collection agency is the one that is reporting this inaccurate information on my credit report how could that be? This debt has also been reaged open date has been changed since reinsertion. I have now sent a refusal to validate debt letter to the collection agency XX/XX/XXXX in response to their bill for my validation of debt request. I also sent a intent to file a complaint letter to the bureaus XX/XX/XXXX for failing to investigate and still reporting inaccurate information on my credit report. I know my rights and that is why I am now filing my complaint with you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49508
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I try to contact the company but they say they was going to call me back to see what was going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07055
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Once again someone is trying to collect a XXXX debt that is not MINE. They are trying to COLLECT from a XXXX XXXX XXXX ... This is NOT Me. This is the forth time I have reported this ... It goes away for a few months and a NEW Debt Collector comes back. I NEVER had a XXXX account. PLEASE MAKE IT STOP. I have submitted all necessary paperwork to the creditor and still no resolve. I am done providing them this information as it is a waste of time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: We switched phone companies, and after switching we paid off what I thought was everything. There was still a balance left on the account and then I got a collection. I moved so I was not receiving anything in the mail from them.
Company Response: Company believes the complaint provided an opportunity to answer consumer's questions
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A