Date Received: 2020-05-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This complaint is to dispute communication with XXXX XXXX and IC Systems. I had an emergency room visit XXXX of XXXX where I spoke with a doctor and provided a XXXX sample and was charged {$520.00} after insurance. I request a lower rate after a few months of service upon receiving a bill. I was told that they would call me back after a review was conducted. A few months later I was reached out again in XXXX of XXXX after no phone call was made and explained the situation over again and was told to wait for a call, to which I provided the number they should call. Then in XXXX of XXXX I answered a call from IC Systems explaining they were a debt collector for XXXX XXXX and that they were to collect a debt. The very same debt that I had inquired about and was waiting to hear back, even though I never received a call from XXXX responding to my original request. At which point I explained again what was going on. They said I could send in a physical letter asking to dispute the charges from XXXX XXXX. I asked if I could file this dispute electronically and was told that was not a possibility. I explained to them to stop calling me and then I would send the letter and to email me the physical address to send the dispute. I called a second time a month or two later after not receiving the email after verifying that I don't not receive the email, nor in a spam/junk folder, and was told they would send the email again. I also re-verifying my email. Now XXXX of XXXX I get a hit on my credit report with a collection action. I then called IC Systems back to which I had to explain the issue once again and requested they reverse the item on my credit report. They said they can not reverse the item on my credit score and said they can confirmation that the email was sent. To which I checked my email again on the date they provided it was send of XX/XX/XXXX, and it was not there. I was then given the actual address to send the dispute to. When I asked XXXX XXXX, a supervisor, at IC Systems to wait on hold for a few minutes after a short while she proceeded to hang up without notice. I now have the physical address to send the dispute per their policies. I plan to send this dispute tomorrow ( XX/XX/XXXX ) the day after speaking with IC Systems. I would like this reverse immediately due to the lack of communication on XXXX XXXX 's part and IC Systems for not returning calls as promised or delivering emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84117
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was paid previously to another company. It is listed with the exact same account number listed and exact same amount owed. I sent the receipt with the account number to them. They are refusing to consider this a settled debt because it was from another company. I was notified by credit monitoring service that this was on my credit report. I first spoke with them on XX/XX/XXXX. I have not received a validation letter from them as of XX/XX/XXXX. The debt should not be with them at all because it was paid XX/XX/XXXX. My flawless credit is bruised because of this inaccuracy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Company wrongfully furnished my credit report with information thats not true about me. This isnt my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48340
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Originally I had an acct with XXXX. XXXX purchased XXXX. I was not happy with XXXX 's customer service, so I cancelled my services. I did not owe a cancellation fee, as I was out of my contract. ( Verified by phone call. ) I mailed in all of my equipment. I paid my last payment. I do not owe XXXX or XXXX any money. I have received many notices from XXXX stating that I am owed XXXX from my deposit fee and overpayment of my last bill. I have yet so see that money, and have charged it my list of actually ever receiving it because there is no way of me actually collecting that money from a huge corp such as XXXX and including such poor customer service. I have attempted to resolve this conflict with XXXX and XXXX on so many occasions. I continuously get transferred from this person to that person. I have spent literal hours on the phone only to be eventually disconnected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Collection agency IC Systems is reporting a {$190.00} debt from XXXX XXXX XXXX to XXXX XXXX. This debt is from 2007 and is being report as 2 years and 3 months old. I recently disputed the information with XXXX XXXX however, the results did not change the inaccurate information being reported. Their contact information is : XXXX XXXX XXXX XXXX XXXX, MN XXXX United States XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 989XX
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is not mine. I don't have any ties with this company or collections agency. Please remove from my report. I have contacted the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY time2. s but failed. This account is being reported inaccurately and incorrectly on my credit report.
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: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/2020 I learned that I.C System was reporting a debt of {$250.00} on my credit report. I immediately sent a certified letter to I.C Systems which was signed for by XXXX on XXXX XXXX of I.C Systems and the all 3 Credit Bureau 's requesting validation of debt per the Fair Debt Collection Practices Act. I.C System has not provided the validation and failed to send a response to my letter with the 30 day time frame per Fair Debt Collection Practices Act. XXXX & XXXX have removed the erroneous information from my credit report however XXXX has not and is stating their investigation has proven it be accurate information but is not providing the validation of debt either. At this point both companies are in violation of Fair Debt Collection Practices Act. I would greatly appreciate this matter being looked into as this negative information is adversely affecting my ability to obtain credit. XXXX XXXX Account # XXXX Ref # XXXX Appears on Credit Report as XXXX {$250.00} USPS Tracking # XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
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: XXXX Credit Bureau reported from a debt buyer ( IC System ) that I opened an account in XXXX of XXXX. I did not. The remarks from IC System said " Affected by Natural Disaster '' I never said any of the sort to this company. This item was deleted from the XXXX report XX/XX/XXXX which I have proof of. Furthermore, the stay at home orders did not happen until XX/XX/XXXX not XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This Account was open XX/XX/2020 The Collection amount is {$620.00} it have been two late payment XXXX XXXX, saw it in my credit report and I never had open this account Credit Report Period XX/XX/2020 I call the creditor and they say is a cable company the company Name is XXXX XXXX # XXXX THIS COMPANY IS IN XXXX XXXX AND I LIVE IN New Jersey. I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A