Date Received: 2020-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I first received this letter from I. C. Systems regarding a account with XXXX Cable company. I have never had account with XXXX cable company. I sent a letter of verification of this debt and have yet to hear back from I.C Systems with proof that this is my account. I am requesting assistance in stopping this company from sending me bogus collection letters for a account I have never had with this company XXXX. I have always had XXXX XXXX XXXX cable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have two accounts in collection for XXXX XXXX. I am unsure of how that happened because I do have an active account with XXXX. When I called and spoke to XXXX, they stated that one was from an address at my mothers house, which was paid in full but they say it was not, and we have proof. They said the other was from when I moved services, the representative said that instead of transferring the services, they cancelled the account and switched it to a new account and never forwarded me a bill for the previous property I had services at. Now I have two accounts with them in my collections on my credit report, but though some collection agency I have never heard of or spoken to. I have yet to receive documentation on the debt collectors part for those two separate collections they have on my accounts and credit report. One account in collection is not supposed to be there because it was paid for in full in person at a XXXX store, and the second one was at the fault of XXXX incorrectly transferring my services and instead canceling my account and opening a new one without my knowledge nor sending me a bill for the previous account. I have called XXXX and they are of no help and will not resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85051
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Regarding past complaint XXXX IC Systems in that complaint acknowledged they have no lawful claim of collection and stated they would cease and desist all contact and all claims of collection, as they are unable to validate any claims. IC Systems has instead opened a credit account against the complainant in an attempt to damage complainants credit for a debt which they are not owned. IC Systems has has no agreement to future services, the debt in question is past the lawful statute of limitations having claimed origination in XX/XX/2017, and IC Systems has already conceded that even during that time they had no lawful claim for collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I notified I C systems asking them to validate this debt and provide documents thew meet the legal requirement. I contacted both IC systems and all three credit reporting agencies to have this issue rectified but to no avail. I'm asking the agency to help me with this matter. I would greatly appreciate the assistance. Sincerely 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: 080XX
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: in XXXX we order XXXX service but had to cancel becuase bad service but was still bill XXXX in now in collection ics collection refrence # XXXX and acount # XXXX tel XXXX XXXX XXXX XXXX ic system im not working know im home sick from XXXX and this company is harasing me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a voice message in XX/XX/2020 from collection Agency, IC System. It took me about a week to follow up with them, due to Covid 19 issues, to determine who they were and contacted them via telephone. The agent indicated that said debt was from company XXXX, which an online search reveals they provided internet/cable services. I informed the agent that I have never done business with XXXX and that I believe this is identity theft as XXXX does not service the XXXX XXXX area. The agent asked me to contact some other telephone number, I did not, but did send them a letter asking for verifiable validation of the debt, on XX/XX/2020. The letter also stated that IC System was not to take any action, that would be detrimental to my credit report, but on XX/XX/2020, I received a notification from XXXX Credit reporting Agency, that there had been a change to my credit report. Upon review, there was a collection entry from IC System for the amount of {$440.00}. Subsequent, and in response to my letter that I sent them dated XX/XX/2020, I received a " collection notice '' from IC System, dated XX/XX/2020????. IC System took action that resulted in detriment to my credit history and credit score and because this debt is unverifiable and not validated, IC System violated the Fair Credit Reporting Act : Section 609 ( a ) ( 1 ) ( a ). They are required through the physical verification of the signed consumer contract - for all accounts you post on a credit report. They are in violation of law! In addition, while reviewing my accounts with XXXX and XXXX yesterday, they too received the same collection credit reporting from IC System. I am outraged that this collection agency can break the law, ruin your credit and have little to no repercussions. I am fighting back!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE. PLEASE SEND SEND OR DELETE : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself ; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. ( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt. ( 5 ) Proof of claim in corresponding Case Number # # # - # # - # # # ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. ( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in advertisement or statements of part ( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code. ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received a collection account on my credit report on XX/XX/XXXX. On XX/XX/XXXX I called the collection agency IC System Inc to verify what this was. Initially I spoke with XXXX employee ID # XXXX who stated she could not find me in the system and when I gave her the account number as stated on my credit report she stated there was 10 people with that same account number. I asked for a supervisor which XXXX employee ID # XXXX tried to help verify the debt which is stated to be from XXXX which I have a current 5yr account with and owe them nothing. When I asked XXXX if they could send me the documention to verify this debt was mine with signatures and or proof that this belonged to me she stated " they do not have proper documentation to verify this debt belongs to me ''. Then I got transferred to another supervisor XXXX employee ID XXXX who stated that this is a debt directly from XXXX and they do not have the documentation to verify this debt and would have to request it from XXXX. I told her she can't report this debt and it needed to be removed. Per XXXX employee # XXXX this debt was opened in XX/XX/XXXX and sent to collections in XXXX of XXXX. IC Systems just recently bought this debt because it used to read as XXXX XXXX XXXX on my report which I sent them a letter to validate this debt in XXXX and it was removed because XXXX XXXX XXXX did not validate this debt in XXXX! Now IC Systems is reporting it 3 years later without proper documentation to validate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For the past 1 year after not being notified of this debt, I have been trying to reach out to the creditor XXXX in regards to this debt not being mine. I have requested multiple times method of verification to prove this debt belongs to me ; unfortunately, this info has not been received all my attempts have been ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50315
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was a renter at a property at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I moved out, and received a release on XX/XX/2016. I received my full deposit as well. I had called XXXX XXXX XXXX XXXX, and canceled my account at that address. The landlord/owner claimed he had family coming and stated he would have them continue service, but of course in his name. XXXX XXXX, made an error and did NOT change the name. I was never notified by any party, and only discovered a collection for {$290.00} when I checked my credit. I talked directly with XXXX XXXX XXXX XXXX, and they said I need to work with the owner, which is not correct since I could prove I had called to disconnect, and I also had proof of not living at that address at the time of the charges. I called the landlord/owners representative, a rental agency, and they agreed the owner would pay, as he had possession of the property. They never paid, and will not return calls at this time. I disputed with all three credit bureaus, and they did ZERO investigation, and let the collection. I.C. System, INC never sent any information to me, or request, and have inappropriately reported a collection without ANY investigation!!! Or contact!!! I have attached a letter from the owners representative, confirming, I now longer resided their, nor was I responsible for any utilities at the time this bill was referring.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A