Date Received: 2020-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an alert on my credit report of a collection from IC System for {$440.00} on XX/XX/XXXX. I called them and they didn't have any of my information correct. The rep advised it was from a XXXX account from XXXX from Florida. I did not live in Florida at the time she gave me the dates. They do not have the correct address or any information that is correct. This same account was with XXXX that I opened a complaint about XX/XX/XXXX case number XXXX with CFPB. XXXX must have sold this debt to IC systems. I do not own that account. This is something that I am extremely unfamiliar with and there has been absolutely no communication about this account to me as they have the wrong person. They are saying it's from XXXX, which was XXXX/XXXX and I have had service with them in XXXX and don't owe them anything. This needs to be removed from my credit report or they need to provide proof of me signing up for services with a contract or something in writing because I do not owe them anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I.C. SYSTEM, INC has reported a collections account to my credit reports in the amount of {$260.00}. They are in direct violation of the Fair Debt Collection Practices Act. I have never once received a notice from this company at my address, and I have no idea what this debt is for. Nor a phone call or voicemail from them. They made no real attempt to communicate the debt to me. If they did send a notice they either sent it somewhere incorrectly or sent it with no direct company information on the envelope. Opening random envelopes is not safe for a multitude of reasons, and they did not clearly notate themselves on any potential notices. Aside from that, I have informed delivery from XXXX and can clearly see nothing from IC Systems was ever sent. IC Systems has violated articles 807, 808, 809 and 812 to name a few.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is for debt validation from a debt collection company I.C. System us attempting to collect an alleged debt that is no longer collectible and has been illegally passed along form XXXX XXXX which could not validate the debt according to law. The company is attempting to report the alleged debt to the credit agencies and is in violation of both the Fair Debt Collection Practice Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I have also attached a letter for validation of this alleged debt with further explanation of the illegal attempt to collect this alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49504
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: IC System has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 1. 1692b ( 2 ) 2. 1692b ( 5 ) 3. 1692d ( 2 ) 4.1692c ( 1 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a credit card dispute against XXXX, for {$560.00}. On XX/XX/XXXX, XXXX credited my account for {$560.00}, and never sent me a document stating the final outcome of the dispute. I spent over 30 hours from the time of the start of this disaster to the time I am taking to write this letter, and nothing is over. I received multiple letters from IC Systems, a collection agency, telling me to pay XXXX. Throughout this ordeal, I have contacted XXXX on the phone, and was verbally told that I had indeed won the dispute, prior to XX/XX/XXXX, when I had sent 3 letters, to XXXX, IC Systems and XXXX, which I am attaching to this case. Everyone ignored my letters, and instead, I received yet another letter from IC Systems telling me to pay XXXX. I called XXXX again on XX/XX/XXXX, finally reached a manager and was explicitly told that I won the dispute, and that XXXX never responded to the dispute, rendering them to lose the dispute, and that I was going to get a letter stating that I won the dispute. Instead, I get a letter dated XX/XX/XXXX stating that the dispute is just starting from the beginning, and XXXX has 90 days to fight back, and I have to keep my evidence to possibly fight back against XXXX. I was explicitly told that XXXX never responded to my dispute and that they lost by default, all on the phone. So hear this - hypothetically, if I recorded XXXXXXXX on the phone, then I could go to jail for illegal recording - so I recorded nothing. But now, I have no evidence of that phone call, and it is as if all this disaster which I went through was for nothing. XXXX already admitted their own incompetence in the XX/XX/XXXX letter. They admitted to crediting my account for {$560.00} on XX/XX/XXXX, meaning the dispute started on XX/XX/XXXX. This means that XXXX had 90 days ( as evidenced by the end of the letter ) to fight back, but they didn't, they sat back and ignored it ; this means XXXX lost by default. Now XXXX is saying they are giving XXXX another 90 days to respond! I legally had to keep my evidence of the dispute during the dispute 's lifespan, which ended way before the XX/XX/XXXX letter. However, XXXX is telling me that I should keep my evidence until the dispute is over! This is fraud beyond fraud, and were it not for the COVID-19 situation, I would take all 3 companies to court and sue them for my lost wages during the time I am dealing with them, possible unwarranted damages to my stellar credit history, and other damages. I am attaching all the evidence, and I am ready to testify in court if I have to, because I am disgusted of me as the customer being destroyed by these corporations who think they are above the law. I work during the day. I do not answer the phone. I am working. I only communicate by email. Although I legally don't have to, because I already won my credit card dispute, and the statute of limitations already expired for it, I am attaching pictures showing the job which XXXX did. Unfortunately, I am a nice guy, and I didn't plaster these pictures over the web when everything first happened, but perhaps I will spend another hour of my time, making it a total of 31 lost hours, and make this story known all over the place, which they deserve. And also, to the XXXX rep who gave me an unsolicited phone call a few weeks ago, what he did was illegal, and would have been dealt with already, if were not in a quarantine due to COVID-19 right now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: IC Systems has been reporting an account for XXXX XXXX. I had paid my XXXX bill the XXXX took over never signed a contract with XXXX XXXX. Could not pay my bill only in person once it was late and I was in South Carolina and Storage Unit was in XXXX. Could never get a hold of anyone to pay. Ended up selling unit in XXXX and are trying to charge me storage rent when I never signed a contract with them and I do not owe what they say I do. IC Systems can never get anyone to answer the phone the website always says its being updated. So cant get a hold of anyone to correct the error
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: - Collection agency I.C System, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX, Phone XXXX sent a letter regarding a debt I did not owe. - I immediately sent I.C System, Inc a US Postal Certified letter stating I did not owe the debt and to only contact me by Certified mail, their claim is being disputed and to NOT report me to any agency until this is resolved. - I received 1 letter from I.C. System to which I immediately responded and received no other correspondence. ILLIGAL Practices : - I.C. System reported me to the credit bureaus for 3 consecutive months. The original letter to which I responded ( I have copies of the Certified Receipt ). Plus 2 consecutive months past the original letter. - I.C. Systems misrepresented the information to the bureaus on dates of last payment. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Repeatedly a debt collector started calling since XX/XX/2019, regarding a debt with XXXX for {$470.00} by a company called I C Systems. A company Ive never heard of have been harassing me to pay a debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I C System XXXX XXXX XXXX XXXX XXXX, MN XXXX Tell XXXX XXXX XXXX I have seen this report agency has report showing {$2400.00} which is I didnt aware off and never been use. When I call in is show the address service that Ive never been stay there. I request them to removed ASAP cuz Ive never been use or order their service to that address they told me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I c systems opened up a bunch of medical ones on my Credit and never sent me anything and continues to call and harass me after I did a call with the insurance and them. The dates follow and amounts. XXXX XXXX {$300.00} XX/XX/XXXX, XXXX {$340.00} XXXX XXXX {$240.00} XXXX {$200.00} XXXX XXXX {$140.00} XXXX XXXX - {$50.00} Another collection agency called and it's called XXXX XXXX of {$210.00} on XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A