Date Received: 2023-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am giving authorization to this company to respond to this cfpb complaint before I proceed with litigation. As a federally protected consumer, this company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt. They also have reported this information to consumer reporting agencies when I have never engaged in an agreement with this company, nor have I given them written, nonwritten, verbal, nonverbal consent to communicate with me both directly and indirectly pursuant to 12 CFR 1006.6 ( b ) ( 4 ) ( i ) and multiple federal laws pursuant to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES. Furthermore, they claim that they are attempting to collect a debt from a purchased contract which violates Uniform Commercial Code 3-203 which states that once a contract has been transferred, you cancel all rights to collect. I have a right to privacy pursuant to the privacy act of 1974, to be more specific 5 U.S.C 552a, and this company did not get my permission to use my social security number which has caused me monetary damages. I could not purchase a home, a new vehicle or further extend my credit as a result of this pursuit. The following are federal laws that have been violated in pursuit of this alleged obligation with a brief explanation on how it was violated. 12 CFR 1006.10 and 15 U.S. Code 1692b - Acquisition of location information. Stating that I owe a debt on consumer report ( s ) and using language that states that the communication relates to the collection of a debt 12 CFR 1006.6 and 15 U.S. Code 1692c - Communications in connection with debt collection. I have already stated the reason above 12 CFR 1006.14 and 15 U.S. Code 1692d - Harassing, oppressive, or abusive conduct. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In connection with the collection of any debt, a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person. 12 CFR 1006.18 and 15 U.S. Code 1692e - False, deceptive, or misleading representations or means. The false representation of the amount of the alleged debt. The threat to take any action that can not legally be taken or that is not intended to be taken. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The false representation or implication that accounts have been turned over to innocent purchasers for value. 12 CFR 1006.22 and 15 U.S. Code 1692f - Unfair or unconscionable means. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt and I never created an agreement with this company. 12 CFR 1006.34 and 15 U.S. Code 1692g - Notice for validation of debts. Company did not validate the debt and send the entire purchase agreement to me, the consumer. 15 U.S. Code 1692h - Multiple debts. Once the debt is disputed, any and all payments shall apply in accordance with the consumers directions and my directions were to send me back my compensation by mail. 12 CFR 1006.26 and 15 U.S. Code 1692i - Legal actions by debt collectors This subchapter prohibits any authorizations from a debt collector to bring forth legal actions. 12 CFR 1006.38 - Disputes and requests for original-creditor information. UCC 3-203 - TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. I have already stated the reason above. 12 CFR 1022.42 and 12 CFR 1022.43 and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 5 U.S. Code 552a - Records maintained on individuals. I have the right to keep my financial life private and I have not given this company any authorization to use my social security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, I contacted I C SYSTEM, XX/XX/XXXX in regards to a collection account that is on my credit file showing I owe {$180.00} for a XXXX Account from XXXX. I being charged for equipment that I returned
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77590
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: XXXX XXXX added a debt to my credit report of {$440.00}. This debt was then given to a collection agency in which I am not in contract with nor was I informed that the debt would be sold off to a collection agency. I would wish to have this removed from my report as I had been unaware of this going to collections
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13208
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Credit monitoring or identity theft protection services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I have contacted XXXX XXXX due to a collection account on my credit reports. I did not have a XXXX account, i informed ic system that this is a fraud matter and they refuse to remove it from my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX, obtained this debt because my dog became very ill. I managed to use my mothers XXXX XXXX and sign up for this a plan to be able to only pay as less as I could during that time, due to being laid off from work. I did visit ban field again and was behind on payments within the first 2 months, and I couldn't have my other dog seen because of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is now the third time that XXXX has sent me to collections. I am getting really tired of the hours I have had to spend on the phone and they never resolve the issue. I have filed identity theft reports with my local police office, spent hours on the phone with them, and now have to do it again. This company is a ridiculous. I have been working hard to turn my credit around and XXXX just continues to allow phones and services to be billed to me when I will never use their service. XXXX is absolutely ridiculous. I have never used them and never will. You would think the {$1000.00} 's that has been wasted when they continue to let people falsely create accounts would make them wake up but it turns out that is not the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/23 4 phone calls and they would only say this was for XXXX XXXX XXXX and no other info. It was for a location in Colorado and we are in Arizona
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In the process of rebuilding my credit and Ive noticed a collection on my consumer report from I.C. System Inc the original creditor is XXXX date opened was XXXX XXXX, XXXX and the amount is {$97.00}. The reporting of such inaccurate information has caused server damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damage my livelihood of being credit worthiness. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44108
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Letter to Credit Bureau XXXX XXXX XXXX Credit Report File Date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX NAME OF CREDIT REPORTING AGENCY XXXX XXXX XXXX XXXX : Complaint XXXX RE : Credit Report Dispute ( XXXX ) Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. Please investigate this matter and ( DELETE OR CORRECT ) the disputed items as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A