Date Received: 2020-04-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Someone from the Company duplicated my mobile account upon the time of first opening and I spent months and months trying to explain this to the phone company but what happened was they did nothing and I received the final bill and the letter of debt collection on the same day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Updated I.C. SYSTEM, INC Account XXXX I've disputed this debt and yet it keeps coming back it's mine. The debt itself is for medical services. I have now and had at time of the noted debt insurance which I already sent documentation of. My insurance is provided by XXXX and I have no share of cost. I didn't visit any emergency treatment on the date in question, and if I had I would have used my insurance benefits. I have 3 of these on my account so.c system XXXX XXXX ( which I never heard of nor is there one in my city of residence ) and the last one isn't mine. I want these off my credit report. If you need copies of my insurance for the dates these were all established on please let me know so I can submit more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was already paid before another collection agency received this debt from XXXX. Basically this account was sent to collections ( XXXX XXXX XXXX ) in error. This account was paid. We did get this removed through the dispute process, then XXXX XXXX XXXX obviously and illegally sold it to XXXX. XXXX, in which is not on my credit report ; which it should not be. The attachment i am going to upload is a screenshot of the original collection that was removed, due to it being paid before it was sent to collections. I am sure you will see the similarities. Please help me remove this because i am sick and tired of this paid account that should have never went to collections in the first place. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt not owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I filed a complaint with your institution against XXXX XXXX XXXX because they placed an account on my credit that did not belong to me and they never contacted me before placing the account on my credit. Once I contacted you and wrote them another notice to advise them they were in violation of the FCRA the account was removed account number XXXX XXXX XXXX XXXX XXXX XXXX I am due to go into labor any day now and another collection company called IC Systems has placed the same account on my credit for XXXX XXXX XXXX account number XXXX they also have not contacted me or verified the debt- they just placed it on my credit. Keep in mind it was just 45 days ago that the account from XXXX XXXX XXXX in this regard. I have also filed a complaint with the bbb and the ftc
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
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: I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX {$4200.00} There are no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: IC System Inc in Minnesota filed a City of XXXX collection charge off account with the credit bureaus, in the amount of {$360.00}, dated XX/XX/XXXX. I have not had an account with a company named " City of XXXX '' as listed in the credit bureau files. I have attempted numerous times to have this account deleted, but IC System Inc continues to dispute with the credit bureaus, stating the information is correct. IC System Inc had a similar collection account in my name for the City of XXXX, dated XXXX in the amount of {$340.00}. This account was deleted XX/XX/XXXX on one credit bureau file, I believe, if not all credit bureau files. I live in XXXX, Oklahoma. The collection agency is in Minnesota. At one time, I believed this account was a XXXX XXXX XXXX XXXX XXXX XXXX collection account, the credit report only stated Utility or something XXXX, Oklahoma, where I have resided, basically, for fifty eight years, uses a customers Deposit on file with the City of XXXX towards any unpaid water, sewer, trash bill, which leaves a XXXX balance owed XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, with no water trash, or sewer service restoration until a new deposit is paid. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX charges, usually, a XXXX XXXX dollar deposit for water, sewer, trash service. A new deposit is required to restore service after a city watercan is removed for unpaid water services. Water, sewer, trash service in XXXX, Oklahoma averages XXXX dollars per month, per household. The amount IC System Inc is reporting to the credit bureaus equal over six months of unpaid water, sewer and trash service. I find the amount IC System Inc is reporting to the credit bureaus, as exorbidant. I find it very difficult to pay an out of state collection agency, in XXXX XXXX, Minnesota collection agency, for an Oklahoma water, sewer, trash account. This may be a scam collection agency. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Oklahoma, does not usually, Sell a delinquent water, sewer, trash collection account to an out of state collection agency named IC System Inc, in Minnesota, such as this collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am writing this due to non-compliance with the IC SYSTEM. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have multiple listings of a debts from IC Systems collecting for XXXX pet insurance. I was never notified of the accounts, and they appear on my credit report with no notice causing great harm to my credit report. One is even a duplicate! Moreover, I do not use XXXX. These items should be removed immediately! The amounts are : {$180.00}, {$180.00}, and {$520.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A