Date Received: 2020-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Someone open account XXXX XXXX my information company report to 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: 02151
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have mailed dispute letter to XXXX it is still reporting on XXXX. havent received a response back after the 30 day period the account doesnt belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX Acct XXXX Bal {$400.00}, ICS # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX XXXX {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I was notified by IC System on XXXX XX/XX/2020 regarding an alleged debt. IC System is the collection agency for XXXX XXXX XXXX. I have reason to believe this debt was incorrectly assigned to me ; my monthly payments to XXXX XXXX XXXX are current with my XXXX XXXX card ( see attached PDF XXXX XXXX payment history ). I have also used XXXX XXXX ( credit card ) in the past to pay for services to XXXX ; this card is currently on file. The debt does not explain what services are delinquent in payment ( s ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94523
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Sent a letter requesting original documentation with original signature for the alleged item. It's been 90 days, have not received any documentation. If the original documentation can not be provided- Please remove alleged item.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
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: Dear XXXX / XXXX : I am responding to your contact about a debt you are trying to collect. Please supply the information below so that I can be fully informed : Between XX/XX/2020 and XX/XX/2020, a new account in collections was added to your report. The collection agency is I C SYSTEM. The original creditor was XXXX XXXX XXXX. This debt was removed over 3 years ago for lack to validation within 30 days by all 3 Credit reporting agencies. Please go back in history and check to see the deletion. Now IC Systems is reattaching the debt again 3 years later. THIS IS ILLEGAL Attaching the debt 3 years later also stretches the date, which is also against the Fair Credit Reporting Reporting Actwhich is also ILLEGAL. Please remove from all Credit reporting agencies and they after frauding the debt and the date When I wrote the company itself, I demanded a copy of they contract or bill, and they could provide neither and nothing, not even original creditor, date of debt. Which is irrelevant since the debt was never validated 3 years ago within 30 days and removed from all 3 Credit Agencies, and NOW is put back on with a new starting date ... all illegal according to the Credit Reporting Reporting Act I am unsure WHY when I disputed the debt, your company validated the debt with NOTHING to prove the debt was good. Especially after it was proven invalidated years ago, and removed. Somebody needs to do their job more carefully. This lowered my credit 49 points. I expect this debt to be removed from my credit report IMMEDIATELY. I will be filing a complaint with the : State of Oklahoma Attorney General, XXXX XXXX XXXX FBI XXXX Fraud Division
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74008
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted IC Systems on XX/XX/XXXX and XXXX to try to get more information about this debt. On XX/XX/XXXX, I was told that this was a XXXX account from XXXX or XXXX, they weren't even sure what year. I told them that I did not have a XXXX account in XXXX or XXXX. They would not provide more information and when I requested proof, one of their representatives hung up on me. This company is extremely unprofessional and attempting to collect a debt that is not owed and that they can not verify. This has been removed from XXXX and XXXX and I am attempting to have it removed from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
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 practices financial fraud on its consumers in general and me in particular. 1. While I had cellular service with XXXX they made several attempts to overcharge the monthly bill until I was able to identify the error. The MOST disturbing incident was the incident that caused me to leave XXXX. I purchased a phone from XXXX online for my son and added him to my account. When the phone never arrived, I tried to remove the charge from my XXXX bill unsuccessfully. I finally called the credit card to reverse the charge and which point XXXX added the {$200.00} bill for the device to my bill and tried to convince me that it was a result of a returned payment. This was only 1 of many times, they've tried to add additional money onto the bill. 2. I finally left XXXX and went into a XXXX store to start service only to learn that XXXX locked a device that was a. neither purchased from XXXX nor b. owned by XXXX in an attempt to prevent me from leaving their company. It took hours to get a supervisor to unlock the device. 3. On XX/XX/2019, XXXX ( my personal banking institution ) contacted me to alert me that {$620.00} withdrawals were being attempted by XXXX on both of my checking accounts. Neither of these drafts were authorized by me. 5. On XX/XX/XXXX, my XXXX credit card alerted me that XXXX was trying to make a withdrawal on my credit card for {$620.00}, again a transaction that was not authorized by me. I soon realized that XXXX was making an unauthorized attempt to charge every card I've every used to pay my XXXX bill over the 2 years I was with them. 6. They sent the account with an incorrect amount to a collections agency whom I have no contract with and is now reporting on my credit report. 7. I immediately posted this on a credit repair group on XXXX only to learn that XXXX practices this regularly and has been getting away with this from thousands of its customers who chose to leave their company. This is a major act of Financial FRAUD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: ONCE AGAIN I.C. SYSTEMS IGNORED CEAES AND DESIST NOTICES AND CEASE COLLECTION AND CALLING MY DAD CELL NO.XXXX 13 TIMES AND SHOWS UP ON MY CREDIT REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2020 I received an updated credit report from XXXX where I noticed an account that was in collections for {$250.00}. The account was from IC System Inc for a medical service provided by XXXX XXXX. I disputed the account with XXXX and they told me that IC System has verified my identity and that I would have to contact them to remove the debt. I contacted them, verified my name and date of birth and address. They did not have my address on file correctly and could not match me to an account. I had to give them the account number that was on the XXXX credit report. They let me know I would have to file a police report and send it via mail. I sent it and waited a week, checked back in and they said they didn't receive it and it was nothing they could do. I waited another week and they said they did not receive it and it was nothing they could do. I talked to a manager who shared with me more details about the account with XXXX XXXX and it was an insurance company I had never had/used and she advised me to contact them. After my plea for help with this issue she ultimately told me that it was nothing she could do and that there was no alternative way to send in the police report to guarantee they got it. I was told to just wait.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A