Date Received: 2020-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I C System Inc. tried disputing account not mine third party collection trying to contact multiple times. No validation or response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've reached out to " I.C. SYSTEMS '' and they aren't responding. Guess what? Neither is the original creditor, XXXX XXXX XXXX. Last I spoke to the representative, they stated they didn't have to answer to me because the debt was no longer there's - and to reach out to IC SYSTEMS INC. This is another fraudulent account. I did not open this account and have told the police that I'm certain a family member or someone who knows me opened this account. Unfortunately I can't prove who - but all I was sent was invoices. This isn't my account. I've informed creditors, collection agencies, and the bureaus. This account is the only one that remains! I am prepared to sue this collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Approximately a year ago I contacted XX/XX/XXXXXX/XX/XXXXto set up services. The worker could not deliver services, then I was transferred to multiple different departments and workers. The last worker I spoke with told me that they had to refuse services because I owed money to them from the last time I had services with them. The last time I had services with XX/XX/XXXX XX/XX/XXXX was approximately 3/4 years prior to this phone call that took place one year ago. I asked how much I owed and why I didnt receive any notices saying that I owed, and the worker responded that he couldnt tell me how much or any information because my account expired since it was so long ago and that he couldnt do anything to inform me because the company already submitted everything to collections. The worker transferred me to the collections agency ( this is not the same collections agency that is on my credit currently ). The guy I spoke with was a man who could barely speak XXXX, and said his name was XXXX. XXXX was extremely aggressive and pushy. I did not trust this source from the second he opened his mouth because of the way he spoke to me. He told me I had to pay within 20 minutes or the price would go up and he would make my credit score go down more and more every month. After asking him to help me further understand the situation he said all I can tell you is that you have 20 minutes to pay and the deal is if you pay with your checking account instead of a credit card, Ill take {$100.00} off the amount owed to collections. When he said that, I immediately got off the phone with this guy bc of how aggressive and fraudulent he sounded. I contacted my financial advisor and he advised me to let it go bc my credit score is good and I havent XXXX a single payment on anything. Up to the date of this event, I had not received a phone call, an email, or anything at all from XXXX XXXX saying I owed money. When I was in College and moved out from my rental with a roommate years ago, I specifically remember turning in all equipment and paying everything owed with my roommate and checking my account seeing a {$0.00} balance after all was said and done. I have not heard from XXXX XXXX or collections or any company at all. This whole incident competent blindsided me for 1. If someone owed me money, Id be emailing, calling, and doing everything possible to get the money. Yet, I was never notified or contacted AT ALL after informing XXXX XXXX of my move. 2. Why in the world would I have tried to get services with this company again if I had known what they did??? In conclusion, all of this was shocking and confusing to me. Remember, all of this happened about a year ago when I was made aware of this situation when I tried to call and get services. Here we are about a year later, and I just received an email yesterday from XXXX on XX/XX/2020 that i was turned into collections AGAIN. I check my credit report and file a dispute with XXXX, this is a whole new collections agency that I havent heard of and my credit score dropped 24 points because of this. Before my credit score was in the 750s Let me say again, still to this day I have NEVER missed a payment in anything in my entire XXXX years of life and I am so positive this is a complete fraud. A WHOLE YEAR AFTER MY PHONE CONVERSATION WITH THIS AGGRESSIVE XXXX, Im getting an entirely new collections submission. It makes no sense at all. They can not back up anything they claim with information or statements, I was never contacted by them at all, and I want this fraudulent hold on my credit lifted because I do not owe anything. I have done research and I have found that I am not the first person XXXX XXXX has done this to. I hope this situation can be solved and appreciate any help that I can receive to fully understand this matter and get to the bottom of it. Thank you for your time. - XXXX XXXX
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: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Noticed a collection debt from IC SYSTEM COLLECTIONS, I reached to see where this collection come from. I was told from XXXX ( XXXX XXXX XXXX ), and the one is managing the bills is ( XXXX ). I reached to them to request information and they said it was their fault because they sent the bill to the wrong address, I paid the bill ( I didn't see!! ) and they said they will fix the issue. In the meantime, I disputed the collection from XXXX and XXXX. The XXXX credit bureau removed it in 2 days. However, XXXX they didn't, and since I'm submitting dispute after dispute to take it off my credit report but I was unsuccessful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Per FTC sec 609 credit agencies are not validating my credit account they are simply verifying my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: the collection company named : I C SYSTEM COLLECTIONS has falsely reported collection on my name and they don't if they really have my social security number? I contacted the Original creditor reported on their claim and they are not aware of any collection on my name meanwhile I am a month to month membership and I have ALL the receipts of my up to date payments I contacted the agency IC SYSTEM COLLECTION and they still did not remove the information from my credit report This is really false and it hurt my credit rating too much without any fault from my side Please I need this information to be removed from ALL my credit reports and I need to know if this company has my social security number and how they get it Thank you XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I.C is saying I have a open debt currently on my account. This account is 4-5 years old but is being reported as new as of today, again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: IC Systems Inc is reporting a fraudulent collection on my credit reports that is a result of identity theft. I have notified the company several times but yet they are still reporting the false information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 427XX
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX at XXXX hrs I received a call from a IC System. The customer service representative was XXXX and when she first called she attempted to verify my information. I refused to inform her and repeated asked her what business was her company and she stated that IC System was a consume relations company. I continued to ask what type of company and she continued to ask me to verify my information. When I confirmed my name and address she then notified me she was a collection agency. She stated that I owed a XXXX bill dating back from XXXX. I tried to explain to her that XXXX never sent me a finalized and itemized statement and requested a dispute. She stated she could give me a verbal bill at which time I declined and requested that she dispute this amount because the balance was incorrect. She stated that I would need to resolve this XXXX. I then spoke with XXXX XXXX, manager abut my complaints. She state that the account was in collections but she would complete submit my dispute. She then provided me my account number. She then addressed my complaint about the misleading information at the beginning of the phone call. She stated that by law they can not reveal they are a collection company when they initial call people. She then state this is done to protect people information. I informed her that this was misleading and she stated that it was the law and all collection agencies do this. When I informed her that I asked XXXX several times what is this company and she refused to tell until I verifeid my info, I felt that this was misleading. I informed her that I have tried to resolve this issue with XXXX and other collection agencies have told me upon calling who they were. She told me that I could move forward with my dispute. The call ended. I contacted XXXX and spoke with XXXX in finance and I requested and itemized bill be sent with the update or correct balance. I explained to XXXX that this account has been disputed since XXXX and for the same reason. I explained that XXXX has never sent me an itemized statement per my request since XXXX when the account was closed. XXXX stated attempted to verify my address, but the address XXXX had was different than my main address and the address the collection agency had. XXXX was provided the correct address.. I then spoke with a XXXX supervisor who stated that they would notify collection but instead of resolving the problem they transferred me back to collections. I then spoke with IC Systems again who stated that they can not provide itemized statements and they just can only provide what XXXX gives them. IC Systems transferred me back to XXXX and the customer service representative stated that the account was sent to collections in XXXX and the adjustments were made in XXXX. I was then informed that no itemized bill was visible for review and that bills can only go back two years from the last date of service. XXXX is trying to see if they can obtain an itemized bill for my review since I never received bill after service was cancelled and the adjustment were made in XXXX. XXXX is not even sure if they have a bill for me to view and validate the debt amount is correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: IC System - XXXX- is reporting on credit and attempting to collect a debt that I do not owe. For one they just put it on my credit report without notifying me. But it is for a XXXX bill which is not valid. XXXX was paid already and this debt is erroneous and fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A