Date Received: 2020-03-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX Acct # XXXX* For {$770.00} I filed a dispute with credit bureaus with issue not being resolved. This not accurate information and this account does not belong to me. Please remove from my credit report immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I found a debt collector under the name of I.C. System, Inc. on my experian credit report, attempting to collect a debt for " XXXX XXXX XXXX ''. I have no knowledge of this debt. They have not sent me anything in the mail to make me aware of the debt, nor have they tried to call. I disputed this through XXXX, but they reported that they have confirmed the debt. How do you confirm a debt and I have not heard from anyone about this at all and have no knowledge of any of this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32563
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Medical Company is trying to collect a debt that is not mine and it is still on my XXXX credit report showing as closed but it is NOT MINE. I.C.System INC Acct # XXXX XXXX XXXX XXXX {$600.00} Can you please have the credit bureau removed?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
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: THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
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: THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32327
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX has sent a falsified debt to I.C System, in which I do not have a balance with the company. XXXX has and continues to utilize predatory pricing among minority populations. XX/XX/XXXX has continued these illegal practices in their billing schemes, and the credit reflected on my credit report is not factual. I am seeking a written apology from the corporation and removal of this un-owed debt from all three credit bureaus, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: XX/XX/XXXX I received a letter from IC Systems XXXX XXXX XXXX XXXX, MN XXXX regarding a XXXX bill that I had already informed XXXX that I could not pay and was XXXX XXXX when the contract was signed. I have had XXXX for 18 years and have no assets or ability to pay and to cease and desist meaning do not contact me. I advised IC Systems by phone and letter to flag my account. XXXX was again copied on that letter. Then XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX, Fl. XXXX so notified them regarding my situation and copied XXXX again. Then today XX/XX/XXXX I receive another letter from a third collection agency called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX , MN XXXX demanding payment. All four companies have been notified to Cease and Desist yet they continue to contact and harass me for this bill. What company has a XXXX XXXX XXXX with no assets buy five phones except for sales commission and greed and send collection accounts to three agencies within nine months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I.C. systems claims i owe them for a cable bill i never had, i asked them to send me documents showing that i owe this so called bill with my signatue on paper work or a voice recording proving i signed up for this service, and they have refused to provide any proof of this bill being mind. As i have told them numerous times on the phone i'm a current XXXX customer with active service so its not possible to owe them when i'm a current subscriber.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: IC System Inc is reporting a debt on my XXXX credit report that I have no knowledge of. Furthermore, this company hasn't even sent me a written notification of the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A