Date Received: 2020-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was handled with the original debtor XXXX and I.C Systems and XXXX refuse to remove this inaccurate account from my credit report and it is hurting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55422
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account was removed from my credit report 3 times, and each time it was reincerted, it also was REAGED with a different open date.I never received the mandatory 5 day letter in the mail prior to reincerting this on my credit report. This is a clear violation of my right to only have accurate info reporting on my credit report. I do NOT owe this company anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The original debtor is XXXX XXXX it was sold to ic systems in XXXX XXXX MNXXXX.Debt occurred in XX/XX/XXXX. I called XXXX XXXX to suspend my services because I was being forced to move. I made a payment to my bill of XXXX leaving me with the amount of XXXX left due. I was told by the rep that my services would be suspended for a year and to call back in XX/XX/XXXX to see my other options because I was on a contract at the time. The next month XXXX was taken out of my XXXX account so the account was paid in full. A year later I call back and was told that the account was never suspended because of the XXXX balance at the time of the suspension something that I didn't know and account was paid off in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called IC Systems on XX/XX/2020 to dispute a XXXX XXXX XXXX bill as not mine. IC Systems sent a Request to their client but got no responce. I called IC Systems on XX/XX/XXXX to inquire why the collection was still on my credit reports and the account was not closed. They gave me the run around and refused to close the account or remove the collections even though they could not provide any documentation to prove it was my bill
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
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 XXXX XXXX I went in for a XXXX and the XXXX just started doing other work and XXXX on a XXXX to have ready she said. They were taking me so fast because I had a credit card XXXX card I used the whole amount, I didn't like how long it would take her to work on my mouth I was just unhappy about the whole experience, I stopped going. But my bill was paid now the XXXX I didn't get they still have it. I remember someone calling me I don't know if they were from collections or the office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46227
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: The company was removed from credit repoerts and place back on them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XXXX XXXX I received a collection bill from IC systems in relation to a debt I then called and set up payment arrangements due to the balance being owed per my divorce decree by my ex wife I was told to pay it on XXXX XXXX. I told them I get paid the XXXX and I would pay when she paid. I am XXXX XXXX military and told them that. I explained it would get handled they promised as long as I payed it wouldnt affect my credit. I paid on XX/XX/XXXX as promised. Shortly after my current spouse and I went to finance a home and IC systems not only took payment the refused to follow through with deletion of account. My wife called and spoke with a supervisor who stated they listen to the call and told us they had an arrangement with cox cable to not delete when ask for documentation the supervisor refused to provide said policy and asked if we had an attorney. After we insisted on this being rectified we were told to contact an attorney because the supervisor stated that had no black and white written document stating said policy and the conversation was over and hung up. I want this deleted from my report I satisfied the debt in the time that was agreed to and all calls are recorded there, they need to rectify this immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The company has filed information that has damaged my credit ( XX/XX/2013 ) amount {$440.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30286
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't know what's going on here. On the XX/XX/XXXX I filed a complaint against IC systems because they were trying to collect money I didn't owe and was never notified about. IC systems responded to the complaint through your portal saying they sent me a letter explaining what steps took place or their results for my complaint. They did this because in their response they said they couldn't verify who registered this complaint? I've been waiting patiently for this notice to arrive in the mail and it's never arrived. Now I am REALLY ANGRY. The whole basis of this complaint was the fact a collection was placed on my report without my knowledge. No notification was ever received by the creditor whom I left in good standing nor the collection agency. Now I receive what is a RIDICULOUS response to this complaint by the same collector saying they can't respond to me through this portal because they can't verify who I am but will instead send me a notice that I have been eagerly awaiting to no avail. Is this what a complaint to the C.F.P.B. looks like? Consumers file complaints that never get answered or resolved? Collectors can just write responses akin to a " bait and switch '' tactic? I am filing this complaint because IC Systems should not be allowed to just leave this complaint unanswered. The case number to my previous complaint is XXXX-XXXX. IC Systems should know better than this. They have my address which was provided to them numerous times in my conversation with them on XXXX. They have now had ample opportunity to send me what they said they would. Because I have not received anything from them EVEN after I have called to complain to them and filed a complaint to your bureau, I consider this proof they are not providing me with any notices and are now willfully disobeying the law and your bureau. I am being serious here. Do I really have to spend time and money to sue them over a collection this small which was never handled properly? If the answer is yes, then I will gladly do so. I will not allow them to jeopardize me obtaining credit on favorable terms or with higher rates for several years. I am filing this complaint so you know what IC systems is doing and so you can possibly look into their practices. If they are blatantly doing this to me, how many others are they doing this to?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: IC Systems # XXXX, # XXXX, and # XXXX are reporting accounts with balances to my credit report that should no longer be on there. I have settled all these accounts and they should not still be reporting collections with a balance. This is in violation and I want these removed off my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84084
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A