Date Received: 2023-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i am not liable for this debt with I.C. SYSTEM, INC, an do not have a contract with I.C. SYSTEM, INC, An they did not provide me with the original wet ink application like I asked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: they ruined my credit showing many months of collection on a debt. third party collector Account Info Account Name I C SYSTEM INC Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$360.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$360.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$360.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide Collection as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was settled and paid. then they sold it to a new collections company, XXXX XXXX XXXX. This debt is not owed. I C SYSTEM can not collect the money from me, then sell it again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 058XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debit card on autopay to XXXX XXXX was canceled, service went unpaid for several months before termination by XXXX At this point the debt was sent to collections agency IC SYSTEMS ( REF XXXX ) unnoticed. Upon checking credit score for home mortgage application, the impact was noticed. XXXX was contacted and the debt was paid, at this point I was informed the collection agency was notified to withdraw. The agency was contacted and stated the debt remained unpaid and would remain in collection status. I was told I had the option of paying them the debt regardless with the alternative of waiting in collection status for two months to possibly be processed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Unauthorized withdrawals or charges
Subissue:
Consumer Complaint: This account has taken fees out on me its an old account and I never received the actual equipment for this account and still charged. I moved recently after and tried to stop charges and service and never stopped
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company is stating that I opened up XXXX accounts. It says I owe them $ XXXX XXXX different accounts. I explained to them that someone stole my social security number. I proceeded to ask if I can speak with someone that can help me because I didn't open these accounts. They said that there was nothing that they could do for me and that i would have to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : I C System, Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX XXXX : XXXX COLLECTIONS XXXX. XXXX XXXX {$1400.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE 5. IC SYSTEM COLLETION {$870.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$210.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There was an inquiry that came up on my XXXX credit report describing an XXXX XXXX XXXX XXXX account that XXXX different collection agencies have tried to collect on. I have disputed this claim on XXXX and XXXX and am currently working on filing a dispute with XXXX XXXX. The claim was successfully disputed on XXXX, but not on XXXX or XXXX XXXX. I have called both collection agencies ( XXXX and I.C. System Inc ) several times and sent in a fraud packet that was apparently never received. The account that is in question was opened for an XXXX XXXX XXXX XXXX account. I have never opened an XXXX XXXX XXXX account and am still in fact on my parent 's mobile plan through a family plan account. The collectors ' agencies continue to say that this is my account because it was opened with my name and social security number, but the account has a different email address which is also not mine. This person has an email address : XXXX, or something to that effect, and a XXXX XXXX XXXX in XXXX XXXX Ohio. They have continued to use this email and address to open fraudulent accounts under my name and social in the past and continue to do so now. I recently opened a high yield savings account through XXXX XXXX and this person change the username and password to the account within a week of my opening it. I then had to get XXXX XXXX XXXX to cancel the account and reopen a new account with my correct information and delete the XXXX email that was connected to this account without my authorization. I could see through my XXXX XXXX account settings that this person added their email address to my account and had their phone attached to my account as well, which was some type of XXXX phone. This email address has also shown up in my personal XXXX XXXX XXXX bank account along with the XXXX XXXX address. I have since hardened my online account by subscribing to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Somehow this person is still able to access my accounts and open accounts using my name and social security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80301
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested to see how this debt was validated on XX/XX/21 through XXXX for 2 line items under collections- I received no correspondence and the file was once again noted as being verified- I C SYSTEM INC in the amount of {$270.00} and {$1100.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28804
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A