Date Received: 2020-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I didn't really want to file this complaint but at this point I have no other choice. On XX/XX/XXXX I called IC systems because I tried applying for a vehicle loan and my bank informed me that I had a XXXX collection on my credit report and my loan would not be optimal. IC Systems was the name of the collector. Because I check my XXXX XXXX religiously, I was confused and shocked since my credit score is in the mid 700 's and my XXXX and XXXX XXXX report have no collections reporting on there. I went back to the bank and asked which credit bureau they use. They informed me they use XXXX. I opened an account with XXXX and saw there was in fact an IC Systems collections for {$84.00}. I decided to call IC systems because I had no idea why there was a collection on my report due to the fact that I was never notified a collection was being placed on my report. At first I spoke with a collector, and informed the collector what was going on. I advised them that I didn't know what this collection was for and I was curious why they claimed I owed {$84.00}. They told me it was for a XXXX account. I acknowledged that I had an account with XXXX but I did not acknowledge that I owed them any money. In fact, I stopped doing business with XXXX years ago and fulfilled my contractual obligations. I asked the collector why I was never contacted about this account by XXXX or IC Systems. The collector told me the account had been in her office since XX/XX/2019 and they sent me various letters. I advised her that I never once received a call or a letter from XXXX or her company. I was again confused and shocked because what she was telling me and what actually occurred were two different things. In order to avoid a lengthy call and spend time unnecessarily, I simply asked the collector if I could pay the account in full and have it removed from my report for various reasons. The first reason was I fulfilled my obligations with XXXX. The second reason was XXXX never notified me a pending balance was owed. The third reason was IC Systems never sent me a notice saying there was a collections to XXXX. The fourth reason was I never received a call from IC Systems. The fifth reason is that short of this collection, my credit was otherwise perfect because I pay all my bills. I do not run or hide from my debts so I am being truthful when I say I have never received any notice about this debt. She then informed me that she sent notices in XXXX and XX/XX/2019. I finally pointed out to her that unfortunately, my house burned down months ago and I am currently living with my mother while the insurance, the fire department, and the city decide what it will take to repair my house back to code. Even if they did send notices to that address, there is a good chance I didn't receive it. After a long argument with her I finally get transferred to a supervisor. The supervisor I spoke with was XXXX. I basically repeated the same thing to him that I did to the previous collector. I offered to simply pay this account to have it removed from my report but he refused. He said that they called my number several times and I hung up on them. He said that many notices were sent to the address on file. I informed him that never received any notices and my credit was otherwise perfect therefore proving that I am not someone who skips their bills or hides from debt. He then said something in a manner which insinuated I was a deadbeat and really offended me. He asked " do you open up all your mail? '' He then said something else which again really offended me and insinuated I was a deadbeat. He said, " At this stage of collections we are the 4th agency to handle this account. '' Basically he stated that this was already with three other collectors and therefore implied that my accounting of what happened was not believable and that I was therefore a liar. When I finally called him out on what I believed to be just a fabrication on his part he did seem to " backpedal '' on his statement. He said he couldn't guarantee that three other collectors touched this account but that generally the account when it reaches his office is at the stage that they are the 4th to collect on it. I advised him of how my house burned down and I am technically homeless and at the mercy of my peers and he said " I am sorry to hear that but we did our due diligence. '' Because I hung up on them there was nothing he could do. At this point I was extremely upset. I felt like I was being treated unfairly. I don't recall ever being called by an IC Systems. In fact, the supervisor acknowledged that they never even informed me about this debt because I would hang up before they even got the chance to. I did tell XXXX that I get multiple spam calls, robo calls, and scam calls on a daily basis. I don't remember anyone telling me they were calling for XXXX but if I hung up on them it's because I am uncertain of who is trying to con me anymore. Regardless, I was still never notified of this debt. I was also the one who called them and I was even willing to forgo fighting this account that I do not owe simply to avoid this lengthy dispute procedure. Instead, I am insulted, patronized, and implied to be a liar and a deadbeat. Please help me with this. I can't believe that something like this is actually causing me to not be able to obtain a fair loan. My house already burned down and I am homeless and now I can't even obtain a car if I don't pay a premium simply because of a debt that XXXX never told me about because a collection agency thinks I'm a deadbeat? Please help me in getting IC Systems to remove this account from my report. As I told them, I am even willing to pay this bill even though I don't owe it.
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: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They continue to harass me about debt thats four years old and debt that was fraudulent committed without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I.C.Systems Inc has a debt for XXXX dollars that XXXX XXXX has for XXXX dollars that XXXX has for XXXX dollars all 3 company 's are trying to collect this debt none respond to validate debt yet the dispute I have filed was not completed all remain on credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91724
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: As of XX/XX/2019, I received a collection notification on my credit report from a company I have never had ties with and do not recognize for the amount of {$62.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted IC Systems Several times regarding a negative item on my credit. I have asked for proper validation if debt. Im aware they purchased the debt from XXXX. However, this is a false debt from XX/XX/XXXX-XX/XX/XXXX. I returned all equipment to XXXX and owe nothing. I have since been a member of XXXX which was done through a credit check. I owe nothing to XXXX and {$3000.00} would be extremely excessive even if i owed a bill for phones. Since they have not supplied me with proper verification of debt in a timely matter they need to remove negative information until they supply me with validation. How long has IC systems had this debt? When did they purchase the debt? I have received nothing from ic systems. Remove debt!! This is not my debt. If they have my signature on this debt I request proof. I have been a victim of Identity theft and my information was obtained through several different entities including the government hack in which my information was leaked and I was contacted by the office of personal management and given Free identity protection for years. I was also a victim from XXXX Glitch and XXXX breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78414
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2019 I sent a debt validation letter to I.C. System requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$1200.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. System has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C section 1681b.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On Wednesday XX/XX/XXXX I received a notice from my XXXX XXXX account of a negative account from IC System inc. added. My credit reports and scores took a big impact from this account. I called IC System the next day and gave them my current address as I was asked for it to show proof of who I was. I was then notified the account was from XXXX. I contacted XXXX and was notified the account was opened on XX/XX/XXXX and closed on XX/XX/XXXX due to lack of payment. The address this account was attached to was an address I did not live at during the accounts life, I did live their prior but not during the account being open. I submitted paperwork and a police report to XXXX and was contacted by XXXX to complete a stolen identity packet. Today XX/XX/XXXX I received a collection notice from IC System inc. that was dated for XX/XX/XXXX, two days after I made contact with THEM. The notice said I have 30 days to file a dispute with them, only issue is, they already hit my account with this fraudulent account and are just now telling me I have the option to dispute the account. They are affecting my financial future and asking questions later. As far as I know, I am supposed to be given 90-180 days of my first notice before they attach this to my credit report. Why did it take them 13 months after the fraudulent account closed to make contact with me? I feel as though this company is responsible for this scam. I never received contact from them until I gave them my current address and this account didnt hit my report until 13 months after the account was closed. 90-180 days is 3-6 months, not 13 months. Something doesnt add up and IC System inc. is no help. I am not the only one who has had these issues with this company. They should be closed due to scamming many others.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/2019 I received an alert from my credit reporting service that a collection company, IC System, was attempting to collect a debt in the amount of {$410.00} from me on behalf of a company XXXX XXXX XXXX. I sent a letter to them in XX/XX/2019 requesting verification of this debt, any instruments that stated they could legally obtain this debt, and to inform them that they were violating the Fair Debt Collections Practices Act ( FDCPA ), HIPPA, and FCRA. I never received a response and this erroneous debt that was placed on my credit report continues to be there affecting my status and credit scores.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern : I, XXXX XXXX cancelled my services with XXXX XXXX phone number XXXX in XXXX of 2019. That account is closed with a XXXX balance currently. I was contacted by IC systems a third party collector for XXXX XXXX in reference to an account opened in XXXX with a phone number ending XXXX. I am not aware of this account as I did not sign, authorize, or grant permission to anyone to open an account on my behalf. I am requesting IC systems to delete this error immediately from my credit reports. This account should not have been opened on my behalf without my signature and identification. The only contract I signed with XXXX was for phone number XXXX many years ago. That account is closed with a XXXX balance. IC systems or does not have any written authorization or current identification of myself authorizing a new account in XXXX of 2019 for phone number ending in XXXX. As this error violates my rights under the FCRA please delete it immediately from my credit report. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received information from a recent update on my credit report of I C SYSTEM placing an unknown collection account on my credit file, to collect an alleged debt that I know nothing about or was made attempted about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A