Date Received: 2019-12-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I sent a request for a validation of the debt and I have not received any response. The only reason that I knew of this debt was by looking at my credit report because I have not received any notice. I have also disputed the item on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently filed an identity theft report with XXXX in XXXX of 2019. XXXX is still showing collection accounts from multiple collection agencies. The collection agencies are IC system ( original creditor : XXXX XXXX XXXX XXXX ) for {$720.00}, XXXX XXXX ( original creditor : University XXXX XXXX of ) for {$78.00}, XXXX XXXXy ( original creditor : City of XXXX XXXX ) for {$840.00}, XXXX rec ( original creditor : XXXX XXXX XXXX ) for {$710.00}, and XXXX XXXX ( original creditor : XXXX XXXX XXXX ) for {$200.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The account that is being disputed is a duplicate account. The account that is being reported has been paid in full when previously owned by a different creditor ( XXXX XXXX XXXX ) in XX/XX/2014. The account being reported contains inaccurate balances, inaccurate dates, and an inaccurate reporting history. I. C. Systems has made no effort to validate the accuracy of the information they are providing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wanted to inquire about this debt. I dont understand why it is on my credit report since I have not received anything in the mail prior to seeing this debt from IC System on my Credit Report. It is to my understanding that IC system is required to send written notice prior to inserting themselves on my my Credit Report and wait 30 days from that point before they put it on my Credit Report. Furthermore it appears that theyre attempting to collect on a XXXX XXXX XXXX related debt and I have also never had any XXXX XXXX XXXX related products. If IC systems feels this debt is valid please provide me with the original terms and conditions that state that IC system is allowed to benefit in the form of interest and fees. Simply providing me with monthly statements is not going to be sufficient please note I am asking for validation and verification of the original terms and conditions related to the debt and not just monthly statements. As a result of this alleged debt I was also turned down for a recent line of credit with XXXX XXXX XXXX for {$30000.00} and they specifically referenced the debt being the sole cause. I needed this line of credit for a remodel for my business.. Please do not contact me by telephone please communicate in writing only via USPS mail. In the event that you or anyone reading this complaint do call me I am revoking permission to record my voice or use automated pre-recorded dialing systems. Any calls or communication in connection with this debt from IC System or XXXX I do consider to be an attempt to collect on a debt so please govern yourself accordingly. Debt collection matters and subject to the fair debt collection practices act and The California Rosenthal act. I am also now represented by an attorney and want IC System or XXXX to communicate with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( 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: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2019-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Collection accountS : {$820.00} Date : XX/XX/XXXX ; Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30507
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Opened an account with XXXX for my daughter, was going to open one for me, but found out my phone was not compatible so cancelled the account. Began receiving email bills from XXXX for the account that was closed before ever using, continued receiving, called and contacted XXXX multiple times, they said the account didn't exist, continued receiving, went into a XXXX to confirm the account didn't exist, then received Collection Notice for the amount from I.C. System, reference no. XXXX. Contacted them, have received no response, so I am submitting a claim. I have very good credit and don't want this to adversely affect it. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2019-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I.C. System INC., attempted to collect a debt of {$360.00} by contacting me at an incorrect address on XX/XX/2019 ; an address never used by me. The mail was forwarded to me and I responded two times demanding that I.C. System INC., verify their alleged debt. I.C. System INC., ignored my Notices and placed their unverified fraudulent account with the bureaus for collection. A Notice of Intent to Sue is currently on the way to I.C. System INC., for their repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq I.C. System INC have failed to provide me with a signed letter under penalty of perjury of the authorized representative of I.C. System INC. I.C. System INC also placed their account with the bureaus for collection before the legal response time of 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: HIPAA VIOLATION Acct # XXXX I asked for validation as well as verification of this alleged debt ... ..I was responded with verified as well as sent notification from IC SYSTEMS INC ... .which clearly violates my rights according to HIPAA. IC SYSTEMS INC did not provide me a HIPAA release that releases my medical information to them, therefor they are in violation of my HIPAA rights. I will proceed with legal action prescribed by law should this item not be deleted within the required time allowed by law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company sent me a letter stating I owed a debt to XXXX XXXX in the amount of {$260.00}, but they would settle for XXXX if I call them and settle it. The amount they are stating is owed, was from equipment being sent back delayed due to Hurricane Harvey hitting and flooding the XXXX area some years back. The equipment has since been returned and the account is a XXXX balance. Also, I was a service member that was able to void the contract with military orders for XXXX. This company is requesting money that isn't even owed with any validity. They are preying on a XXXX XXXX XXXX Veteran. I have already dealt with this with another collection company prior on the same exact debt! It's a shame that these companies exist. I will not provide this company any personal information in order to dispute through their website. This is ludicrous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2019-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A