Date Received: 2019-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I.C.SYSTEMS : XXXXXX TO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX. I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Collection company is attempting to collect on a debt that was removed from my credit profile previously and now they have replaced it back on my profile. I believe this is intentional to cause me catastrophic harm to my credit profile. Moreover, I never signed an agreement with this creditor at anytime for any reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2019 I had disputed a debt collection from I C Systems. The debt is not mine but and the account was opened under a similar name. I tried to explain this but the dispute came back unsuccessful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07866
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I C SYSTEMS INC HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have never received anything from IC Systems. I have never heard of them. I have no debt and a clear record except for this bogus filing. I have disputed it, still never received any information, and they only site the FCRA as a reason to leave it. However I have opened no accounts within the statute of limitations in the state of GA. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: IC Systems - Debt Collector For XXXX Hospital Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I had the right to demand that IC Systems disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I demanded that if they did not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). What was sent back to me as " validation of the debt '' was a forged document. The " contract '' sent to me included forged initials and signature. This is illegal. I would like action taken and the debt removed from ALL 3 credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year. They directed me to I C System. The representative for the collection agency I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted I C System again at this time and they informed the previous agent I spoke with was out for the week. He continued to say that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX XXXX or XXXX service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Good afternoon, I paid a debt owed from from a XXXX Phone bill on XX/XX/2018, in the amount of {$730.00}, collected from XXXX XXXX, XXXX '. I recieved an credit alert tha collections Agency ' I C system ' has placed an account on my credit report for the same XXXX bill that was already paid. XXXX sold the debt twice. And reported this debt on my credit report. Illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please help me. I am so infuriated right now. Last month I spoke with IC Systems. I spoke with a collector named XXXX XXXX. I called because I saw on my credit report a couple of collections with IC Systems name on it. I tried to fight them with XXXX but I was told the collections were verified. When I called IC Systems I was told the accounts were for a wellness program at XXXX XXXX XXXX. When I asked questions about it, the collector told me it could be for an auto renewal on a program that we didn't know auto-renewed. I informed him those weren't technically legal so I asked more questions. He then said things are muddy on his side because IC Systems didn't get an itemized statement. I then asked him for the paperwork that shows I signed up for this auto renewal. XXXX gave me an e-mail to XXXX XXXX XXXX. He said in our conversation that he was speculating about what the debt was for. After some more investigation on my end XXXX started getting upset and told me " I understand you aren't trying to pay this at all. '' I advised him that was not the case but simply that I wanted to make sure what the bill was for before I paid it. He then started telling me to talk to XXXX instead of fighting with him. I informed XXXX that if I'm supposed to talk to XXXX, why does his company exist and why are they collecting? XXXX informed me he's collecting and reporting on behalf of XXXX. I then reiterated that if I was going to deal with XXXX, and XXXX wants me to contact them for any information regarding this debt, then his company should just cancel this account, remove it from my credit report, and send it back to XXXX so I could deal with them. I finally asked him for an e-mail to IC Systems, or an address, or a fax so I could send his company something in writing. XXXX then said " I can guarantee you that if you just send like a random letter stating anything of regarding this that it's not going to ... like I can give you an address but its not going to do much for this situation. '' He then said in the same conversation " sending me any documentation of this.. anything related to this is not necessarily going to like ... that information we have nothing to do with this. '' He finally said " if you want to send a letter to make yourself feel better that's fine. '' After asking him numerous times for his address and fax he finally gives them to me. I then asked to be transferred to a supervisor. XXXX was her name. XXXX is her employee number. I explained this entire conversation to the supervisor. In the end the supervisor gave me several explanations which were also found wanting. After I told her what the requirements for auto renewals were, she told me auto renewals and the laws regarding them vary from state to state. She then claimed XXXX followed the laws regarding auto renewals. I then asked her what state this auto renewal agreement was signed in and she said she didn't know .... She then said she didn't have that information ... Essentially, she was also telling me she didn't have the info to prove this debt was legitimate. I then sent this company a dispute letter the same day to the address provided to me explaining my problems with these collections and why they are not valid. I did it the same day this phone call was made which was XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX and also to XXXX XXXX XXXX XXXX XXXX MN XXXX. To this day I have not received any correspondence acknowledging my dispute or a response to it. To reiterate my problems with this collection agency and this erroneous debt ; IC Systems does not have any solid information on this debt. They have no contract, itemization, or proof of what is owed. They are refusing to provide me with any documentation and are in fact dissuading me from sending a dispute as is my right under the F.D.C.P.A. They are even going above and beyond in illegal activities by telling me my dispute letter will be pointless and nothing will be done with it and to only send it to make me feel better. They demeaned my character by telling me they were aware I wasn't trying to pay this collection at all in a matter of fact tone. Even the supervisor made a blatantly false statement by telling me that XXXX followed all the laws regarding auto-renewals when she didn't even know what state the auto renewal was signed in or had no access to that information. She just made an assumption. This has gotten so out of hand that I will not accept anything less than the complete eradication of these accounts. they need to be removed from my report and cancelled all together.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This company is reporting erroneous information on my credit report and negatively 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A