Date Received: 2023-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I moved to another state and dont live in XXXX XXXX anymore and I am being charged for debt that I did not create. Someone is opening up Accounts in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The below companies have my information and I don't have accounts with these company and because the are on my consumer report it is fraud and identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have been saddled with a collection account for what seems to be a three-year old cable bill. I have no knowledge of this debt. When I spoke with XXXX, they stated that they did not have much information on the debt itself. They also stated that they on the spot adjusted the balance from XXXX to XXXX. Then my credit report collection is saying that I paid down XXXX dollars, which I did not. I both do not owe the debt and did not pay towards it. As far as I understand, simply from their information, they have assigned me an inaccurate number. I did not pay XXXX dollars a month for cable, nor did I miss any payments, nor did I pay XXXX of the XXXX alleged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: i HAVE A COMPLAINT AGAINST XXXX XXXX, IC SYSTEMS, CCS COLLECTIONS AND XXXX XXXX XXXX, COLLECTION ACCOUNTS. MUST BE REMOVED. .ACCORDING TO THE 15 USC 1681A2 STATES THAT I DID NOT GIVE WRITTEN PERMISSION TO HAVE THESE ACCOUNTS FURNISHED ON MY CREDIT REPORT AND THEY MUST BE REMOVED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I PULLED MY CREDIT REPORT ON XXXX TO FIND NOTHING BUT COLLECTION COMPANIES REPORTING TO ALL THREE CREDIT BUREAUS OF ACCOUNTS THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED NOTICE OR PHONE CALLS REGARDING THESE ACCOUNTS. THE COLLECTION COMPANIES ARE AS FOLLOWS : 1. XXXX XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 2. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 3. XXXX XXXX - ACCOUNT XXXXXXXX ( NO KNOWLEDGE 4. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) THESE TWO COLLECTION COMPANIES ARE REPORTING THE SAME ONE ACCOUNT AND IT APPERAS THAT IC SYSTEMS , INC HAD THE ACCOUNT FIRST AND THEN SOLD IT TO XXXX XXXX. IC SYSTEMS FELL TO STOP REPORTING THE ACCOUNT, NOW THERE IS TWO COLLECTION COMPANIES REPORTING THE SAME ACCOUNT. 5. IC SYSTEMS , INC -ACCOUNT XXXX XXXX XXXX ( NO KNOWLEDGE ) 6. XXXX XXXX ( NO KNOWLEDGE )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was alerted to the change in my credit report. I have not recieved a phone call, written notification of this debt, or any emails on this debt. the only debt I have that this could be, I had attempted to rectify with the company as they could not offer proper cell phone service, they could no longer provide service after 22 years. I called the company numerous times to fix this and they could not rectify it. i could no longer make phone calls, or access the internet. I had to go to a new provider.
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: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: IC SYSTEM INC REPRESATIVE TOLD ME I HAD AN ACCOUNT WITH XXXX XXXX IN XXXX LOUISIANA. I TOLD THEM ITS FRAUD I NEVER BEEN TO XXXX AND DID NOT GIVE NO ONE PERMISSION TO OPEN IN ACCOUNT AT XXXX XXXX XXXX XXXX LA. XXXX which is on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An account was opened in my name that I had no knowledge of. It was an At*t uverse account. It was removed from my credit report last year. The company IC systems had added it back today in result lowering my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. Please delete this account immediately from all three credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A