Date Received: 2024-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I.C Systems Inc stole my nonpublic personal information, opened a fraudulent account in my name without my knowledge or consent, is attempting to extort me for payment and then reported this fraudulent account into my credit report which has caused so much damage. I am stressed and embarrassed. I never received any notices from IC systems, not that I should any way but, they are required to follow federal law in which they did not. I do not have any contracts with them. There is no Privity of contract between me and them. I.C Systems has failed to provide adequate validation of the debt. I.C Systems has failed to provide : Proof of the existence of the alleged debt and outstanding balance ; proof of a contract verifying I.C Systems can legally collect ; and proof that I.C. Systems Inc is the current holder of the instrument which created the debt. I.C. Systems is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX yet I.C Systems Inc is the company listed on my consumer credit report. I.C. Systems claims to have purchased the alleged debt/transferred the debt from another company, XXXX. Aside from the unsubstantiated validity of the alleged debt, this is a violation of law. I REFUSE TO PAY THIS ALLEGED DEBT AND I DO NOT CONSENT FOR I.C. SYSTEMS TO HAVE ACCESS TO MY NONPUBLIC PERSONAL INFORMATION AS THEY ARE THIRD PARTIES THAT I NEVER DID BUSINESS WITH.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This will be the second time that this has happened to me. Some one purchased a phone through XXXX XXXX XXXX ( not my cellphone provider ) by using my SSN. They let the monthly payments lapse which was then sent to a debt collector. The debt collector thinking it was me then put a mark on my credit report as a delinquet payment. The amount is the same as the first time {$1300.00}. This has been going on at XXXX XXXX XXXX for over a decade now and still no uptick in their security. The debt collector company is I.C. Systems. Inc
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: PG & XXXX has sent not one, but two debt collectors after me for the same debt. I have reached out to XXXX XXXX XXXX XXXXo let them know that it's fraudulent to share my identity, social, or otherwise ruin my credit. They have not responded to my email and it's been 30 days. They first sent XXXXXXXX XXXX after me, and that has been deleted from my credit report because they couldn't validate the debt. Months later they send I.C. SYTEMS INC after me as well. So as far as I'm concerned the debt has been paid in full twice by two different collection agencies. I do NOT give utility companies my social security number because it's against the law for them to ask for it. They are harassing me, and hurting my financial well being, and credit score. VALIDATE THE DEBT, or I will file a complaint with IRS, and SEC.GOV Due to the " The privacy Act of 1974 '' they may NOT share my personal information with anyone, company, or otherwise. Account number XXXX The so called debt is for {$850.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
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: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts contained in my credit report do not belong to me. The dates that the account were open I was not having my own residence. I have been XXXX for the past XXXX months and my car has been my residence. The dates were XXXX XXXX and XXXX. These accounts are fraudulent. .The accounts do not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed that this debt was on my credit report, I have NEVER had service or anything with at & t in the XXXX years ive been alive!!!!!!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28086
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, IC Systems, XXXX XXXX and XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, IC Systems, XXXX XXXX and XXXX XXXX the financial institutions and the Consumer reporting agencies XXXX, XXXX, XXXX and XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and XXXX XXXX, XXXX XXXX, IC Systems, XXXX XXXX and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These companies are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services and have notified them all by mail as I sent them all letters to tell them I was excercising my rights after numerous times of trying to work with them to resolve these issues in the past months. I have experienced emotional damage and discrimination trying to obtain housing and employment because of these issues that i have tried to settle with these institutions. I will attach the last letters I sent to XXXX XXXX, IC Systems, XXXX XXXX and XXXX XXXX and also XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company by the name XXXX have been trying to collect a dept through collectors on my credit for the amount of {$230.00} that I have no knowledge of. These unfair practices is prohibited by the FDCPA. They furnished this account that we did NOT agree upon and did NOT sign an agreement. A legal contract is signed by two parties and I did NOT participate in any of it. They did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I C SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I checked my three credit reports and found an assumed collection account from I C SYSTEM with different opening dates, balances, and/or last date of activities for this same exact account number. I have never had an account with this company nor received any type of first notice of debt including rights to dispute from this company. And if I, by chance, even though I have no recollection nor tangible record, naively spoke with a representative of this company over the phone about this debt, I was not informed by that representative that I had a right to dispute this debt nor a specific timeframe to do so. 15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents states that within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. Https : //www.merriam-webster.com/dictionary/receipt definition of the word receipt is- a writing acknowledging the receiving of goods or money ; proof, evidence. I never signed nor received any type of acknowledgement receipt from a mailing service for any mail from this company. I am familiar with the Fair Debt Collection Practices Act ( FDCPA ). Had I signed a receipt of notice for the proper and legal documentation from this company, I wouldve immediately responded asking for lawful verification of debt or copy of court ordered judgement well within the lawful 30 days allotted. After receiving my response letter with receipt, this company would have to legally cease from collection attempts and remove the account from my credit reports until their proof of verification is sent back to me. This company has reported to my credit reports without observing the FDCPA laws. My credit has been impacted adversely because of this companys irresponsibility. My credit reports also show that I C SYSTEM has provided this alleged account with inaccurate information. The FCRA requires that all data reported from the credit reporting agencies, creditors, or furnishers on a consumer 's report be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY. This means no data can be reported that can't be legally PROVEN to be 100 % accurate. My XXXX, XXXX, and XXXX credit reports all show different and inaccurate open dates, balances, first date of delinquency, and/or last date of activities for this same exact account. My credit reports also show accounts with inaccurate information and accounts that may potentially be in violation of the Medical Debt Relief Act, No Suprises Act, or Health Insurance Portability and Accountability Act ( XXXX ). I understand that XXXX XXXX under {$500.00}, a paid medical collection, a collection less than a year old, or have a past due balance listed on a credit report should not be listed on consumer credit reports. This is erroneous and flawed reporting that is listed on my credit reports. Not only did this company not follow lawful FDCPA communications protocol, but it has also broken FDCPA False or Misleading Representations protocol as well. A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. Each of my XXXX credit reports show different information instead of them all showing the exact same information. This is considered a false and misleading representation that this company has submitted to the credit reporting agencies. Please remove this account from my credit reports immediately. It is not my duty to provide evidence that this alleged debt is not mine. It is the obligation of the debt collector to provide evidence that they can lawfully collect on any alleged debt, accurately report to the credit agencies, and follow all FCRA and FDCPA laws. As of today, they have been unsuccessful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2024-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Company - I.C. SYSTEM, INC Date - XX/XX/year> Amount - {$650.00} I do not have any contracts with this company. I did not authorize this company to use my information or report it to any credit reporting agencies per 15 US Code 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2024-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Subject : Dispute of Collection Account Under 15 U.S. Code 1681b, 15 U.S. Code 1666, and 15 U.S. Code 1681e ( b ) Re : Account Number : XXXX Collection Account : I C System Inc Date of Collection:XXXX To Whom It May Concern : I am writing to dispute the accuracy of the information reported on my credit file in relation to the collection account listed under the account number # XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, I am seeking the removal of this collection entry based on violations of 15 U.S. Code 1681b, 15 U.S. Code 1666, and 15 U.S. Code 1681e ( b ). 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : I assert that the reporting of this collection account violates 15 U.S. Code 1681b, as there is no permissible purpose for the inclusion of inaccurate information on my credit report. The reported collection is not accurate, timely, or verifiable, and it adversely affects my creditworthiness. 15 U.S. Code 1666 - Reasonable Procedures to Assure Accuracy : The presence of the collection account on my credit report indicates a failure on the part of the reporting entity to follow reasonable procedures to assure the accuracy of the reported information, as mandated by 15 U.S. Code 1666. I request that you investigate this matter promptly and remove the inaccurate information from my credit report. 15 U.S. Code 1681e ( b ) - Timely Reinvestigation of Disputed Information : I am formally disputing the accuracy of the information contained in the collection account. I request that you conduct a timely reinvestigation, as stipulated by 15 U.S. Code 1681e ( b ), and provide me with the results of your investigation within the legally mandated time frame. Additionally, in keeping with the Fair Debt Collection Practices Act ( FDCPA ), which is a Federal Law as well as a state-specific regulation, the state of New Jersey requires collection agencies to obtain licenses to collect in/for that state. Specifically for the state of New Jersey, I C Systems Inc is required to file a Collection Agency Bond application which they had not done. As per the XXXX Consumer Access, I C Systems Inc, is not licensed to make collections for businesses within the state of New Jersey. They are clearly in violation of Federal Law and by you allowing the fraudulent collection to remain on my report, you are in turn fostering Federal Law violations. Please find attached copies of documents supporting my dispute, including : A grab screen from the XXXX Consumer Access website showing that I C Systems Inc is not registered/licensed within the state of New Jersey to collect debts in/for that state. Original Dispute Request ( dated XX/XX/2024 ). I kindly request that you investigate this matter as soon as possible and remove this fraudulent collection from my credit report. Your prompt attention to this matter is essential in correcting the inaccuracies on my credit report. I appreciate your cooperation in resolving this dispute in accordance with federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A