Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/23 I filed a CFPB complaint ( Complaint ID XXXX ) for a fraudulent collection account that was placed on my consumer reports. On XX/XX/23 the company, IC Systems responded and stated that they were sending the account back to the company and removing it from my reports. The account was removed and has subsequently been re-reported as of XX/XX/23. Furthermore, IC Systems has inflated the balance due on the account, the alleged debt is {$5.00}, IC Systems has added a {$530.00} fee to this debt in order for it to report and intentionally damage my credit as debt under {$100.00} do not affect your XXXX score. It was initially reported as {$520.00} so they have increased it even further. IC systems should be held liable for willful negligence in re-reporting a fraudulent account that they were given a police report for, for harassment and abusive collection practices. I am requesting statutory damages in the amount of {XXXX ( 15 U.S. Code 1692k ) and a deletion from all consumer reports the account was reported to. If this is not remedied ( deletion and financial damages ) within 15 days of this complaint, I will be filing suit in Delaware 's XXXX XXXX. Please see the attached letter and pictures of IC Systems confirmation of deletion as well as the pictures of the account re-reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX IC SYSTEM Re : Cease and Desist to IC SYSTEM and Debt Validation for Alleged account charter communications To whom it may concern, This letter is being sent to you in response to an alert on my consumer report I received on XX/XX/XXXX about an alleged account in which you claim I owe {$260.00}. I refuse ownership of this debt. You furnished this alleged debt without proper procedures I have received no notice of this debt with the ability to dispute this false debt Per the proper procedures stated in the FCRA. Be advised that your claim is disputed, this is a request for validation, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g, and the Fair Credit Billing Act, 15 USC 1666 et seq. This is not a request for verification or proof of my mailing address. It is a request for VALIDATION, made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character, violation of United States Code Title 18 Part 1 Chapter 63 1341 ( mail fraud ), violation of my privacy as a consumer, contacting me without my written permission, as well as, acquiring my location information. This debt is considered to be invalid, until I receive validation. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I XXXX will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted, and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This is also a notice to cease all communication made by your offices to my home, phone, or to my place of employment. If your offices attempt to make telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me must be done in writing, and sent to the address noted in this letter. I need to receive the following documentation from you : XXXX. Validation of the debt ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Colorado State Statutes for Lawful Purposes. XXXX. A copy of the contract signed by both parties and therefore binding both parties. XXXX. Please provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability, and confirm that this note has never been sold. XXXX. Please also confirm the name of the individual, who is the daily authorized representative from your company, who has carried out due diligence, under The Money Laundering Regulations XXXX, and what actions he/she has taken, in relation to this account. I hereby give you ten ( 10 ) days from the above date, to reply to this notice with a written response/notice sent using recorded post, and signed under full commercial liability and penalties of perjury, assuring me and promising me that all of the replies given to the above requests are true and without deception, fraud or mischief. Failure to provide documentation within ten ( 10 ) days from the above date, to validate the alleged debt, will constitute your agreement to the following terms : That the debt did not exist in the first place. In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your XXXX company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you. This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication is to continue. You have broken the law and violated the FDCPA FCRA and my rights as a consumer under the FDCPA and FCRA. Each violation to their maximum amount is {$1000.00} per violation. You are to cease debt collection, communication and delete this inaccurate incomplete item from my consumer report within 5 days of receiving this letter or I will be suing to the fullest extent for emotional distress, defamation of character, actual damages, punitive damages, and every violation of the USC code you have violated against me as the consumer pursuant to 15 U.S. Code 1681n sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: IC System keeps putting a collection on my credit report. I have a letter from them dated XX/XX/2021 stating that they will remove item from credit report AND it will NOT be re-reported to the credit reporting agencies by IC System XXXX Inc. Since I have received the letter the fraudulent debt has be sold to countless agencies that report the same fraudulent debt. It is not mine, does not belong to me and I want it removed from my report and made to NEVER resurface again. Enough is Enough. I have attached the letter from IC System.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/23 IC SYSTEM, INC reported a collection account for {$1100.00} on my Consumer Report without following the the basic FDCPA 15 USC 1692g Validation of Debts laws and providing a dunning letter to explain the alleged debt and give me an opportunity to challenge alledged debt. I have NO business nor have I signed a binding contract with IC SYSTEM, INC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17104
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I HAVE NOT CONTRACT ANY SERVICES WITH THIS COMPANY. I DON NOT KNOW THEY RECEIVED MY INFORMATION. I C SYSTEMS INC BALANCE REPORTED : {$660.00} REPORTED ON CREDIT BUREAUS : XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I went to the Dr on XX/XX/, my copay was {$100.00} with XXXX XXXX as per my XXXX XXXX policy XXXX plan # XXXX which i paid at the time of service. a couple of months later XXXX XXXX sent me a bill stating that some weird insurance company paid some money but not all of it. I write to XXXX XXXX twice without a response advising them that it appeared they billed the wrong insurance company and that my copay was supposed to be {$100.00}. I never heard back from XXXX XXXX on either of my letters. today i received a demand for payment from a collections agency I.C. Systems XXXX XXXX XXXX. XXXX XXXX MN XXXX demanding payment of {$79.00} which i do not owe as i paid my co- [ ay at the time of my visit as per my XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Icsystem inc I did not authorize you to put this on my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: First never got any written notification sent to me about this alleged debt, then sent a letter to I.C. System, inc on XX/XX/XXXX about an alleged debt on my credit report and asked if they could send me information about the debt and the response letter on XX/XX/XXXX was they could not find any information with my name attached to that debt. Waited several weeks and still it remains on my report, called around XX/XX/XXXX to follow up and again ask to send me information and the original contract and was told there wasnt a contract it was a verbal agreement but yet still have not received anything nor has it removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to bring to your attention the matter of a debt validation letter sent to IC System on XX/XX/2023 pursuant to the requirements set forth under 15 USC 1682 ( g ). Unfortunately, despite the passage of a considerable amount of time, I have yet to receive the requested documentation as mandated by law. On XX/XX/2023, I sent a debt validation letter to IC System requesting that they validate the debt they reported on my credit report. I included all relevant details, such as the account number and the amount in question. According to the FDCPA, they are required to respond within 30 days of receiving the letter.This letter was intended to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and to request the necessary documentation to validate the legitimacy and accuracy of the debt in question. As per 15 USC 1682 ( g ), a debt collector is obligated to provide the requested information within 30 days of receiving such a request. However, it has now been over 30 days since the date of the letter, and I have not received any response or documentation from IC System. This failure to provide the requested information not only violates my rights as a consumer under federal law but also raises concerns about the validity and legitimacy of the debt they are attempting to collect. I believe it is important for the Consumer Financial Protection Bureau to be aware of this situation. The non-compliance of IC System with the requirements of 15 USC 1682 ( g ) not only undermines the protections afforded to consumers but also indicates a potential violation of the Fair Debt Collection Practices Act. Furthermore, I have not granted I C System authorization to acquire my private, confidential, and sensitive data and submit it under my name to the consumer reporting agencies but it seems that my identity has been misappropriated and utilized in a hostile way by their company. For this reason, they have also violated the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act by sharing my non-public personal information with non-affiliated third parties without providing me with a notice that complies with 15 USC 6803 and also failing to give me the opportunity to opt-out as required by 15 USC 6802. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure IC System 's compliance with federal consumer protection laws. It is crucial that debt collectors adhere to the guidelines set forth in the FDCPA to protect consumers ' rights and prevent any potential abusive or unfair practices by reporting false negative/delinquent items that are a defamation of character, ruining my reputation, and my overall creditworthiness. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the appropriate steps to address this issue and uphold the rights and protections of consumers. I look forward to receiving a response from your office regarding the investigation 's progress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: From : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To : I.C. SYSTEM INC. XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Dear Debt Collector, RE Letter sent from I.C. SYSTEM INC. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$250.00} Be advised this is not agreeing to this debt. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Please attach all the requested documents. Agreement with you and XXXX XXXX the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector. Must be verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A