Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I hired XXXX law to assist me with incorrect information showing on my credit report several years back which XXXX or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, XXXX and XXXX started to report debt and re age old debt as if it just happened and it's over XXXX XXXX XXXX. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. XXXX XXXX XXXX IC Systems XXXX XXXX multiple accounts XXXX multiple accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Subject : Complaint Against I.C. System, Inc. Regarding Unfair Debt Collection Practices I am writing to file a formal complaint against I.C. System, Inc. regarding their egregious and unlawful debt collection practices. Despite my attempts to resolve the matter directly with the company, I have encountered multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and believe it is necessary to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and intervention. My complaint pertains to the following violations committed by I.C. System, Inc. : 1. Communication Tactics : I.C. System, Inc. has engaged in relentless and intrusive communication tactics by repeatedly calling me, even after I explicitly requested that all communication be conducted in writing. These incessant phone calls have caused significant emotional distress and created an atmosphere of harassment. Furthermore, during these calls, their representatives have resorted to using abusive and offensive language, which is completely unprofessional and unacceptable. 2. False Representation : The company has made several false statements and misrepresentations in an attempt to collect a debt that I do not owe. They have falsely claimed to be lawyers or government officials, thereby misleading and intimidating me into making a payment. Such deceptive tactics are in direct violation of the FDCPA and undermine consumer rights. 3. Attempts to Collect Debt Not Owed : I have never received any written notification regarding the alleged debt until recently, leaving me unaware of my right to dispute the debt. Furthermore, I was unaware of my right to request validation of the debt until conducting independent research. I.C. System, Inc. attempted to collect a debt without providing the necessary information and documentation to substantiate its validity, which is a clear violation of the FDCPA. 4. Insufficient Information to Verify Debt : Even after receiving the notification, I found the provided information to be inadequate for me to verify the alleged debt. The company failed to provide the amount of the debt, the name of the original creditor, verification or proof of the debt, and their authority to collect it. This lack of documentation raises doubts about the legitimacy of the claim and reinforces my belief that I do not owe the alleged debt. Given these violations, I am seeking the intervention of the CFPB to address this matter and take appropriate action against I.C. System, Inc. I request a thorough investigation into their practices and enforcement of the necessary measures to ensure compliance with the FDCPA and other applicable laws. Enclosed with this complaint, please find copies of any supporting documentation, such as call logs, correspondence, and any other relevant evidence that substantiates my claims. I am more than willing to provide any further information or assistance necessary to facilitate a prompt investigation into this matter. I trust that the CFPB will handle this complaint with the utmost seriousness and work diligently to rectify the situation. I request regular updates on the progress of the investigation and any actions taken in response to this complaint. Thank you for your attention to this matter, and I look forward to a swift resolution. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed a collection account from I.C. System Inc for an XXXX XXXX account. This account was opened by someone else using my SSN. I have never lived at the address they have on file nor the city. I have called them several times and also XXXX to clear this up. XXXX said they do not have an account under my name. IC Systems wont give me any info since I can not provide account information and wont remove the collection account from my credit report. I have opened 3 disputes with XXXX over this collection account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Call multiple times a day, will not confirm that they will stop calling me. Claim to be IC Systems but I have no idea who they are and they want me to give personal info which I refuse. They use an auto dialer, dont answer and after about 10-20 seconds the phone rings and they thank you for calling, which I did not. They spoof numbers so the latest was XXXX, yesterday was XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had no Idea this even existed until recently my credit was pulled and i was notified, they never notified me I owed this, I paid it off and was told I would get a deletion letter and now they wont give it to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX dont owe ic system any money. I understand ic system is a debt buyer. I dont have a signed contract with ic system. Im requesting ic to ceast and defrain from contract me. I request everything by postal mail. I want ic to delete collection off my credit report ASAP. This is a violation of fcra
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93657
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not owe ic system any money. I understand they are debt buyers. I do not have a contract signed by them. I request them to ceast and defrain and communication done by postal service only. I want this collection delete from my credit report ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/ Debt showed up as a collections, with the original creditor named XXXX but the debt was sold to IC Systems XX/XX/ Company sent letter to resolve unknown debt, and settle for a less amount. XX/XX/ Attempt to contact company to dispute the unknown debt, company did not answer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46142
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.
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: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A