Date Received: 2023-05-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Date : XX/XX/2023 Dear XXXX, Account XXXX : XXXX IC system reference No. XXXX I am writing to you regarding the debt that you claim I owe. While I do not dispute the fact that there may be a debt that needs to be settled, I would like to request that you validate the debt properly. As a debtor, I have a right to know that the debt in question is legitimate and that you have the legal right to pursue it. Therefore, I request that you provide me with a copy of the original purchase agreement that shows that you legally own the debt by the original creditor. In addition, I request that you provide me with all statements from the open to close, the treatment given, and signed with date and time and by whom in a certified statement ( or notarized ) by the provider ( ( original creditor : XXXX XXXX XXXX XXXX XXXX. I would also like to request a HIPAA document If any from the original creditor where I have signed, treatment provided, XXXX code ( Please make sure it is HIPAA certified ). Furthermore, I want to ensure that you are a legal debt collector in my state of XXXX. Therefore, I request that you provide me with a copy of your bond letter. I am confident that you understand the importance of these requests, as it is your legal obligation to provide me with this information. I would appreciate your prompt attention to this matter and thank you in advance for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX 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: 33414
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against I.C.System for committing identity theft. I have never given I.C.System any permission to use my identifying to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Im demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. System can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and I.C.System continues its collection efforts. file for litigation for actual damages caused and I.C.System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are requested and required. Account # : - XXXX - XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a debt showing on my credit report that was sent to I.C. Systems, Inc with ATT XXXX {$820.00}. I spoke with this company and let them know that this was an action of identity theft! They gave me all information which will be below regarding who, when, and what address this was taken place. I was told to do a police report and an online report with there company to get it resolved and taken off my credit. XXXX ( debt collector contact number ) XXXX ( debt amount ) XXXX XXXX XXXX XXXX Alabama XXXX ( address of service being used ) XXXX ( account number ) XXXX ( person who stole identity email ) XXXX XXXX ( date account opened ) XX/XX/2017 ( date account closed )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: ASKING FOR CREDITOR REMOVAL OF XXXX XXXX DATE OPENED 2/21 LIMIT XXXX STATUS 09 TUEF PLEASE REMOVE IT FROM THE CREDIT REPORT. NO ITEMIZED BILL OR CONTRACT OR ANY SIGNATURE CONTRACT HAS BEEN PROVIDED IT HAS BEEN OVER 2 YEARS WAITING FOR A RESPONSE FROM THE CREDITOR. THE CURRENT INFORMATION LISTED BY YOUR XXXX SITE OF THIS COMPANY IS OUT OF SERVICE (I.C. SYSTEMS, INC. XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX) PHONE# (XXXX NO LONGER IN SERVICE NUMBER NOR ADDRESS IS VALID. PLEASE REMOVE OR RESPOND WITHIN 30 DAYS. THANK YOU
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91732
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On or about XX/XX/2023, I contacted the creditor about a collection being reported on my credit, I informed them that its wasn't mine and possibly fraud... they persisted that it was. I told them I never had service or filled out an application for XXXX services. Now, its damaging my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I disputed the I.C Systems as they continued to report and have for years. I am educating myself on consumer laws and have discovered many violations. I wrote I.C systems asking for a Debt Validation Letter they responded they could not provide me any information they could verify and they would not be reporting any further on my reports. I.C. systems is still being reporting on my report and being updated regularly. I have the letter I can provide for proof. Thank You for your time, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have disputed this unknown account because it popped up on my credit reports one day. Its not my debt. I never received any notice of collection nor any proof of said collection. No statements, receipts or anything. No phone calls emails or mail. Just sitting on my credit report with no proof also reporting incorrectly. All correspondence should be sent back to this complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I closed my XXXXXXXX XXXX account # XXXX at the end of XX/XX/XXXX when I moved. I returned all the equipment to the XXXX as instructed and was told the account was closed and I owed nothing on the phone with XXXX. No further bills were mailed to me. Once I checked my credit report in XXXX, I noticed I had a collection again my XXXX account. I contacted XXXX and they stated my account was closed, there was an error they corrected and provided me with confirmation # XXXX. The debt was never cleared off. I opened disputes through XXXX to remove this without any success. I also contacted XXXX multiple times when they stated the last person forgot to process the final steps and they would take care of it. After about a year of this process, XXXX opened a new ticket # XXXX on XX/XX/XXXX. After many hours on the phone, they finally stated they account was closed and they could do nothing about it even though they had stated the caused the problem by billing incorrectly. The debt has been passed between about 3 different debt collects with it currently sitting with I.C. System, INC who I'm waiting to receive any communication with. I have opened a dispute with XXXX, but I have no confidence this will resolve my issue. At the end of the day, this is debt I do not own confirmed by the original debtor XXXX and I need this resolved and removed from all of my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was closed by my request. There should be no debt owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A