Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: my twin sister opened this account up in my name with my ID. This account is not mine. I have vehicles with other places. Ive filed a police report in regards to this matter and ive eve tried calling the dealership requesting footage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70454
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not know who IC System is, claiming XXXX and a debt of {$120.00}. I have not had a XXXX account since XXXX and, as this is XX/XX/XXXX, this claim was opened in XX/XX/XXXX, does not appear on my last full report dated XX/XX/XXXX. This is likely fraud and should be removed one way or the other.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have three accounts on my credit report that I have not authorized. The following accounts are : XXXX XXXX ( {$430.00} ), XXXX XXXX ( {$1800.00} ), and XXXX XXXX ( {$260.00} ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received notification via a credit monitoring service that this company named IC SYSTEM added a fraudulent debt from XXXX on my credit report. IC SYSTEM HAS violated my rights under the FDCPA AND FCRA ACTS. I was never notified of this debt in any way fashion or form to request validation before they reported negative information on my credit report. Im seeking immediate monetary relief as well as deletions to all credit reporting agencies not just the major three but all data repositories and data furnishers. Here is also my Debt Validation Request! Dear I.C. SYSTEMS, I am writing in regards to the collection account IC SYSTEMS reported to the CREDIT REPORTING AGENCIES I have no knowledge of this alleged debt. I am requesting that you provide me with full validation of this account as required by law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of this debt and I am requesting that you provide me with the following information : 1. The name and address of the original creditor. 2. The original account number associated with the alleged debt. 3. The date of the alleged debt. 4. Documentation proving that I am responsible for the alleged debt. 5. Itemized statements showing all charges, including fees and interest, associated with the alleged debt. 6. Amount of debt 7. Proof that you are licensed to collect debt in the state that I'm in 8. Proof of the last payment made on this account I am invoking my rights under 15 USC 1681G of the FCRA to request this information, which requires that you provide me with a complete and accurate accounting of the alleged debt. I am also requesting that you cease any and all collection activities until you have provided me with this information. Also if your reported negative information to any and all credit reporting agencies you must removed until a full investigation is complete. If you are unable to provide me with this information, I request that you immediately remove this alleged debt from my credit report and cease any further attempts to collect on this debt. I have no problem suing your company as a whole, along with its companys shareholders, employees, and register agents Thank you for your attention to this matter. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to dispute a fraudulent collection account that is appearing on my credit report. The account in question is completely inaccurate and incorrect. I have never had any dealings with that company. Also tacking on a {$530.00} fee to a debt that is allegedly {$5.00} is false and misleading and a violation of my consumer rights. I demanding that you immediately remove this fraudulent account from my consumer reports. If this account is not remove immediately upon receipt of this complaint, I will be filing suit for willful non-compliance & violations of the FDCPA. I've attached the police report.
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: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ) has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX 1925 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated several of my rights. 15 U.S.C 1681 Section 602 A Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 16666 B. A creditor may not treat a payment on a credit card account und an open-end consumer credit plan as late for any purpose. Remove these late fees payments and update this account immediately as you are in direct violation of several laws under The Fair credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX is saying I had cell phone account with them. I didn't sign XXXX. Not sure what are charging me {$120.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft.My ex husband XXXX XXXX opened unauthorized accounts in my name without my consent. I have tried contacting these companies several times to inform them that these accounts are fraudulent but they reported it anyway after letters and phone calls they ignored or never responded back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A