Date Received: 2023-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The Collection agence Keep saying I owe them I have all ready payed XXXX XXXX The full amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury funder the laws of the United States. If'executed outsid [ of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certiy that i am permised by FEDERAL and STATE LAW to tie this dispute 1 also understand that knowing and willul misstatements or omissions of material facts consttutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C. 1001 Additionally these misstatements are punishable as perjury under 16 U S C 1621. This collection found within my credit report are not related to any transaction that I made I alleging that a person or company- without my authorization- used my personal identilying information to apply for goods, services, or money and, was successful in creating some accounts. All is being investigated by me FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have been harassed by a collection company about a bill I am not aware of with XXXX. I have never had an account with XXXX. Back in XX/XX/XXXX a fraudulent charge from XXXX XXXX on my bank account was refunded to me by the bank. Then a few month later ( in XXXX ), I started seeing a collection on my credit report. When I contacted the collection agency named XXXX XXXX XXXX XXXXXXXX ( back in XXXX ), they wouldn't listen to me and just want me to pay. When I contacted XXXX they told me to either file a complaint or deal with the collection agency as they have no knowledge of the charge and didn't have any information about the account. I filed a complaint in XXXX and thought it was resolved. Then in XX/XX/XXXX, it's another collection company that reported the same amount on my credit report. I tried to call that new collection agency again to know more about the collection, but they too didn't want to hear anything but get paid. The reports from both collection agencies have hurt my credit score very bad. I have no knowledge of this account as I never had a XXXX account in my life ; therefore, I never owed them anything. I want this collection out of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX in writing to furnish this report and never consented to this report on my credit file by : Account info Account name XXXX XXXX XXXX I Also known as XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX as well as I C SYSTEM INC : Account name I C SYSTEM INC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Balance {$210.00} Balance updated XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX could report this and XXXX never had my permission and stole my identity to report on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have fraudulent acount in my credit report I would like to dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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: I was in the process of purchasing a home and when my report was pulled and saw alot of information that was inaccurate. Complete defamation of my character. According to 15 U.S.C 1681 there shouldnt be any damages on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I.C. System, INC. has used illegal and immoral practices to attempt to collect questionable debt from me. I.C System has called me multiple times, There is no physical signature or agreement with the collection company. Agreement was not with said company, with no knowledge of the amounts given by this unknown company. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to I. C System. I ask that they immediately cease all calls and harassment or legal action will be taken. This account should be deleted immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Reached out to IC systems IXXXX, who is a debt collector for XXXX XXXX or XXXX on XX/XX/23. I notified them that they put a collection on my credit for XXXX. They informed me that the account was in someone else 's name that's close to my name but it is not my name. I informed them that their information was inaccurate and I have never had an account with spectrum and they told me to reach out to spectrum. I reached out to spectrum as well on XX/XX/23 and they told me that a family member was using my information. I asked what information and they said they took the first XXXX letters of your name and opened an account but they didn't have any other information. I spoke with a spectrum supervisor on XX/XX/23 and she informed me that the account they're referring to does not have any of my information attached to it ( SSN number, DOB, Full name or Address ). I also reached out to XXXX and filed a dispute and they sent me an email and said they deemed the information to be accurate. I called and asked a representative what information that they linked to me to make it accurate and he said that I needed to reach back out to the creditor who reported the information. It seems that they are all pointing the finger to one another but no-one can prove that an account was opened in my full name using any of my personal information. I feel like I'm being targeted and railroaded just because a company is trying to blame someone because they can't find the real person responsible for this debt. I've spoke to several representatives from IC systems INC since XX/XX/23 and no information that they have given me links this account to me so I don't know how its on my credit. They don't have my real name, email address, DOB, address, they don't have anything but 3 letters of my first name and last name. This is not right and not ethical and against the law!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I owe a tax debt to the XXXX of Kansas. They hired IC Systems to collect this debt. On XXXX XXXX I setup a payment arrangement with them for XXXX per month. I owed {$3500.00} in taxes and they are charging me {$4800.00} with penalties and interest. I have made 4 payments for the full amount plus XXXX in tax refunds they kept. As of today XX/XX/2023 they say I owe {$2900.00}. They are not applying the debt to the tax amount first and charging me {$300.00} a month in fees. This is criminal and they cant explain this to me. I called XXXX and they told me they can charge whatever they want. XXXX put a lien in my home and this is just a pure scam. The state has a huge tax surplus and XXXX sure some of this money is coming from this collection activity. I will report this to all the news station until someone stops this from happening to hard working taxpayers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66801
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: IC Systems added a collection account to my credit XXXX XXXX from the original creditor XXXX XXXX. The dates on my account have been re-aged and are therefore illegal. It shows the account was opened XX/XX/XXXX for a term of 1 month and my balance was past due as of XXXX XXXX XXXX This account was opened back in XXXX with XXXX XXXX as The original creditor and XXXX was XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A