Date Received: 2024-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX I did a dispute with i.c. systems through the cfpb report no. XXXX they have removed the debt from my consumer report i.c. systems continues to harass me over an alleged debt that is not mines. I.c systems willfully reinserted this account to my consumer report on XX/XX/XXXX this item has been resolved on XXXX it is illegal to reinsert a negative item on my consumer report i.c. systems has not sent me any validation of the alleged account or contacted me about reinserting this account back on my consumer report. This has brought my score down tremendously and I am suffering from this item being on my consumer reports. This is considered double jeopardy and it is illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my consumer report and seen that my score has declined tremendously I.C SYSTEM is reporting negatively on my account for an alleged debt that does not belong to me. I have spoken to this company multiple times about this debt they have removed this debt from my consumer report I even have disputed this debt with the original creditor and have made many complaints against the creditor.This debt does not belong to me .I.C SYSTEM continues to harass and violate my consumer rights. This company has willfully and knowing continues to insert negative items on my consumer report knowing the item has be removed. This is causing me pain and suffering and mental anguish. This is double jeopardy and discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company is in clear violation of the law and needs to update their reporting. I don't know who this company is plus they have access to my report and they are in possession of my personal information without written or verbal consent which falls under identity theft. Violations By Your Company : Identity theft concerns and deprivation of rights : The absence of verbal or written consent for the collection and reporting of personal information by third-party debt collectors not only constitutes a flagrant violation of numerous laws and consumer rights protections but also infringes upon deeply held religious beliefs and constitutional rights. This includes : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692 et seq. ), particularly Sections 807 and 808, by third-party debt collectors who purchase debt without a contractual agreement with the individual they are reporting on. This violates provisions that prohibit debt collectors from making false or misleading representations and from using unfair or unconscionable means to collect debts. 2. Breach of contract laws as third-party debt collectors lack a valid contractual relationship with the individual they are reporting on, failing to establish a legal basis for collecting or reporting the debt. 3. Potential violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ) if the third-party debt collector inaccurately reports or updates debt information to credit bureaus without proper verification or validation, thereby impacting the individual 's creditworthiness unfairly. 4. Failure to comply with state consumer protection laws governing debt collection practices, including requirements for transparency, accuracy, and fair treatment of consumers. XXXX. Violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ) by disclosing sensitive personal information without proper authorization. Third-party debt collectors are restricted from obtaining or disclosing personal information unless explicitly permitted by law or authorized by the individual. XXXX. Infringement upon the individual 's rights under the Fair Credit Reporting Act ( FCRA ) if the third-party debt collector reports inaccurate or outdated information to credit reporting agencies without conducting a reasonable investigation into the validity of the debt, leading to potential harm to the individual 's credit reputation. Additionally, the third party lacks the " first-party interest '' necessary to justify the reporting under the FCRA. Deprivation of religious beliefs and constitutional rights, as protected by the First Amendment of the U.S. Constitution, by imposing reporting practices that conflict with an individual 's religious beliefs and by infringing upon their right to financial autonomy and privacy, leading to significant damages that deprive individuals of their right to freedom. These multifaceted violations not only undermine legal protections but also undermine fundamental principles of religious freedom, constitutional rights, and individual autonomy, necessitating urgent remedial action to protect affected individuals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: on XX/XX/2024 i reached out to ic systems to disclose what information they had pertaining to the fraudulent account open what signed contracts etc i was unable to get information or get a resolution to my concerns i would like to remove the accounts from my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
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 XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After checking my consumer report I have noticed that a collection that was once deleted has been reinserted into my file. This conduct from I C System has violated my federally protected consumer rights 15 USC 1681 procedures in case of disputed accuracy the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. This company has no rights to my personal private information after having no agreement or wet ink signature. This debt is disputed, please remove from your files my information. This purchase also violated the FDCPA, FCRA etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: We moved and set up XXXX internet / cable at our new house. No issues or complaints/ collections came from charter. My credit just dropped. When I looked into it IC system had dinged my credit. They never reached out to me. I had no idea who they were or what charge was for. I called them, they explained XXXX XXXX wanted {$170.00} for unreturned equipment. This is very strange because XXXX. I returned equipment, XXXX. XXXX never requested money from me and I have a current account with them so they have all of my information it would be easy to reach me. This is what was listed for reason for credit ding " The collection agency is I C SYSTEM. The original creditor was XXXX XXXX COMMUNICATIONS. '' I paid the amount because I didn't want my credit to tank further ( down XXXX pointes over a {$170.00} charge ). We are in the process of applying for a construction loan so it is a huge deal for us we lost our rate. IC Systems confirmed on the phone that they had sent the bill to an address I no longer lived at and addressed bill to XXXX XXXX ( I have been legally XXXX XXXX - married name - since XXXX ). The charge in question happened in XX/XX/XXXX. We no longer qualified for the loan we needed. I paid the charge I am not sure I should have because I never heard from Charter. IC Systems never let me know that they were trying to collect from me. IC Systems said they would flag the transaction but my credit is still down XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Victim of identity theft. Submitted forms and identification, still reporting on credit report,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently obtained a copy of my credit report, and you are currently reporting the debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I did not permit I C SYSTEM and XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is only to be revealed with the patient 's authorization, therefore my request is twofold, and as follows. Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until I have validated the debt Please send this information to my mailing address listed above and accept this letter as a formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, reporting this debt to the credit bureaus before allowing me to validate if it may be a violation of the Fair Credit Reporting Act, can allow me to seek damages from your collection agency. I will await your reply with the above-requested proof. Per the standard you have 30 days to respond to this request, or this debt will be considered invalid and removal from the credit bureau 's expected or damages will be sought after. All accounts in dispute are listed below. I C SYSTEM ( Reported : XX/XX/XXXX ) XXXX XXXX XXXX ( Reported : 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: 32205
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A