Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After getting out of prison in 2020 I checked my credit, I'd been gone for XXXX years and previously been contacted by the IRS who informed me I was a victim of identity theft when someone used my social to avoid their income tax by having nothing withheld from their paycheck. It was easily proven that I was unable to do this as I was in custody. So once I saw this report that I owed XXXX XXXX and now that debit was being pursued through a company called XXXX. I filed disputes with all XXXX credit bureaus and with XXXX XXXX XXXX in am attempt to remedy this. After no success I contacted XXXX XXXX on XXXX, I was told to fill out a Affidavit of Identity Theft and a police report, I did both and am waiting for this to be removed. This negative report has cost me money, time, and opportunity. I was just paid in the XXXX data breach as my information is routinely found on the dark web and I don't understand why it's so difficult for this to be proven its not mine, for all the above mentioned reasons this should be removed and I should be paid for the anguish this has caused. I just want it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never opened this account I told them this before and they keep trying to collect that is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I called XXXX to set up a payment plan after finding out that XXXX would only be giving me a credit with their account and not sending me the money to pay off my XXXX account ( I was told the promotion I was supposed to get with XXXX was not authorized and that's why it took a few months ). XXXX agreed and said as long as I paid it, I wouldn't be sent to collections. I'm a XXXX veteran and single mom and had just moved so I didn't have much money. I paid XXXX in XXXX, {$300.00} XX/XX/XXXX and XXXX XX/XX/XXXX. They then reported me to the credit bureaus and my credit dropped over 80 points. I tried calling them repeatedly and they just kept saying they couldn't help me and I needed to call IC systems ( the collection agency ). I then filed disputes with the credit bureaus and filed with the XXXX. Yesterday I received an email from XXXX with executive corporate offices of XXXX. He said my debt was valid and that I needed to call IC systems. I responded to him with proof and to the case worker with XXXX because she also sent me his response. This is illegal, and inaccurate. I do not owe them anything and this has been paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89502
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: IN XXXX I JUST FOUND OUT WE WERE EXPECTING OUR XXXX XXXX, THE FATHER WAS KILLED. I DEVELOPED XXXX AND FROM BEING ISOLATED I FELL INTO A XXXX XXXX. THE XXXX XXXX ACCOUNT HAD GOT OVER DRAFT FROM ME DOING MY CHILDREN 'S FATHER FUNERAL, BUT I JUST REOPENED THE ACCOUNT AND IT STILL SHOWS ON REPORT. THE XXXXXXXX XXXX WAS NEVER USED, BECAUSE MY TV WASN'T UP TO DATE SO IT WOULD CONNECT AND AFTER I RETURNED EQUIPMENT. THE XXXX BALANCE IS FROM ME NOT BEING ABLE TO SEND OLD DAMANAGED DEVICES BACK, BECAUSE I HAVE BEEN IN THE MIDDLE OF MOVING AND JUST LOST MY NEPHEW, SO I'VE BEEN A LITTLE SLUGISH LATELY AND I STILL HAVE THE DEVICES I NEED TO GET SIM CARDS OUT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: IC System, Inc submitted to me the ORIGINAL CREDITOR listed as XXXX XXXX. Since then, IC System , Inc has changed the original creditor. ( 2 ), two times. It is clearly stated that I do not have a second chance to make corrections. As stated, I have never done business with XXXX XXXX. No Invoices. No bills paid to XXXX XXXX. In addition, I am left confused, why is IC System , Inc. requesting information for an attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: To whom it may concern, I had two XXXX one dated XX/XX/XXXXXXXX the other dated XXXX XXXX. I received a call in XXXX from a collection agency to pay the remaining balance of {$400.00} that they quoted me. I have the receipt in my XXXX account transaction record for a payment to IC System on XX/XX/XXXX the company in question which I have attached below. I assumed the account to be paid in full and received no further communication that I can recall either phone or mail. Today ( XX/XX/XXXX ) I received a call from the collection agency stating I owed them {$400.00} for the services rendered on the above dates. I informed them that I would return their call after checking my records that I believed that bill to be paid. As it had been over a year I had not given it much thought in some time. After finding the payment in my HSA account I contacted the provider XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The agent looked up my account and initially told me that the XX/XX/XXXX date I still owed {$100.00} and that XX/XX/XXXX was paid in full. He then asked to place me on hold to check the account further. After he returned to the line he stated that I actually only owed {$56.00} and he saw it turned over to collection to IC System in XXXX of XXXX with no further info after that. I have not received any itemized bills for this nor any other communication that any balance remained from either the provider or the collection agency until today a year and a half later. I was also not been given an account number or any type of identification for the actual account by either party during today 's calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is the 4th attempt to prove again, that this charge from XXXX XXXX is not mine! Every 6 months or so, we receive a notice from another credit agency stating we owe this same amount. We've filed 3 complaints and each time the company agrees it is NOT our debt. IC lists account XXXX and ACCT XXXX {$2800.00}. We've even completed a fraud packet through XXXX XXXX XXXX, but it doesn't stop this nonsense. Called IC spoke to XXXX XXXX, clearly was reading a script. Told me I would have to send the actual police report not just a case #. Not sure how they can continue to sell, transfer or whatever happens to send debt that is clearly NOT mine again and again. We've done all the correct steps.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76052
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company is trying to collect a debt on charges they allowed to run up after being notified that my pet passed away. When I spoke to them they told me that they would update their records but I still had to pay them for care on my deceased pet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75022
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i never had any interactions with either company. my information was in a data leak, i tried to get a lawyer but it cost too much, i called the company 's multiple times only to speak to a machine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are multiple accounts on my credit report that are either inaccurate or just all and all not my account. I have filed and submitted police reports stating that these account were either fraudulently opened by someone else in my name or the dates and amounts are inaccurate. Here below are the account holders along with dates and amounts that are inaccurate which I have tried to resolve with said supporting facts and reports. ' {$2000.00}, {$1100.00}, {$610.00}, {$410.00}, {$1700.00}, {$340.00}, {$390.00}, {$240.00}, {$410.00}, {$610.00}, {$770.00}, {$300.00}, {$8700.00}, {$780.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ALL of the accounts that have been constantly negatively effecting my credit are inaccurate. I have disputing with the original creditors as well as collection agency. I have also disputed with XXXX, XXXX, and XXXX. I have provided supporting documents such as police reports and proof that these are not mine, yet they are still negatively reporting. These need to be taken care of as this is putting me in a financial hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A