Date Received: 2023-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I believe i am victim of identity theft I have no knowledge of this account it was open fraudulently without my consent. I would like this to be removed it is impacting my finances and does not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78239
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
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 HAD MY IDENTITY STOLEN AND SOMEONE CREATED FRAUDELUNET ACCOUNTS UNDER MY NAME SO IM TRYING TO BUY A HOUSE AND I NOTOICED THAT I HAVE BAD THINGS ON MY CREDIT NOW I CANT GET A CAR LOAN OR BUY A HOUSE AND I HAVE A XXXX XXXX XXXX THAT DEPENDS ON ME I HAVE COLLECTIONS THAT I NEVER HEARD OF PAYMENTS THAT WERENT DUE ON TIME THAT WASNT ME THIS PERSON RUINED MY LIFE AND I HAVE A POLICE REPORT FOR THE IDENITY THEFT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72104
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent a 609 letter asking them to verify the debt with signature pages & they sent bill. That doesn't prove that it's my debit. This response is the first communication I received from them. I only found out about the account because it showed up on a XXXX credit report. Also, this company will remove the account after I dispute it & report it again the next day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
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: On XX/XX/XXXX and XXXX I wrote two letters. XXXX to XXXX, XXXX. The other to I.C systems. I asked both companies to prove I owe the debt, and prove that they own it. Neither has complied, and they're still reporting on my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: IC Systems reported to the Credit bureaus that I opened an XXXX XXXX XXXX account on XX/XX/2023 and owed {$1300.00}. Then reported that I was delinquent and the account was open, which seriously hurt my credit rating. I do not have an open XXXX XXXX XXXX account. This debt was reported by other collection agencies last year and this was disputed and had to be removed. IC Systems is illegally trying to re-age this account. I am sending a letter to them requesting all account information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i contacted ic systems about a debt i see on my credit report and i didnt know where it came from. i called to get verification from them and they told me to send in writing. i have never called this company and i looked at my credit report and it said date of last activity was XX/XX/XXXX on experian and XX/XX/XXXX on XXXX. the person who took the call verified that i had never called before as well. i believe they were or are re-aging the account on my credit report since the debt date is coming up on 7 years this XXXX. he told me the account was created in XXXX of XXXX and closed on XXXX of XXXX the XXXX year rule in tennessee is valid so they are guilty of re-aging my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Never heard of this company before and do not have a Contract with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This all started when my wife was opening new service in XX/XX/2022 from XXXX for our new address. When I spoke to a representative, they stated I owe {$980.00} for service in Georgia USA. I explained we don't live in Georgia nor have we in the past. I gave the representative all of my current information as well as my personal information for verification purpose. However the representative stated I still owe for an account I did not open, and this is fraudulent. I asked the representative if they have identification on file and they said yes. They called several times requesting payment and tried to withdraw funds from my credit card for the past amount due from someone in Georgia. Yesterday I received a letter from XXXX. XXXX XXXX stating I owe {$4100.00}. This is illegal and I should not be charged or pay for something I have no knowledge of. I explained this to the representative, however they were not interested in hearing what I had to say. They wanted me to pay for someone's else bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is reporting information without my consent in which it states i owe such debt to this collection which is not in fact the original creditor this is false pretenses This company have violated my consumer right under 15 U.S. Code 1692j - Furnishing certain deceptive forms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46544
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: IC System has been calling me every day for weeks. This is allowable. However I have answered the call 2x. The first time the call took several seconds to connect then once connected it dropped immediately ( XXXX ) - a violation of the TCPA worth {$500.00} minimum as it is apparent they are using an autodialer. Today I answered the call and the agent refused to identify herself and failed to provide the miranda statement after asking for my wife. I called back and the agent told me they do not have to identify themselves unless they know who they are calling. I escalated to a supervisor who LITERALLY tried to collect a debt without giving the miranda after finding out who I was, I hung up on the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84065
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A