Date Received: 2023-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A XXXX sales person came and pitched for a lucrative internet service. His name was XXXX, phone number XXXX. He told that he will send a box with an activation code, which I need to fix for the internet to start. He never shipped me the box and as a result I never installed or used XXXX. The XXXX XXXX sent me a bill of {$100.00}. I called them atleast 3 times and explained that I never got a box and as a result could not use their internet. The first customer rep was very rude and told that I even though I havent used it I need to pay. I called again exactly 2 days later the customer representative was kind and he went through lot of data and realized that I havent used their internet service and he told me to cancel the bill. But after a month I got a call from XXXX and this lady was very very rude and told me to pay the bill or will sent it to collection center. I requested her to look into the data. She said I dont want to look into anything and it was incumbent upon me to prove that I havent used it. I provided her all the proof but She sent it to collection center. Three collection centers are involved till now. To the first and second collection I called them and then provided all the proof. They stopped. Now its referred to third collection center. Now I am done with this XXXX false tactic to extract money from me. This is torture and frustrating. The third collection center which they have referred to is I C System Inc. ( phone # XXXX ). This is very frustrating and please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Attached is a copy of my credit report provided to me by XXXX XXXX XXXX XXXX XXXX XXXX ), and I ask that focus be put on the collection showing placed by I.C. System, Inc whose phone number is XXXX. Their collection is being reported to both XXXX and XXXX XXXX. They indicate they opened collection on XX/XX/2022 in the amount of {$310.00}. I ask that they confirm the validity of that collection, and I ask that both XXXX and XXXX confirm this validity as well. I also dispute the validity of this XXXX XXXX XXXX charge altogether because during the pandemic, I tried to subscribe to the XXXX & XXXX service. The company had difficulty connecting my service, so I called and let them know after many attempts that I want to forgo service with their company. I did not sign a contract with this company at all during this time.. In conclusion, I was never provided service with XXXX XXXX XXXX and they still charged me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46260
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As i look through my consumer profile I see that this company I.C. System, INC, account # XXXX is reporting a collection on my account. With a balance of {$1400.00}, balance updated XX/XX/. I have never did any business with this company and I have previously filed a CFPB complaint to have this removed off my consumer profile. I have now filed and identity theft report because this is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I believe that this account has been re-aged. I have a delinquency on my credit report from XX/XX/XXXX stating that it is from XXXX for XXXX dollars. I did not live in the US from late XXXX until mid-XXXX and did not have XXXX during this time. I did have some sort of XXXX XXXX in early XXXX. I experienced a XXXX XXXXXXXX situation and the bill may have gotten lost in the mix. I am not sure. I was just trying to survive at the time, to be honest. I can not even tell you if it was XXXX or not. Anyway, considering that it was from early XXXX, it has passed the 7-year mark and should not be on my credit anyway. If IC System did purchase a valid debt back in XXXX when I did not even live in the country, they re-aged it to the time when it was purchased and not the time when it was actually delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 596XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: this debt is for equiptment that I returned to XXXX XXXX XXXX approximately 7years ago. I C System never contacted me regarding this debt. This debt shows up on my credit report as open as of XXXX 2023. IC system removed this debt once before and placed it back on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93292
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: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please note that on XX/XX/2022, I opened CFBP complaint # XXXX. On XX/XX/2022 I also sent certified mail Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX which was delivered XXXX XX/XX/2022. I asked them for the following : 1. ) Evidence and authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter 2. ) Authorization of law for collection of information 3. ) Authorization of law to collect for this alleged debt 4. ) Send ALL of the dollowing evidence to do business or operate in the state of FL 5 ) Provide proof of the alleged debt including specifically the alleged contract or other documents bearing my WET signature. Please note it is way beyond 15 days, almost one year yet they have continued to harass me via mail and have yet to furnish ALL I requested above therefore this matter should be permanently closed and all reporting to bureaus should be ceased. Failure to do so I will seek immediate legal action against you for continuing to report false and inaccurate information on my report. Please conduct yourself accordingly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: IC systems placed a collection on my credit report that is not mine. I talked to the company and they even have a different social security number for me, but still placed this debt on my credit report. This account is not mine, I am handicapped and elderly and have not had a XXXX account in many years. There is someone who has my information, and I don't know who, they tried taking money from my bank account as well. I need to remove this asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21225
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, I C System, XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a credit card account under an open end consumer credit plan as late for purpose. I request that you remove this information from my credit report or investigate the accuracy of it. Please verify the information with the creditor and provide me with documented evidence of the verification process. As outlined in 15 U.S. Code 1681e, you are required to comply with reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. If, upon investigation, you find that the disputed information is inaccurate or incomplete, you must promptly delete, modify, or correct such information or block the reporting of the disputed information, and inform the creditor of the same. I expect a response from you within 30 days of receiving this letter, as per the Fair Credit Reporting Act 's requirements. Failure to do so may result in legal actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt collection is attempting to report and collect a debt by XXXX that is not correct. the balance states I owe XXXX which is incorrect. My phone was disconnected due to non payment which was XXXX at the time. which was in XXXX, XXXX in XX/XX/2022 an additional fees were added. The CS states that i will be credit. XXXX then stated the bill was XXXX dollars and the credit made it to XXXX. I never received a bill for XXXX and at the time my bill was only the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37412
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A