Date Received: 2023-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I never recieved that I owed this debt and I paid this debt in full over 6 months ago. It was taken off one of my XXXX but has reappeared back on XXXX and XXXX and also says we owe them a balance again. I tried calling them to get this removed off my credit and they refused to help me. We even attempted to pay the debt again for help and they refuse to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78653
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: 1 Collection XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Derogatory XX/XX/XXXX {$270.00} Reported Illegally on my consumer report this above collection item On XX/XX/XXXX I not only contacted the consumer reporting agencies regarding this illegal item, which would constitute as identity theft as I never did any business whatsoever with XXXX and wrote to XXXX as well requesting they provide all documentation regarding our contracting them, billing and payment history, contract to do business with them, life of the account. They did not respond in any way, what they have done is now sell or transfer this debt to I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account numberXXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$270.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX. This is how they ruin and abuse consumer 's creditability and consumer profile. I never did any business with IC Systems, nor have I received any information from them. How they are allowed to illegally furnish information to my consumer profile is not only injurious to me but alarming. Aside from the personal injury to me, these persons ( XXXX and XXXXXXXX XXXX XXXX ) in collaboration with consumer agencies are breaking the law. In fcra 15 USC 1681 Congress specifically stated what can be reported to a consumer 's report and equally important what MUST BE EXCLUDED. Any transactions and experiences are to be excluded from a consumer 's ( my ) profile. In addition, in my communication with XXXX I exercised my right given to me by congress to request XXXX to cease and desist from this illegal activity they in turn chose to collude with IC SYSTEM Inc to further injure my consumer profile. I have never done any business with XXXX not IC SYSTEM INC. I have never opted in to their reporting to the consumer agencies on my behalf. I am pleading to CFPB and FTC to get these persons and agencies to provide my OPT IN and life of the transaction proof as well as any contract of me agreeing to do business with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX had an account opened in my name fraudulently and even though I tried to explain that this was not me, this was still sent to collections in my name and has affected my credit score. The collections agency has never contacted me regarding this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX has tried to get me to pay for a bill for XXXX XXXX for a few years now. The debt is not mine. They have put it onto my credit report 3 times by 3 different debt collection agencies. Each time I dispute the charge and it is immediately taken off my credit report because XXXX does not have the correct social security number. I have sent in packets that they have asked me to fill out 2 different times and each time its always some kind of hold up. Or I need to contact this department or that department. Its always a run around. As of right now if I go to XXXX I cant get any of there services because of this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was contacted in XX/XX/XXXX about a debt owed from XXXX for XXXX from IC Systems. They did not verify the debt with me but told me the amount that I owed. When I spoke with them I told them that I was disputing the debt and that I owed nothing. Then there was a report on my credit report from them that has been for the past year. They have not furnished me with any ledgers or bills from XXXX and have been reporting for the past year. They are in violation of FDCPA 15 USC 1692 et seq., which requires that a debt collection agency use fair practices such as furnishing the correct information to a debtor if, in fact, they do owe the debt. XXXX can not furnish any documents of a past due bill either. I contacted them in XX/XX/XXXX and they could not furnish a ledger either. This has created a loss only credit reporting and there is not any accuracy of debt owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : I.C. SYSTEM, INC XXXX XX/XX/XXXX {$2900.00} Untitled XXXX XX/XX/XXXX {$750.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IC system has furnished a collection on my credit reports and have no right per the consumer law, They have iilegaly obtained my non public personal information to furnish an account i have no knowledge of, they need to remove this from my credit reports immediately, they have not complied with my requests over the phone to send me any type of evidence to how i owe them or XXXX, to remind you a statement of transactions is not proof of anything but an account, Also XXXX is not even a company anymore it was acquired by XXXX XX/XX/XXXX of XXXX so how are you collecting on an account for a company that does not exist? You do not have my permission to furnish anything on my credit, I never gave permisiion for you to have or share my personal information and are subject to a XXXX fine in small claims for defamtion of charachter which i will persue in the XXXX XXXX court if this is not removed from my consumer reports within the next 30 business days, thank you. Some laws ive researched pertaining to my case 15 USC 1681 B SEC 604 Permissable purposes of consumer reports states any consumer agency may furnish a consumer report under the following circumstances and no other : 1 ) in response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connectionwith proceedingsbefore a Federal jury. 2 ) in accordanance with the written instructions of the consumer to whom it relates. I did not give written authorization for this creditor to furnish any of my personal information, or share it with anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently checked my credit report and I came to the conclusion that the debt owed was not my debt I had and have no knowledge of the debt and have no attention on paying it I then disputed the multiple different accounts giving clear detail on why this debt is not mine and I I couldn't have possibly assume this debt due to my unfortunate circumstances. In return I was told by XXXX that they have completed an investigation and deemed the account accurate when in fact it's not accurate at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2018 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to I.C. SYSTEM, INC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent I.C. SYSTEM, INC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. I.C. SYSTEM, INC is now civilly and criminally liable for violating my consumer rights. I.C. SYSTEM, INC union has yet to resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Excessive fees
Subissue:
Consumer Complaint: I hired a credit repair service for what i thought was a lot of money ( XXXX to enroll then an additional monthly fee ). But i needed my credit fixed. A few months later i checked my credit and nothing had happened. I cancelled the service and they continued to harrass me saying that i owed them money but no work had been done on my file. Now i have a collection on my report for XXXX? There is no way i owe this. As no work was done on my file. I've tried disputing this with the credit bureaus but haven't had success. Please help me in getting this collection off my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80204
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A