Date Received: 2023-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account was associated with an old rental property I owned. I sold the property and the electrice service then transferred to the new owners of the property. At some point they apparently got behind and the delinquency was mistakenly attached to my account. I thought it was resolved until I recently had a thorough review of my credit and see that it was assigned as a delinquent account in XX/XX/20. The attached document serves as evidence that the power company accepted the responsibility for the error and assured me it would be removed from my credit. I am just now finding out that it wasn't and need to have it removed as soon as possible. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was trying to buy a car & and I checked my credit and it was a collection on it saying I owed XXXX XXXX That was back in 2018 and I just recently called they said they are a 3rd party lender that XXXX gives all information too and such. I didnt sign a contract nor. Did they Loan me any money under the acts of fcra 15 u.s.c 1681
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There is a collection remark on my credit report from IC Systems on behalf of XXXX XXXX XXXX for {$19000.00}. I never received any notification of this collection until it appeared on my credit report, and I have never held an account with XXXX XXXX XXXX in my name. Our account for the past 10 years has been in my wifes name and has always been paid on time. The collection was apparently filed against me on XX/XX/XXXX, according to my credit report, and as stated I never received notice of the debt from XXXX XXXX XXXX or IC Systems. I was not aware of this collection until XX/XX/XXXX when it appeared on my credit report. After I discovered this collection against me, I filled a dispute with IC Systems on XX/XX/XXXX and still have not heard anything from either company about this debt. This is a collection for an account that I never possessed or had any information on and is affecting my credit for something that is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I.C System INC, please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company IC systems tried to collect a debt that i never owed with then and the last report was on XX/XX/XXXX for a debt that was never owed with an inaccurate amount of XXXX $ and bought from another company. When I never signed any documents this debt collector that must be removed as soon as possible. In Accordance with the Fair Credit Reporting act XXXX the Account from IC systems, the account number is XXXX and IC systems has violated my rights. 15 U.S.C section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX put a collection on my credit report after three years of it not being on there. ICSystems is the credit agency with the debt currently, that I paid off. ICSystems " said '' they sent me a letter before it went to my credit report. I've had the same address for the last 4 years and no letter was received. IF I would have received it, I would have taken care of the debt " before '' it hit my credit report if it were even valid. Maybe they should have sent it certified or something before they ruin someone's report after they " say '' they sent a letter, not knowing if it will get to me on time, if at all. I also talked to the CSR on the phone when making a payment and I want this line to come completely OFF my credit report, not just updated as paid. I've filed an FCC complaint against XXXX for shady business practices,, as they " recalled '' this debt THREE years ago after I tried to pay it off, then yesterday I wake up and the debt is on there from ICSystems. I never received ANY notice from ICSystems and I don't believe they even sent a letter to my address that I never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I.C. Systems contacted me during working hours, which is an inconvenience to me. Also, my number is registered on the National Do Not Call List as of XX/XX/2022. I.C. System, IncXXXX is violating the Telephone Consumer Protection Act by continuously causing my phone to ring during my working hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I.C. Systems contacted me during working hours, which is an inconvenience to me. Also, my number is registered on the National Do Not Call List as of XX/XX/2022. I.C. System, Inc. is violating the Telephone Consumer Protection Act by continuously causing my phone to ring during my working hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX IC Systems added a collection account on my credit file for {$120.00} without any type of notification which violated 15 U.S. Code 1692g of the Federal Trade commission. I filed bankruptcy in XXXX which this debt was discharged XXXX XXXX Case # XXXX Attorney is XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX As a condition of my employment, I can not have any derogatory information on my credit file after my discharged bankruptcy. This was an XXXX XXXX bill which I had no knowledge of still owing. I have contacted the company and was assured that the item would be removed by XX/XX/XXXX, this company has been known for not following FDCPA guidelines. I spoke with XXXX ID # XXXX. This has to be resolved immediately. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had IC system place a debt on my credit on behalf of XXXX XXXX XXXX XXXX on XX/XX/2023 in the amount {$2600.00}. I called IC system few times explaining them that the debt is not mines as I never signed the retainer with the law firm. My dad signed for the Financial responsibility and I was helping my dad through the process because of XXXX XXXX. IC system told me early XXXX that they would investigate the matter and get back with me. They never did and just went ahead and filed it on my report hurting my credit. I have no option other than waiting around because everyone tells me that this is going to take 30-60 days to get a response. I do not understand how they have are the right to ding peoples credit without having all the information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46545
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A