Date Received: 2023-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is not my account I dont live anywhere near Ohio its fraud I live in XXXX Florida XXXX This needs to be removed immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
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 spent 6 months ( XXXX through XXXX of 2016 getting our bill/account corrected with XXXX. We were finally refunded over {$650.00} of excessive charges after continually calling and then working with a special department at XXXX. 6 months of my time. Our contract was ending that fall. Date : Fall of 2016 after all of the hardship we went through with XXXX, we switched to cheaper Military Plan on XXXX during a special where they paid off any remaining balance on your contract to your provider ( which was XXXX ) and sent back the phones to the provider ( we turned in our phones and they were mailed back to XXXX ). We were present when they contacted XXXX and ended our contract. Amount Disputed : {$1300.00} This amount was put on to my credit report. I have submitted a dispute four times through XXXX. We do not owe anything to XXXX. Our account was current by us and paid in full by XXXX to buy us out of contract to start up phone service with XXXX XXXX. Our contract was paid in full by XXXX when we switched providers. We are still with XXXX to this day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a collection from I C SYTEM THAT SAYS THE ORIGINAL CREDITOR IS XXXX XXXX XXXX. I HAVE NO KNOWLEDGE OF THIS DEBT AND DO NOT OWE THIS COMPANY. THIS LOOKS LIKE FRAUD {$370.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Someone with the same name as me, the same date of birth, who failed to pay the balance of their account and failed to return the equipment to XXXX ( XXXX XXXX ). This is the second time XXXX has misreported a collections account as me. A few years ago I saw an account show up on my credit report as in collections. I disputed the account with XXXX, and within a few weeks it was removed. This time when I disputed this new account in collections, XXXX said that they confirmed it was my account, so I contacted the collections company I.C. SYSTEM INC. on XX/XX/XXXX to gather all the information I could on the account and see how this could be resolved. I spoke with a XXXX ID # XXXX who confirmed that the only information that matched mine was my name XXXX XXXX, and my date of birth, XX/XX/XXXX. The service address, phone number, email, is different. XXXX told me to contact XXXX and submit a fraud case. I contacted XXXX, opened a fraud case ( XXXX fraud case # XXXX ). The agent I spoke with confirmed that the social security number on the service account the collections account is regarding does not match my social security number, so I disputed the collections account with XXXX again, uploaded scanned copies of my driver 's license, social security card, and passport. XXXX closed the dispute on XX/XX/XXXX with the findings that I.C. SYSTEM INC. confirmed the collections account is me. So when I saw this today ( XX/XX/XXXX ) I called I.C. SYSTEM INCXXXX at XXXX XXXX EST to ask how they are confirming the account belongs to me. The person I spoke with said that when XXXX investigates the dispute, they just confirmed the information that they have, which in this case, is just the name XXXX XXXX and the date of birth XX/XX/XXXX. I.C. SYSTEM INC. said they do not have this person 's middle name and they do not have this person 's social security number. XXXX is asking me to file a police report claiming identity fraud, but I do not believe this other XXXX XXXX used my identity to open an account, I think XXXX ( XXXX XXXX ) is improperly reporting the information to their hired collections company I.C. SYSTEM INC. I have an active service account with XXXX and I believe they're misreporting that information. It is extremely frustrating that this is the second time XXXX has done this, docking my credit score, taking up a lot of my personal time, and causing me undue stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : LAST 4 OF SOCIAL SECURITY NUMBER # XXXX To Whom It May Concern, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC sS 1681 b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title ; a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. The following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately. Inquiry Company Name : XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiry Company Name : XXXX Date of inquiry XXXX XX/XX/XXXX Inquiry Company Name : XXXX Date of inquiry : XX/XX/XXXX Inquiry Company Name : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX My identity has been stolen you are hereby put on notice Aggravated Identity Theft pursuant to 18 USC S1028A ( 1 ) IN GENERAL. Whoever, during and In relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law. 15 USC sS 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. YOU XXXX, XXXX, XXXX have aided this fraud by not verifying these accounts. Congress states 15 USC sS 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 1. The following account is due to identity theft Account Name IC SYSTEM INC Account Number : XXXX Please delete this item from my consumer report. 2. The following account is due to identity theft XXXX XXXXXXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 3. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 4. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 5. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. 6. The following account is due to identity theft XXXXL XXXX Account Number : XXXX Please delete this item from my consumer report. 7. The following account is due to identity theft XXXX XXXX XXXX A Account Number : XXXX Please delete this item from my consumer report. 8. The following account is due to identity theft XXXX Account XXXX : XXXX Please delete this item from my consumer report. 9. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please delete this item from my consumer report. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately. I demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subjection, the consumer reporting agency shall ( A ) Disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681 ( d ) of this title ; and Be advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC XXXX Attorney Generals Office in your state and Mine Thank you, XXXX : XXXX XXXX Beneficiary Enclosed : copy of ID, Utility Bill showing proof of address, copy of statement for address proof. FTC Identity theft report with statement of fraudulent accounts/ inquires.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: do not recognize this service was not myself who this service was provided for. my insurance covers all of my medical visits. so this is identity theft. or fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account was deleted after an investigation by the credit bureau and then not a month later was added back onto my credit report under a different collection agency. This was an ongoing headache from XXXX who was over charging me and I tried for XXXX months to get it fixed. They neglected to fix it and hold their end of responsibility. I do not owe this company any amount and would honestly be inclined to sue them myself if this issue isnt resolved soon. I was a great and happy customer for over XXXX years until they unfortunately werent willing to fox the problem they created and it actually resulted in me losing a {$1200.00} device as well as deactivating my account and now Im being charged unfairly. This is theft at an unbelievable level. Please help me fix this issue. Im trying my best to pay up my balance and this issue is hindering me financially from being successful. You can reach me at XXXX. Thank you XXXX bless.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: IC System at XXXX XXXX XXXX XXXX MN XXXX has been hounding me to collect a final bill for my deceased daughter XXXX XXXX XXXX told me with a death certificate and alll equipment returned, there would be no charge for final bill. When IC System since the first collection notice I called XXXX to verify that the death policy was correct. It was confirmed it was. I sent XXXX this information and they continue trying to connect. This time they sent a disconnect notice and verification of the account in a copy of a XXXX bill. I called XXXX again and they have no account under either my name or XXXX nor the address or phone numbers. We have no account with XXXX and havent since she died last year. They also have tried to collect for XXXX XXXX XXXX. I believe they are a predictor company preying on survivors. Please help. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37215
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I.C SYSTEM is in violation of my federally protected rights they using unfair and deceptive debt collection practices and invading my individual privacy which is a violation of 15 usc 1692a. Never had I did or give them consent to have my personally information which is identity theft which make them civilly liable and criminal liable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A