Date Received: 2023-02-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: The I.C. System, INC {$820.00} I dont recognize this company. Also, I have for derogatory checks on my credit all on the same date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all come from one car dealership that said they would not run a credit check on me now is having 4 derogatory checks on my report and XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23237
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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: the collection account is reporting an active payment history and there's no contract between myself & I.C. Systems nor XXXX making it impossible to have a reported payment history as they are not the original creditor. This collections is reporting every month from XX/XX/22 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14228
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022, I C SYSTEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, I C SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94603
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice to Intent to I.C System INC, I received a letter in the mail in regards to a debt. However, during the process of you obtaining or purchasing this account from XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY. During this process, I was an uninformed consumer and FDCPA and FCRA laws were violated. I never gave you consent to obtain nor purchase my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On multiple occasions I have asked the debt collector to send me the informations about the debt because I never received anything about this. I was made aware of this alleged debt when it showed up on my credit report. I called and asked them on two separate occasions ( first week of XXXX and again in XXXX ) to send me the bills, breakdowns, and all pertinent info in order to confirm the debt is mine. They have not sent anything, I put a dispute twice through the credit monitoring system and both times they said that the info was confirmed. How do they confirm the info with the credit reporting agencies and are as of yet to confirm the debt and Info with me directly?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: IC Systems is reporting an inaccurate collection account on my credit reports. I am not familiar with this account and reached out to them to get validation of debt to resolve this issue. I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. This account should be deleted from my account now!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: unknown debt was places on my credit report XX/XX/21. received harassing calls, ruined my credit. please help & remove
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, MY NAME IS XXXX XXXX XXXX. Upon reviewing my credit report I realized that IC SYSTEMS is being reported as a closed/charged off account in the amount of {$980.00}. This is considered cancelled debt and can not be reported on my report. This company has filed this debt on their taxes and its still being reported. I never received a 1099C from IC SYSTEMS. This is a violation of 15 USC 1681eb. I NEVER GAVE PERMISSION FOR MY PERSONAL INFO TO BE SOLD TO ANY COMPANIES. I DO NOT HAVE ANY CONTRACTS WITH IC SYSTEMS, WITH MY SIGNATURE ON IT. IC SYSTEMS SHOULD NOT BE REPORTING ANYTHING ON ME TO THE BUREAUS.THIS IS IDENTITY THEFT. I demand that this inaccurate information be removed from all 3 credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Around XX/XX/XXXX I received a collection notice from I C Systems for service with XXXX XXXX. When I contacted them I was told this was for service XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Service dates : XX/XX/XXXX through XX/XX/XXXX. Email address used was XXXX. Total due is {$600.00} A couple of day later I received a call from XXXX XXXX XXXX. It was for a credit collection for XXXX XXXX address was XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. Service dates were XX/XX/XXXX through XX/XX/XXXX. Emailed address used was XXXX. Total due is {$840.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A