Date Received: 2023-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: When I received the letter from IC Systems, I called the number provided and I was met with a message saying that this company is not taking my calls. This is a debt from XXXX that I've been disputing and filed a claim back in XXXX from another collection company tryin to collect on this. This company is also reporting incorrect time of debit as well as reporting this as new. This was placed in collection back in XXXX of XXXX and IC Systems is reporting this as XX/XX/XXXX as being a new debit. XXXX keeps passing this along when I dispute this claim and this company is falsely reporting this as a new debit. Below is when this was first on my account and I filed a claim on this company Date Reported : XXXX XXXX, XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, on XX/XX/XXXX I was notified by a potential company that I was obtaining a loan from that I had a collection on my credit report. I proceeded to check my credit and notice that IC SYSTEM the debt collection agency for XXXX XXXX placed a {$460.00} collection on my credit. The account was opened fraudulent on XX/XX/XXXX and closed on XX/XX/XXXX. I DID NOT OPEN A CELL PHONE WITH THIS COMPANY. I LIVE IN GEORGIA AND THIS COMPANY DOES NOT OPERATE IN MY STATE. I HAVE AND HAD PHONE SERVICE WITH ANOTHER PROVIDER FOR YEARS. THIS FRAUDULENT ACCOUNT IS HARMING MY FAMILY AND MYSELF. I HAVE REPORTED THIS FRAUD TO THE FTC ( report # XXXX ), the XXXX, AND THE ATTORNEY GENERAL. THIS IS PREVENTING ME FROM MOVING FORWARD WITH MY LOAN PROCESS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and wilful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001 Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization-used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being investigated by the FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XX/XX/2022 I have no business with this company. I have never signed a contract with them and have never had any communication with this business. And they apply this collection to my credit. I have spoken to I.C. Systems, and they have told me that XXXX XXXX XXXX had made a collection against me under a name I do not use or have never used. They stole my information, found my date of birth, and applied it to my credit. GOLD DRAFTING Service I have never done any business with them, signed a contract with them, or spoken to them ; they took false information and gave it to XXXX. XXXX, XXXX, and applied the false amount to my credit. I.C. System, INC and XXXX XXXX XXXX committed Identity Theif against me and put a collection amount on my credit. That I don't owe. This must be looked into so this doesn't happen to anyone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77523
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer 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: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a statement by XXXX mail from I.C. SYSTEM INC. XXXX XXXX XXXX XXXX XXXX, MN XXXX, I.C. System XXXX XXXX : XXXX ; account no : XXXX. XXXX, " We are trying to collect a debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. '' The debt amount is {$5.00} owed as of XX/XX/XXXX, according to this statement. They list XXXX XXXX as the " original creditor, '' at XXXX XXXX XXXX XXXX MD XXXX. Again, I have contacted XXXX XXXX and they reassured me that this debt is not owed, and suggested it might be a sca I have contacted XXXX XXXX via my account to verify and confirm that I do NOT have any outstanding debt with XXXX XXXX. I have also combed through my XXXX XXXX statements back to XXXX of XXXX looking for any {$5.00} charge within the billing statements and found no reference to this amount. With this in mind, I am asking for your help. I am very hesitant to respond to this company. I think this XXXX be a fraudulent attempt at my identity or a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a letter in the mail from IC System , Inc. on XX/XX/XXXX regarding a debt owed to XXXX XXXX for {$650.00}. Debt is allegedly from XX/XX/XXXX. I have never had XXXX services in my life, nor has anyone in my household. I have proof of me having service with different providers the whole time. XXXX was able to confirm this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90602
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I was sent a medical bill from XXXXXXXX XXXX in the amount of {$470.00}. On XX/XX/XXXX I was sent an email from that same practice that the bill would be reported to credit bureaus with interested. The amount of {$530.00} was sent to IC Systems for collections and has been reported to all 3 credit bureaus. My problem is 1 ) I was never given an itemized receipt of the charges and 2 ) it is illegal to charge interest on medical debt. I would like to have an itemized list of charges and the correct amount reflecting. Furthermore it should not be on my credit report because the actual charge is below {$500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was approached by a sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I agreed to XXXX year of XXXX service. Sales person wanted to put me on monthly plan- to which I said no. Instead I told him that I will pre-pay for the whole year by check, since i do not trust companies withdrawing money from my bank account or charging my credit card. He agreed and I paid by XXXX XXXX check {$710.00} for the full year. I specifically told him and noted in the memo of my check that I was committing for XXXX year only. What I realized recently ( perhaps XXXX ) by looking at the monthly statement - that money was being withdrawn by some company every month that I did not recognize. When I called XXXX XXXX as to who or why authorized those transactions, they could not answer but were kind enough to put a stop to any further withdrawals. I could only guess that this must be related to XXXX. Now I got a letter from I.C. System Inc to collect on debt for XXXX # XXXX. So my question is how can any company setup an automatic withdrawal without explicit authorization - XXXX seems to have fraudulently used my check to set this up XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.C. System Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX of 2023. I contacted the debt collector. I stated that it was not my debt. I have never owned anything from XXXX so I should not have any collection. I stated the collection was not mine. On XX/XX/XXXX of 2023, the collection was updated only to say I have not paid the debt since XXXX of 2023. This is not my debt. This is unknown to me. I need this taken off of my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A