Date Received: 2021-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: You are in direct violation of several sections of 15 USC 1681. Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ). Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( 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 written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately. Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. I demand that you remove the following accounts : I C System ( XXXX XXXX XXXX Opened : XX/XX/2020 2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN FRAUDULENT MEDICAL SDERVICES FROM YOU. THE FOLLOWING ACCOUNTS WERE FRAUDUENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2019 XXXX. XXXX I HAVE ENCLOSED MY POLICE REPORT, ID AND SOCIAL SECURITY CARD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I C Systems placed a collections and theres 0 information on it. There has to be an error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021, I received a notification from one of the 3 major credit bureaus that a collections company known as IC Systems INC has reported a negative tradeline for the amount of {$590.00} owed to original creditor : XXXX XXXX XXXX. After researching the original creditor, I see that its a company for a pet membership. I DO NOT HAVE OR OWN ANY PETS!! The collections agency, IC Systems INC has not even tried to contact me via letter to inform me of this alleged debt. IC systems INC did not go through the appropriate procedure regarding verifying the accuracy of this debt. Why would such a debt even exist because I do not own and have never owned a pet. I am beyond confused and shocked and need this negative trade line deleted from all credit bureaus to which they report to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06106
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX I went to the XXXX store to find out about their monthly plans. The salesman was pushy and aggressive. I repeatedly told him I did not want to sign up and left the store empty handed. I did not receive any phones. Two months later in XX/XX/XXXX I started receiving a XXXX bill. I called them and told them I Didnt get any phones. I was told that they verified I had in fact not gotten any phones and they would close the account and I would not get any more bills. In XX/XX/XXXX I saw XXXX on my credit report for XXXX so again I called them. They said that no I did not get the phones and they took it off my credit report for 6 months. Then in XX/XX/XXXX it was back on my credit report. I repeatedly called XXXX and every time was told that no I Didnt get any phone and they would get it off my report. The most recent time was XX/XX/XXXX. XXXX is very aware of the fact I Didnt get any phones and refuses to take this off my report for good. They say they will and they dont.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98223
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: in XXXX. 2018, I returned both phones to sender within 60 days return dates of purchase. When phones were returned and mailed to their warehouse. account ending in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55104
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was incarcerated so I couldn't pay bill. People in home was still using in my name. 2013 was the year o service. The amount is {$2400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a bad collection acct showing on my credit file that does not belong to me. I tried disputing in but the acct was not taken off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: When COVID started in 2020, I was unaware that XXXX had inaccurate banking information for me. They sent letters of notice to a wrong address, so I had zero knowledge that my payments weren't going through. When I saw my account was inactive, I tried calling via phone but could not get through to anyone. I tried emailing, but I was told to call. I called multiple times, was left on hold, received a voicemail box where I left a message, or received an automated message saying to call back during business hours. I emailed multiple times explaining I was unsuccessful in getting through to anyone and that my working hours interfered with the times available for me to call. I asked them to call me directly via email since I was not able to get in touch on the phone, but I never received a call back. I received a letter in the mail from a debt collector stating I owe {$470.00}. I tried disputing this, but they sent another letter claiming the charges are valid. I am looking at the list of charges sent, and I do not believe this is accurate. I had paid a {$50.00} membership fee and it shows that 2 payments were successful at {$45.00} each, totally {$90.00}. It shows my total charges of services received totals {$370.00}. {$370.00} - {$90.00} - {$50.00} = {$220.00}. I am no longer with this bank, so I can not access my records to verify that the other charges did fail, but I am willing to pay the {$220.00} since I was provided with the breakdown of charges from the debt collector, but I do not agree to pay {$470.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A