Date Received: 2019-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company XXXX is on my credit report. They have me that I owe them money but I have never had service with them. No bills or anything with this company. None of my addresses have I ever used this cable company or any of their services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2019 I had a phone call with sprint about my phone bill account they sent me to ICS we spoke about an agreement of {$100.00}. a month and it wouldn't go on my credit report I made my first payment on XX/XX/XXXX it comes directly out of my bank account and they didn't take it out til XX/XX/2019 and I just made another one payment on XX/XX/2019 which made 2 payments I'm not the one in the wrong if they waited to take it out of my account so late then he is arguing with me telling me we made a different arrangement amount which isn't true I told him to listen to the recording he said he didn't have to and is telling me I can't keep sending {$100.00}. A month it has to be {$280.00} some dollars if we have to honor an agreement how is it they can change it and make problems for me when I'm trying to do the right thing..thank you if I am in the wrong then I'll fix it but I'm not and I'm making an obligation you pay it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Several collections were added to my credit report that had been removed previously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In the end of XX/XX/XXXX I noticed IC System showed up on my XXXX XXXX Credit Score under XXXX. At that time, I reached out to IC System to inquire about nature of debt. I was informed that the debt is from an XXXX XXXX line between the years of XX/XX/XXXX and XX/XX/XXXX. I communicated to the representative that I am unaware of services I received from XXXX during that time period. I was told to reach out to XXXX for confirmation. Upon reaching out to XXXX I was told that they no longer have any information on accounts and to contact IC System. On XX/XX/XXXX, IC System offered to reduce amount by 50 % to {$110.00}. I reiterated that I still have no knowledge of the account but I wanted to resolve this credit issue and was becoming increasing frustrated and exhausted from length of call without resolution. Out of pure exhaustion and frustration I attempted to pay the amount to get all of this behind me, even though I was still unaware of origin of debt and debt collector reported not having the information. This led to several more hours of attempting payments online and being directed to bank payment sites at the instruction of representative. Outcome of this multiple hour call was a confirmation number from site suggested to go to for payment. I was told I would receive an email to confirm. Weeks later, I still had not received email or confirmation and called back. Representative informed me no payment had been made even though they had a confirmation number they referenced in account. I was informed that I paid XXXX directly and I shouldn't have. I informed IC System I only followed their laborious and confusing instruction. After call ended I checked bank statements to see if payment had been made or not. Charge did not leave my banking account. I feel duped and not even sure this is a legitimate debt collection agency and I am unwilling to pay or settle for a debt I am not aware of and collector can not provide information on. Feeling extremely frustrated and hoping submitting this complaint will provide some resolution and/or shine a light on a fraudulent or incompetent debt collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I.C. SYSTEM has unlawfully attached my Credit File, I.C. SYSTEM has not been awarded a Judgement of Default by any U.S. Court concerning this matter, I.C. SYSTEM has been advised that XXXX XXXX under the guise of Extortion is an unacceptable Business Model, I.C. SYSTEM removed their initial filing from from XXXX, XXXX and XXXX in order to extend the 7 year expiration date and now is seeking to attach each Credit File individually to continue to unlawfully destroy the Credit File and cause financial hardships in the form of increased premium 's and higher interest rates. I.C. SYSTEM is engaged in unscrupulously business practices, which run counter to Public Policy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2019, I received a call from a debt collection regarding a XXXX account that I didn't setup or apply for. This account is fraudulent. I don't recall doing business with XXXX. I never received any bill or proof of verification of bill. No Contract agreement or proof of identify.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I C SYSTEM Last reported XX/XX/2019 {$790.00} Open balance 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: 932XX
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I C Systems Collection agency does not have the right to collect or report on my credit report as a debt owed. I have repeatedly requested XXXX, XXXX and XXXX to remove from my report per the FCRA section 609 immediatly. I have requested an original copy of the signed contract from I C Systems Collection and they have failed to do so. This item remains on my report and is hindering my ability to obtain credit. I demand this be removed from my credit report immediatly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from I.C. System, Inc. in which the letter mentioned is a debt collection agency that XXXX hired. I have never had any sort of cellular service with XXXX in my name. This letter was addressed in my name and came to my address as imprinted on the letter. I believe this company may have potentially mishandled data and is trying to accuse me of a debt in which is not valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2019-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: What they have reported : i was late on a payment & the loan was not paid in full. i was never late on a payment, I paid the full loan balance off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2019-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A