Date Received: 2019-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: - reported debt as ID theft and was told they were from XXXX XXXX and was told they would remove the account from my records but nothing has been done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2019-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2019 I called to settle a debt on all 3 credit reports. I C System Collections promised to delete the debt on all 3 reporting agencies if I paid the debt in Full. I paid both debts in full and all I received was a letter stating promise to pay or what I C Systems calls a receipt. I have called repeatedly asking for a deletion letter and they refuse to do it after they promised to do so. I paid {$300.00} to remove both debts. I have also asked them repeatedly to remove the medical bills from my credit report because it violates my privacy rights. IC Systems continue to be rude to me when I call after I paid the debt. One debt was {$110.00}, the other was {$180.00} The company reported each debt but I paid them both together. IC Systems Collections XXXX XXXX XXXX XXXX XXXX, MN 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: 281XX
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I C Systems has not and will not provide me verification that this account is mine, I've requested it several times and to no avail. XXXX has removed it from my credit report because they could not verify it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX bill. I have disputed with the credit bureau, XXXX, and the collection agency. I was never contacted before this debt collector destroyed my credit! I never had a chance to prove that this is not my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2019, I.c. System inc reported a {$180.00} medical bill to XXXX claiming that I owe that debt. On XX/XX/2019, just a few days later, I.c. System inc reported the same amount again. On XX/XX/2019 and XX/XX/2019 I.c. System inc again reported the same {$180.00}. Now again on XX/XX/2019 and XX/XX/2019 I.c Systems Inc reported the same amount of {$180.00} yet again. They also reported the same debt to XXXX in XX/XX/2019 and XX/XX/2019 for the same {$180.00}. Upon speaking to I.c System inc they claimed that the debt was building interest and accumulating an amount because XXXX XXXX kept adding things to the bill. I informed them at that time that I do not own that debt nor do I know of them or the XXXX XXXX. I then requested for them to stop contacting me by phone or otherwise and to stop hitting my credit and to especially stop doing it multiple times. They have a robocall system that will contact you from different numbers. They are a complete and utter harassment. And what they are doing is illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I.C. SYSTEM, INC is reporting an account on my credit report with XXXX XXXX XXXX by three different names with different information on each report. This account reporting states a {$920.00} collection account however I do not have knowledge of signing an agreement with terms and conditions with I.C. SYSTEM, INC. According to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. In summary I.C. SYSTEM, INC has not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This company additionally is not licensed although the state of California requires a debt collection agency to be registered and licensed in order to do business within this state. I have contacted this business providing the facts stated here but at this time the company is still reporting inaccurate information and will not respond to the demand of removal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Last year this was taken off of my credit report because it was False and I had to get consumer finance to contact them. They have now went through another collection agency to try and get money from me that I DID NOT USE THEIR SERVICES!! This needs to be removed from my credit ASAP since it is not mine and they are being nasty about it. Someone used my address and information to have phones sent to a address that we no longer lived at and the old landlord brought me a box that was sent back to them which the receipt is attached below, I am LIVID. I C System Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. Balance {$1200.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error? DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In 2014 XXXX XXXX claim they were not paid by my insurance company I have great insurance thru my wife XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX insurance.My insurance company says it was paid back in 2014 advocate says no my insurance said just ignore them they have done this b4 but they wont take it off by credit report, I have had it up to here with them they are very nasty people. I appreciate it if you could help me in this matter. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08037
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They are attempting collect a utility debt on a house that I no longer own. I told them the house was tax foreclosed on over 5yrs ago. I believe the tenant left the bill after squatting in the house after it was foreclosed on. They said that I was still responsible even though the City of XXXX took ownership of the property while preparing for a tax sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Today on XX/XX/XXXX, I received a phone call from IC System stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XXXX XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to XXXX XXXX and I called to verify with them and it was indeed paid. I feel like this may be a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A