Date Received: 2019-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I clearly asked ic systems if they report to my credit as this loan has not been on my credit since XX/XX/XXXX. I was advise they IC systems does not report to credit. I clearly stated I am willing to work with this month if they do not report to credit. If they die I can not work with them until XXXX. The rep stated IC systems does no report to credit as they legally do not own my debt. Following this I was advise if I did not make a payment this month my loan would become a lawsuits against me. I just started a new job and can not afford anything until XXXX. They pushed me into a payment this month. I find it unlawful and misrepresentation as I was told they legally can not report to my credit due to not owning my loan. As of XX/XX/XXXX my credit went down 18 points as they did in fact report to my credit. I read reviews today XX/XX/XXXX that show other people were mislead as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90713
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had an account with XXXX XXXX for XXXX XXXX. Long story short. I did not use them at my new address and they charged my account for an early cancellation fee in XXXX.In XXXX I went to their website and chatted with one of their reps. He waved the Cancellation fee and told me that it would be taken off my account. In XXXX I checked my credit report and it was on there anyway. So I tried to explain everything again to XXXX XXXX and got nowhere. I told them that I have the chat response of the customer service rep that said that the fee was waved and would not be on my account. Still I got nowhere with them.. XXXX XXXX is refusing to take it off. Which I don't understand. I was just rejected by them on XXXX XXXX. Even after they read what the customer service rep wrote.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This complaint is for and against IC System # ********XXXX I was XXXX customer until XXXX. After using XXXX for over three years, XXXX starter to increased my rate when renewing contract, XXXX was charging me with taxes and for items I was never advised of therefor I had to terminate my contract with XXXX. I called XXXX customer service asked them to change my plan or to reduce my rate or modify my contract. I asked for my deposit I gave XXXX in order to get their service they said that did not qualify for the deposit to be returned because I did not make my payments on time for 12 month straight without being late therefore XXXX keep my deposit. I asked XXXX to submit my last bill to my chapter XXXX payment plan but XXXX never did, all of this happened in XXXX. after I called XXXX and asked them again to submit my last bill statement to my chapter XXXX bankruptcy XXXX never contacted me again. four years has passed now after last contact with XXXX I have being discharged now and XXXX and IC System have retaliated against me by sending or reporting this " non paid fees '' to all three national credit bureaus ( XXXX, XXXX and XXXX ) I have called two of these credit bureaus and they advised me that XXXX started to report this " non paid fees '' to the credit bureaus a month after my bankruptcy discharged month of XX/XX/XXXX. IC System started calling me every day the first week of XX/XX/XXXX. IC System approach me by asking to verify my name and address I asked IC System not to call me again if they were not willing to disclose the reason of calling me, and I also advised them that I didnt trust collecting calls over the phone, and to send anything over the mail. Now I have received a letter from IC System, and because of this letter I learned what is described above this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX breach has caused two items on my credit report to be inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77627
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and I discovered that a fraudulent account that was permanently removed and blocked has reappeared on my report as a collection as well as fraudulent inquiries. I would like these items to be permanently removed and blocked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: WE are not sure what this debt is or who its for or where it came from. It has been cleared from my credit report then reappears then I get it cleared then it reappears.. Its IC systems this time in the past it was XXXX XXXX XXXX prior to that another collection agency they just keep selling it reporting it so on. They all demand money then offer want discounted settlements 80 % 90 % discount Its a fraudulent account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: The company IC System sent me a notice of a debt, I disputed and asked them to no longer contact me. The company totally ignored the law and sent me another letter that included a Driver License that violates the privacy act of sharing private/protected information with third parties. My complaint is the company deliberately ignored and broke the law by sending me a letter after I clearly stated in writing to no longer contact me. They also included protected information that should not have been shared with third parties. I have the letter as proof. Please help me for I am concerned they will continue to harass me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2019 an IC SYSTEMS posted a default cable debt of {$920.00} in another city in TEXAS that I've never lived. Someone has my social and name and is opening CABLE accounts. you can check my credit and personal records- I'VE ALWAYS LIVED IN THE SAME HOUSE FOR 17 YEARS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I found out tonight that there is a blemish on my credit report for a debt in collections. I never heard of this collection agency, who claim I owe a debt to a cable company, XXXX. XXXX did quote me a cost, two years ago, then raised the cost without my knowledge, added “late fees”, and continued to be a problem over-charging me to amounts I never agreed to. I made many calls to attempt to get this corrected, to no avail.I discontinued the cable service over a year ago, as I recall.The cable co is deceitful, and so is this collection agency who nevet contacted me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A