Date Received: 2019-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive disputed this debt so many times until I dont know what else I need to do. Im not paying are settling the debt because I didnt create this debt. It very mind blown that people like me try to do the right thing and still be victims to violation like this. Ive asked this company for prof that this is my debt They so not respond back. So I really do hope that my voice and credit report is heard today. For the 100th times THIS IS NOT MY ACCOUNT. I DO NOT OWE XXXX no money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29710
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is an an address on 2 of my credit reporting company reports *XXXX and XXXX* with an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX, which I've never heard or nor have i ever lived there. I'm also dealing with a company called I.C. Systems, a debt collection agency working on behalf of XXXX XXXX- They say that I opened an account in XX/XX/18 with them but that's impossible, since I've lived with my parents over the last 8 years at XXXX XXXX, XXXX, NY XXXX and XXXX XXXX XXXX, XXXX, NY XXXX and there was never any XXXX XXXX service and they weren't even my personal homes- It seems as though either they have a mistaken identity problem of someone that has resided or used that address in XXXX XXXX, NY or they have made a serious mistake and falsely have me as opening a XXXX XXXX account -The debt collection company is now called I.C. Systems and they have the wrong person and they have ruined my credit score and they would need to show proof that their was an account opened on the day they set on both XXXX and XXXX that I am liable for an account that I never opened and I have yet to see any proof from them indicating such- I would like to see paperwork/documents of me opening an account with XXXX XXXX on the date they have given of XX/XX/18, that I never even opened! Either they have made a terrible mistake and need to correct it immediately by taking my name and information off that account or someone else has used my personal info and their is a data breach or mistaken/taken identity here and this could be fraud! I ask, you that you please look into this further! thank you-XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In the months of XXXX and XXXX of last year Ive reported this fraudulent account to XXXX and the FTC only to find out it has reappeared but with a different creditor. Ive had XXXX delete it from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70454
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I.C SYSTEMS HAS AN ACCOUNT ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I moved into a home that did not have any current land lines running in the house, so I called XXXX XXXX XXXX and set up an account to have a home phone line. They were going to come out to actually install phone lines on the property so that we could have a land line home phone. They never came and put the lines on the property. I never had a phone set up to use. I was however sent a bill for the first day months service as if I did get a line set up and used. I call XXXX XXXX XXXX 10 times trying to resolve the issues and then they sent me another bill and I still didnt have the service they were charging me for. And I never had a land line or used any of the XXXX XXXX XXXX services I was being g billed for. I canceled the account with XXXX XXXX XXXX and never looked back, until, a couple years later, 5years, I get this app called XXXX XXXX, and see that I have an account that has been sent to collections. I was unaware of this and now I need it fixed because its not my debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 790XX
Submitted Via: Web
Date Sent: 2019-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received debt collection in the mail from a debt collector for a utility company that we never had an account with. I called the utility company to see if the account was valid and it was not. They said dont even use that debt collection agency. I called the debt collector back and they kept transferring my call and giving me the run around when I told them the account is invalid and that I never had an account with the utility company. According to the debt collection letter they sent me in the mail it will go on my credit report if not resolved within 30 business days. I just want to get this cleared up and to stop these fraudulent people for taking money from myself or anyone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 729XX
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX every year attempts to collect money from me. XXXX XXXX XXXX/ I settled thru the Attorney General of Virginia on XX/XX/XXXX . They use I.C. System to collect this fictitious debt. I always contest the debt but they still try to collect.
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: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by I.C. Systems Collection by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019. To date, I.C. Systems Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I gave birth to my daughter, XXXX, in an in-network hospital in XXXX, MD. I have insurance through XXXX. On XX/XX/XXXX and XX/XX/XXXX, XXXX was briefly seen by the hospital pediatric nurse practitioner, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ( My regular pediatrican did not have rights at that hospital so we had to use the hospital 's contracted pediatrician. ) On XXXX XXXX, XXXX, XXXX sent me a letter with their fully requested bill of {$1100.00} asking for assistance in getting my insurance to pay them. I forwarded this information to XXXX. On XXXX XXXX, XXXX, XXXX paid XXXX XXXX a total of {$590.00}, which represented their in-network, 'reasonable and customary ' rates for the pediatrician services. I received a XXXX and an Explanation of Benefits to this effect, clearly stating that " We have arranged discounted rates with this provider. Your provider should not bill you for [ the balance ], it is a discount you receive by being a member of this plan ; '' and that my financial responsibility was {$0.00}. On XXXX XXXX, XXXX, XXXX sent XXXX and copied me on a letter asking again to be paid for their full amount of {$1100.00}. On that same day, XXXX XXXX, XXXX, XXXX sent me a bill for the remaining {$580.00} with a statement that " your insurance carrier advises the balance is your responsibility, '' which was misleading and patently untrue. They also sent me a letter to notify me of their appeal to XXXX and noted that " regardless of the outcome of the appeal, you will need to pay your co-insurance and deductibles. '' For this particular service, that was {$0.00}. On XXXX XXXX, XXXX, XXXX sent XXXX a letter in response to their appeal, upholding their original decision to pay a total of {$590.00}, adhering to their reasonable and customary rates. I did not hear anything further from either XXXX or XXXX about the matter for some months and had considered it closed. On XX/XX/XXXX, I received a letter from IC System , Inc, whom XXXX had hired for bill collection. They attempted to collect the {$580.00} that XXXX still wanted ( despite it being above reasonable and customary rates for these services ) and notified me that i had 30 days to dispute the charge before they would contact credit bureaus. I had been out of town when the letter arrived, so upon receiving it, I sent a letter on XXXX XXXX, XXXX ( postmarked XX/XX/XXXX ) to IC System disputing the debt, explaining the circumstances, and attaching a copy of the Claim from XXXX showing that my responsibility was {$0.00}. I sent a copy to XXXX by mail as well as to XXXX, online. On XXXX XXXX, XXXX, in response to my correspondence, XXXX told me via secure email that they would re-review, yet again, the claim from XXXX XXXX. That is between XXXX and XXXX ( personally, the reasonable and customary rate payment already made on XXXX of {$590.00} seemed appropriate to me ; but that is between them ). XXXX also attempted to contact IC System on my behalf but were denied, with IC System saying they needed my permission. I called IC System on XXXX XXXX, XXXX and disputed the claim again via phone while I waited for the mail to arrive. I also gave IC System my permission for them to speak with XXXX. I believe IC System and XXXX spoke on or about XX/XX/XXXX but I do not know what was said. I called IC System again on XXXX XXXX, XXXX and asked for an update but they said they had not yet processed my letter ( sent one week prior ). This is where things stand today. In sum : I owe {$0.00} to XXXX and therefore {$0.00} to IC System. XXXX was incorrect to hire IC System to collect this amount in the first place and IC System was incorrect to pursue it. I additionally wish to note that I believe Maryland, where I reside and where the XXXX XXXX were provided, has outlawed balance billing for situations where there is an in-network facility and an out-of-network provider ( as happened in this situation ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A