Date Received: 2019-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: IC SYSTEM ( 11 XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A collection account from IC systems has been reported on my XXXX and XXXX credit report on behalf of XXXX XXXX, however I have previously disputed a different collection agency attempt and had it successfully removed from my credit report because the debt is not mines and could not be verified per the 3 credit bureaus. IC systems is also in violation for failing to inform me in writing that they were attempting to collect a debit and allowing me time to formally respond in writing if the debt was actually a debt that i owed. Therefore i request that this account be immediately removed from my XXXX and XXXX credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX a delinquint XXXX account hit my credit report. I have never been a customer of XXXX. I contacted XXXX and they were very unhelpful, hung up on me multiple times. I froze my credit, filed the fraud report with all of the major credit bureaus, filed a fraud report with XXXX ( no response ), and filed a police report. After I explained all of this to the debt collection agency ( XXXX ) they agreed that I was a victim of identity theft and said they would cancel the debt. The major credit bureaus agreed and removed the debt from my credit report. Fast forward to XX/XX/XXXX and the same delinquent account shows up on my credit report, this time the collections agency is XXXX XXXX. XXXX had tried to collect the debt of an identify theft victim! A quick call to XXXX XXXX and the major credit bureaus and it was again erased from my credit report. Today, XX/XX/XXXX. I receive a letter now from IC Systems saying they will put the SAME XXXX DELINQUENT ACCOUNT on my credit report if I don't prove to them it's not my debt within 30 days. After filling out the complaint online it just sends me to XXXX antiquated fraud form that falls on deaf ears. This is clearly harassment by a major corporation of an identity theft victim!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: IC SYSTEMS INC PHONED ME ONCE SEVERAL MONTHS AGO IN AN ATTEMPT TO COLLECT A DEBT OWED TO XXXX PHONE COMPANY. I ASKED THE IC SYSTEMS REPRESENTATIVE TO SEND ME A VERIFICATION OF THE DEBT AND TO ONLY CONTACT ME VIA WRITING. THEY NEVER PROVIDED ME WITH ANYTHING REGARDING THIS AND HAVE PLACED THIS ON MY CREDIT FILE AS A COLLECTION ACCOUNT. TODAY XX/XX/2019 I WAS CONTACTED BY AN XXXX XXXX XXXX REGARDING THIS AND WAS TOLD THAT THEY HAD RECEIVED MY FILE. I ASKED THEM TO SEND ME A VERIFICATION OF THIS DEBT AND WAS PROMISED TO RECEIVE THIS IN 7-10 DAYS. I WILL MAKE ARRANGEMENTS WITH THEM IS EVERYTHING IS ACCURATE AND VERIFIED BUT IC SYSTEMS HAS BEEN WILLFULLY NEGLIGENT IN THEIR REPORTING AND COLLECTION PRACTICES. UNDER SECTION 616 AND 617 OF THE FCRA THIS COULD LEAD TO MONETARY DAMAGES TO THEIR AGENCY. I AM REQUESTING THIS INFORMATION BE REMOVED FROM MY CREDIT FILE AS I HAVE NOT BEEN UNWILLING TO PAY THIS I JUST HAVE NOT RECEIVED ANY VERIFICATION AS REQUIRED BY LAW WHEN REQUESTED. IC SYSTEMS CONTACT INFO IS XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I C System Inc. formally XXXX XXXX XXXX XXXX XXXX states that I owe them XXXX. I do not owe them any money at all. I told them to cancel XXXX XXXX and the account and they did cancel it and they still charged me XXXX which they say that I owed them which I never did.I told them I did not owe them any money and they said I did. I do not owe them any money and will not pay them. They constantly were going against their word and constantly charging me money I did not owe them. I cancelled the account and they continue to report on my credit history. I do not owe them anything. Take this illegal reporting of my credit off my credit report. It is being reported twice by I C System INC and XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83607
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Not enough information to very debt : In XXXX, XXXX and XXXX of 2019 I requested that IC SYSTEMS INC verify a debt according to the FCRA section 609 ( a ) ( 1 ) ( A ) -through the physical verification of an original signed consumer contract for an alleged debt of $ XXXX.So far they have only responded with verified as accurate but have failed to produce the documents required under the FCRA. By continuing to do so they have caused severe damage to my credit, and my next course of action is to take legal matters with the courts which I am entitled to under the FCRA and according to the FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern : This letter is sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your office to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Best Regards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an account on my credit from I C SYSTEMS COLLECTIONS # XXXX in the amount of { {$1400.00} } This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is being sent to you in response to your intent to collect a debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collections Practices Act, 15 USC 1692 SEC. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the Statue of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletions request shall be sent to me immediately. I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX XXXX CC : Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX CC : XXXX XXXX, Florida Attorney General XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: HIPAA Violation : In XXXX, XXXX and XXXX of 2019 I requested that IC SYSTEMS INC verify this debt according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract to which they have repeatedly violated and continue to do so. I also recently requested they provide proof under the FAIR DEBT COLLECTION PRACTICES ACT proof of HIPAA Authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A