Date Received: 2019-06-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Reporting debt that is incorrect ; not my debt ; and incorrect date of original date. And company reports wrong date debt was incurred by someone other than me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44202
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2019-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: A little over 4 years ago I moved out of an apartment I shared with a room mate. I moved in with my then fiance. He was supposed to get the water bill switched over into his name. A few months later his mother passed away from XXXX and he moved back to Alaska. I have since lost touch with him. He never told me about this and I did not notice this until I opened a XXXX XXXX account a while back. Derogatory mark : Collection Opened XXXX XXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, KY XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2019-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Spoke with XXXX the initial debt holder. Returned equipment and the bill was settled. Spoke with collection agency told them it was settled years ago. Contacted XXXX again and they informed me it was closed and would be removed from credit report. I contacted yhe collection agency and explained to them. Yhey said ot would be removed from my credit report. In addition, this is debt is from XXXX and is very old. I can not understand how they would try to recollect years later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt is not mine. I have managed to remove the debt from XXXX and XXXX. However, XXXX will not allow me to keep disputing the amount. I have tried to tell the company that it is not my debt, but it has become a nightmare.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Around XXXX of 2019 I had a collection placed on my account from a company called XXXX. XXXX reported that they were collecting for XXXX XXXX XXXX. Well after speaking to XXXX corporate office ( XXXX XXXX is no longer open and was bought out by XXXX ) the account was deemed fraudulent and was removed. I've never had XXXX XXXX nor did I authorize anyone to open an account in my name. The account was removed from my credit reports XXXX XXXX. Now a company called IC Systems is reporting the same debt on my credit files. I wasn't even notified before they placed the debt on my credit reports. I spoke to a representative who informed me they have a PO Box on file. I informed her I don't have a PO Box . IC Systems is also reporting the account opened with them XXXX of 2019. That is not even possible because the account with XXXX wasn't removed from my credit reports until XXXX of 2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX, I contacted collection agency IC System Inc., in XXXX XXXX, MN at ( XXXX ) XXXX in reference to a medical collection account for {$55.00} that was not mine, that they had reported to XXXX. I was told by a male representative that the account was in a different department and he immediately transferred me. A female representative rudely answered the phone without giving a name, stating how can I help you. I advised that I was calling about the account that had been on my credit file since 2014 to see if it could be removed. After looking up the account the representative accidentally confirmed that the original account was not mine as she was looking it up. The representative then advised that because the person responsible for the account refused to pay it in 2014, I was responsible because she believed it was my spouse. The representative then asked me if I knew the person who the bill belonged to and began asking me to give updated information for the person who the collection account belonged to. I informed to her that I was not affiliated with that account, did not receive service for that bill and was not responsible for it. I requested that ICS Systems remove the account because the representative was aware that it wasn't mine and she sarcastically told me that they don't remove information, only report it and to contact the Credit Bureaus to remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I C SYSTEMS IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAV AN ACCOUNT ON MY CREDIT REPORT. ACCOUNT # XXXX ACCOUNT # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33563
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted I C Systems about an item they have put on my credit report about owing {$940.00}. This item by Original Creditor : XXXX ILLINOIS, a utility provider in the state of Illinois placed to collections : I C SYSTEMS is inaccurate because I have never lived in the state of ILLINOIS. It first appeared back in 2017 on my credit report under XXXX XXXX with the same amount {$940.00}. I disputed it with XXXX providing all the necessary documentation substantiating my claim and it was removed. Now it has showed up again after 2 years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX & XXXX are not willing to help remove it. To substantiate my claim I am attaching the following documents which I had already sent to XXXX & XXXX Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting I C System several times they have not done anything to remove this incorrect information from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94118
Submitted Via: Web
Date Sent: 2019-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid IC Systems in XX/XX/19 in the amount of {$230.00}. This is still showing as an open account and it needs to be settled and closed ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2019-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A