Date Received: 2019-06-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : Due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please 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 { 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 a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 to bring 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 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 listing any information with 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 accurate. If your company 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any 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 your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act. 1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i informed the company that this is not my account. Fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I C system is a collection for XXXX XXXX.I lived in XXXX, texas XXXX XX/XX/2016 I XXXX with XXXX and moved to XXXX, texas this is my present home.upon moving here in XX/XX/2016 XXXX XXXX was NOT available in my location!!! I then called the cable company and had cable tv installed.I am on a collection {$320.00} for not continuing my service with XXXX??!! I had this collection removed from my credit report two years ago but now I C Systems a new collection company once again placed this derogatory information in my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have an outstanding balance at XXXX XXXX. They reported me as delinquent to a credit bureau early last year but then removed it from my credit report. Removing the delinquent amount bumped up my credit score. IC systems ( I guess ) bought the delinquent credit from XXXX XXXX and reported it as " for collection '' on XX/XX/2019. I believe they are trying to " re-age '' this delinquent balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: During the month ofXX/XX/2019 through initial days ofXX/XX/2019, IC Systems Intl , Inc, has refuted disputes, I filed specifically with XXXX to request they ( IC Systems Intl , Inc ) produce any evidence supporting that their reporting to XXXX is valid. I did not retain XXXX XXXX XXXX, service ( s ) at any point. I am XXXX and receive XXXX. XXXX has not resolved this issue. The only reason, I have not filed suit and a Motion to Compel, removal of this falsehood, is because, I am uncertain where to serve the reporting agency with a Duces Tecum subpoena included. Please interceded. I requested in XX/XX/2019, from IC Systems , Inc, any proof of a contract or service and type of service. The only repetitive statement, they have to substantiate this false alleged debt is that it matches my social security number. This disparity in reporting has had a substantial adverse effect on me psychologically, physically and financially. No legal basis exists for any contract in this case. I have not hired or requested any products from the agency IC Systems Intl , Inc, bought this issue from ( XXXX XXXX ). I am on public assistance and XXXX with very restricted financial services to challenge the falsehood this company asserts against me. Thank you for your, time, courtesies and efforts in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: check my 3 credit reports today. and seen collection account from I C System INC. Never had account with this company, never got a letter in the mail or nothing. But it show up on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My ex wife and I were going through the divorce process in XXXX, XXXX my ex wife asked XXXX XXXX to transfer her number to her own plan so that she could pay it. We contacted XXXX Customer Service and had her removed from my account and she gave them her social security number and they created her own account for her. I had no access to payment information or anything for her account. I was assured by customer service that I was not responsible anymore if she missed a payment. She had set up her own account. On XX/XX/XXXX I received a credit alert that I was sent to collections for {$500.00} that she did not pay. I called XXXX XXXX and they said that they had put her on a sub-account under my name and that I was legally responsible and that she wasnt responsible. I then called the collection agency and they had my ex wifes address on file and that she wasnt liable for the collection of the debt, only I was. We have been divorced officially since XX/XX/2019. I can not understand how I am liable for my ex wifes debt when I did nothing wrong. XXXX XXXX put it wrong in their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has reported a debt belonging to XXXX XXXX originating in XX/XX/2018. I have not had any business with XXXX/ XXXX XXXX in the last 8 years. I have reported this account as fraud if it falls in the timeline they have provided. Additionally I did have my wallet stolen and charges were pressed against a women who had been representing be me. That have not provided any proof that I accrued this debt. I have not subscribed to any cable or satellite services in 8 years and I have been an exclusive XXXX customer for 15 years. I believe they may have purchased very old debt that has passed the statute of limitations and are representing it as a new debt.
Company Response: Company disputes the facts presented in the complaint
State: UT
Zip: 84094
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX shows on XXXX. It is the amount of {$220.00}. I called them. Agent said there is no record in their system of this charge. Supposedly it was established in XXXX. The address was my deceased Mother 's address who passed in XXXX. I have never used a pest control service. I need this to be removed from my credit. According to her none of this was in her system. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A