Date Received: 2019-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX services are paid in advance and would recur every XXXX of the month on my account. Termination was requested before the next billing period, XX/XX/XXXX because I was moving to another place where XXXX is not a provider. They charged my account in XX/XX/XXXX regardless XXXX {$140.00} XXXX, said it was for the outstanding balance and after much argument I payed for it. The following month they charged my credit card {$130.00} and then the following after that I was charged {$160.00}. Both of the last transactions were disputed and resolved with the credit card company 's help by XX/XX/XXXX. Months after the debt collectors started harassing me for a debt of {$190.00} as follows : XX/XX/XXXX : XXXX sent Debt collector XXXX collect ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. XX/XX/XXXX XXXX sent Debt collector XXXX XXXX XXXX XXXX. Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. XX/XX/XXXX XXXX sent Debt collector XXXX XXXX ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. XX/XX/XXXX XXXX is now sending a fourth debt collector, I.C. System XXXX XXXX XXXX, making a fourth attempt to collect a debt that is not valid. This time they are asking if I would be willing to pay 65 % of the debt. I feel harassed by XXXX. I've put up with this for almost ( XXXX ) year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A couple years ago I was a victim of identity theft and someone opened up accounts in my name and I noticed the accounts on my credit report and disputed the accounts and they were removed. Recently I noticed that 2 of the accounts that were removed in the past has been resubmitted back on my credit report. The accounts are from XXXX XXXX XXXX for the amount of {$1200.00} and IC Systems Inc {$800.00} both are collection agencies. I have reached out to the credit bureau and have request validation of debt from the companies but and I'm still awaiting for a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Called I.C. System to pinpoint what exactly was owed to XXXX XXXX because the account was paid off. XXXX XXXX received all their equipment and the account was cancelled on XX/XX/2018. I asked what the debt was for, I.C. Systems couldnt tell me what the debt was for. I also let them know we received no bills, so why would it go straight to a collection agency. Again no substantial answer. I thought perhaps there was fraud going on, so I called XX/XX/XXXX and the collections department assured me that we owed nothing and the account was closed. The young man said to go straight to the FTC and report it, it sounds bogus since I.C. System couldnt give any answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: RE : XXXX XXXX, XXXX : On XX/XX/2019 the attached letter and supporting documentation was sent to XXXX XXXX and to date, the business credit report for XXXX XXXX, XXXX has not been updated and/or corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am lodging a formal complaint against ic system. this debt collection company has reported negative info on my credit reports without validating debt. ive sent ic system numerous debt validation letters, but they continue to ignore my request. in addition they are reporting every single month on my XXXX credit report which is a violation of the fcra because they haven't validated the debt with me. the original creditor is a cable company named XXXX and the debt is {$1500.00}. ive never in my life had an account with XXXX. I am requesting this debt that isn't mine be deleted immediately so I can purchase my very first home for my family. thanks for your time!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18018
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company IC Systems is violating my rights under the FDCPA and the FCRA. I have never contracted nor have done any business with them. They are reporting an account # XXXX on my credit report that I have zero idea about. I sent them a letter requesting a copy of an agreement with them that I owe or agreed to pay them with my signature and they have not provided such document. I demand that they cease and desist communication and immediately remove this account from my credit reports or I will proceed with a lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2019, I was sent to collection by XXXX for a debt of {$59.00} to IC Systems for an outstanding phone bill charge. I told them I paid my last phone bill on XX/XX/XXXX to XXXX after leaving the company and I returned my lease device XX/XX/XXXX via XXXX so I didnt owe anything. They placed me on hold and called XXXX directly. They came back and told me it was for a early termination fee, but I told the female rep that my contract doesnt say I would owe a early termination fee, I would just have to pay the phone off in full which I did plus my last bill which was due XX/XX/XXXX. She placed me on another hold and told me it wasnt a late fee but another phone bill. She told me we could settle for {$47.00} that day, so I paid the amount. I kept reiterating to the female rep that the charges were false, but I paid because I didnt want the false reporting to go to all 3 credit bureaus. XXXX recently reimbursed me {$160.00} for the trouble they caused me. I spoke with XXXX XXXX from the Executive and Regulatory Services department of XXXX who granted the reimbursement after receiving my complaint from my states attorney generals office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90602
Submitted Via: Web
Date Sent: 2019-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Was contacted today XX/XX/XXXX by IC Systems. Caller asked for me by name and recited my physical address asking for verification. I asked who was calling & caller responded IC Systems on a personal businesss matter. I replied that I had a prior complaint against IC Systems for harassment and fraudulent collection attempts, ( see complaint XXXX ) and that if this was a collection attempt I intended to file another complaint & initiate a FDCPA compliant as well. Caller stated they would remove my contact information from their files. However, they should have never had my contact information because in XXXX, IC Systems attempted to initiate collection on an illegal & fraudulent debt and agreed to cease and desist all contact after a complaint was filed. This new attempt shows that IC Systems is in fact actively seeking my information with the intention to use it for fraudulent collection attempts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have tried to dispute a cable bill with XXXX because it has been paid XX/XX/XXXX. XXXX has yet to remove this balance. I have tried disputing XX/XX/XXXX and XX/XX/XXXX and both times they claim they have accurate information. I have contacted XXXX XXXX the original creditor and they have indeed confirmed it was paid and sent me the receipt and bill. I also disputed with XXXX and they HAVE removed it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2019-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A