Date Received: 2018-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from XXXX XXXX XXXX with an open date of XX/XX/2018. I did not open an account with XXXX XXXX XXXX or any original creditor. The original creditor listed does not provide services in my city or state. This Debt was disputed and removed from XXXX approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company I C SYSTEM INC sold it to another collection company after it could not be validated. This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28110
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i HAD MEDICAID /access I was on PUBLIC ASSISTANCE AND HAD MEDICAID INSURANCE I C SYSTEM Last reported : XX/XX/XXXX {$460.00} Needs Attention Overview You've paid off 0 % of your collection amount. Balance {$460.00} Highest Balance {$460.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX See an error? DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. CHECK DISPUTE STATUS Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2018-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Two accounts on my report were determined invalid previously in the amount of {$310.00} and {$310.00}. They have been reinserted illegally without written or any form of notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33967
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I submitted to the company that I denied the debts and any portion thereof they responded with another collection notice and a bill from the original debtor stating that I had a XXXX balance and the charges of the XXXX had been paid yet when I called them to inquire as to why they were still collecting on a debt that had a XXXX balance they refused to allow me to speak to a supervisor and hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 107XX
Submitted Via: Web
Date Sent: 2018-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX Reported an amount of XXXX balance owed. XX/XX/XXXX I went to care facility XXXX XXXX XXXX fl XXXX I went because XXXX Hospital advised me to go to XXXXXXXX XXXX in XX/XX/XXXX. As I did not have an emergency from a vehicle tap incident on XX/XX/XXXX I told XXXX XXXX that I was feeling XXXX from tapping a vehicle at 5 miles an hour at a light, as the passenger was 5 months XXXX. I paid XXXX XXXX a XXXX, co payment, gave them my XXXX insur info and county coverage id card for XXXX insurance. In XX/XX/XXXX, 2nd comract, XXXX XXXX XXXX calls me to say I owe XXXX. I asked her to send me the bill saying what insurance paid or didnt pay to reflect balance. XXXX stated they sent it, and If I don't pay its going to the credit bureau. I reminded her to send me an email, that I am not going to give anyone a cc card over the phone without documentation. I asked her why there is even a balance as I have a secondary insur which pays 80 %. XXXX said XXXX XXXX policy is not to Bill 2nd insur. I reminded her that the state of Fl bills all insur and can seek remedy for outstanding monies after all insurance have paid their portion. I did not have injuries the date of XXXX. Only after a week did I go to hospital to ask to be seen for follow up. XXXX Hospital south advised to go to XXXX XXXX because I did not have an emergency injury or primary Dr . In XX/XX/XXXX XXXX XXXX XXXX collection agency contacts me to pay XXXX I told them same info. Not paying anyone anything without an email with backup on what amounts if any, were not paid by insurance from XXXX submission. I called XXXX and they confirmed they never recvd any claim. I told XXXX I will pay any bill I owe, but not without proper protocol. XXXX said they do not have any info on my acct, only whats owed and due, due to hippa law, they couldn't tell me even if they had info, I asked what do invoices with codes have to due with personal health info. XXXX said they will return file to XXXX XXXX for update and close file until XXXX XXXX updates. I will pay all my debts if procedures are followed, but not pay with our proper insurance of all insurance on file being billed accordingly. So far credit bureaus showing 1 of 3 bureaus as closed, but all gave XXXX amounts owed. This collection account is not accurate as reported, and is damaging my score and profile.
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: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Debt Collection Company IC Systems has recently reported to my XXXX XXXX Credit Report That there is an unpaid debt to XXXXXXXX XXXX. They are showing the account was opened on XX/XX/XXXX and last reported to the Credit as in collection as of XX/XX/XXXX. I have contacted them collection company and requested validation of this debt. I have also contacted XXXX XXXX who informed me that this account was Closed on XX/XX/XXXX, making this debt over 5 years old and 1 year past the statue of limitations in the State of Texas, however IC systems has " re-aged '' this debt in order to report it to the credit Bureau I have also asked XXXX XXXX for Notification of attempts to collect any debt from XXXX and they will not provide anything. Never has XXXX XXXX to my knowledge ever reported any collection on any of my Credit in the last 5 years until IC Systems took over the collection agency as of XX/XX/XXXX. I have disputed this debt as I have no recollection of owing any money to XXXX XXXX in which they say is " unpaid programing '' and " early termination '' fees that they will not provide any documentation on and to my knowledge never obtained or reported any collection activity on my credit until now. With IC systems reporting this 5 year old " Debt '' and " re-aging '' it to a 2 month old debt, this has drastically negatively impacted my credit score do to their Illegal reporting practice of " RE-Aging '' the debt. So when a lender looks at my credit for any type of loan purpose they will see a new collection that is 2 months old negatively impacting my ability to extend or receive new credit. I am not sure how a company can just out of no where start reporting a Debt that is over the statue of Limitations as well as reporting the incorrect dates of the said debt. I need your help in removing this off of my credit. I fear that If I make any attempts to make any payments on this 5 year old account, it will reopen the statue of limitations and reporting limits of the Debt. So with them reporting this debt as of XXXX it will now stay on my credit until the year XXXX instead of dropping off 7 years past the original date of the said debt. I have also disputed these charges with XXXX XXXX with no avail or communication efforts on their part until I received this on my credit, and I will also state that the Debt was reported to my credit Months prior to receiving any written notification from IC systems as I have just received a letter today XX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am filing this complaint against I C systems Inc. I do not know who this company is and what this debt is about. I have been working on cleaning my credit report on my own. As of XX/XX/2018 XXXX added this to my report and flagged it. This may be a dispute I had removed and XXXX continue to allow these negative collections to be add to my report under different creditors. I don't feel this is right. I am working hard to achieve the American dream and XXXX continue to set me back. I ask that you please remove this from my report immediately. Thank you for your time and consideration
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I recently ran my credit report to discover why I was denied a loan and discovered there was an erroneously report debt by IC Systems regarding a charged off Debt with XXXX XXXX XXXX. I contacted IC Systems of XXXX XXXX, MN and was told by their rep XXXX, that XXXX XXXX XXXX initially reported the debt as paid, but was then told by XXXX XXXX XXXX that my bank reversed the payment to XXXX XXXX XXXX somewhere around XX/XX/XXXX. I pulled my bank Statement to investigate and found the information given to me by IC systems rep XXXX was incorrect as my bank statement reflects the payment was debited from my checking account. In addition, the amount IC systems reported on my credit report is inaccurate. In addition, I contacted XXXX XXXX XXXX regarding this false debt reported and found that I didn't owe them anything and that any outstanding amounts were paid ( XXXX XXXX XXXX is sending confirmation via mail as well ). As a matter of fact, I changed my cable service and internet to XXXX XXXX XXXX in XXXX, and the XXXX XXXX XXXX rep confirmed that if I had any outstanding collection amounts owed to XXXX XXXX XXXX at that time, I would have been required to pay them up front before any new services was acquired. I contacted IC Systems again to inform them, and I sent documentation to prove this, and they could easily verify this information with XXXX XXXX XXXX, of which I believe that have not. I want this entry removed from my credit report and an apology sent to myself as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I.C. System Inc. ( bda ) XXXX, XXXX XXXX XXXX is in Violation of 15 U.S. C. 1692-1692P On XX/XX/2018 ( I ) XXXX XXXX received a call at work from a Mr. XXXX XXXX ; in violation of 15 U.S.C 1692 C ( a ) ( 3 ). I was unable to talk at the time, so i called back and spoke to a young lady about why was i called. I was then transferred to a Mr. XXXX XXXX who was both abusive and oppressive with me, in violation of 15 U.S.C 1692d. Mr. XXXX also used obscene language with me, in violation of 15 U.S.C. 1692d ( 2 ) and i asked him to end the call and he didn't. I ask Mr. XXXX to remove my phone number and to state that i would not receive any further call and he would not agree to do what was asked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: IC systems has been unlawfully flagging my credit multiple times within a month in order to decrease my score. They are consistently reporting a collection that is not valid and not mine on my report as new 3 plus times a month. I have requested they provide me with insurance claims made in reference to this, proof of identity and account history. They have continuously failed to do this. This constitues malicious debt collection and violates the FCRA. This is harassment and is subject to law suit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79424
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A