Date Received: 2017-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX and these company have admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over three years ago. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. I have been targeted by criminals about 4 years ago, or so. They are mendacious in saying this breach started in XXXX 2017. In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. These collection companies know very well these are no my accounts ; however, these collection companies are seeing XXXX in the water, they are focused like the sharks they are. We must close these collection companies that unabashed in ruining Veterans and XXXX XXXX Family Members credit reputations. They are still with this trickery and foolery. I need to know what could be done to these companies criminally. Those accounts are either, fraudulent, my daughter, or my son. However, it didnt matter to them because it is vengeance, and revenge against me for filing a complaint, and letting other consumers know. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deed against them. They are more disturbed at me, and worried about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at the collection companies, and XXXX. These are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, and XXXX and these collection companies are in the business of making money legally, or illegally. These companies are much more than a credit reporting agency. It is a data broker, and thieves living like XXXX XXXX. It collects information from all of us, analyzes it all, and then sell them. They retaliated against me for filing a complaint with C.F.P.B. This retribution came instant within hours after I filed. As a Veteran who fought for this country, and a XXXX XXXX Family Member. They dont care who they XXXX over to save their brand and they thieving ways. These are authentic and true words. Basically, this quote is stating what I am complaining about, that these companies dont care. I learned this the hard way after these companies caused me to lose my V. A. loan, they are creating havoc in my life. They are strongly aware that nothing will happen to them since they believe they are too big to fail. I am forwarding this complaint to XXXX XXXX, and seeking her help to stop criminalizing this Veteran, and this XXXX XXXX Family member. I am filing this again because they admonished, and castigated me for filing an earlier complaint. XXXX and these companies are mafias and gutless wonders! Why would they put these negative accounts on my credit file that doesnt belong to me, except mere retribution? I faxed my credit report, two police reports, and F.T.C. fraud affidavit to XXXX XXXX for protection. They are too stubborn and too crooked to satisfy the consumer, and they are too concerned about XXXX, and these companies brand at the expense of a Veteran, who is a XXXX XXXX Family Member too. This is very sad, and they must punish.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31705
Submitted Via: Web
Date Sent: 2017-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am filing this complaint because a company called IC System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$200.00} but I have never done business with them or signed any agreements with this company. The account number on my credit is # XXXX. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX XXXX, MN and I have never lived in Minnesota in my life. I live in Georgia. This company has several negative reviews and over 616 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2017-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently received a copy of my credit report and I noticed that theres an account with collections on my report. I sent a certified letter to the collections agency asking for debt validation in XXXX 2017 I have not received a response from the agency and again i sent another letter asking for debt validation since I have no knowledge of this account or what it could possibly be for or from. I tried reaching out via phone with no success and this negative account is damaging my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2017-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a I do not recognize XXXX XXXX XXXX XXXX # XXXX account. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I owe. I request that XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2017-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: IC Systems has put a negative mark on my credit report I dont recognize. XX/XX/XXXX I went to the website and reported this and I have not had no response and it still on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2018-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I looked at my credit report on XX/XX/2017 to see an account in collections, IC Systems ( XXXX ), reporting an account to collections that I have never heard of before. I am in the process of purchasing a home and it is unfair that a company reports and item on my credit report without providing an written notice for me to dispute. This is in pure violation of section 809 ( a ) of the FDCPA : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- '' I maintain the right to seek legal measures against this company for improper adherence to the laws that govern them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX company insists I 'm the owner of the property where somebody did n't pay gas bill. I am not the owner of the property and I have never been .I tried to resolve the issue with the company 's representative but the lady was very rude. This is the worst utility company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2017-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: IC Systems has attempted to collect a debt that does not legally belong to them purporting that there is a balance owed from XXXX. IC Systems has broken the law by threatening legal action against me, by hiring phony process of service companies, as well as re-aged debt from the original creditor. They have re-aged a debt and most recently stated that there is an account opened on XXXX 2017. I have contacted the original creditor and to their representation, there is no account that has been placed into collections, let alone with IC Systems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Good Morning CFPB Research Team, I keep getting several phone calls per day from IC System Inc. regarding a debt I asked them to Verified the debt with proof of my sigutaure are something in writing I asked them several time to Validate the debt no respond but yet they keep calling me at work on my cell leaving very abuse message treating me with Arrest warrant I advise them that the law is clear they need to validate this debt with proof of signature I 'm still waiting but yet they still calling me Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2017-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I spoke to the creditor XXXX whom now owns XXXX XXXX. Explaining I had moved away during the time frame in dispute. The account was reactivated as a result of identity theft. The company told me these facts, I agree. Therefore I am not responsible for any charges. The collection company has reported the debt in duplicate on my XXXX file and continually verified as accurate, violating the FCRA. The collection company has re-aged the false debt in its reporting as a matter of fact. The company has failed to act on my request to stop collection efforts and return the file to the creditor XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A