Date Received: 2017-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: received a collection letter from ic systems XXXX. called them immediately and advised them id theft from ex wife. person i spoke to gave me address and forms required to document the fraud which i sent XX/XX/17. i received a email XX/XX/17 from my credit card co. advising of XXXX XXXX decrease from XXXX which is for this debt. the amount is XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX ga. XXXX the debt collection agency ic systems XXXX XXXX XXXX mn. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2017-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: IC System Inc is reporting a collection account for XXXX. They show on the credit report that the account opened in XXXX of XXXX. This is inaccurate and misleading. Any account I had with XXXX would have to have been years and years ago not 2 months ago. IC System Inc is re-aging the account which is a violation of FCRA Section 605 ( c ). IC System never attempted to validate this debt before reporting it. I disagree that I owe anything. They have never made any contact with me and I have lived at same address for 8 years. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92395
Submitted Via: Web
Date Sent: 2017-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I contacted XXXX XXXX XXXX, IC Systems and XXXX XXXX XXXX ( XXXX ). These companies are reporting a debt that is NOT mine ; the SAME debt actually, just separately with two different amounts. I verified the social security number with each of these companies and it was confirmed that its not mine. When asked to speak with a XXXX, I was told the SSN doesnt matter, its up to the credit bureau as to whether or not they report it under your name! This is fraud and Id like my credit report updated and corrected immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XXXX/XXXX/XXXX after checking my credit report I noticed a derogatory remark on my credit report from a collection agency called XXXX XXXX who bought a debt from " XXXX ''. After contacting this company via mail and phone to validate this debt which is not mine the companies account was removed from my credit report. This is was not the first time I 've had to request validation from XXXX or their creditors. I once had 3 different accounts at different addresses on my credit report showing seriously delinquent all which were removed due to them not being mine. Today XXXX/XXXX/XXXX I wake up and there is a new account on my report from " XXXX XXXX XXXX XXXX '' original creditors " XXXX '' for {$770.00}. I called XXXX and was told they do not handle these disputes and it seems to be fraud. I was advised to call the Credit bureau. I then called XXXX and was advised that " its a wash and rinse process and only thing they can do is keep disputing the accounts if collection agencies continue to sell, and also to contact the CFPB, FTC, and State attorney general office. so here we are!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Signed up for XXXX cable TV and internet services on XXXX/XXXX/XXXX. We were quoted a price with a no fee cancellation if cancelled within 30 days. When we receive the first bill, the bill was not what was quoted to my wife and I over the phone. As a result we called XXXX and they were unwilling to resolve our issue. As a result, we cancelled both TV and internet service with in the first 30 days. All equipment was returned within after 28 days. The equipment was returned on XXXX/XXXX/XXXX. to the store at the XXXX XXXX in XXXX CA. XXXX has been attempting to collect {$110.00}. These fees are not owed. Now within less the 90 days, XXXX turned this account over to a debt collection company saying that the account was delinquent. Nothing is owed on this account. I attempted to call XXXX with no success. The overall sales process was fraudulent as not everything was disclosed at the time of sale. When both my wife and I were present and asked questions, noting was every mentioned about extra fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92506
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX XXXX, 2017, I received notification from XXXX that my credit had been pulled for approval of new accounts. This was one of many as I was a victim of the XXXX data breach and had several accounts through several companies opened in my name. So far, they have all been resolved except XXXX. Here is an outline of events. 1. XX/XX/XXXX - I received my first notificaiton that something was off. Credit was pulled on XXXX XXXX according to paperwork received from XXXX. 2. XX/XX/XXXX - I sent my first communication to XXXX. Spring has no fraud department contacts you can reach via telephone. Literally could not get anyone on the phone to speak with about this so I sent an email from my work account. The email was sent to the " XXXXXXXXXXXX '' address. The first rep to reach out to me had the name " XXXX XXXX '' from the Credit Business Operations department. She asked to provide my name, phone number, and address. I sent that same day. A second rep from the company whose name only came across as " XXXX '' from the Credit Business Operations department directed me toward a link where I had to fill out a packet and mail it to XXXX. The packet had to include a police report and other signed paperwork. 3. XX/XX/XXXX - I had already had a police report filed through XXXX Police department ( XXXX, OH XXXX ). This report was for an XXXX account that was opened and the situation handled. I appended the XXXX account to this police report so that I would have it for XXXX. I filled out the paperwork and sent it in as well. 4. XX/XX/XXXX - Not hearing anything from XXXX in almost a month, I reached back out and let them know that I would be looking into getting a lawyer if they would not assist me. They told me they would escalate the case and open the investigation on their side immediately. They never acknowledged receiving the packet and I feel it is lost in transition somewhere. This response came from " XXXX XXXX. '' in the CBO office. 5.XX/XX/XXXX - Still hearing nothing from XXXX, I emailed yet again ( as I mentioned above, no number to call and they wo n't connect you to anyone from the customer service line ). The rep was " XXXX XXXX. '' again who told me to go into a XXXX store to speak with someone. This has been the most frustrating and inconvenient experience ever. It 's bad enough that someone stole my identity, but then XXXX makes it impossible to get it resolved. They now have my account in their collection department " XXXX XXXX ''. I spoke to a gentleman there who notated the account of what was happening. He was actually more helpful than anyone at XXXX. My account is still opened with their credit collection department and I 'm at a loss at this point. This post was created XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Received a letter from IC Systems stating that they have sent my information to the credit bureaus in regards to the debt with XXXX XXXX XXXX XXXX. Whereas I was making payments on my account and was in constant contact with the XXXX office on charges and was told by personnel that they were still claims on my account with the insurance company and they will contact me when claims have been resolved and I will receive new payment information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My credit report shows a collection from IC Systems. I have no business with them. They are not licensed in Nevada.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was charged for XXXX work that I did not receive and that did not meet the standards of the XXXX Board of the State of Texas. Further I was overcharged for the shoddy work by a factor of 200 %. The XXXX threatened to report me to credit agencies unless I paid the bogus charge or gave her my auto. she reporte me to a collection agency and I submitted a large amount of information twice to the collection agency ( which she hired ). The collection agency found me in arrears and demanded that I pay them the amount due. I subsequently went to the XXXX board of the State of Texas with a formal complaint. They asked for additional information twice and then brought the XXXX before the Board. The Board found the XXXX to be at fault and reprimanded her along with stipulations and a fine as well as attorney fees and costs. This did not ease my derogatory credit remark on the bogus claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77381
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX received a final payment from me after cancelling service. This is reflected in received statement. XXXX claimed they returned payment to issue new final balance. I never received alleged return payment and called to resolve. A man name XXXX allegedly resolved issue and emailed me stating such. This resolve did not include return of over payment. I received another request for payment and called to resolve. Now XXXX claims they never received payment and told me to resolve with bank. I told them I payed and had proof. They wanted me speak to a different rep but they would n't make an appointment. This is now the 7th collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63116
Submitted Via: Web
Date Sent: 2017-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A