Date Received: 2017-08-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Calls many times a day at different times. They never leave a message. They call from XXXX The company IC, systems I will also forward a copy of this complaint to my attorney. XXXX XXXX who will handle this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: There are XXXX collection accounts listed on my XXXX, XXXX, and XXXX credit reports. XXXX collect accounts list, I C System, as being the collection agency. I C System is not licensed to collect on debts in the state of Michigan. Therefore I am disputing XXXX entries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ic systems inc is not licensed to collect a debt in the state of Florida as i checked and they do not exist. I tried to file a complaint through the Better Business Bureau again this company does not exist. You cant get in contact with them as no one answers the phone. I do not have a contract with them nor have i received any type of communication from them about alleged debt that appeared on my ctedit reports to all XXXX credit Bureaus. They are reporting fraudulent information and accusations concerning a debt that i have no knowledge of. This is a violation of fcra rights and laws. This is an unacceptable practice that is hurting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX did not notify myself in writing concerning the debt and also turned the account over to a collection agency without written notification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX Hospital sent me to collection for XXXX that I do n't owe them. I tried to contact them to have them send me a contract stating why owe them when they were taking money out of my account every month.I gave the dog away and they still thought I was suppose to pay them for a dog I no longer had I want a contract stating I owe this amount with my signature I want this account removed from my account IC Systems XXXX XXXX 2016, is the collection agency I want removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A collection account is showing on my credit report from IC SYSTEMS. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with IC SYSTEMS. I am in the process of trying to purchase a home and this collection is prohibiting me from that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80247
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This company constantly call multiple times through out the day. They also make phone call before XXXX. This has been a constant problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XXXX XXXX, 2017 my mortgage company informed me that a collection item for IC System XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX {$720.00} XXXX XXXX/ XXXX is being reported on all 3 bureaus. I have sent 2 request to the company advising that I had no knowledge of the debt/account prior to it appearing on my credit, I have never lived at addresses associated with this account and I did not receive my right to dispute the validity of this account prior to them reporting it on my credit.i have submitted disputes with the credit bureaus as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently pulled my Annual Credit Report from the XXXX major credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and have noticed an entry in the Collections Column from IC Systems XXXX XXXX for a total of XXXX for XXXX XXXX service!! I do not recall EVER having owed ANY cellular phone provider. I have recently sent disputes to ( XXXX, XXXX, and XXXX XXXX ) for this debt because i do not believe it belongs to me. I was recently XXXX across seas between XX/XX/XXXX-XX/XX/XXXX and believe this debt could be potential fraud!!! Please promptly look into this matter because this entry is severely damaging my otherwise excellent credit history. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31326
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A