Date Received: 2017-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TOD AYS DATE: XX/XX/XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX I.C. SYSTEM INC. Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious I.C. SYSTEM INC. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX , in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report TODAYS DATE: XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
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: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt collector is not bonded in the state of Texas and by law, they can not attempt to collect a debt. I have already tried to dispute this, the debt company and credit bureau will not comply. Section 392.101 of the Texas Finance Code prohi bits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. {$470.00 } 2 accounts reported on XXXX XXXX XXXX This agency did not report an open account to this bureau. Open Account # 1 { $93.00} Balance Original Creditor XXXX XXXX XXXX XXXX {$93.00} Opened Date XXXX XXXX XXXX Last Reported Individual Account. Responsibility Consumer disputes this account information Medical Remarks Note Open Account # 2 {$ 380.00} Balance XXXX XXXX XXXX XXXX Original Creditor {$380.00} High Balance XXXX XXXX XXXX Opened Date XXXX XXXX XXXX Last Reported Individual Account. Responsibility Consum er disputes this account information Medical Remarks Note
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: : I have medi cal Insurance and the y refused to take down information. Please advise to charge : XXXX NJ XXXX XXXX XXXX Member ID YHZ XXXX Member XXXX Provider XXXX Dental XXXX Pharm/Hosp XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company is a collection company working for XXXX XXXX . There have been several other companies hired by XXXX XXXX and I have had to go through this. XXXX XXXX hired an independent contractor to install a XXXX XXXX system in my residence in 2012. The representative vandalized my h ouse. He placed the dish on the roof of which he damaged and was instructed not to. He did a horrible job of stapling cable across my house, of which he was instructed not to do. He made 3 holes through the exterior of my house instead of using the exist ing one. He threw my storm door open in the wind, of which ripped it off. I have been through this numerous times with different collection companies. I do not ow e them anything because this was never made right with me. I do not owe this company to vandalize my residence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 674XX
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX Closed Submitted Status Submitted to t he CFPB on XXXX ProductOther ( i.e. phone, health club, etc. ) IssueDebt is not m ine We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT XXXX has submitted alleged cable bill to XXXX collection companies for which I do not owe. I have never lived at the address for which I am being billed. I previously made this info available to the first collection agency in XXXX XXXX . Additionally, I filed ID THEFT complaint with XXXX Police Dept., notified XXXX XXXX CREDIT RE PORTING AGENCY, AND IDENTITY THEFT.GOV Now, in XXXX XXXX I am being asked to pay. View full complain t Sent to compa ny Status Sent to compa ny on XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. Company responded Status Company res ponded Closed with explanation on XXXX Response T ypeClosed with explanation Company 's respons e Re : IC System Reference No : XXXX Account No : XXXX Your Credit Bureau Account No : XXXX Dear XXXX XXXX : Thank you for contacting us. In an effort to close the account, our client, XXXX , is requesting a fraud packet be completed and returned to them with a copy of the ID Theft complaint with XXXX Police Dept. IC System h as ceased all collection activity on the account to allow time for the packet to be returned to XXXX . Attached is the fraud packet. Sincerely, Consumer Affairs on behalf of IC System, Inc. T oll Free No : XXXX This communication is from a debt collector same
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I previously disputed this debt with ICS SYSTEMS o n XXXX XXXX 2017 via certified letter to the Credit Bureau and ICS SYSTEMS. I received the letters from XXXX and XXXX that this debt was DELETED! Now XXXX which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60018
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am purchasing a home & 30 days prior to closing, my credit is run again and an account with IC Systems appears as a new collection account opened in XXXX XXXX for {$530.00}. I called IC Systems many time s trying to identify where they were getting their information. I knew I had n't opened anything ... I was trying to close on a home & this was preventing it. They gave me the line ... '' this is an attempt to collect a debt ' & only wanted to know how I was going to take care of it. I explained this had to be a mistake because I had n't opened anything. They said what they reported they received from the creditor. On another call to IC Systems, I ag ain try to explain the information they are reporting is not accurate. I again, am given the " this is an attempt to collect a debt ' line & how would I like to pay '' line and If I do not like what is being reported, I can go through the bureaus and dispute it. On my 3rd to IC Systems, they again give the " this is an attempt to collect a debt ' line & how would I like to pay '' line and I am trying to plead my case to them that the information is not accurate & they are costing me my home. They say if I just go ahead a pay it, they can update with the bureaus over the weekend and it would show paid on my credit reports the following week, as paid. I find this more than frustrating. After more investigating, I discovered XXXX collection accounts on my credit report from XXXX - XXXX f rom the same creditor equaling the {$530.00} that had been removed in XXXX . I called IC Systems for th e 4th tim e and again get " this is an attempt to collect a debt ' line & h ow would I like to pay '' I am furious because now I know this information is being reported inaccurate for sure. I asked how they could report that information to the bureaus knowing it was false. They again tell me to pay or dispute. I also went online to their website on XXXX & filed a complaint there. It said someone would contact me ... still waiting. I then called XXXX XXXX in hopes they would clear this up. The representative confirmed it was from XXXX but maybe it was sold or something to another collector. I asked that they change how they reported that & she said they could n't because it was sold ... wow! No help ... Truly & helplessly unreal!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73170
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have never received medical care at this facility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I am making a dispute against IC syste m, Inc in a resp onse to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices A CT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the XXXX XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts ( XXXX , XXXX , and XXXX ). This a ction constitute fraud under both Federal and State Laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have been a customer with XXXX XXXX XXXX for 4 years now. I have always had internet service with them. Last year in XXXX , my credit card was shut down due to fraud and that caused my payments to be late with my internet service. XXXX XXXX XXXX shut off my internet, and I had to re-establish my account with them after I resolved the issue. When they re-established my account, they opened up XXXX accounts simultaneously for the same address. I managed to get them to close XXXX , however I was unaware of the second one that was still open. I got a message saying that I owed {$93.00} on this account. I disputed it saying that I never consented to this account being opened in my name. I had several people inform me they would remove it from my account and that it would take a " few billing cycles ''. In addition to dealing with this account, I had an offer to open up another bundled account with a home phone to reduce my current XXXX XXXX XXXX internet service bill. I did not want to have the home phone, however they opened it up in my name without my consent anyways. Now I have XXXX accounts, XXXX opened without my knowledge, and XXXX now having gone to collections. The home phone was charged to me as {$110.00} and the other internet for {$93.00}, all the while, I have current internet service with XXXX XXXX XXXX at my address that I am paying on time each month. XXXX have gone to collections. My credit score was XXXX and is now XXXX . I am currently disputing XXXX delinquent accounts but not getting anywhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95126
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No