Date Received: 2017-03-08
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: On XX/XX/2017 I received a call ( first contact ) from IC Systems on behalf of XXXX. They provided incorrect information about my cancellation date and associated charges. On XXXX I submitted a formal written dispute, including proof that their information was false and requested that the debt be verified. The letter was sent via registered mail and received on XX/XX/2017. I did not receive any response. Instead they reported and unverified delinquency to the credit Bureau and violated my fair credit reporting rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I never received any notice to dispute amount in question
Company Response:
State: CA
Zip: 90660
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have paid off the debt to XXXX and it was sent to collections to XXXX which was paid off in full. I called XXXX myself the balance is at a XXXX balance. I checked My credit report and noticed a collection agancy names ic systems had the same amount and debt I paid off already last year. I have not revived any comminicstion from them at all. And seen it on my XXXX credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-05
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I received an attempt to collect a debt by XXXX on behalf of I.C. System, Inc. and I requested debt validation. I have yet to receive validation of this debt. Instead, I received a letter from XXXX stating that the account has been closed and returned to their client I.C. System, Inc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2017-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was XXXX years of age my mother and cousin used my name to apply for XXXX a a kiosk, they did n't pay for the service and I returned the boxes after service was disconnected after I was charged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-25
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have disputed this debt twice for it does not belong to me. I have just been out of XXXX for a year or so. I was a kid and under age, not responsible for this debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2017-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-25
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Why ca n't they explain to what the full balance i owe includes. I returned some equipment and there is still a charge for equipment on my account. What are the service charges?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-23
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: I disputed this debt. First I got XXXX phone calls after I told them not to call me again the first time. I then received a letter saying that I had 30 days to dispute the debt and if I did not it would hit my credit if not paid. I sent XXXX letters, XXXX regular mail, XXXX certified on XXXX XXXX, well before the 30 day deadline. I noticed today that 4 days ago they hit my credit. I called today, the XXXX of XXXX, to inform them that I will be filing this complaint as well as taking legal action against them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Ic systems never sent any debt verification to allow me to dispute as I have never had XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2017-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2017-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No