Date Received: 2016-04-30
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Item appeared on my credit card as a collection from IC Systems with no previous contact or indication from the original creditor. No attempt was made to send a bill from the creditor either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2016-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-29
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: COLLECTOR UNLAWFULLY PULLED MY XXXX CREDIT PROFILE ON XXXX/XXXX/2016, FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA! ALSO, CALLED CELL, WORK AND OTHERS SKIP TRACING A DEBT I DO NOT OWE. I AM DEALING WITH ORIGINAL CREDITORS ON ALL DEBT. ( ATTACHED PLEASE FIND CELL AND OTHER DICOVERY )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2016-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-28
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX has sent me a bill to XXXX different collectors from my mother in laws XXXX account when we lived at her address. The account in reference does not belong to me or my wife.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66604
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I sent a letter requesting validation under the FDCPA of an unrecognized collection account regarding a XXXX bill I do not owe. IC Systems ( the collection agency reporting the account ) never responded to my validation request as required by law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2016-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am seeing IC System on my credit report for a supposed collection for XXXX XXXX XXXX for a bill that was paid 4 years ago and at an address in which I have not lived in 7 years. I do not know who this company is, but have seen that XXXX complaints have been filed abouts scams that are very similar to my situation ( I.e. almost decade-old bills that had been paid years upon years ago and are being resurfaced via this company ). Please help!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2016-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-22
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Company did not remove the dept from credit report as agreed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2016-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: IC Systems is reporting a collection to the credit bureaus that was the result of identity theft. I have never done business with XXXX and/or IC Systems. The acct # is XXXX for an alleged {$200.00}. This collection account is fraudulent and extortion. I sent IC Systems a cease and desist letter that was delivered XXXX. USPS tracking # XXXX. As of today 's date, the fraudulent collection is still on my credit report. It is causing me harm and damages as I have been declined a small business loan due to the item being on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2016-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: This account was originally XXXX XXXX XXXX another company bought this debt XX/XX/XXXX from XXXX under accct # XXXX. which was deleted. Now rhis company I. C. Systems bought it under account # XXXX. I am so tired of companies keep buying debt over and over again through different companies ruining my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2016-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-21
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid to other collection agency. XXXX agency and XXXX also said is the same account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2016-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Please review previous complaint, case number XXXX. I believe the current issue is related to this case. During an interview last week ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my XXXX credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. I am not sure the XXXX accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. This debt is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2016-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No