I.C. System, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
05/25/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07306
Web
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, new jersey state ZIP EXEMPT [ near XXXX ] IC SYSTEMS XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX RE : Account # unknown To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages PARTS OF A LAWFULCONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by anylawto which s/he is subject. A flaw in capacity may be due to minority, lunacy, XXXX, XXXX or kind. The parties should be of like kind, being eitherartificialLegal Entity and artificial Legal Entity, orliving Man/Woman and living Man/Woman, allowing more than two parties butnevera mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosureis the act of providing all material information, or telling the whole truth, about anymatterwhich may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration Theconsiderationis something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must eachreceive a benefitand eachsuffer a detriment.To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds Ameeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. Thismeeting of mindscan only occur between like kinds, beingLegal Entity with Legal Entity, orMan/Woman with Man/Woman.A corporation and another corporation may enter into contract by way ofaccommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet inksignaturesof the parties, each wet inksignaturebeing anaccommodationfrom a Man/Woman. Written contracts between living Men/Women must carry the wet inkautographsof the parties, and/or living identification such as a thumbprint. Livingstandingis recognised by a thumbprint, or more often by anunambiguous declarationwith theautograph, such asauthorised agentwritten below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties. Best Regards XXXX XXXX cc Federal Trade Commission Key Concept 6 Misrepresentation and Fraud 1 A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages 1. Untrue Assertion of Fact or Equivalent ( authors addition ) To have misrepresentation, one of the parties must have made : 1. an untrue assertion of fact or 2. engaged in conduct that is equivalent to an untrue assertion of fact. The fact must be a past or existing fact, as distinguished from : 1. an opinion or 2. a promise or prediction about some future happening. The concealment of a fact through some active conduct intended to prevent the other party from discovering the fact is considered the equivalent of an assertion. For example, if Summers is offering his house for sale and paints the ceilings to conceal the fact that the roof leaks, his active concealment constitutes an assertion of fact. Nondisclosure can also be the equivalent of an assertion of fact. Nondisclosure is the failure to volunteer information. Disclosure of a fact is required when : 1. the person has already offered some information but further information is needed to give the other party an accurate picture or 2. there is a relationship of trust and confidence between the parties or 1 Source of materials : Mallor, et al., Business Law and the Regulatory Environment : Concepts and Cases ( XXXX XXXX/XXXX , 11th Edition, XX/XX/XXXX ). Bold print, bullets, and numbers have been added to the Mallor text to indicate particular emphasis. 3. a party has access to information that is not readily available to the other party. Transactions involving the sale of real estate are among the most common situations in which the duty to disclose arises. Most states hold that a seller who knows about a latent ( hidden ) defect that materially affects the value of the property has the obligation to speak up about the defect. For example, in a recent case a buyer contracted to purchase a house that was reputed, according the sellers, to be possessed with ghosts. The sellers did not tell the buyer this fact. When the buyer learned of the houses reputation, he was granted the right to sue for rescission. ( authors addition ) 2. Materiality Innocent misrepresentation If the misrepresentation was innocent, the person seeking to rescind the contract must establish that the fact asserted was material. A fact will be considered material if it is : 1. likely to play a significant role in inducing a reasonable person to enter the contract or 2. if the person asserting the fact knows that the other person is likely to rely on the fact. For example, XXXX who is trying to sell his car to XXXX and knows that XXXX idolizes professional bowlers, tells XXXX that a XXXX XXXX once rode in the car. Relying on that representation, XXXX buys the car. Although the fact XXXX asserted might not be important to most people, it would be material here. Fraud Even if the fact is not material, the contract may be rescinded if the misrepresentation was fraudulent. Fraud is the type of misrepresentation that is committed knowingly, with the intent to deceive. The rationale for this rule is that a person who fraudulently misrepresents a fact should not be able to profit from his intentionally deceptive conduct. A person making a misrepresentation would be considered to do so knowingly if she : 1. knew her statement was false or 2. knew that she did not have a basis for making the statement or 3. made the statement without being confident that it was true. The intent to deceive can be inferred from the fact that the defendant knowingly made a misstatement of fact to a person who was likely to rely on it. 3. Actual Reliance Reliance means that a person pursues some course of action because of his faith in the assertion made to him. There must have been a causal connection between the assertion and the complaining partys decision to enter the contract. If the complaining party ( 1 ) knew that the assertion was false or ( 2 ) was not aware that an assertion had been made, there is no reliance. 4. Justifiable Reliance Courts also scrutinize the reasonableness of the behavior of the complaining party by requiring that his reliance be justifiable. A person does not act justifiably if he relies on an assertion that is : 1. obviously false or 2. not to be taken seriously. One problem involving the justifiable reliance element is determining the extent to which the relying party is responsible for investigating the accuracy of the statement on which he relies. o Classical contract law held that a person who did not attempt to discover readily discoverable facts ( e.g. public records - authors addition ) generally was not justified in relying on the other partys statements about them. o The extent of the responsibility placed on a relying party to conduct an independent investigation has declined in modern contract law. Todays courts tend to place a greater degree of accountability on the person who makes the assertion rather than the person who relies. 5. Economic loss In tort actions in which the plaintiff is seeking to recover damages for fraud, the plaintiff would have to establish a fifth element : injury. He would have to prove that he had suffered actual economic injury because of his reliance on the fraudulent assertion. In cases in which the injured person seeks only rescission of the contract, however, proof of economic injury usually is not required. Remedies Rescission As is true for innocent misrepresentation, the contract remedy for fraudulent misrepresentation is rescission. A person who rescinds a contract is entitled to the return of anything he gave the other party. He must offer to return anything he has received from the other party. Necessity for prompt and unequivocal rescission Suppose XXXX who recently bought a car from XXXX XXXX learns that XXXX XXXX made fraudulent statements to her to induce her to buy the car. She believes the contract was induced by fraud and wants to rescind. She must : 1. object promptly upon learning the facts and 2. must clearly express her intent to cancel. She must also avoid any behavior that would suggest that she affirms or ratifies the contract, such as : 1. an unreasonable delay in notifying the other party or 2. continuing to accept benefits from the other party or 3. behaving in a way that is inconsistent with her expressed intent to rescind. Damages The tort liability of a person who commits fraud is different from that of a person who commits innocent misrepresentation. A person who commits fraud may be liable for damages, possibly including punitive damages, for the tort of deceit. In some states, a person injured by fraud can not rescind and sue for damages for deceit ; he must elect ( choose ) between the remedies. In other states, however, an injured party may pursue both rescission and damage remedies. In addition, a person injured by fraud in a contract for the sale of goods can both rescind and sue for damages. Innocent misrepresentation Fraud Rescission rescission and/or tort action in damages Am Jur 2d - Contracts 1 0 New I. In General, A. Definitions, 1 - Contract A contract has been defined as an agreement to do, or refrain from doing, a particular thing, [ 1 ] upon a sufficient consideration. [ 2 ] Similarly, a " contract '' has been defined as an agreement, obligation, or legal tie by which a party binds itself, or becomes bound, expressly or impliedly, to pay a sum of money or to perform or omit to do some certain act or thing. [ 3 ] Also, a " contract '' has been defined as a private, voluntary allocation by which two or more parties distribute specific entitlements and obligations. [ 4 ] A " contract '' is an agreement between two or more parties that creates obligations that are legally enforceable by the contracting parties. [ 5 ] A " contract '' is an agreement between two or more parties creating obligations that are enforceable or otherwise recognizable at law. [ 6 ] A " contract '' is an agreement by two or more parties whereby obligations are created, modified, or extinguished. [ 7 ] A contract is an obligation which arises from actual agreement of the parties manifested by words, oral or written, or by conduct. [ 8 ] The term " contract '' has been held to include every description or agreement or obligation, whether verbal or written, by which one party becomes bound to another to pay a sum of money or to perform or omit to do a certain act. [ 9 ] The Restatement defines the term " contract '' as a promise or a set of promises for the breach of which the law gives a remedy, or the performance of which the law in some way recognizes as a duty, [ 10 ] and this definition has been adopted by some courts. [ 11 ] However, this has been criticized as a circular definition : it is the same as saying that a contract is a legally enforceable promise, but a promise is legally enforceable only if it is a contract. [ 12 ] A contract is not a law, nor does it make law : it is the agreement plus the law that makes the ordinary contract an enforceable obligation. [ 13 ] Caution : The following types of contracts are subject in some respects to special rules that depend on their formal characteristics and differ from those governing contracts in general : [ 14 ] contracts under seal recognizances negotiable instruments and documents letters of credit When used in its ordinary sense, the term " contract '' implies enforceable obligations. [ 15 ] However, in popular speech, the word " contract '' is frequently used as meaning the work done under a contract. [ 16 ] Observation : A contract is a verbal act that has a legal reality independent of the truth of any statement contained in it. [ 17 ] The right to perform a contract and to receive its profits and the right to performance by the other party are property rights entitling each party to the fulfillment of the contract by performance. [ 18 ] Under the Uniform Electronic Transactions Act, the term " contract '' means the total legal obligation resulting from the parties ' agreement as affected by the act and other applicable law. [ 19 ] The term " contract '' has a more specific and extended meaning than the terms " promise '' or " agreement. " [ 20 ] The existence of a contract is a question of fact. [ 21 ] Tallies or receipts [ 22 ] and invoices [ 23 ] are generally not contracts. - See more at : XXXX XXXX XXXX XXXX XXXX
08/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20744
Web Servicemember
To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : I C Systems Balance of {$3400.00} and Account # XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
04/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 44129
Web Servicemember
This complaint/unresolved issue involves 3 companies. XXXX, the debt collection company I.C. Systems Inc., and XXXX XXXX. I have received collection notices from XXXX and XXXX over the last couple years regarding a debt from XXXX XXXX XXXX. In each case I notified the companies that I disputed the debt as I did not believe service charges were correct and requested billing/payment history. I was given a free XXXX game pass for my first year of service with XXXX XXXX, and in the second year I was billed for the service without my consent as I did not order it for that year. I called and XXXX XXXX made a correction. However, a charge I believed to be related to the XXXX pass remained and was never corrected up to the day service was terminated. Service was terminated by XXXX XXXX over unpaid bill due in part because of these charges and that I was charged an increased price for service in XX/XX/XXXX that I believed was still within my 2 year price guarantee. In each case I never received any documentation regarding this from my verbal requests. The debt was never reported to the credit bureau and appeared to keep getting bounced between XXXX and XXXX. The debt included additional charges for equipment that was in my possession that I had not returned as of the initial collection notices. I returned the equipment to an XXXX XXXX ( # XXXX ) XX/XX/XXXX per the return instructions as I decided I wasn't getting anywhere with the debt collectors or XXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX was purchased by XXXX XXXX XXXX ) and was going to just pay the balance off after turning in the equipment and they made the correction to my bill. The bill was never corrected and I received another collection notice from XXXX dated XX/XX/XXXX. I called XXXX and advised them I turned in equipment a few days before the notice and had proof of the return being accepted and I was waiting for the balance to be adjusted and reiterated my dispute of the service charges. I was told it may take 30 days for the balance to be updated by XXXX XXXX XXXX/XXXX XXXX. It appeared nothing was done and the debt was passed to a new collection company IC Systems Inc. This collection company sent me a letter dated XX/XX/XXXX which was the same month they reported to XXXX which would violate the 30 day notice period for me to dispute the matter in writing per the FCRA. Due to well publicized Postal service delays during this period in the XXXX Ohio area, I did not receive this notice until XX/XX/XXXX. I submitted a dispute through XXXX XXXX on XX/XX/XXXX and on XX/XX/XXXX it came back as reviewed as accurate. Now, I didn't submit any supporting documentation so I wasn't angry it came back as verified but definitely frustrated as I believed if they had validated the debt based on my comments that they would have discovered the equipment return and updated the balance and I could have proceeded from there. Since that didn't happen I submitted XX/XX/XXXX another dispute directly on the XXXX website and included all the collection letters ( showing the debt was from XXXX and NOT XXXX as was showing on XXXX ), the final bill from XXXX XXXX showing the equipment charges, and the return receipts complete with equipment serial numbers that were confirmed received. I checked the website for updates after an email notice that a result was determined. XXXX came back and said it was confirmed as accurate and valid again. I received the official letter dated XX/XX/XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and spoke to " XXXX '' at XXXX EST. She was an offshore associate who told me that the online dispute department was the only one who had access to the records I submitted and she couldn't retrieve this information to forward to the investigations group as they were separate areas. I requested to speak to someone in that group or for her to get with her management to obtain the information I submitted so they could manually review. She explained that was not possible and my only option was to " Mail '' in a new dispute. I had no option to email, fax, or otherwise electronically submit a duplicate dispute. I complained that this was not right and I believed this process was meant to specifically deter and dismiss complaints and disputes. Never the less I mailed copies of these documents XX/XX/XXXX. As of today XX/XX/XXXX I have not received a response. I do not believe XXXX did ANY investigation whatsoever or require any real proof of debt validation. My suspicion is due to the fact I proceeded to call IC Systems next. I spoke to XXXX XXXX on XX/XX/XXXX at XXXX EST and advised I had disputed the reporting with XXXX and provided documents to them showing the debt amount and reporting was inaccurate. She advised the debt was accurate and confirmed. She told me to reference the letter I received from them that showed the creditor ( XXXX XXXX XXXX XXXX ), their address, and the amount of the debt. I argued that what I received was not validation or proof of the debt and I wanted them to send me proof of the debt and what contributed to the balance. Since XXXX took my documentation showing proof that the {$620.00} balance was incorrect and should be no more than {$320.00}, I wanted to see what proof they had that contradicted what I provided. XXXX told me they didn't have that information and I would have to go back to XXXX XXXX!!! I advised them that as the agency that reported me to the credit bureau AND was validating the debt with XXXX, they should have proof of the debt. I was told the debt validation was the letter they sent me that disclosed the balance, creditor, and address of the creditor. Again, I argued that was NOT validation of the debt as I had provided proof it was wrong and offered to send it to them to update their reporting. My request was declined by XXXX XXXX and I was told her supervisor ( who I didn't get to speak to ) and that I would have to go back to XXXX XXXX. I was refused debt validation by the agency that was responsible for the credit bureau reporting. This was why I believe XXXX is also in error. If the agency reporting the debt could not validate the debt, how did they do ANY investigation? I believe IC Systems and XXXX have violated sections 611 and 623 of the FCRA for these issues. After the brick wall with IC Systems and XXXX, I called XX/XX/XXXXXXXX XXXX XXXX. My first call was XX/XX/XXXX. I spoke to XXXX at XXXX EST who transferred me because they didn't have the bill in current accounts. I was transferred and call was dead air until I hung up at XXXX. I called back, got another rep and was transferred to XXXX in business mobility collections who didn't handle XXXX XXXX accounts, then transferred to a XXXX in tele-assistance who had no number or idea what to do with me. I had no choice to but to hang up and call back as XXXX didn't even have XXXX XXXX 's customer service number. I called back XX/XX/XXXX at XXXX. I spoke to XXXX who put me on hold until XXXX before telling me they would have to call me back. At XXXX they called me back and transferred me to " XXXX '' wo was in XXXX XXXX collections. I heard music and then dead air and nothing. I hung up at XXXX and called back. I got XXXX at XXXX. I was told once it goes to collections they can't help. I advised that wasn't correct as the agency directed me to them and someone has to validate the debt. I was transferred a few more times before getting XXXX in internal collections who said I have 1 year to return equipment. I advised no document I received, no conversation, nothing ever disclosed that and my return of equipment was accepted and I had proof. I got transferred to XXXX XXXX Technical and spoke to XXXX at XXXX who confirmed my equipment showed returned. I got transferred back to XXXX in collections at XXXX who stated again 1 year to return equipment. I advised again, it was returned and accepted and I had proof and they have confirmed they are in possession of the equipment and I expect an update to the balance. XXXX put me on " mute '' and would not respond to me after that. I stayed on the line for 10 min advising them to come back on the line or I would be filing a complaint. I hung up and called back at XXXX and spoke to XXXX . She put in an escalated ticket for me to have the matter reviewed for adjustment Reference number XXXX. 3-5 biz days review time. I spoke to XXXX the collections manager and complained about XXXX. On XX/XX/XXXX I received an email stating my account was updated and that " we were able to resolve your concern in the manner requested '' I called back in XX/XX/XXXX to get an updated bill sent to me at XXXX. XXXX said the dispute was not resolved and the balance is unchanged. I spoke to Supervisor XXXX again at XXXX who said the dispute was still in process and that I would get a call when complete. As of today XX/XX/XXXX I have received no further communication and the automated system at XXXX XXXX XXXX XXXX still says the full incorrect balance of {$620.00}.
12/23/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34207
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.XX/XX/XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXXXX/XX/XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX, ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. CREDIT AGENCIES AGREE TO WAIT BEFORE ADDING MEDICAL DEBT TO RATINGS XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX Account # XXXX At this time I make the claim that the medical debt procured against me on any or all credit reporting agencies, should be deleted permanently. Too many consumers have learned the hard way that their credit rating can be tarnished by medical bills they may not owe or when disputes delay insurer payment. That should change under new policy agreed to this week by the three major credit reporting agencies. The agencies say they will establish a 180-day waiting period before medical debt is added to someones credit report. In addition, the agencies agreed that when an insurer pays a bill, the debt will be promptly removed from the consumers credit report, unlike certain debts that remain for years. The changes are part of a settlement between the credit rating agencies XXXX, XXXX and XXXX and the New York Attorney Generals office that aims to improve accuracy and enhance procedures for disputing credit report errors. The agreement covers consumers across the country. The three agencies gather information from banks and collection agencies about consumers credit such as payment history and how much someone owes to credit score for more than 200 million individuals throughout the country. A persons credit score is used as a measure of credit worthiness, and can influence peoples ability to get loans and the interest rates they are charged, among other things. This is going to help millions of people access more affordable loans, says XXXX XXXX, a principal at XX/XX/XXXXXXXX in XXXX XXXX, Mass. People will no longer be penalized for having a medical bill slip past them and get on their credit report even though the bill gets paid. Insurers sometimes wrangle with patients and providers for months before paying a bill. The new six-month waiting period will give consumers time to resolve such disputes, XXXX noted. Medical debt accounts for more that half of the collection items on credit reports, according to a report by the Consumer Financial Protection Bureau. Among people facing collection for only medical debt, about half have otherwise clean credit reports with no sign of past debt collection problems. On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
03/29/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91977
Web
You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act [ 15 U. S. Code 1692g ] regarding your above referenced file number that part, or all, of the alleged debt is DISPUTED and hereby demand validation and verification, in writing, as follows : Pursuant to [ 15 U. S. Code 44 ] PROVIDE DOCUMENTARY EVIDENCE. 1 ) An authentic signed contract between you and XXXX XXXX showing proof that you and that person and you are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation I C SYSTEM is claiming owed. In pursuant to [ 16 CFR 433.1f ] 2 ) An authentic invoice for goods and/or services you provided. [ GAAP ] AUDIT 3 ) Statement, under penalty of perjury that : a. You are the bonafide party in interest of the contract and will produce said authentic signed contract ( # 1 above ) for my own and a judges inspection should there be a trial to contest these matters. b. The name and address of all persons, corporations, associations, legal firms or any other parties and entities having an interest in the collection or legal proceedings regarding the alleged debt. c. As a debt collector you have not purchased evidence of debt and are proceeding with this collection activity solely in the name of the original contracting party. d. You know and understand that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause. e. You will provide written verification from the stated creditor that you are authorized to act on their behalf in this debt collection action. f. You have taken reasonable and prudent diligence to verify that the amount claimed owed is in fact a legitimate debt prior to instigating this action and making said claims, and that all relevant correspondence has been reviewed prior to initiating this claim. g. You will prove that you are the original creditor, if in fact you claim to be, and that the United States , Federal Reserve nor any other entity besides your organization originated these funds. 3 ) Production of the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 4 ) Under the Truth in Lending Act pursuant to [ 15 USC 1601-1667j ] ( full disclosure ), I have a right to know who the true party of interest in this transaction is. As such, I am asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. 5 ) Please also stipulate for the record whether or not my loan has been securitized, and if so, the name of the REMIC/Trust my loan is bundled with. 6 ) If my loan has been securitized, then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service my loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from my despite my request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action. 7 ) Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301. If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. ARTICLE 3 3-301. 9 ) Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 10 ) I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 30 days as I have asked for, point for point will be taken as an administrative default. Please be advised. A COPY of the said Note nor an Affidavit of Loss or any other forms will not be acceptable. Please provide me the following : 1. A statement admitting whether you are the holder in due course or whether you are a servicer. 2. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 3. The identity of the true holder in due course for m y loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 4. The CUSIP number under which my loan was securitized to. 5. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please contact me in writing to arrange for an appropriate point of inspection. This is my good faith attempt to resolve this matter before I am forced to litigate against your company. I am pleading with you to resolve this matter privately and civilly as to avoid burdening our courts with this matter. If I have to, I will see you in court. Contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt constitutes a scheme of fraud by advancing a writing that you know or should know is false, with the intention that the courts and/or others rely on the written communication to impair or damage my credit rating, my reputation, my standing in the community as well as intentionally inflicting financial and emotional harm upon me. I take this notice, and my rights, very seriously and expect I C SYSTEM to do the same. In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. You may want to obtain a legal opinion on this, but I believe that would constitute a scheme of fraud if this debt were to be resold ; assuming that I C SYSTEM has in fact purchased evidence of debt in this matter. I also will not respond to any future correspondence that is not signed or does not indicate who at your firm has sent the demand for payment. I expect timely responses to the above confirmations and that they be made in writing and sent via certified mail to the address listed below. Alternately, a letter from your firm that the matter has been satisfied and a copy of the letter you sent to all 3 credit reporting agencies asking them that any adverse credit reporting relating to this transaction to be expunged by these three major credit reporting agencies immediately. Failure to provide these items shall mean your admission that you have no claim, your agreement not to report negatively to the credit bureaus, and your agreement never to contact me or the person named in your correspondence again. Included please find a Notice and Demand for Payment in case you are not able to validate the debt your assets will be given a Notice of Lien in the amount and at the interest rate of your invalidated alleged and now illegally collected debt.
04/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02210
Web
BILLING ERROR DISPUTE FCBA XXXX Claims as of XX/XX/XXXX, Substantial Intentional Misrepresentation/ Bad Business Practices : XXXX XXXX continues to Assert False Claims while failing to provide evidence other than a false billing statement. The only evidence that can validate this " alleged debt and justification for the Administrative Chargeback '' is PROOF that I indeed breached the contract regarding Early Termination. XXXX XXXX has NEVER provided this evidence. However, I have successfully proven that it proves this merchant 's fraudulent and deceptive business practices increase revenue and extort profits. XXXX XXXX continues to assert that the charges were valid due to the early termination of my service before the promotional expiration period in breach of contract, justifying the chargeback of the gift card and outstanding debt of {$170.00}. My documents prove that I satisfied the requirements to earn the promotional gift card, with an open account date of XX/XX/XXXX, verified by contract and XXXX hard inquiry credit check. My attached evidence proves I had service-connected for the minimum 90 days UNDER A PREPAID NO ANNUAL CONTRACT TERMS OF THE {$450.00} BYOD promotion from XXXX XXXX. Any reference to current terms and conditions of their promotional gift cards is irrelevant and does not apply to this case. See attached. Finally, this misrepresentation has denied my Due Process and Expeditious review of my arbitration claim. Accordingly, I maintain my False Claims and FCRA violation assertions, and I. Breach of contract means that the company made you a promise ( either verbally, through a contract, or implied in their actions ) and then did not live up to that promise. 1. include making it hard for you to receive some benefit of a deal or promotion with the company 2. the company tries to charge fees or impose requirements hidden in the fine print so you wouldnt know they were there. I was wrongfully and deceptively charged back for adjusted rebate promotion credits which were used in Good Faith and accordance and compliance with XXXX XXXX XXXX XXXX regarding acceptable use of gift cards ( promo rebate ), resulting in an outstanding balance, referral to the credit agency, punitive charges, in contravention of the predefined policy and violation of my customer rights. As of today, XX/XX/XXXX, XXXX HAS PRODUCED NO EVIDENCE TO SUPPORT OR VALIDATE THE EFT CHARGES. Additionally, when requested by the FCC, XXXX asked for an extension of 14 days to produce these documents. Despite my repeated disputes, NO ONE GAVE ME AN EXTENSION before O NEGATIVE REPORTING TO CREDIT BUREAUS NOR SENDING ME TO COLLECTIONS DURING THE BILLING DISPUTE PROCESS. [ FCC Consumer Inquiries and Complaints ] Re : False Credit Billing and FCRA Violation Complaint against XXXX ________________________________________ FCC XXXX Tue, XXXX XXXX, XXXX, at XXXX AM Reply-To : FCC XXXX To : XXXX XXXX XXXX # # - Please type your reply above this line - # # This ticket ( # XXXX ) has been updated. Hi XXXX, Your carrier has requested an extension of time to respond to your complaint. The Commission has granted your page a 14-day extension to respond to your complaint. Once we hear back from your carrier, we will reach out to you again. Thank you for your submission. THE FACTS REMAIN AS FOLLOWS : My account closure directly results from network incompatibility of an upgraded device on the network after replacing a lost phone and limited options and need for a phone. After repeated attempts to present the contradicting XXXX regarding gift card acceptable use, I am therefore forced to submit this Notice of Dispute. On XXXX, XXXX XXXX XXXX representative XXXX sent an email stating that my dispute had been denied and that no additional concessions would be made when no concessions have been made to date, and XXXX failed to honor the XXXX that they defined. When entering this contract, I agreed before porting services out with a {$0.00} balance and a {$130.00} credit balance. I was directed contact XXXX XXXX XXXX to discuss payment options, where I again petitioned for reconsideration and was presented with a settlement that included the following provisions : 1. Add the IMEI number to the database 2. Gather account details 3. Call to discuss port and favorable incentive to return to XXXX XXXX. On XXXX, XXXX XXXX XXXX Department representative, Al ref # XXXX, reneged on our verbal agreement on the recorded line, breached the terms of the deal, and punitively sent me to collections. On XXXX, I received notice of debt collections. On XXXX, I spoke with XXXX at XXXX, where he would have the back office investigate the miscommunication and follow up with me. No action has occurred, and I have until XXXX to dispute the creditor. FCBA COMPLAINT VIOLATION CHARGES XXXX XXXX, XXXX, XXXX, and XXXX violate the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601-1667f, and the Truth in Lending Act 's ( TILA ) unauthorized use provision, 15 U.S.C. 1643, Within 60 days of receipt of a written notice of error, the FCBA requires a creditor to 1 ) acknowledge receipt of the dispute in writing within 30 days ; and 2 ) within two billing cycles, or no later than 90 days, either correct the account or investigate, and provide a written explanation as to why the statement is correct. By its acts and practices as hereinabove described, the Respondents have violated the FCBA as follows, without limitation : a. By failing to make appropriate corrections on credit account ending. b. By committing multiple billing errors ; and c. By failing to conduct a reasonable investigation. By its acts and practices as hereinabove described, the Respondents have violated the TILA as follows, without limitation : a. By failing to make the proper allocations, adjustments, and timely credits to Plaintiffs account. b. Violated the compliance requirements under the FCBA billing errors dispute and investigation process As a result of their unlawful conduct, I spent countless hours, often missing work, communicating with several agents and supervisors, and became increasingly worried and confused by the misinformation provided by XXXX XXXX and three credit reporting agencies. After undergoing XXXX and still aggrieved by this unresolved ongoing billing dispute, I grew more stressed and aggravated by the Respondents inability to coordinate a resolution and suffered sleepless nights and anxiety due to the Respondents unfair, deceptive, and abusive practices. The Respondents are liable for statutory penalties and actual damages sustained due to the Respondents ' violations of the FCBA and TILA and attorneys ' fees and costs and fines for the delay. denial of due process during the arbitration process in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 RESOLUTION SOUGHT 1. CONSUMER REDRESS 2. INJUNCTIVE RELIEF due to substantial misrepresentations during Arbitration Process to delay and deny expedited due process and resolution before adverse action and physical, emotional, and economic injuries sustained by me ( Complainant ) Case # XXXX XXXX XXXX 3. Full enforcement, protection, and damages under CFPB, FTC, AND FCC LAWS 4. Investigation into UDAAP violations and review of business practices to confirm compliance with the law ( Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 ) 5. Make account and credit reporting corrections 6. DELETE THE CREDIT COLLECTIONS ACCOUNT FROM ALL 3 REPORTS 7. Reimbursement for payments made erroneously based upon inaccurate billing, collections harassment, and coercion and extortion resulting from FCRA violations and adverse credit reporting 8. Damages for emotional, physical, psychological stress and duress resulting from XXXX Substantial Misrepresentations of UDAAP practices, and failure to provide accurate and reliable information 9. Punitive damages ( penalties and fees ) up to a maximum of {$10000.00} for continuing to engage in unfair acts or practices in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536.
03/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33311
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. XXXX. I C SYSTEM bal. {$790.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
04/15/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33069
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. I.C. SYSTEM, INC bal. {$620.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
04/08/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19129
Web
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX XXXX XXXX XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me. Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. 1. I C SYSTEM bal. {$50.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
10/22/2017 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • UT
  • 84005
Web
First - None of the previous options to choose from explain the situation accurately. I believe this was a communicate issue and a refusal to provide information on account they hold for collections due to not having a fax number. XXXX/XXXX/XXXX I called I C Systems to ask questions about information I saw on their website when I went to pay XXXX XXXX XXXX on XXXX/XXXX/XXXX. There were more accounts reporting on / in their system that I had never received the bills for and I wanted to find out what the accounts were from and why I did n't receive a statement from the Provider before it went to collections. The first agent explained that I have to mail a letter for requesting any details on the bills and that it is best to go back to my insurance company instead. She also stated that I would not be provided a paid in full letter on the individual amounts I pay unless I was willing to settle the entire balance. She stated XXXX laws prevented the collection agency from being able to simply give the information on the accounts they are trying to collect on. I stated that the collection account was n't reporting to my credit as XXXX account and the individual amounts were each listed. I needed a paid in full letter for each account and the payment confirmation number. She stated the only method a letter close to my request could be sent would be by fax. I stated I do not have a personal fax machine and asked if it could be emailed to me or sent via mail. The agent responded no. She suggested I go to a public place to receive the letter. I stated this violates my privacy by making me to to a public place or my employer to receive personal medical information about my payments and should n't that be protected under XXXX to keep my information private? I requested to talk to her supervisor. He told me that the fax machine was the only way and kept interrupting me so my voice and concerns could not be recorded on the phone call. I expressed frustration that I was being denied a paid in full letter on the account I just made payment in full on for the amount of XXXX with the previous agent to delete it from my credit report. The amounts are reporting separately and I want to be able to prove each for the credit bureaus and my own records. I requested to speak with his XXXX and he stated he would refer me to the fax was the only method again. I still requested to speak with a XXXX. A gentleman I believe his name was XXXX got on the phone and was not briefed on the conversation which I had to repeat. I stated to all three agents I would report this to the CFBP and BBB for their system not allowing me to receive a separate letter on the paid account in full to remove from my credit report. I told them I wanted to resolve this together and avoid reporting their company. XXXX was not apart of that department, team, and had no authority to help me, but assured me their other XXXX would call me before end of day. The other XXXX did call me before end of day and stated their legal team would draft a letter for me in this situation and mail it my home. I have received the letter and it is not what I requested and has put XXXX of collections accounts that I disputed them updating to my credit reporting and hurting my credit once again. I told the agents I was working with XXXX XXXX XXXX on the amount that showed owing XXXX due to I received XXXX bills for the same XXXX and wanted to know why they all had different account numbers and amounts before paying the wrong XXXX. I stated I could pay the XXXX account when I was paid. They have put on my credit that I dispute these XXXX items and did not remove the paid in full item from XXXX/XXXX/XXXX paid in full with the first agent for XXXX with my XXXX XXXX XXXX card ending in XXXX. I did not state to them I wanted them to list the accounts as disputed and as soon as I understood the bill with the original services XXXX XXXX XXXX I would pay it. I also went onto the online website to pay the other accounts listed on the I C Systems website to pay them in full while I requested the individual statements and would resolve that with the original provider but wanted to make the account as current as I possibly could on XXXX/XXXX/XXXX. That payment was also made with my XXXX XXXX XXXX card ending in # XXXX for a total of XXXX. XXXX is the information reporting on my statement. In conclusion I do not want anyone else to be denied the right to a paid in full letter of an individual bill / XXXX item paid with I-C Systems due to their system will not allow it even though the XXXX XXXX XXXX XXXX XXXX XXXX made it so millions of Americans would no longer be hurt by XXXX XXXX remaining on their credit reports as long as the bill was paid. I paid the XXXX and am denied a letter paid in full due to their system. They also updated my accounts with the credit agencies with false information that I was disputing the owing amount XXXX XXXX XXXX accounts with them. I never stated in those phone calls I was disputing those debts with IC Systems. Also, denied the right to know where the accounts are from and who is reporting it and having to mail in a request, having to receive information only by fax and violating the individuals rights to this information if they do not have access to a private fax line or do not want this information sent to a public fax violating their rights to keep their medical bills / history private. The Collection company can hide behind XXXX laws, but refuse to protect the individual being reported. I want the the negative status of disputing information removed my credit report, the XXXX Removed due to being paid in full. I also want my paid in full letter for the XXXX and an itemized statement with original statements from the providers sent to me. Below is proof off my credit card statement the XXXX bills were paid on XXXX and a link to the information I quoted from the XXXX XXXX XXXX XXXX XXXX who helped millions of Americans. XXXX/XXXX/XXXX XXXX/XXXX/XXXX IC SYSTEM PAYMENTS XXXX MN {$110.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX IC SYSTEM PAYMENTS XXXX MN {$130.00} Link : XXXX XXXX XXXX
04/10/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KS
  • 67204
Web
Please note the dates here are approximate as I did not expect this situation to reach this point and have not had time to gather exact details as to times and dates. Sometime in XXXX of XXXX, I visited a XXXX retail store to transfer two lines of service from two different carriers into one XXXX account in response to XXXX promotions for free iPhones and credit for paying off accounts at other carriers. I left the store having paid activation fees, taxes, and other typical charges for such a transaction. I was told I would receive devices in the mail and at that time, the numbers would be ported to XXXX. One of the devices arrived sooner than the other so it was setup first. There were issues setting up this device because the XXXX employee had transposed account information from the other carriers. Several weeks passed and the other device did not arrive, so after calling several times to check the status of the order, I soon learned that there was also another issue with the second line being ported. Nevertheless, both devices and lines were eventually activated and in use. Around a month later ( sometime in XXXX, around the XXXX ), I received my first bill from XXXX. I was shocked to see that the total was nearly {$400.00}. This seemed extremely high for 2 lines of service ( one plan being $ XXXX and the other $ XXXX ). Knowing something was wrong, I called XXXX to understand what happened. After spending several hours on the phone, I eventually spoke to someone who could tell me what had happened. It was explained to me that when the 2 lines were setup, they opened a sub account under the main account, which explained being charged double for 2 lines. XXXX acknowledged this was a mistake on their part and that they would merge the sub account into the main account. My next bill immediately dropped to roughly {$170.00}. During this time, my old devices were mailed in, to which I was to receive statement credit for. Shortly after the first bill, I noticed I was not received credit for my device trade ins. I made yet another call to XXXX to straighten out the matter. I referred to the tracking number showing proof of delivery, and the weight of the package. I informed the agent that I placed 2 devices in the same box and returned them together. He agreed that they had one of the devices, but not the other. After speaking to his manager, they agreed it was unlikely both devices were not in the box and that the 2nd was most likely overlooked. This remedied the situation at hand and I was given credit for the device trade ins. Another part of their promotion at the time was their offer to pay the final charges from the provider you switch from so I submitted documents to their rebate center multiple times, each time being told the bill did not contain enough information or that it was not my final bill. I have yet to receive any credit or payment for switching to XXXX as promised. I had not considered contacting any agencies regarding my business transactions with XXXX up to this point until recently. However, a few weeks ago I visited a XXXX store to inquire about additional products. After opening my account, and preparing the order, the employee informed me that I could pay for the devices in full but I was not eligible for financing because of a " write off '' on my account. The account I have with XXXX today is the first, and only, XXXX account I have ever had. Knowing this, and confused, I asked the employee for details. Unfortunately, he was unable to provide them to me and suggested I call customer service. I spent the rest of the day on the phone and chat with XXXX trying to understand what exactly this meant. After some hours and number of transfers later, I spoke to a woman who was able to identify this as a charge from an account for the 2nd line on my account. Still confused, I thought perhaps it was sent from the previous provider. After confirming this was not the case, I started to think more about how this could have happened. It occurred to me, and likely the agent on the phone, that the charges were from the sub account that was erroneously opened when the main account was first setup. I was then transferred to another department and ended up speaking with a manager named XXXX. XXXX inspected the account, and agreed as well, that XXXX had definitely made an error when setting up my service. He also informed me that the amount in question ( ~ {$180.00} ) had already been sent to collections ( IC Systems ) and that XXXX would have to contact the collection agency themselves. A couple of days later, XXXX called me back and had the collection agency on the phone. XXXX acknowledged to the collection agency that the account was not a valid debt, and that XXXX needed to take it back. The collect agency stated they could open a dispute for XXXX weeks but that it would be up to XXXX to clear it on their end. XXXX assured me he would be following up on this and call me when XXXX had taken care of it. I received a call yesterday ( XX/XX/XXXX ) from a different manager named XXXX from XXXX, stating that the recovery department had reviewed the account and deemed it a valid debt that was to be paid. I explained to XXXX the entire situation of how the account came to be in the first place, that I was not responsible for the debt, was not informed it was owed when the sub account was merged, and that I was not paying the amount in question. XXXX informed me I need to call the recovery team at XXXX at XXXX and speak with them directly. They are closed on the weekend so I will be spending yet more of my working hours on hold, waiting to speak to someone and explain this XXXX up all over again from the beginning. Furthermore, I believe the collection agency is breaking the law by purchasing debt that XXXX never informed me of in the first place. I am filing this complain because I feel like if I'm going through this, surely there are others experiencing similar problems. And considering XXXX 's {$1.00} scam from a few years ago, for all I know, this could be another attempt at gouging their customers.
02/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34984
Web
Request for VALIDATION, NOT Verification To Whom It May Concern : REMOVE THIS ACCOUNT IMMEDIATELY This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Cease and Desist Dear Representative, Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a customer, and the original creditor and I am demanding all of the following : Zero out the balance in this account. Deletion from all consumer reports. Since youre reporting this on my consumer report I demand The following to be answered and written out : Name and address of alleged creditor Name on file of alleged debtor Alleged account number Address on file for alleged debtor Alleged account number Amount of alleged debt Date ( this alleged it became payable ) Debt of the original charge or delinquency. Was this the assigned to a debt collector or purchased? Amount paid if that was purchased Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your clients that grants this company The authority to collect this alleged debt. Signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. Any agreement that bears the signature of debtor, wherein agreed to pay the creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes? No? Have any judgments been obtained by any creditor regarding this account? Yes? No? Please provide the name and address of the bonding agent for this company, in case legal action becomes necessary : Authorize signature of creditor : ______________________ Date : ________________ You must return this completed form along with copies of requested information, assignments or other transferable agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed in return with copies of all requested documents. This is a request for validation may pursuant to the fair debt collection practices act. Please allow 30 days for processing after I receive this information.
11/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19320
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I C SYSTEM & {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23229
Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I.C. SYSTEM, INC bal. {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
12/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75339
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I C SYSTEM bal. {$140.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
12/24/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 77066
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with ThXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I C SYSTEM bal. {$350.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
01/04/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75210
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I C SYSTEM bal. {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/28/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75038
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I C SYSTEM bal. {$100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/25/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19320
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I C SYSTEM & {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75216
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I C SYSTEM bal. {$140.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
10/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19141
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I C SYSTEM bal. {$190.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
09/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43026
Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I C SYSTEM bal. {$450.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Bloc k of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43110
Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. I C SYSTEM bal. {$3200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
01/31/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93309
Web
I didn't really want to file this complaint but at this point I have no other choice. On XX/XX/XXXX I called IC systems because I tried applying for a vehicle loan and my bank informed me that I had a XXXX collection on my credit report and my loan would not be optimal. IC Systems was the name of the collector. Because I check my XXXX XXXX religiously, I was confused and shocked since my credit score is in the mid 700 's and my XXXX and XXXX XXXX report have no collections reporting on there. I went back to the bank and asked which credit bureau they use. They informed me they use XXXX. I opened an account with XXXX and saw there was in fact an IC Systems collections for {$84.00}. I decided to call IC systems because I had no idea why there was a collection on my report due to the fact that I was never notified a collection was being placed on my report. At first I spoke with a collector, and informed the collector what was going on. I advised them that I didn't know what this collection was for and I was curious why they claimed I owed {$84.00}. They told me it was for a XXXX account. I acknowledged that I had an account with XXXX but I did not acknowledge that I owed them any money. In fact, I stopped doing business with XXXX years ago and fulfilled my contractual obligations. I asked the collector why I was never contacted about this account by XXXX or IC Systems. The collector told me the account had been in her office since XX/XX/2019 and they sent me various letters. I advised her that I never once received a call or a letter from XXXX or her company. I was again confused and shocked because what she was telling me and what actually occurred were two different things. In order to avoid a lengthy call and spend time unnecessarily, I simply asked the collector if I could pay the account in full and have it removed from my report for various reasons. The first reason was I fulfilled my obligations with XXXX. The second reason was XXXX never notified me a pending balance was owed. The third reason was IC Systems never sent me a notice saying there was a collections to XXXX. The fourth reason was I never received a call from IC Systems. The fifth reason is that short of this collection, my credit was otherwise perfect because I pay all my bills. I do not run or hide from my debts so I am being truthful when I say I have never received any notice about this debt. She then informed me that she sent notices in XXXX and XX/XX/2019. I finally pointed out to her that unfortunately, my house burned down months ago and I am currently living with my mother while the insurance, the fire department, and the city decide what it will take to repair my house back to code. Even if they did send notices to that address, there is a good chance I didn't receive it. After a long argument with her I finally get transferred to a supervisor. The supervisor I spoke with was XXXX. I basically repeated the same thing to him that I did to the previous collector. I offered to simply pay this account to have it removed from my report but he refused. He said that they called my number several times and I hung up on them. He said that many notices were sent to the address on file. I informed him that never received any notices and my credit was otherwise perfect therefore proving that I am not someone who skips their bills or hides from debt. He then said something in a manner which insinuated I was a deadbeat and really offended me. He asked " do you open up all your mail? '' He then said something else which again really offended me and insinuated I was a deadbeat. He said, " At this stage of collections we are the 4th agency to handle this account. '' Basically he stated that this was already with three other collectors and therefore implied that my accounting of what happened was not believable and that I was therefore a liar. When I finally called him out on what I believed to be just a fabrication on his part he did seem to " backpedal '' on his statement. He said he couldn't guarantee that three other collectors touched this account but that generally the account when it reaches his office is at the stage that they are the 4th to collect on it. I advised him of how my house burned down and I am technically homeless and at the mercy of my peers and he said " I am sorry to hear that but we did our due diligence. '' Because I hung up on them there was nothing he could do. At this point I was extremely upset. I felt like I was being treated unfairly. I don't recall ever being called by an IC Systems. In fact, the supervisor acknowledged that they never even informed me about this debt because I would hang up before they even got the chance to. I did tell XXXX that I get multiple spam calls, robo calls, and scam calls on a daily basis. I don't remember anyone telling me they were calling for XXXX but if I hung up on them it's because I am uncertain of who is trying to con me anymore. Regardless, I was still never notified of this debt. I was also the one who called them and I was even willing to forgo fighting this account that I do not owe simply to avoid this lengthy dispute procedure. Instead, I am insulted, patronized, and implied to be a liar and a deadbeat. Please help me with this. I can't believe that something like this is actually causing me to not be able to obtain a fair loan. My house already burned down and I am homeless and now I can't even obtain a car if I don't pay a premium simply because of a debt that XXXX never told me about because a collection agency thinks I'm a deadbeat? Please help me in getting IC Systems to remove this account from my report. As I told them, I am even willing to pay this bill even though I don't owe it.
02/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20772
Web
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Accounts Requiring Immediate Removal : IC Systems with for a debt you claim I owe of {$1900.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating 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 above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
02/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20772
Web
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Accounts Requiring Immediate Removal : IC Systems with for a debt you claim I owe of {$780.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating 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 above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. Best regards, XXXX XXXX Please provide the following information : 1. Name and address of alleged creditor. 2. Name on File of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All Statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
09/21/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 93635
Web
Dear Sir/Madame I have been disputing this deragatory mark for over a year now and just a couple of weeks ago I finally got the corporate office to take action against the local office creditor, and was subsequently informed ( as I had already known all along ) that I, in fact, did not owe anything at all and that there was a definite error on my account that was never logged or recorded with the local office, and was informed that they would get right on it to make sure this negative account was removed from my credit file. You see, I had already paid in full for the required year for a pet program named " The XXXX XXXX '' which was good for up to a year for regular veterinary visits that were within the plan, however, I had to pay up front any services that were not covered by the plan, such as emergencies, prescription drugs, and/or any medical treatment that was not a regular wellness plan visit. Of course those dues, if any, were paid up in front by me or they would have never seen my dog. However, my yearly due fees for the plan were made in advance and paid up. Well not 2 mos. Into the yearly plan did I have an altercation with one of the veterinary assistants due to her inhumane treatment towards my dog, who had a condition called XXXX at the time, was very weak, very sick to the point of death, and during this critical time in my puppy 's life, she commenced to place a nozzle around my dogs entire mouth and nose as a caution for her to not be bitten during a shot, and I felt that the nozzle was a bit extreme, knowing that dogs do not know how to breath out their noses, and I knew this would somehow cause undue stress upon my puppy while receiving a shot. She then commenced to shove my puppy 's head down and yelling at him during his shot, causing him to be extremely alarmed and aggitated. I explained this to her at this point, whereas she immediately ran to veterinarian complaining of my argument with her. I was then told to leave and when I had made an appointment the following month without incident, after I showed up for the appointment and waiting, the veterinarian saw me and again informed me that they could and would not see me again until I had touch base with an administrative officer to work out this issue if I was to remain in the wellness plan. So asked to leave again,, I never again returned, still having an open, never redeemed remaining balance. I did not fight this and subsequently forgotten for The rest of that year, I did a credit report check to find that they had not only NOT issued me a refund for what I hadn't been able to use, but also charging me another full year for services I never got to use again due to their exiting me from the program and that I was now, unfairly and falsely placed in collections for non payment. This being only after 2 short months of service, with my having a full 8 months more remaining balance on which to utilize their services. I had contacted them right away in hopes to get this resolved and the negative mark eradicated from my credit file immediately! The issue was understood by the creditor and promised measures were to be taken I was informed and would be receiving an update call shortly thereafter. Well that call never came and at that time I had other stressing issues that demanded my attention and that deragatory mark on my record was temporarily forgotten. Well again here I am to date, as I had said earlier, two weeks ago of the promise to remove this negative false mark from my file, as I had explained, it was the only negative mark on my record and it was causing me undue stress and credit worthy issues with other creditor while trying to obtain an auto loan. This contact being my 5th contact with everyone and anyone that pertaining to this account, from creditor, then their corporate office, down to the local office itself who had made the mistake. These creditors for this company as well as corporate, made several phone calls to them about this promised wipe of negativity promised me by them, only to be informed through these other people contacted that they were going to append this issue at once and get this issues deleted, wiped clean off my record because they knew it was an error of their own doing, and would work speedily to get this resolved. I have just today, attempted my 4th phone call in two weeks time, whereas have been informed that nothing has been done for this account as, like the 3 times prior to this, the person handling this issue was not in, but would be in the following day and be up on this issue. Today, again, I've been told the same thing. This was an error on their part which I believe should be handled in more of a timely manner than has. And being the only deragatory record on my credit file, my most recent desire to obtain an auto loan is being thwarted due to this fact, and right now? Right now, I'm demanding that they get right to work on this unwarranted on my part, major error, and get this urgent unwarranted error causing me issues, taken care of IMMEDIATELY! This is by far, no fault of my own, as they also can detest. So why am I being the one who is victimized due to this improper, untimely handling of this? Unfairly so. So I'm begging you to step in for me in investigation this fully and hopefully attaining a proper and immediate resolving of this matter. Have a good rest of the week and thank you very much for offering your assistance on this matter. Sincerely, XXXX XXXX XXXX
05/10/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98023
Web
Complaint against IC System. IC System is a debt collecting agency based out of XXXX XXXX MN. XXXX, located at XXXX XXXX XXXX XXXX or XXXX XXXX. Tel XXXX. They were hired by a XXXX XXXX to collect a debt of {$8900.00} from me for uncompleted service. Initially when I got a letter from IC systems on XX/XX/XXXX, I sent a letter back to IC systems disputing the debt. In the letter I attached a copy of the " Term and Fees Schedule addendum ( Also attached ). The addendum that I signed stated that a payment of {$8900.00} would be due if a minimum guarantee of {$80000.00} in loan amount was acquired. In my letter, I stated that the minimum guarantee per contract had not been met and that's why I am not obligated to pay. IC system, then forwarded my letter of dispute to XXXX XXXX, who wrote back to IC system stating that they had acquired loans in the total amount of {$82000.00} and on XX/XX/XXXX I received the letter from IC system stating that they had been provided information validating the debt. They forwarded me a copy of a list of credit lines that XXXX XXXX claim as approved and received ( Attached ). The IC letter dated XX/XX/XXXX to me ( attached ), also stated that " If you still question the obligation to pay, contact our office immediately. Since the list showed credit lines in my name that I was not aware of, I called the banks to ask if I had any existing credit lines in my name in the credit amounts listed that I was not aware of that were opened in the first quarter of XXXX, since XXXX started applying on my behalf during XXXX - XXXX XXXX XXXX. Every bank I doubted to have a credit card with them, confirmed that I didn't have any credit lines with them in the amounts stated which had been opened in that time period. That very night, I wrote a letter back to IC system ( attached ), indicating what credit lines on that list were legit and which ones were not legit. I mailed that letter with the copy of the verified credit lines from that list on XX/XX/XXXX and mailed it the next morning. The verified credit lines amounted to {$37000.00} and only 2 of the credit lines were in the business name yet according to the initial promise from XXXX XXXX all credit lines were to be business. Please check XXXX to see how misleading their website is to small business owners. They appear to be a real financial company that will give you good size loan at 0 % for 12 months, sounds appealing and then they collect all your personal information for the approval and then turn around and start to apply for multiple credit cards on your behalf and at the same time coach you how to lie to the banks if you get a call. If there wasn't anything misleading and fraudulent, they would tell you straight up on the first call and on the first page of their website state their services as " We will apply for multiple credit cards on your behalf for 10 % commission, but that is not the case. Please look up their reviews from other small business owners that have been scammed. Back to the story, Later that day I got notified by XXXX XXXX via email that there were collection debts in the amount of {$8900.00} reported to my name on the 2 of the credit bureaus. Issues with IC system : 1.Why did they report my account on a debt that had an unresolved dispute? 2. Why did they send me a letter dated XX/XX/XXXX and received XX/XX/XXXX and then report my account to the bureau on XX/XX/XXXX, without giving me a chance to respond. 3. Why did they say on the letter dated XX/XX/XXXX that if I still questioned the obligation, I should contact them immediately and yet turn around to report my account to the agency without giving me a window of time to receive the letter and respond accordingly? I immediately called IC system, I spoke to the first lady and expressed the above stated issues, she would not listen to my questions, she was rude on the phone and told me that they didn't have to wait for my response and asked me if I wanted to make a payment. Noticing that she couldn't listen to me, I decided to end the call and call again and hopefully find someone else to talk to. I immediately called back and spoke to a gentleman by the name XXXX, he noticed that I just called and so I gave him a quick history of the situation and asked, why was I reported to the bureau on disputed account and why didn't they give me a chance to respond and why was my credit score being ruined unfairly? I also asked what was their standard procedures on accounts that were in dispute? After putting me on hold, he came back and said, their client was XXXX XXXX and they don't have to wait nor giving attention to my second dispute, they only consider first dispute and once they get back more information from their client, they would not be open to second dispute. I asked then, why does your letter tell me to contact you immediately if I still question the obligation to pay, yet you would not honor the very statement in your letter to me? He didn't have an answer for me and could not escalate the issue to someone higher either. At that point, I told him that I was going to seek help and consult with CFPB and the bureaus to protect my already excellent credit. So that is my story and I am sticking to it, please let me know if any questions and appreciate your help looking into this case.
04/14/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30319
Web
On or about XX/XX/XXXX, I received an undated demand for payment of {$380.00} from IC Systems , Inc., stemming from an alleged debt due XXXX XXXX XXXX. I responded in writing to IC Systems , Inc. on the same date informing them that this is not a valid debt, that they were at least the sixth debt collection company that XXXX XXXX XXXX has used to collect this invalid debt, and that I had already filed complaints about XXXX XXXX XXXX 's attempts to collect this invalid debt with your agency and the Federal Communications Commission. Subsequently, on XX/XX/XXXX, IC Systems , Inc. reported this invalid debt to the credit reporting companies as a means to intimidate me into paying the invalid debt. It is worth noting that IC Systems , Inc. made one effort to communicate with me and did not request any additional information. It is also worth noting that XXXX XXXX XXXX has likely defrauded at least six debt collection companies by repeatedly selling this same invalid debt. Further information is as follows : On XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding my Internet service account, XXXX, to inform them I had closed the bank account I had been using for automatic payment deductions and to inform them of my new account. I was directed to a customer service center that was clearly not in the United States, where the XXXX XXXX XXXX representative proceeded to go over my payment details for this account. This XXXX XXXX XXXX representative inaccurately stated that my monthly payment for Internet service was {$70.00} per month. I corrected the representative and advised her it was {$30.00} per month and that this had been my monthly payment, which XXXX XXXX XXXX had been deducting without complaint or notice of change, for more than two years. The representative placed me on hold several times and then told me that the price was {$70.00} per month because I had discontinued XXXX XXXX. I informed the representative that I discontinued XXXX XXXX in XXXX, nearly two years prior to that time, and maintained only the Internet service that XXXX XXXX XXXX had been billing and receiving payment for {$30.00} per month since. It is important to note that XXXX XXXX XXXX never informed me that the Internet service was subject to a price increase and continued to process the automatic deduction for $ 30 monthly for nearly two years. Of course, had XXXX XXXX XXXX ever attempted to more than double the price for this Internet service, I would have cancelled it immediately. At this point, I informed the XXXX XXXX XXXX representative that I had simply called to change my bank account information and that her repeated insistence that the price was more than double what I had been paying was going to instead result in XXXX XXXX XXXX losing my business. After a few minutes more of this intolerable customer service, the XXXX XXXX XXXX representative informed me she would transfer me to another customer service center. I informed her I would not wait to be transferred and directed her to simply cancel my XXXX XXXX XXXX Internet service. The XXXX XXXX XXXX representative protested and stated she was transferring me, and I advised her that I had now authorized her to only cancel my account immediately. Later that same day, XX/XX/XXXX, I received a voicemail from XXXX XXXX XXXX wanting to discuss my cancellation. Clearly, since all customer service calls are recorded and XXXX XXXX XXXX contacted me regarding such, XXXX XXXX XXXX was well aware of my direction to cancel the service. Somehow, within 30 days, on XX/XX/XXXX, XXXX XXXX XXXX sent me a bill for {$170.00} for Internet service and informed me that the service I demanded they cancel was suspended. On XX/XX/XXXX, XXXX XXXX XXXX sent me another Internet service bill for {$290.00}. ( Notably, XXXX XXXX XXXXXXXX bills for XXXX and XXXX suggest they increased the Internet service to more than $ 100 monthly. ) Based on this interaction and egregiously awful customer service, I made a decision to also terminate all of my business with XXXX XXXX XXXX, which included my XXXX XXXX XXXX cellular phone service, account number XXXX. On XX/XX/XXXX, I transferred my cellular service to XXXX and discontinued my XXXX XXXX XXXX cellular service effective immediately that day. However, XXXX XXXX XXXX somehow did not make this connection and continued to attempt to bill me, sending a bill on XX/XX/XXXX for {$380.00} and threatening to suspend the cellular service that I had voluntarily disconnected and transferred on XX/XX/XXXX. It is important to note the disconnect between XXXX XXXX XXXXXXXX website and their billing department ; immediately after transferring my service to XXXX, I was unable to log into my XXXX XXXX XXXX account. Clearly, XXXX XXXX XXXX was well aware I had terminated service, yet continued to attempt to bill me for a service they were not providing. At the time I transferred my service to XXXX, my cellular balance was {$0.00} as I had made an XXXX XXXX XXXX cellular service payment on XX/XX/XXXX in the amount of {$150.00}. Clearly, I had no balance at the time I transferred my cellular service to XXXX. XXXX XXXX XXXX has subsequently sold this invalid debt to XXXX, XXXX, XXXX XXXX XXXX and now IC Systems , Inc. debt collection companies.
04/08/2021 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • UT
  • 84116
Web
Hello, to whom it may concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer s defined by 15 U.S.C. 1692a ( 3 ) that resigns in Utah ; I would like to thank you for the opportunity to let me address my concerns regarding the third party ; I.C. system ( I.C. ) Debt collector define in 15 usc 1692a, engaged in the business of a collection agency, using telephone & mail to collect consumer debts for profit, I.C. has infringed upon my rights to privacy under the Fair Debt Collection Practices Act, ( FDCPA ) 15 U.S.C. 1692 ( a ). On XX/XX/XXXX I entered a consumer credit transaction with XXXX XXXX with my accepted credit card presume to 15 usc 1602 a ( I ) under the Truth in Lending Act. The Debt was primarily for personal, family or household purposes and is therefore a debt as defined by 15 U.S.C. 1692a ( 5 ) In the initial communication XXXX XXXX as failed to disclose who they are, and what their initial intentions were to attempt to collect a debt, failure to disclose this information is a violation under 15 usc 1692e ( 11 ). I XXXX XXXX ( consumer ) Have noticed XXXX XXXX has took a Tax write off on this Charge off account and sold the Debt to I.C. system. I.C then took my information, furnished an alleged debt for {$800.00} to the consumer reporting agency without my prior consent. I.C. system ( debt collector ) has communicated with me in connection with the collection of a debt which is a violation Under the FDCPA 15 usc 1692c ( a ) I would like to ask how my location information was acquired, and who provided you consent to communicate with I ( consumer ) which I would like I.C system to provide me my written consent of such action, If the request can not be provided, this will be in direct violation of 15 U.S. Code 1692c ( a ). During my initial communication with I.C. system I requested the debt collector to provide me validation of debt, whom the Original creditor was on that debt and to Cease all further collection efforts regarding to the accounts under federal law 15 usc 1692C ( c ). On XX/XX/XXXX I.C. systems have communicated with me defined by 15 usc 1692 ( 2 ) with Statements not respecting the validation request I asked for and the cease & desist request I made clearly with them. This letter was misleading and confusing because it fails to provide the name of the creditor to whom the debt is owed. This form provided information that would allow the least sophisticated consumer to determine the minimum amount that i owed at the time of the receipt of the letter. This letter failed to provide information that would allow, I to determine what will I need to pay to resolve the debt at the time of the receipt of the letter also this letter failed to provide information that would allow the least sophisticated consumer to detriment the amount of billing fees owed and whether any additional billing fees will be added, the date they be added, & the amount that be added. The tender of an illusory settlement is a deceptive means to attempt to coerce a payment from the debtor. .I.C. system used symbols other than the debt collectors address on envelope, which a debt collector may only use the business name if such name does not indicate that he is in the debt collection business. Which is a violation of 15 usc 1692F ( 8 ). Also I.C. system have accused me ( consumer ) of this alleged debt which is a violation under federal law 15 usc 1692b ( 1 ) ( 2 ) I.C. system has harassed me to coerce payment on a debt that they have advertised to me which has ruined my reputation by furnishing my information publicly without my consent this Is a violation of 15 usc 1692d ( 1 ) ( 4 ) I have found in my investigation that I.C. has claimed the original creditor was XXXX XXXX which in fact this firm was just the creditor of the credit sale. The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. This is the 2nd time I have disputed the validity of this debt, and for this debt collector to cease further Communication with me through any median. I have sent my document to them certified mail with return recipe to keep a file, if litigation process is needed. I the original creditor I am requesting actual and statutory damages brought by Defendant I.C. system for violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices this is a violation of 15 usc 1692g ( 5 ). I request all further collection efforts against I XXXX XXXX XXXX regarding the accounts and any negative credit reporting be removed of any database. In addition, to the damages I am requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.
01/28/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • ID
  • 83709
Web Older American, Servicemember
We subscribed to XXXX Phone Services from XXXX until XX/XX/XXXX, when I retired and no longer needed their services; We had one (1) flip-phone, one (1) smart-phone, and one (1) hot-spot; We went to the XXXX XXXX office in XXXX, Idaho, and paid the remaining balance on the smart-phone, paid our bill, and returned the hot-spot, as it could not be transferred to XXXX XXXX, our new carrier; The CSR explained they could not credit anything for the hot-spot, as it was not a current model, and I agreed, but had no use for it so gave it back; I explained why we were switching carriers, and the CSR pulled up our account, we paid the balance, and he assured us our account was closed; We went across the street to XXXX and enrolled in XXXX XXXX, transferring our numbers, and obtained a XXXX hot-spot; A month later, XX/XX/XXXX, I got an E-mail saying my XXXX bill was due; We again went to the store and spoke to a "Senior CS" who pulled up our account by my SSN, where he saw the account was closed, but with a charge pending; I explained what we had done the previous month, so he spoke with the original CSR, removed the charges, and again assured me the matter was resolved and the account was closed; Then in XX/XX/XXXX, I received a couple of texts from a collection agency regarding "an outstanding XXXX account"; We were 78 miles away from XXXX, so called the XXXX store we've always dealt with; I called the store and asked to speak with the Manager; I called seven (7) times over the next four (4) days... he was not in yet, in a meeting, on another call, or with a customer; I scheduled a return call with the assistant manager, which was not returned; We again drove to the same XXXX store, to find the manager was again in another meeting which could not be interrupted; The CSR got XXXX, the assistant manager, and I again explained the situation to both of them and a couple more employees; Again, he pulled up my info using my SSN, and told me that as of that time accounts cannot be closed in person, only by calling a toll-free number; I told him I was never notified of that when we closed our account; He found everything had been paid in full and cancelled, except the hot-spot; Apparently, as it was no longer a current model, the CSR had not entered a code number to remove it, so the line charge continued, even though the unit was in XXXX possession; XXXX verified that no usage had occurred, then he reversed the charges, bringing the account back to XXXX (XXXX); XXXX assured me he had covered the bases, and would forward all the notes to the manager, XXXX XXXX, who would remove the Collection Activities; Two (2) days later, I received a Voice Message from XXXX XXXX assuring me the matter was resolved and the Collection Action had been recalled; He apologized for the problem, and for all the trouble I had gone through to get it resolved; In XX/XX/XXXX, I got a phone call from IC Systems, a Washington, D.C. debt collector, in regards to the same XXXX account; Again we drove from Washington State to the XXXX, Idaho XXXX store, to speak with XXXX XXXX; I spoke with four (4) CSRs, finally ending up with a new assistant manager who told me both XXXX and XXXX were no longer with XXXX, the debt was still pending and in Collections, and XXXX was not able to do anything about it; I was in the office for over an hour, during which time they refused to get a manager, and refused to give me the manager's name; As for resolving the matter, she handed me a card with the address of the XXXX Customer Relations Collection Department on it, and the phone number of the Collection Company; I sent a letter stating the above to XXXX XX/XX/XXXX, and have heard nothing from them; On XX/XX/XXXX, I received a call from another Collection Agency; When I explained the situation to the person calling, he transferred me to his manager, and I explained everything again; I told him I was disputing the entire debt, as it was XXXX mis-handling which caused the entire problem; The connection was bad, so I asked them to e-mail me their name and contact info, but have as yet not received anything from them; I do have the phone number (XXXX) the call came in on, but the reverse phone lookup doesn't tell me the name, only that the number is registered to someone in XXXX, Idaho; I am retired, on SSN only, with a XXXX wife to worry about; I don't owe this debt, and I want XXXX to do whatever they have to do to clear it and get my name off the rolls of these and all debt collectors; A bad credit rating can very easily cause me to be evicted from my mobile home park, and I am not able to find another place to live; And, being on Social Security, I do not have an extra $XXXX to throw at this rip-off;
01/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33463
Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 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 XXXX 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 XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 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 XXXX 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 XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
10/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33131
Web
I submitted a letter to companies concerning these COLLECTION ACCOUNTS and stated these were not mine. None of these belong to me. I have requested several times that I.C. System INC validate the alleged DEBT XXXX NOT MINE /UNVERIFIED but my letters go unanswered without a respond.I.C. System INC are reporting account that does not belong to me and belongs to someone else. I have send this to them several time ... .... Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. I am requesting proper documentation in the following form : YOU must provide a complete payment history. ( The requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. ) Please provide a complete and fully executed ; true and certified copy of the original contract that was signed at the time this account was opened. XXXX XXXX XXXX. v. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX Court of Appeals . ) Confirm under penalty of perjury that you are prepared to produce the original contract with original wet ink signatures should it be necessary for a judge to verify. Original contract transferring this debt from the original creditor to YOUR company. ( Agreement bearing my clients signature that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) The source of a debt has to be shown Along with the original day debt was incurred and has to be displayed on the credit report, and the amount your company paid for plaintiff 's debt, how amount sought was calculated. If you are not the original creditor, please provide a fully executed true certified copy of the agreement of sale or assignment of this debt from the original creditor. In addition, please provide a true and certified copy of any evidence you may have indicating that my client would be subject to such sale or assignment. The authorization to add your collection efforts to my credit profile. Intimate knowledge of the creation of the debt by you and the collection agency pursuant to the provisions outlined in the FDCPA. Proof that the date of the original debt was not prior to the statute of limitations. Show me that you are licensed to collect in my state. Provide me with your license numbers and Registered Agent. Provide details how the alleged debt was calculated. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, in Circuit Court, XX/XX/XXXX. Produce and present IRS Form 1099-OID so I may be apprised of the sum certain amount of my credit you are attempting to extort from me through the United States Postal Service ; NOTE : Mail Fraud is a crime. Also take notice that IF the original alleged creditor has a valid debt which is beyond the statute of limitations as prescribed by both state and federal law the collection of this debt is in violation of the law. There are fines for creditors or collection agencies, and credit bureaus if they try and Re-age an account by updating the date of last activity on a credit report in the hopes of keeping negative information on the account longer. This is pursuant to FCRA Section 605 ( c ) running of the reporting period. This is measured from the original contract date or last communication. Further, Title 15 U.S.C. 45 ( a ) provides a remedy with Federal Trade Commission on entities that engage in unfair or deceptive act or practice in or affecting commerce that will subject your agency to a formal complaint by the FTC. Section 45 ( a ) ( 1 ) provides : Unfair methods of competition in or affecting commerce, and unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Emphasis added mine. Section 45 ( b ) provides that the FTC can issue a formal complaint under the thrust of an Order to Show Cause why an order should not be entered by the Commission requiring such person, partnership, or corporation to cease and desist from the violation of the law so charged in said complaint which in this case would be the unfair or deceptive acts or practices of allowing false, fraudulent, misleading and or unverified debt claims against my name. Thank you for your assistance in removing theses items from my report.
11/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93307
Web
Please help me. I am so infuriated right now. Last month I spoke with IC Systems. I spoke with a collector named XXXX XXXX. I called because I saw on my credit report a couple of collections with IC Systems name on it. I tried to fight them with XXXX but I was told the collections were verified. When I called IC Systems I was told the accounts were for a wellness program at XXXX XXXX XXXX. When I asked questions about it, the collector told me it could be for an auto renewal on a program that we didn't know auto-renewed. I informed him those weren't technically legal so I asked more questions. He then said things are muddy on his side because IC Systems didn't get an itemized statement. I then asked him for the paperwork that shows I signed up for this auto renewal. XXXX gave me an e-mail to XXXX XXXX XXXX. He said in our conversation that he was speculating about what the debt was for. After some more investigation on my end XXXX started getting upset and told me " I understand you aren't trying to pay this at all. '' I advised him that was not the case but simply that I wanted to make sure what the bill was for before I paid it. He then started telling me to talk to XXXX instead of fighting with him. I informed XXXX that if I'm supposed to talk to XXXX, why does his company exist and why are they collecting? XXXX informed me he's collecting and reporting on behalf of XXXX. I then reiterated that if I was going to deal with XXXX, and XXXX wants me to contact them for any information regarding this debt, then his company should just cancel this account, remove it from my credit report, and send it back to XXXX so I could deal with them. I finally asked him for an e-mail to IC Systems, or an address, or a fax so I could send his company something in writing. XXXX then said " I can guarantee you that if you just send like a random letter stating anything of regarding this that it's not going to ... like I can give you an address but its not going to do much for this situation. '' He then said in the same conversation " sending me any documentation of this.. anything related to this is not necessarily going to like ... that information we have nothing to do with this. '' He finally said " if you want to send a letter to make yourself feel better that's fine. '' After asking him numerous times for his address and fax he finally gives them to me. I then asked to be transferred to a supervisor. XXXX was her name. XXXX is her employee number. I explained this entire conversation to the supervisor. In the end the supervisor gave me several explanations which were also found wanting. After I told her what the requirements for auto renewals were, she told me auto renewals and the laws regarding them vary from state to state. She then claimed XXXX followed the laws regarding auto renewals. I then asked her what state this auto renewal agreement was signed in and she said she didn't know .... She then said she didn't have that information ... Essentially, she was also telling me she didn't have the info to prove this debt was legitimate. I then sent this company a dispute letter the same day to the address provided to me explaining my problems with these collections and why they are not valid. I did it the same day this phone call was made which was XX/XX/XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX and also to XXXX XXXX XXXX XXXX XXXX MN XXXX. To this day I have not received any correspondence acknowledging my dispute or a response to it. To reiterate my problems with this collection agency and this erroneous debt ; IC Systems does not have any solid information on this debt. They have no contract, itemization, or proof of what is owed. They are refusing to provide me with any documentation and are in fact dissuading me from sending a dispute as is my right under the F.D.C.P.A. They are even going above and beyond in illegal activities by telling me my dispute letter will be pointless and nothing will be done with it and to only send it to make me feel better. They demeaned my character by telling me they were aware I wasn't trying to pay this collection at all in a matter of fact tone. Even the supervisor made a blatantly false statement by telling me that XXXX followed all the laws regarding auto-renewals when she didn't even know what state the auto renewal was signed in or had no access to that information. She just made an assumption. This has gotten so out of hand that I will not accept anything less than the complete eradication of these accounts. they need to be removed from my report and cancelled all together.
03/05/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80121
Web
The last phone of my service with XXXX was cancelled in XXXX of XXXX. In XXXX of XXXX ( see attached email ), I was threatened to be sent to collections for an unpaid bill. The phone service at this point had already been disconnected since XXXX. After several attempts to contact XXXX customer service, waiting on hold for more than XXXX minutes, and being disconnected twice, this email was sent. There was no reply to the email. Following this email, I continued my efforts to pay the bill and after several more attempts was able to do so. At which time the final bill was paid and all service disconnected. Or so I thought. Then in XXXX of XXXX ( see attached email ) I was again threatened with being sent to collections for an unpaid bill. After spending multiple hours on the phone again with customer service, I was notified that while the bill was paid in XXXX and the phone number had been disconnected for several months, the lease on the phone had not been stopped. Apparently, XXXX felt that it made sense to keep a lease on a phone that no longer had service ( Since XXXX ). This was after the phone call in XXXX in which all services were to be disconnected. At this time, after several hours on the phone, I wished the issue to be closed and paid the outstanding balance. At this time XXXX did cancel the accounts and sent a return label to return the phone. The phone was returned as promised with no further communication. Then in XXXX of XXXX I was contacted via phone by IC Systems, Sprints collection agency, for an unpaid bill. I responded immediately to IC systems and disputed the charge. I was told by IC systems that the charges were for the phone never being returned. I assured the IC systems rep that the phone had been returned and the rep told me that he would mark the charge as disputed, get in touch with XXXX, and respond to me, and that it would not go on my credit as long as it was disputed. A response was never received. Then in XXXX of XXXX, IC systems again called me. The representative had no knowledge of the previous call and stated that they would not call XXXX and that they were not sure why I had been told that they would. At this time I disputed again that the phone had been returned and the IC systems representative told me that I would need to contact XXXX to discuss the matter of the returned phone. I called XXXX, and while the hold times were significantly better, the customer service representative was unable to resolve the problem. After being on the phone with the customer service representative for more than an hour I was told that the phone was in fact returned but was damaged. I asked what the damage was, as the phone was sent back in good condition. The customer service representative said that the notes did not say what the damage was, just that it was damaged, and there was nothing that could be done other than pay the outstanding bill. At this time I her that was not acceptable and that if she was unable to at least tell me what the damage is ( really should have pictures ) that I was not going to pay more money to sprint. She said there was nothing that she could do, at which time I asked to speak with a supervisor. After waiting on hold for XXXX minutes, I spoke to a supervisor. After explaining the situation to the supervisor I was put on hold again. After being on hold for ANOTHER XXXX minutes I was cold transferred to the IC systems main number. This was without an explanation or a resolution to the problem, AFTER BEING ON THE PHONE WITH XXXX FOR OVER AN HOUR AND A HALF. I then spoke to the IC Systems representative that answered the phone and was told that IC Systems would not be able to assist me and that I would need to contact Sprint. I sent the attached letter on XX/XX/XXXX to XXXX and IC Systems. I have yet to receive a response. At this point it feels like I have no recourse. The phone was returned in good condition. XXXX says that it wasn't, but is unable or unwilling to even be able to say what was wrong with it. So I can just pay the money, or deal with it on my credit, which feels very unfair. I think they should at least tell me what was wrong with the phone, but should really have pictures or something. I feel that this situation is unacceptable and that the practices being employed by XXXX and IC Systems are in violation of the Fair Debt Collection Practices Act ( FDCPA )
02/10/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SD
  • 57069
Web
( Summary ) I set up a payment arrangement to reinstate internet service. XXXX broke the arrangement and shut it off the next day. I made a new arrangement, and it was turned back on. They went back on their arrangement again, less than an hour later, and demanded more money or they'd shut off service. ( What happened ) I previously had internet service with XXXX, and it ended with a final balance of {$410.00}. I am not currently working, but I'm starting a new job in XXXX. XX/XX/XXXX, I called XXXX ( phone XXXX ) and asked if I can make partial payments toward the past due balance, above and beyond the normal monthly bill, to restore service. At least until paychecks start coming in and then I can pay off the previous balance in full. XXXX, a rep from I.C. Systems, XXXX XXXX collection agency ( phone XXXX ), agreed to these terms. As did XXXX in XXXX Sales. I asked what minimum payment I could do, and XXXX advised $ XXXX/month. The three of us were in agreement. I'd pay an extra $ XXXX/month on top of my normal bill in order to restore service, and then I'd pay more towards the past due when I could. So, I made a payment for {$26.00} ( {$25.00} plus debit card convenience fee ), confirmation # XXXX to IC Systems, account # XXXX. XXXX with XXXX advised my normal monthly bill will arrive in the mail, and my service was restored. Less than 24 hours later, on XX/XX/XXXX, the service was cut off. I called XXXX to ask what happened, and XXXX in XXXX collections advised the payment I made was insufficient, and my prior balance needs to be paid in full to restore service. I advised that I had an arrangement with XXXX in IC Systems and XXXX in sales. XXXX said that she can not honor the prior agreement. I advised that these are not the expectations that were set prior to charging my card, and I let her know the company is not honoring what they're advising their customers. As XXXX could not assist me further, I asked her to have a supervisor call me back. Immediately after my call with XXXX from XXXX, I called IC Systems to see if the misunderstanding could be cleared up on their end. I conferenced the call between XXXX from IC Systems and XXXX, a sales supervisor at XXXX, so we could all 3 discuss the issue. XXXX advised that the payment I made was incorrectly processed by the rep XXXX as a one time payment, rather than a recurring payment. XXXX advised it was only because I didn't have a recurring monthly arrangement that XXXX isn't seeing the approval to restore service. I asked XXXX and XXXX if we can get this corrected. I asked to have repayments scheduled to come out each month automatically. XXXX was having system issues and could not set up autopay for me. XXXX said when I call next month to pay, I can set up autopay at that time instead - and she will thoroughly note that this is the plan. They both agreed that this was satisfactory, and XXXX turned services back on before we even hung up. Less than an hour after ending the call with XXXX and XXXX, I get a call from XXXX. She is XXXX 's supervisor ; the collections supervisor I had requested earlier. I let her know that we cleared up the confusion. She tells me that the matter is not resolved, and that the past due still needs to be paid in full, minus the {$25.00} that I paid. I filled her in that I had an arrangement, and it was broken shortly after getting my payment. I also told her that I agreed to autopay in a 2nd arrangement. She confirmed that she would not honor the prior 2 arrangements, even though a fellow supervisor signed off on it. And unless I made an additional payment, she'd immediately disconnect service. She wouldn't honor her company 's word, but offered a compromise. If I changed the arrangement from $ XXXX/month to {$75.00} every 2 weeks and throw in an extra {$100.00} today I could keep my internet on. As my new job requires internet to work remotely, I had no choice but to agree. I called IC Systems and paid {$100.00} ( {$100.00} plus processing fee ) with rep XXXX. Confirmation # XXXX. This is the 3rd arrangement in two days I've made with XXXX. Who knows if someone is going to call me again tomorrow demanding new terms. Agreements I made previously mean nothing to them. XXXX holds XXXX accountability for what they tell their customers. And they take payments under false pretenses.
09/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44128
Web
I have asked numerous time for an investigation not a validation for these collection accounts that do not belong to me. I repeatedly get this pre-generated letter stating it was verified. I did not request verification I requested investigation there is a difference. I reached out to the collection agency and got no validation from them. I sent the collection agency this letter with specifications that I was looking for to validate this debt and got no response. Its been well over 30 days and this information still on my credit. This is the letter I sent and faxed : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards cc Federal Trade Commission cc : Consumer Financial Protection Bureau
03/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08723
Web Servicemember
There has been an improper derogatory report placed on my credit by IC system with respect to my prior account with XXXX XXXX XXXX XXXX. This is an incorrect report, it must be removed from my credit report in its entirety. I switched to XXXX for both my TV account and cell phone account In XX/XX/XXXX. My prior TV account and mobile phone account was with XXXX XXXX XXXX XXXX. After I had completed all my obligations in full with XXXX XXXX XXXX XXXX, I received a bill stating that I owed {$130.00} which was not correct, I had paid them in full. I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to inquire why I was still receiving a bill that was still showing a balance owed. I spoke with XXXX. XXXX looked at the account and told me that the only reason that a balance was shown as still being owed was because I had not returned the XXXX rental equipment, and that the account could be corrected when the rental equipment was returned. I told XXXX that I had already returned the equipment shortly after I had ended my XXXX services and went to XXXX. XXXX asked me to give him the XXXX return reference number for the XXXX store return and he would be able to correct the account balance to accurately reflect nothing owed. I told him I was not at home, where the XXXX receipt was, but when I got home I would call him. He said OK. When I returned home, I found the receipt, called XXXX at XXXXXXXX XXXX, gave him the reference numbers for the the return on XX/XX/XXXX to XXXX store XXXX and he said that he would correct the account to accurately reflect nothing due. I received no further invoices from XXXX. There is no evidence that XXXX XXXX or IC systems contacted XXXX on this. They very well should have done this, that telephone call with XXXX was likely recorded. That would clear this all up. The IC report is improper and must immediately be corrected and removed from my credit report. IC system is a collection agency. I had no direct dealings with them whatsoever. I receive no notice whatsoever from them about any money being owed on my account. The first I knew this when I received a report from my credit watch that something was going on. This is totally unacceptable. Upon learning of this wrongful derogatory information being on my current report, I went online to fill out a dispute report on XXXX. I had great difficulty utilizing their website. I was limited to quantity of information I could type in, and was not able to upload documents, they kept on timing out, or saying cant be done now. Thus there was only a small statement that i was allowed to submit. That same night I called XXXX up and asked what can I do about it, and they told me that I should mail the attachments in to them, ( the attachments that I wanted to upload but was not allowed to ). I mailed these documents, which I am attaching to this filing, but before they even received them, they denied my dispute. This denial was received on line. in addition i received two denials in the mail as I further objected. This is impacting my credit and both XXXX and IC Systems are at fault. Thank you for investigating this for me and I trust, having it corrected. On line XXXX dispute report : Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Remarks. Here is how this account appears on your credit report following our investigation. I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX See attachments for : Dispute statement mail to XXXX Proof of return of XXXX equipment that I used To provide XXXX with the information he needed to show that the equipment was returned after which he said that my account which show no balance The text I received in XXXX from XXXX a different collection agency and my response thereto. I never heard anything further from XXXX two excerpts from the two XXXX dispute reports I received from XXXX one dated XX/XX/XXXX, one dated XX/XX/XXXX
08/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33461
Web
THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
08/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34953
Web
THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
03/28/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44105
Web
I have asked for validation from this account on my credit report and I C System did not follow the FDCPA laws. I C System is a third party company and need to follow the FDCPA laws not the FCRA laws. The FDCPA definition is : The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. This is the letter that I sent to I C System : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. I did not receive the information I requested.
10/16/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20852
Web
**Timeline of events DATE : XX/XX/XXXX I received a written notice in the mail dated XX/XX/XXXX from I.C. Systems informed me that there is a balance due in my name from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. The letter contained no date of service, itemized bill, address of the creditor, or the services rendered for the charges in question NOTE : Written notice was receivd from IC systems on XX/XX/XXXX approximately 35 days after the date written on the original letter - Consequently, I was not sufficient time to review and respond to the notice within 30 days. DATE : XX/XX/XXXX I contacted the Toll free Number on the IC System notification letter XXXX and was connected to a representative named XXXX ( Employee No. XXXX ). XXXX informed me that according to the IC System records, the collections notice I received is listed as medical with a date of service XX/XX/XXXX. I explained that per my search on the internet, XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not exist and appears to be an either fraudulent or illegitimate company. I informed XXXX that to my knowledge I received no medical treatment in XXXX and I have certainly never had any services rendered at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I asked XXXX for the name of the doctor that I was allegedly treated by as well as the exact medical procedure performed ( XXXX, XXXX XXXX, testing, etc. ) XXXX told me that she did not have that information but that she would place a note in my file to request the itemized bill. XXXX gave me the telephone and account number of the creditor and advised to contact them for details. Next, I called the number I was given ( XXXX ) XXXX. I spoke to a representative named XXXX in the billing department. XXXX informed me that I have reached the billing department for XXXX XXXX XXXX XXXX in XXXX XXXX, Maryland. XXXX confirmed that they have no record, date of service or charge due or charge due in my name for the year XXXX. I was told by XXXX, that my account is at a zero balance and no payment is due. Furthermore, XXXX informed me that they ( XXXX XXXX XXXX ) has no affiliation of XXXX XXXX XXXX XXXX, nor have they even heard or worked with such a company. After the call I conducted a web search of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD and could not find any legitimate site on the world wide web. Date : XX/XX/XXXX Incident : I called IC systems toll free number to describe my findings ( per incident on XX/XX/XXXX ). I spoke to two representatives. The first was XXXX ( employee no. XXXX ). XXXX was not attentive during the call and repeatedly cut me off mid sentence when I attempted to explain that I have been erroneously sent collections by a seemingly non-existent and or fraudulent company. I asked to speak with a manager and was transferred to XXXX XXXX. XXXX informed advised me to send IC systems a written notice to request an itemized bill so that a hold will be placed on my account and that the collections notice would not reflect on my credit report. Date : XX/XX/XXXX Incident : Contacted the billing office for XXXX XXXX XXXX XXXX XXXX and spoke to XXXX ( session no. XXXX ). Was told that there is no balance due on my account. XXXX also reiterated that XXXX XXXX XXXX XXXX XXXX is not affiliated with XXXX XXXX XXXX and they do not use I.C. Systems for their collection statements. Date : XX/XX/XXXX I faxed and mailed a Debt Validation Letter to IC Systems requesting the following : 1. Identify the original creditor. 2. Copy of the original contract with electronic signature between IC System and the original creditor. 3. Name, Address ( street name, number, zip code, etc. ) telephone number and website URL of the original creditor. 4. Original itemized bill from the creditor 5. Proof from IC systems response that you are licensed or bonded to collect debt in my State of residence Maryland. 6. Complete Transaction History. My request was for IC Systems to email the validation documents to me. To date ( XX/XX/XXXX ) I have not received a response either from the original creditor or I.C. Systems.
10/08/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30318
Web Servicemember
I.C. systems has added an account showing me as being delinquent with them. From what I see its a medical debt. This should have been covered under my personal medical insurance. I have never contracted to do business with I.C. systems nor are they in receipt of any such request on my behalf. I am sending them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. THIS DEBT IS NOT MINE.
10/19/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 32309
Web
I had a wireless account with XXXX that I ended up shutting down. They charged me the back payments for it and account disconnection fees. They gave what I owed to a company they worked with, XXXX XXXX. I worked with XX/XX/XXXX and made a payment plan for a small amount a month ( as I could not afford more ) and made the payment every month for the last year or so and they agreed not to report it to my credit as a collections as long as I made that payment. Over the summer, XXXX gave my account to another company, I.C. System, without notifying me. I realized my payments were not being made to XX/XX/XXXX and called them to ask them if they still had my account. They said they did and to not worry. In XXXX I received a letter from I.C. System saying they had my XXXX account. I once again called XXXX. XXXX and they said that it was impossible for them to have my account as only one company could hold it at a time and that they still had it. They said to ignore the letter from I.C. System. I tried to call I.C. System anyway but couldn't get a hold of them. I noticed again that my payments were not coming out of my bank account for XXXX. XXXX in XXXX so I tried to call them. The number was no longer for them and when I went to find my account online it said the account didn't exist. I called I.C. System on XX/XX/XXXX of this year at XXXX. I spoke to an agent about my account and asked her what the minimum payment was that I could make monthly in exchange for them not reporting it on my credit as a collections. She told me I could make monthly payments of XXXX dollars and they would not report it on my credit as a collections. She set up the payment arrangement for me. The XXXX dollars was to come out every month on the XXXX. I paid it on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, the same day I made my second payment, I got an alert that a collections account had been reported to my XX/XX/XXXX credit report. It was the XXXX account reported by I.C. System. I called them on XX/XX/XXXX, when I saw the alert, and spoke to agent, XXXX XXXX, ID XXXX, and asked why my account was reported as a collections, which damaged my credit that I have been working hard to improve, and the agent tried to claim that I had agreed to pay XXXX dollars a month and that by paying XXXX I had broken the " contract ''. I told him I had agreed to XXXX and that they had wrongly reported a collections to my credit report and that they needed to remove it. I told them to pull the phone call from XX/XX/XXXX where that agreement was made between the agent and I. They said they would pull the call over the weekend and call me back on Monday. Today, Monday, the XXXX of XXXX, I called them around XXXX. The agent, XXXX XXXX, ID XXXX, told me they had pulled the call and heard that I was correct in my statement so they were going to have the collections account removed from my credit. Mysteriously, however, my payment arrangement had disappeared in their system and she wanted me to arrange a payment arrangement for {$380.00} a month instead. I told her I can not afford that and that they had already made an arrangement with me to accept a monthly payment of {$25.00} in exchange for not reporting it as a collections to my credit report. She then tried to say I could pay XXXX dollars for 3 months and then go up to {$380.00} or pay {$2000.00} when I get my tax refund, which is out of line and ridiculous. I told her they were being underhanded and trying to force me to pay more money than what they agreed I could pay. The collections account is still showing on my transunion credit report as well even though they said they had it removed. I would like them to honor the payment arrangement they made with me and to remove the collections account from my credit reports. The calls with the agents I've had on XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX can all be pulled and listened to as they are recorded to show that I am telling the truth about what has occurred.
07/05/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 65631
Web
I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX # XXXX DISPUTE NOT SPECIFIC ; VERIFIED AND UPDATED I disputed this with XXXX XXXX and they said they would resolve it back in XX/XX/XXXX. They sent it to collections and I disputed it with a different collection company and they verified with XXXX XXXX it was resolved. Now the above company is reporting a XX/XX/XXXX date and has provided no proof it is my account except saying XXXX XXXX says so. XXXX XXXX has no proof it is my account. Also, now it says the account wont drop from my credit bureau until XX/XX/XXXX instead of XX/XX/XXXX. The original dispute started in XX/XX/XXXX. Could I please get a copy of the original XXXX XXXX file that shows I created this obligation? Could you have this removed from all my credit reports or at least reported correctly instead of the dates they purchased this from XXXX XXXX.

I would continue this through XXXX but the button they have listed on their website to do this does not exist.

XXXX Online Dispute Service XXXX XXXX XXXX Help Resolution Summary We have completed verification of the investigation or changes that you requested regarding your XXXX Personal Credit Report. Please review these results carefully.

The results are listed below. If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our investigation. If an item says, " Deleted '' we have removed it from your credit report and taken steps so it does not reappear. If an item says, " Verified, no change '' it means the company that reports the information to us has certified it is reported accurately. If an item says " New Information Below '' you should look at the item carefully to see whether you believe it is now accurate. Sometimes the new information reflects only a change to a balance or date, because the company that reports that item to us has certified that the rest of the information is accurate.

If our investigation has not resolved your dispute, you have several options : You may submit another request for investigation by clicking " NEW INVESTIGATION '' above and indicating that you are filing a repeat dispute. By using this channel, you will be prompted to add additional information you feel is relevant to your dispute and you may upload supporting documentation.

You may print and complete a Request for Investigation form and return it, along with supporting documentation.

You may add a 100-word statement to your report. If you provide a consumer statement that contains medical information related to service providers or medical procedures, then you expressly consent to XXXX including this information in every credit report we issue about you.

You may contact the company that reports the information to us and dispute it directly with them. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly.

You may file a complaint about XXXX, or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office.

Investigation Results Current File File NumberXXXX Report DateXX/XX/XXXX Dispute Open DateXX/XX/XXXX NameXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Completion DateXX/XX/XXXX Account information ITEM DESCRIPTION RESULTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX # XXXX DELETED I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX # XXXX DISPUTE NOT SPECIFIC ; VERIFIED AND UPDATED View an updated copy of your XXXX Personal Credit Report Exit the Resolution Summary Click Continue to view an updated copy of your Personal Credit Report.

To learn more about the dispute process, visit our Help page.

XX/XX/XXXX XXXX XXXX. All rights reserved. XXXX Privacy Policy Terms of Use

01/07/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32808
Web
Collection XXXX This letter is being sent to you as a follow up on my previous validation request sent to your offices. Please note as well that my prior correspondence was signed for by your offices, so I know that you are in receipt thereof. You have failed to comply with my prior request, and as such are in violation of Title 15 U.S.C. 1692g, which requires you to, '' cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) of this section unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. '' I am also demanding validation of the following data DATE OPENED XX/XX/2019 this is not the date of the incident. They are in violation of the FCRA, and FDCPA. I have attached the case US VS XXXX, they are violating this specific part of the FCRA, and FDCPA! Amount Owed {$240.00} : This company is a XXXX debt buyer, there is no proof under FDCPA, and FCRA that the amount owed to them is the amount they bought it for! Date of last activity : XX/XX/2019 there has been NO activity on this account to reset the clock, and this information is incorrect. License to collect : this collection XXXX company is not licensed to collect in the state of FL. They refused to validate the account in violation of FDCPA, and FCRA! In light of your failure to provide any response to my prior letter, you should accept this letter as my demand that you provide me with competent evidence that I have any legal obligation to pay you. Additionally, you should also take note that if you have reported inaccurate information to any of the three major credit bureaus ( XXXX, XXXX or XXXX ) such reporting may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate to commence legal action. Notwithstanding the above, if you provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel regarding commencement of appropriate legal action. Improper activities by you may include listing any information to a credit reporting repository that is inaccurate or not capable of being validated. If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records so I am not forced to take legal action. I HAVE OBTAINED LEGAL COUNCIL REGARDING THIS MATTER! XXXX XXXX XXXX - XXXX of XXXX XXXX XXXX. IF YOU FAIL TO COMPLY, WE WILL BE FILING SUIT AGAINST YOU FOR VIOLATION OF THE FCRA Best Regards,
07/03/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33311
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX XXXX {$1300.00}
12/26/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30507
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Collection accountS : {$820.00} Date : XX/XX/XXXX ; Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX XXXX
08/24/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20910
Web
On XX/XX/XXXX, I gave birth to my daughter, XXXX, in an in-network hospital in XXXX, MD. I have insurance through XXXX. On XX/XX/XXXX and XX/XX/XXXX, XXXX was briefly seen by the hospital pediatric nurse practitioner, XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ( My regular pediatrican did not have rights at that hospital so we had to use the hospital 's contracted pediatrician. ) On XXXX XXXX, XXXX, XXXX sent me a letter with their fully requested bill of {$1100.00} asking for assistance in getting my insurance to pay them. I forwarded this information to XXXX. On XXXX XXXX, XXXX, XXXX paid XXXX XXXX a total of {$590.00}, which represented their in-network, 'reasonable and customary ' rates for the pediatrician services. I received a XXXX and an Explanation of Benefits to this effect, clearly stating that " We have arranged discounted rates with this provider. Your provider should not bill you for [ the balance ], it is a discount you receive by being a member of this plan ; '' and that my financial responsibility was {$0.00}. On XXXX XXXX, XXXX, XXXX sent XXXX and copied me on a letter asking again to be paid for their full amount of {$1100.00}. On that same day, XXXX XXXX, XXXX, XXXX sent me a bill for the remaining {$580.00} with a statement that " your insurance carrier advises the balance is your responsibility, '' which was misleading and patently untrue. They also sent me a letter to notify me of their appeal to XXXX and noted that " regardless of the outcome of the appeal, you will need to pay your co-insurance and deductibles. '' For this particular service, that was {$0.00}. On XXXX XXXX, XXXX, XXXX sent XXXX a letter in response to their appeal, upholding their original decision to pay a total of {$590.00}, adhering to their reasonable and customary rates. I did not hear anything further from either XXXX or XXXX about the matter for some months and had considered it closed. On XX/XX/XXXX, I received a letter from IC System , Inc, whom XXXX had hired for bill collection. They attempted to collect the {$580.00} that XXXX still wanted ( despite it being above reasonable and customary rates for these services ) and notified me that i had 30 days to dispute the charge before they would contact credit bureaus. I had been out of town when the letter arrived, so upon receiving it, I sent a letter on XXXX XXXX, XXXX ( postmarked XX/XX/XXXX ) to IC System disputing the debt, explaining the circumstances, and attaching a copy of the Claim from XXXX showing that my responsibility was {$0.00}. I sent a copy to XXXX by mail as well as to XXXX, online. On XXXX XXXX, XXXX, in response to my correspondence, XXXX told me via secure email that they would re-review, yet again, the claim from XXXX XXXX. That is between XXXX and XXXX ( personally, the reasonable and customary rate payment already made on XXXX of {$590.00} seemed appropriate to me ; but that is between them ). XXXX also attempted to contact IC System on my behalf but were denied, with IC System saying they needed my permission. I called IC System on XXXX XXXX, XXXX and disputed the claim again via phone while I waited for the mail to arrive. I also gave IC System my permission for them to speak with XXXX. I believe IC System and XXXX spoke on or about XX/XX/XXXX but I do not know what was said. I called IC System again on XXXX XXXX, XXXX and asked for an update but they said they had not yet processed my letter ( sent one week prior ). This is where things stand today. In sum : I owe {$0.00} to XXXX and therefore {$0.00} to IC System. XXXX was incorrect to hire IC System to collect this amount in the first place and IC System was incorrect to pursue it. I additionally wish to note that I believe Maryland, where I reside and where the XXXX XXXX were provided, has outlawed balance billing for situations where there is an in-network facility and an out-of-network provider ( as happened in this situation ).
06/27/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30033
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, Best Regards, XXXX XXXX XXXX
02/16/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 21207
Web
Dear I C System : I am responding to your contact about a debt you are trying to collect. You contacted me by postal mail, on XX/XX/2022 and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. Thank you for your cooperation.
03/25/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 71355
Web
I owned a house at XXXX in XXXX, Louisiana from XX/XX/XXXX to XX/XX/XXXX. In about XX/XX/XXXX-XX/XX/XXXX, XXXX had begun offering new DSL internet service in that neighborhood. XXXX advertised a " deal '' to entice new customers which included DSL internet service for about {$20.00} per month for the first 6 months of service. The " deal '' required the customer to purchase a DSL router ( from XXXX for about {$200.00} ) and included a rebate of {$200.00}. I subscribed to this service and began receiving monthly bills for the service a short time later. Days later, I also sent the rebate request form with all required information to receive the rebate as had ben advertised and promised. Contrary to what I had been told previously by XXXX representatives , XXXX technicians determined that the wiring in my neighborhood ( as well as on my property and residence ) was inappropriate for the XXXX DSL internet service. An XXXX technician laid and buried seemingly hundreds of yards of cable to service my house. Laying this cable also required unearthing about XXXX yards of my lawn, for which the unanticipated onus of restoring the destroyed lawn became mine. The DSL internet service functioned for a minimal amount of time once appropriate wiring was installed. Thereafter, many phone conversations with XXXX technical support staff were incurred at my time and expense. These attempts at resolving the failure on the part of XXXX to provide internet service as they had agreed were fruitless. XXXX technicians made several trips to work in my neighborhood and inside my residence for the benefit and functionality of their communications infrastructure ; I was required to be present at my time and expense. The problem was not resolved, and XXXX failed to provide the service for which I had purchased. On one occasion, an XXXX technician even expressed his dismay to me and considered XXXX " stupid '' and " greedy '' for initiating an offer for the DSL internet service with neither proper infrastructure nor proper preparation and consideration for their technicians in my locale to provide these new services. Usable and functioning DSL internet service was unpredictable, but the likelihood was always great for prolonged outages lasting for days. All the while, XXXX continued to charge me for the service for which the company did not provide. As ( dependable ) internet access became a more important requirement for satisfying the requirements of my job, I subscribed to Cable Internet with XXXX. I called XXXX concurrently to cancel my subscription, but XXXX representatives resisted my request for cancellation ; threatened to charge a cancellation fee ; and fused to investigate the status or issue my rebate ; despite XXXX having not provided services as agreed upon. In a subsequent phone conversation with XXXX representatives in the following days, an XXXX representative " closed my account ''. Even after this encounter, I received an additional bill ( for an amount less than {$100.00} ). After another phone conversation with XXXX representatives, I was informed my service had been terminated and my account had been resolved and closed. These encounters came at my time and expense. At no time have I since received any correspondence, notification, or communication from XXXX ( or any debt collection agency on behalf of XXXX ) informing me of any debt, outstanding balance, or account in collections. This evening, while planning to buy a house and having always paid incurred bills on-time and in-full, I was shocked my XXXX credit report indicated a past due amount of {$230.00} listed from an original creditor " XXXX FORMERLY XXXX '' under an account named " I C SYSTEM INC '' opened on XX/XX/XXXX. This is an improper and/or fraudulent charge, whether through the incompetence of XXXX or through a willful disregard for the law and misuse of a financial product.
01/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33444
Web
A. I have twice notified IC System ( " ICS '' ) in writing that I dispute the validity of the entire debt which ICS is attempting to collect from me. Both notifications were delivered to ICS within the 30-day window provided under XXXX XXXX XXXX ( a ). B. Accordingly, a debt collector ( " DC '' ) must cease collection of the debt, or any disputed portion thereof, until the DC obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the DC. XXXX XXXX. XXXX ( b ). C. ICS has not ceased calling me after I informed them in writing that I dispute the entire debt. ICS has further failed to provide me with any verification or evidence of a debt owed by me, as required under XXXX XXXX XXXX ( b ). D. In XXXX letters to ICS, I provided indisputable evidence that this debt is invalid. Such evidence included a statement from the " creditor '' for whom XXXX claims to be collecting a debt, showing that my account does not have a negative balance ; to the contrary, " creditor '' owed me a credit. I also attached evidence that the " creditor '' credited my account on XXXX XXXX, 2016. E. In XXXX letters, I notified ICS that I refuse to pay ICS anything, as no such debt exists, and that ICS that it is required to cease further communication with me. Accordingly, ICS is required to do so pursuant to XXXX XXXX XXXX ( c ). F. By law, after such notification, ICS may only contact me for the following reasons : ( 1 ) to advise the me that ICS 's further efforts are being terminated ; ( 2 ) to notify the me that ICS may invoke specified remedies which are ordinarily invoked by such XXXX ; or ( 3 ) to notify the me that the ICS intends to invoke a specified remedy. G. ICS has continuously failed its statutory duties, as it has proceeded to call me 3-5 times/day for the past 3 weeks following receipt of my first letter. ICS has left no message, nor have they mailed me any notification, stating that their efforts to communicate me are for XXXX of the XXXX lawful purposes allowed under XXXX XXXX XXXX ( c ). For this reason, I presume that the calls are unlawful under XXXX XXXX. XXXX ( c ). H. As these calls do not fall within the XXXX categories enumerated above, these calls may be considered an attempt to harass, oppress, or abuse any person in connection with the collection of a debt, as defined under XXXX XXXX XXXX. Federal law prohibits a DC from causing a telephone to ring repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. XXXX XXXX. XXXX ( XXXX ). Federal law also prohibits a DC placement of telephone calls without meaningful disclosure of the caller 's identity. XXXX XXXX. XXXX ( XXXX ). I. In its letter to me regarding the debt, ICS threatened to report my information to credit reporting agencies ( " CRA '' ). Before reporting my information to a CRA, ICS must conduct a reasonable investigation of a direct dispute. XXXX XXXX XXXX ( a ). After receiving a dispute notice from me, ICS must conduct a reasonable investigation with respect to the disputed information ; review all relevant information provided by the consumer with the dispute notice ; complete its investigation of the dispute and report the results of the investigation to me before the expiration of the period. XXXX XXXX XXXX ( e ). In addition, if the completeness or accuracy of any information furnished by any person to any CRA is disputed to such person by a consumer, the person may not furnish the information to any CRA without notice that such information is disputed by the consumer. XXXX XXXX. J. In light of the evidence presented by me, I have reason to believe that ICS still reported my information to CRAs, and has yet to correct such misinformation.
03/28/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70056
Web
Approximately a year ago I contacted XX/XX/XXXXXX/XX/XXXXto set up services. The worker could not deliver services, then I was transferred to multiple different departments and workers. The last worker I spoke with told me that they had to refuse services because I owed money to them from the last time I had services with them. The last time I had services with XX/XX/XXXX XX/XX/XXXX was approximately 3/4 years prior to this phone call that took place one year ago. I asked how much I owed and why I didnt receive any notices saying that I owed, and the worker responded that he couldnt tell me how much or any information because my account expired since it was so long ago and that he couldnt do anything to inform me because the company already submitted everything to collections. The worker transferred me to the collections agency ( this is not the same collections agency that is on my credit currently ). The guy I spoke with was a man who could barely speak XXXX, and said his name was XXXX. XXXX was extremely aggressive and pushy. I did not trust this source from the second he opened his mouth because of the way he spoke to me. He told me I had to pay within 20 minutes or the price would go up and he would make my credit score go down more and more every month. After asking him to help me further understand the situation he said all I can tell you is that you have 20 minutes to pay and the deal is if you pay with your checking account instead of a credit card, Ill take {$100.00} off the amount owed to collections. When he said that, I immediately got off the phone with this guy bc of how aggressive and fraudulent he sounded. I contacted my financial advisor and he advised me to let it go bc my credit score is good and I havent XXXX a single payment on anything. Up to the date of this event, I had not received a phone call, an email, or anything at all from XXXX XXXX saying I owed money. When I was in College and moved out from my rental with a roommate years ago, I specifically remember turning in all equipment and paying everything owed with my roommate and checking my account seeing a {$0.00} balance after all was said and done. I have not heard from XXXX XXXX or collections or any company at all. This whole incident competent blindsided me for 1. If someone owed me money, Id be emailing, calling, and doing everything possible to get the money. Yet, I was never notified or contacted AT ALL after informing XXXX XXXX of my move. 2. Why in the world would I have tried to get services with this company again if I had known what they did??? In conclusion, all of this was shocking and confusing to me. Remember, all of this happened about a year ago when I was made aware of this situation when I tried to call and get services. Here we are about a year later, and I just received an email yesterday from XXXX on XX/XX/2020 that i was turned into collections AGAIN. I check my credit report and file a dispute with XXXX, this is a whole new collections agency that I havent heard of and my credit score dropped 24 points because of this. Before my credit score was in the 750s Let me say again, still to this day I have NEVER missed a payment in anything in my entire XXXX years of life and I am so positive this is a complete fraud. A WHOLE YEAR AFTER MY PHONE CONVERSATION WITH THIS AGGRESSIVE XXXX, Im getting an entirely new collections submission. It makes no sense at all. They can not back up anything they claim with information or statements, I was never contacted by them at all, and I want this fraudulent hold on my credit lifted because I do not owe anything. I have done research and I have found that I am not the first person XXXX XXXX has done this to. I hope this situation can be solved and appreciate any help that I can receive to fully understand this matter and get to the bottom of it. Thank you for your time. - XXXX XXXX
10/04/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CT
  • 06836
Web Servicemember
UNITED STATES DISTRICT COURTFOR THE DISTRICT OF CONNECTICUTDocket No : XXXXMORANDUM OF LAWXX/XX/2015PLAINTIFFS OBJECTION AND MEMORANDUM OF LAW TODEFENDANTS " SECOND '' MEMORANDUM OF LAW IN SUPPORTOF DEFENDANTS MOTION FOR JUDGMENT ON THE PLEADINGSXXXX XXXX ( " Plaintiff '' ), objects to defendants second memorandum of law on motion for judgment on the pleadings ( the " Motion '' ) filed by Defendant I.C. System, Inc., ( " Defendant '' ) as follows : ORAL HEARING NOT REQUESTEDPRELIMINARY STATEMENTPlaintiff XXXX XXXX ( " Plaintiff '' ), objects and respectfully submits this memorandum of law in reply to defendants improper second memorandum of law in support of defendants motion for judgment on the pleadings which attempts to erroneously claim plaintiffs failure to state a cause of action which relief may be granted pursuant to Federal Rules of Civil Procedure ( " FRCP '' ) 12 ( c ) and 12 ( h ) ( 2 ). XXXX XXXX, Plaintiff, v. I.C. SYSTEM, INC., Defendant. 2Plaintiffs " Objection '' ( " Objection '' ) to defendants motion for judgment on the pleadings accurately applies to the defendants injurious acts and assaults upon plaintiff. Defendant called the plaintiff no less than 29 times in 30 days violating the statues under which plaintiff has brought his claims. Plaintiff successfully undercuts defendants, I.C. System, Inc. ( " defendant '' ). Defendant attempts to squirm out of accountability by claiming they never violated the TELEPHONE CONSUMER PROTECTION ACT ( " TCPA '' ) or CONNECTICUT PUBLIC ACT 14-53, codified C.G.S.A. 42-288a ( " CPA 14-53 '' ), " AN ACT PROHIBITING UNSOLICITED COMMERCIAL TEXT MESSAGES AND INCREASING PENALTIES FOR VIOLATIONS OF THE DO NOT CALL REGISTRY ''. Plaintiff justifiably seeks the Connecticut " statutory '' relief of {$20000.00} per call ( {$580000.00} ) plus the Federal " statutory '' relief of three times {$500.00} per call ( {$43000.00} ) for a total of {$620000.00} as stated in his original complaint regardless of whether he cross-motioned or not. Plaintiff objects to defendants motion for judgment on the pleadings and plaintiff objects to defendants inappropriate multiple memorandums of law ( which allegedly violates the judges local rule which states : " Sur-reply Briefs - Judge XXXX discourages the filing of sur-reply briefs and allows them only as necessary to address a significant issue or legal authority that has been raised by the opposing party for the first time in its reply brief. ) Defendant rejects this rule by filing again on the same issues. Defendant also violated local rules by filing the second memorandum of law after the five day due date required. Defendants motion for judgment on the pleadings should specifically be denied and plaintiffs complaint ruled upon in plaintiffs favor awarding plaintiff with {$620000.00} in statutory fines and court costs. 3STATEMENT OF FACTSDefendant called the plaintiff 29 times in 30 days against the plaintiffs wishes. EXHIBIT A shows absolute proof of evidence of each call made by the defendant, even after plaintiff told the defendant to stop ( a violation of .G.S.A. 42-228a ( 11 ) ( c ) ). Defendant is the defendant in over XXXX lawsuits filed for similar complaints as seen in EXHIBIT B. Defendant then claims that " in the interest of judicial economy '' defendants statement of facts is already asserted in XXXX XXXX ; yet defendant goes on for XXXX pages rehashing statutory arguments again ; not to mention the unnecessary attorney affidavit defendant filed which local rules discourage. Plaintiff would argue that there is not much room for the Court to maneuver when a statutory penalty is involved. If they did it they have to pay. The Court does n't decide the penalty because the statute has already decided it for the Court via the Legislature. ARGUMENTPOINT ISTANDARDS OF REVIEWDefendant has excessively called XXXX of XXXX District
04/02/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 78132
Web
I called XXXX XXXX XXXX to disconnect and cancel service for my DSL account in XX/XX/XXXX. I was not able to reach that dept via the automated system and after several days of failed attempts I went to the XXXX XXXX store at XXXX in XXXX XXXX TX. They were able to connect me to DSL customer service ; I was told by the rep that due to my troubles of trying to get through and constantly getting the wrong department within XXXX XXXX XXXX on their customer service line that my service would be backdated with a cancellation date of XX/XX/XXXX. Representative informed me I would receive a bill in XXXX. Advised that I did not owe that amount but due to their billing cycles the bill would still be generated so if I paid the bill I would be sent a check in the mail once the account was rectified. Just to be safe I paid the bill. However, that cancellation was not put through correctly by the representative. I did not notice there was an issue until XXXX. I called again and there was never a cancellation put through. They finally were able to effectively cancel the account in XXXX. I received a final bill in XXXX for {$120.00}. Those charges were incurred after my initial attempt to cancel and close the account in XXXX and are unauthorized/erroneous charges. I have been fighting with the company ever since to have that amount adjusted. I have been told numerous times they are crediting my account. After several months of this communication and nothing being resolved I started to worry they would send to 3rd party collections. I called again and XXXX XXXX XXXX placed an accounting hold on the account while it was taken care of. Then I started receiving letters from collections. One from IC Systems- whom i called immediately and filed a dispute. I have exhausted all avenues at this point and every time I call XXXX they say they will credit the account, but every month i receive the same past due bill. IC Systems will not do anything on my behalf ; all direction has to come from XXXX and XXXX has told me they will not contact IC Systems to recall the account from collections because the account has been credited. However, I am applying for a home loan and do not qualify for the best rate due to the collections debt from IC Systems on my report. I went to an XXXX XXXX XXXX branch today after being hung up on twice in the automated customer service phone line ; and was disconnected and hung up on in the branch with their rep as well. I have 2 letters ( via email ) from XXXX XXXX XXXX dated XX/XX/XXXX stating " Thank you for your recent call to XXXX XXXX XXXX XXXX. This is a confirmation that as of today XXXX of XX/XX/XXXX XXXX XXXX XXXX adjusted the bill with account number ****** under Mr. XXXX for a total amount of {$120.00}. If we can be of further assistance, please do not hesitate to call us on XXXX. We at XXXX XXXX XXXX XXXX value your business and look forward to speaking with you again. Sincerely XXXX, Service Representative XXXX XXXX '' I have another letter dated XX/XX/XXXX stating " This is to confirm that we have adjusted {$120.00} from your XXXX XXXX XXXX bill. This adjustment will reflect on your XXXX bill. We apologize for any inconvenience this may have caused you. If we can be of further assistance, please do not hesitate to call us on XXXX. We at XXXX XXXX XXXX XXXX value your business and look forward to speaking with you again. Sincerely XXXX, Sales Manager ATT Consumer Services '' I have no more avenues to explore to get this situation resolved. I am applying for a home mortgage to move my family for my husbands job relocation and am not able to qualify for the best rate due to this issue on my credit ; this one and only issue on my credit. Please help. I can reference additional employee numbers of whom I have spoken with during this 14 month battle to have this removed.
03/16/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • DC
  • 20016
Web Older American
We were clients of a XXXX hard line telephone service for ( 40 years ) and Internet service providers for over 12+ years. We no longer wanted a hard line phone as we did n't use it, it was a total annoyance, and my wife and I both had mobile phones. I got in touch with XXXX and explained to them my desire to discontinue our telephone service. ( I 've had this telephone for over 40 years. ) XXXX said that they could remove the phone line but they would only credit our monthly service bill for only {$4.00}. Our bills indicated that XXXX was charging us {$30.00} per month for just the telephone service. Due to length of time we were clients, we were no longer under any kind of service contract with them. We decided that XXXX was only interested in bilking us for service we no longer wanted or needed. They were also providing us with a very slow internet speed, a service they no longer, in fact, provided to new clients because, " It was too slow ''. My wife and I decided that it was time to leave XXXX because we no longer felt they were being ethical or reasonable in their business dealings with us. We found another XXXX who would provide excellent service, at a charge far less than XXXX, and treat us with respect and honesty. We ceased using XXXX services on XX/XX/2017. I called XXXX to discontinue service with them and return their modem, which I did immediately. At the very end of my conversation with the service representative to close our account he told me that XXXX would charge us {$150.00}. for a disconnection fee. I have been with the company for over 12+ years, we did not have a current service contract with XXXX , nor any written or verbal agreement that there would be any disconnection fees applied to us whatsoever. I asked XXXX to provide proof of this " contract ''. They never provided proof of a contract as they promised to do. Is this their way of conducting business with long-term clients? XXXX followed up by only sending us a non-itemized bill in an attempt to bury this fraudulent charge inside our final bill, without ever providing us with any proof of our responsibility for such a contract charge. They are not being ethical in dealing with us. They have not sent the proof we requested, but instead have turned the matter over to a collection agency. We absolutely dispute that after over 12 years service we were still under a " contract ''. This is a false claim on their part. Plus they are not furnishing us with a bill that itemizes and dates all charges. I find this a rather unsavory way to conduct business, especially with a long-term client. Yesterday, we received a letter from a collection agency working for XXXX without any itemization or explanation of charges. Just a final bill amount, without any documentation, nor " proof '' of a " contract '' which XXXX claims we had, but will not show us. How can we know what we are being charged for? We were also informed by a XXXX telephone agent over 6 months ago that we were " no longer under any contract with them currently ''. How do we go about having this {$150.00}. unsubstantiated charge for disconnection by XXXX dismissed? XXXX refuses to deal with this matter in a civilized way. They are demanding payment for something that they have not provided evidence of. This is unprofessional and arrogant on their part. We have always dealt with them in an ethical manner, they are not responding in kind. In my research on XXXX on the web I 've noticed that XXXX has a multitude of lawsuits against them for their poor business practices all over the USA. It appears as though I am not alone in my complaint against them for unprincipled business practices. They appear to be too big and powerful, that they feel the law does not apply to them. We need more choice, not more mergers! Competition will provide for better service. A
02/20/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 95404
Web Older American
XX/XX/XXXX Consumer Financial Protection Bureau I am being pursued by the XXXX Credit and Collections Office for a billing error from some time ago. This has been discussed and settled with XXXX Customer Service personnel several times. XXXX seems to be unwilling or unable to deal with this matter effectively ; now it has been turned over to debt collection agencies. This matter has gone on for so long without results, despite repeated attempts to deal with XXXX, that more effective action is required. The history is as follows : 1. We terminated service on XXXX account number XXXX XXXX XXXX for telephone and internet service in XXXX XXXX CA on XXXX XXXX, XXXX. An automatic bank payment arrangement was cancelled on XXXX XXXX. Both cancellations were confirmed in a telephone call with a XXXX XXXX of XXXX on XXXX XXXX. We opened a new XXXX ( telephone and internet ) service on XXXX XXXX in XXXX XXXX CA. 2. On XXXX XXXX I received a bill for {$130.00} which included billing for another month of the XXXX XXXX service which had been terminated. In a telephone conversation with " XXXX '' of the XXXX Customer Service dept. we were told the charges will be removed, it was caused by a " system glitch ''. 3. On XXXX XXXX I received a bill for {$120.00} which again included billing for the terminated XXXX XXXX service. Another telephone conversation with " XXXX '' : " do n't pay, a corrected bill will be sent. '' 4. In a new bill, dated XXXX XXXX I was again told I owed {$100.00} for the terminated service. Another telcon with a XXXX XXXX of XXXX on XXXX XXXX : " All charges are removed, your balance is XXXX, a final bill will be sent by mail. '' 5. A letter dated XXXX XXXX XXXX from XXXX Credit and Collections ( re account XXXX XXXX XXXX, as above ) states : " We recently sent you ... Failure to pay the outstanding balance on your bill by XXXX XXXX XXXX may cause your account to be referred to an outside collection agency. This could result in reporting your debt to the credit bureaus which may affect your credit standing. " Please pay, etc. 6. A letter, dated XXXX XXXX XXXX, from debt collector XXXX XXXX, XXXX informing me that the bill for {$100.00} had been referred to this collection agency. Please pay, etc. 7. A XXXX on XXXX XXXX with a XXXX XXXX XXXX of XXXX Customer Service : " The balance is XXXX ; ... with the next bill - XXXX - this will show. Do not worry about the debt collector, he will be informed by XXXX. '' 8. A telcon on XXXX XXXX with a XXXX XXXX XXXX at XXXX XXXX : " They will notify XXXX that the debt had been disputed, no further action needed on your part. '' 8. A letter dated XXXX XXXX XXXX from XXXX XXXX collection agency, states : " The account information is scheduled to be reported to the national credit reporting agencies in your creditor 's name ( listing XXXX XXXX ) if you fail to fulfill your credit obligations. '' Amount due : {$100.00} ; on XXXX XXXX Account no. XXXX ( sic ; note the difference from the no. in item 1. ) It is not credible that XXXX Credit and Collections Office is simply not aware of these cases, there must be many of them. It appears to be a practice of theirs to ignore the customer service inputs, and keep pursuing these settled cases in the expectation that they will eventually just give up and pay anyway, to avoid the nuisance and the repeated threats, and particularly to avoid a credit record problem. There seems to be no deterrent to them for such practice. These repeated attempts to bring threats by debt collection agencies, long after the original issue has been resolved, in fact amounts to a form of harassment and intimidation, and may even amount legally to a form of extortion. It needs to be dealt more effectively than simply by more letters or emails. The CPFB needs to get involved. XXXX XXXX.
11/26/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ID
  • 83263
Web Servicemember
On or about XX/XX/XXXX/XX/XX/XXXX we canceled our account with XXXX XXXX XXXX. I had signed a Monthly Service Plan that had a monthly term agreement and per page XXXX of our agreement stated : " no early termination fees are due if the agreement is terminated for services purchased on a month-to-month term. '' In XX/XX/XXXX I received a letter dated XX/XX/XXXX that our services were disconnected with a final balance of {$96.00} which may include equipment charges. When I called to let XXXX know I purchased all the equipment, they stated that the balance was for a termination fee. I stated that I did not have a termination fee on my contract and the representative let me know that the charges would be taken off. In XX/XX/XXXX, I received a letter dated XX/XX/XXXX, that stated we owed a balance of {$96.00} and that our account would be turned over to a third-party collection agency if we did not take immediate action. I called the XXXX XXXX Collection Department on XX/XX/XXXX and spoke for 25 minutes a representative named XXXX who stated that I owed the amount for an " early termination fee for canceling before XX/XX/XXXX. If had canceled after that month I would not have paid the fee. '' I let her know that I had a contract that stated that I would not have to pay the fee. She agreed to send me their electronic copy of the contract and that I could call back the following day. On XX/XX/XXXX at about XXXX I had multiple conversations with the collections and billing departments. Although I had a copy of the agreement that was sent by the previous representative on XX/XX/XXXX that stated I did not have to pay a fee, the billing supervisor ( ( I believe the name was XXXX ) stated that " it does n't matter what the contract says, you must pay a termination fee. '' When I asked if he had a copy of the contract to look at, he said no and that they were not given access to see it. When I asked him if I could send the contract to him as it was sent to me by the XXXX representative, he said there was no place to send it and restated " it does n't matter if you have one or who sent it from XXXX, I am required to collect the amount. '' After about an hour our phone line was disconnected. I believe it was on XX/XX/XXXX, that I called again and was routed to a phone number for the legal department. The number was not working, so I called again and after numerous calls again with billing and collections, I was routed to the Loyalty Department. After a conversation with the representative ( a woman ), she stated that she would be able to waive the termination fee within 3-5 business days. She also stated that " we do n't have to let billing know '' and gave me a ticket for reference # XXXX In XX/XX/XXXX I received a letter from IC System ( debt collector ) XXXX XXXX XXXX XXXX XXXX, MN for the collection of {$96.00}. I described the situation to the collector representative and they stated that I could pay off an amount of {$67.00}. I refused the payoff amount as this should not have gone to a collection based on the contract I signed with XXXX as well as the final resolution of XXXX Loyalty department. The representative stated she did not have a contact at XXXX to verify and that I could send the details to the collection agency. I sent a description of the events, along with a copy of the contract in XX/XX/XXXX. My XXXX credit alert monitor has not notified me that my account has now been picked up by yet another collection agency. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX At this point, it appears that I will have to discuss the situation again, and likely have the account continuing to bounce from one agency to another until I yield on a bill I should never had been charged for or hopefully have the CFPB step in to help.
01/25/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48228
Web
To whom it may concern ACCOUNT NO. : XXXX I.C. SYSTEM INC you are in violation of the FDCPA you are in violation of my consumer protection rights as a federal protected consumer remove this account that you have on a consumer from all three major credit bureaus immediately XXXX, XXXX, XXXX Pursuant to 15 U.S. Code 1692a Definitions The term " debt collector '' means any person who uses any instrumentality of XXXX XXXX or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. I.C. SYSTEM INC you are debt collector pursuant to federal law. . Pursuant to 15 U.S. Code 1692e.Falseor misleading representation A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) the character, amount, or legal status of any debt ; or If it is a debt I.C. SYSTEM INC is owed like you ( allege ) all charges you say I owe should be shown in the negative. This will be a False or misleading representation and this is violation Under FEDERAL LAW. Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except I am CEASE and DESIST all further communication with you I.C. SYSTEM INC. remove this account on the consumer from all three major credit bureaus immediately from XXXX, XXXX, XXXX. I.C. SYSTEM INC credit bureaus are use as a medium for communication so remove this account immediately. 18U.S.Code8-Obligation or other security of the United States defined The term " obligation or other security of the United States '' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes XXXX coupons, United States notes , Treasury notes XXXX gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States XXXX stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . Anything that is alleges owe is obligation of the UNITED STATES I.C. SYSTEM INC 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; I.C. SYSTEM INC send me my check for violating my consumer protection rights and for the actual damages you cause me and my family. Invoice will be sent for {$100000.00} to your corporation.
09/16/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30518
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20 I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MNXXXX RE : Collection accountS : XXXX ( {$250.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove these accounts from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX
03/25/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19148
Web
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION ) I C SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir or Madam : Your office has contacted me about a debt you claim I owe but which I have no knowledge of, nor did I consent to opening this account. My identity was stolen after my wallet was stolen with my social security card and drivers license. The purpose of this letter is to dispute this debt, which I do not believe I owe, and to request that you validate it by providing the documentation and information requested below. This is not a refusal to pay, but a lawful notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ) that your claim is disputed, and validation is requested. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Accordingly, please provide me with the following : 1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents with my wet ink signature, that prove without a doubt I agreed to pay what you say I owe ; 4. Identify the original creditor, the original date of the account and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I know that because I have disputed this debt in writing within 30 days of the date of your bill, you must obtain verification of the debt against me and mail these items to me at your expense. Additionally, you can not add interest or fees except those allowed by the original contract or state law. While you are not required to respond to this dispute, any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act. Also, be advised that I am keeping very accurate records of all correspondence from you and your company, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Therefore, if you have already reported this debt to any credit-reporting agency, such as XXXX, XXXX or XXXX, then you must immediately inform them of my dispute with this debt. Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws. Thank you for your cooperation, XXXX XXXX ; XXXX All rights reserved
07/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60628
Web
I.C. SYSTEM, INC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX XXXX the consumer never gave I.C. SYSTEM, INC any written consent to report anything on my consumer report. No consent is Identity Theft. Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave I.C. SYSTEM, INC any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation. Pursuant to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.. Who is the original creditor? I am, How? When I am given credit I am really receiving something that already belongs to me. Let me explain : my social security card is owned by the XXXX, so legally all my debts are the U.S debts. Now, let me get back to explaining how I am the original creditor. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below. Also, banks cant loan money, it is illegal for banks to loan money. This is why the FDCPA 15 USC 1692 never uses the term borrower. You see how I am the original creditor now? I.C. SYSTEM, INC is showing on my consumer report as the original consumer and this is furnished deceptively.
09/17/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60707
Web
****NOT A DUPLICATE**** Previously submitted complaint XXXX on XX/XX/XXXX via CFPB website! Company failed to respond directly to CFPB and closed out the complaint on XX/XX/XXXX. Company needs to respond directly to the complaint via CFPB portal! In the previous complaint, as well as this one, I advised that I give permission for the company to submit any information to the CFPB. This company continues to violate my rights under FCRA guidelines! The company claimed to have sent their response directly to me because they couldn't verify that it was me who submitted the complaint against them, but they also never verified it was me before reporting and adding negative derogatory information to my credit report! They've never sent anything else to me before now! Never contacted me before now! I will continue to submit complaints until they respond with an answer on the CFPB website and submit a letter on company letterhead advising that they have deleted all negative information being reporting illegally. Who else would be filing a complaint against them for fraudulently reporting information on MY credit? They're using this as a stall tactic to gather more information about me in an effort to harass me or fraudulently use my personal information!! I don't want to be contacted by ANY OTHER means EXCEPT this portal! ****READ THE FOLLOWING ENTIRELY**** I received an alert from the credit bureaus that this collection account was added to my credit report on XX/XX/XXXX. When I logged into my credit monitoring service the information listed reflects that the collection agency I C System, located at XXXX XXXX XXXX XXXX XXXX MN, XXXX. Phone XXXX states that the partial account number XXXX was opened with them on XX/XX/XXXX in the amount of {$530.00} and that the original debtor is XXXX XXXX. I have never heard of this debt collector prior today. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 4 times today ... ( Calls were recorded on my end )! To find out more information and to dispute the account. I was transferred to various departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've ever married or divorced, if I've ever used any aliases and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted, violated and harassed. I felt as though the company was a fraud! Illegally trying to get my personal information to scam me. ****THE FAIR DEBT COLLECTION PRACTICES ACT STATES THAT A DEBT COLLECTOR MUST SEND THE CONSUMER A WRITTEN NOTICE CONTAINING THE AMOUNT OF THE DEBT, NAME OF CREDITOR AND A STATEMENT STATING THAT THE CONSUMER HAS 30 DAYS TO DISPUTE THE VALIDITY OF THE DEBT OR THE DEBT WILL BE CONSIDERED VALID BY THE DEBT COLLECTOR. IF THE CONSUMER FAILS TO DISPUTE THE DEBT WITHIN THAT 30 DAY TIME PERIOD DOES NOT GIVE ADMISSION OF LIABILITY! IF THE AGENCY DOES NOT FOLLOW THIS PROCESS THEN THEY HAVE NO RIGHTS OR GROUNDS TO COLLECT OR REPORT THE DEBT TO ANY CREDIT BUREAUS AND MUST IMMEDIATELY REMOVE THE DEBT DEBT FROM THE CONSUMERS CREDIT REPORT! XXXX The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail.
02/17/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06360
Web Servicemember
XXXX XXXX XXXX XXXX XXXX, CT XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account RE:XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please do not Call me on the phone only contact me by Mail or by CFPB portal.
07/06/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30009
Web Servicemember
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
05/19/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • UT
  • 84070
Web
I was in a car accident in XX/XX/XXXX, eventually I needed XXXX and that took place on XX/XX/XXXX at XXXX XXXX Hospital ( managed and billed through XXXX XXXX ). I had hired an attorney to help manage the accident claim ( as it was not my fault ). During this process, my attorney and his office worked on a settlement with the at fault parties insurance in order to get the medical bills paid. I had made arrangements with many providers, as had my attorney made contact with providers. In XX/XX/XXXX, I was contacted by I.C. Systems at the request of XXXX XXXX for a collection effort. However, this collection effort was invalid as arrangements were in place. At the time, I had asked XXXX XXXX to pull the account from collection as they would be getting a check from my attorneys office to pay a balance due with them ( in addition to the payment plan I was already on ). They pulled the account from I.C. Systems In XX/XX/XXXX. In XX/XX/XXXX my attorneys office sent a check to XXXX XXXX for the billed amount of {$1500.00} for the XXXX at XXXX XXXX Hospital dated XX/XX/XXXX. XXXX XXXX was aware this check was coming to pay the balance. XXXX XXXX got the check, however returned it to my attorneys off. Now fast forward to XX/XX/XXXX, I get a letter in the mail saying that I.C. Systems was going to be collecting on the account for the XX/XX/XXXX XXXX and this could negatively impact my credit. To no fault of my own, nor my attorney - XXXX XXXX rejected the check sent to them in XXXX to pay the bill. They then sent my account to collections - which they were not permitted to do as they had payment arrangements that they rejected. I am in the process of purchasing a home and any negative activity on my credit ( which currently my credit is great ) could impact that process and cost me financially in the short and long term, if not compromise my home purchase all together. This is unacceptable that they would send my account to a collections agency knowing they were getting a check, then reject the check and mail it back to my attorney ( who finally got the check back in XX/XX/XXXX ). I attempted to call and work this out with XXXX XXXX - they were disinterested in helping pull the account from collection even though they were at fault for the rejected check. I informed them I would file a complaint with the CFPB and told them I would be informing my attorneys office of their decision. I also contacted I.C. Systems and informed them of this information as well. I have contact my attorneys office, they are aware of this situation. I am considering legal action, as this should be a violation of the FDCPA and all parties who are in the process of collecting are in violation. Any impact this could have on my credit will not be acceptable, any delays in their further responses will not be acceptable. Any problems this may causes me to my home purchase, or my stress, time and effort spent on this will be considered by me in the process. Additionally, I have another bill with XXXX XXXX XXXX and XXXX. They were also sent a check in XXXX and have yet to acknowledge that check. They have sent me a bill stating that the account is in pre-collections. I have spoken with them about their billing and check as well as of XX/XX/XXXX. This is absolutely unacceptable. XXXX XXXX billing should be ashamed of themselves, as should I.C. Systems for being party to violations of the FDCPA. I have asked XXXX to have a manager call me back as of XX/XX/XXXX. I ask the CFPB to investigate Intermountain Healthcares billing practices, and agreements with I.C. Systems. Their staff is poorly trained, and has no genuine concept of the FDCPA.
03/17/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30071
Web Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX I.C. SYSTEM, INC /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX RE : Collection account XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX.
01/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30084
Web Servicemember
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Previous letter XX/XX/2019 XXXX : XXXX XXXX XXXX XXXX XXXX, IC System, XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
10/16/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OK
  • 73008
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX XXXX Fair Debt Collection Practices Act : XXXX : XXXX CREDITOR CONTACT INFORMATION : IC System Inc. XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX THIS COLLECTION IS FRAUDULANT, I STILL HAVE XXXX XXXX XXXX XXXXXXXX XXXX AS WELL AS XXXX XXXX XXXX CELL PHONE SERVICE. THIS COLLECTION NEEDS TO BE DELETED PERMASNENTLY! Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
01/07/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76116
Web
I.C. Systems, Inc has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They haven't been able to provide sufficient debt validation information to show they are the original creditor and the debt hasn't been validated by myself. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. According to 15USC 1692g I.C. Systems, Inc has failed to provide all of the information required in the law below as well. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to Texas Finance Code Sec. 393.202 the collection agency has repeatedly violated the code below by utilizing the stall tactic in their response letters without providing any validation of the alleged debt. d ) If the third-party debt collector states that there has not been sufficient time to complete an investigation, the third-party debt collector shall immediately : ( 1 ) change the item in the relevant file as requested by the individual ; ( 2 ) send to each person who previously received the report containing the information a notice that is equivalent to a notice under Subsection ( c ) and a copy of the changed report; and ( 3 ) cease collection efforts. ( e ) On completion by the third-party debt collector of the investigation, the third-party debt collector shall inform the individual of the determination of whether the item is accurate or inaccurate. If the third-party debt collector determines that the information was accurate, the third-party debt collector may again report that information and resume collection efforts.
12/01/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • KY
  • 42701
Web Servicemember
I currently serve in the military and have been for the past 16 years and have relocated XXXX times. I 'm aware of the process and my responsibility of disconnecting services ( i.e.cable, internet, etc. ) I relocated XX/XX/2016 from XXXX, knowing my final date in advance I scheduled all my utilities to be disconnected. Mysteriously, between XXXX and XXXX I did n't disconnect my services ( although I have emails stating I did ). I left XXXX in XXXX and paid my final bill to XXXX with my disconnect date of XX/XX/2016. I was charged for the months of XXXX although not only do I have the disconnection email, I moved from XXXX to XXXX. I called and called in an attempt to figure out what this harassing email was regarding a payment. XXXX informed me I do n't owe anything with XXXX I owe XXXX, XXXX told me I did n't owe them anything I am actually scheduled for a refunded credit that will arrive in the mail. I have emails to support this from XXXX to XXXX. Having thought I finalized this dispute. I received a letter on XXXX XXXX 16 from a collection agency stating I owed XXXX XXXX. I called XXXX - I was told by a " XXXX '' I do n't owe anything, I called XXXX I was told I do n't owe anything and it 's from XXXX. I called XXXX again, explaining I spoke to XXXX and then I was transferred to a woman named " XXXX '' in the XXXX Department who demanded me to pay the XXXX. When I asked, " what is this charge from, what am I paying for when I have n't lived in XXXX since XXXX ''. XXXX informs me " it 's a charge for XXXX and XXXX that XXXX paid XXXX on my behalf I owe XXXX ''. I asked XXXX " How do I owe for XXXX and XXXX - when I did not reside in XXXX and I paid my final bill, and I have the emails to prove that intact, I am the one who is due a credit from XXXX ''. She stated I was getting disrespectful and refused to hear what she was stating. I asked to speak to her supervisor and she refused and said her supervisor was busy. I clarified with her what was stated " I am a customer and you 're telling me I can not speak to your supervisor ''. XXXX then tells me " my supervisor is unavailable and I can place a request if for them to contact you in 72 hours ''. I tell XXXX, yes, do that and ensure they call me in 72 hours. XXXX than goes on demanding payment again, and I end the conversation. I call XXXX, " XXXX '' tells me I was refunded on XXXX though my bank account. I inform " XXXX '', I 'm checking my bank now, and there is no such refund. XXXX informs me, " I see that we credited your bank account on XXXX ''. She places me on hold for maybe 5 mins and returns and states " I misspoke, there was a " card '' sent out to you at your address with a refund. I inform " XXXX '', I have not received a refund - and I tell, first you tell me you see that my bank account has been credit, now you 're saying a " card '' has been mailed to me ''. She returns with " I told you I misspoke and I have a number you can call to check the status of the refund " card ''. XXXX gives me a number, and of course the agency is closed. I have never been treated in such a manner as if I 'm someone who does not pay my bills. I am a XXXX. XXXX XXXX, with 16 years of Service and I have NEVER been as disrespected and treated like I 'm some " criminal '' when I 'm asking how do I owe money, and NO ONE from XXXX or XXXX or the " Collection Agency '' ( IC System ) could give me a straight answer. I am outraged and livid with the way these XXXX agencies have treated me. I have never felt more humiliated from the way I was treated and spoken to as if I do not pay my bills.
12/31/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31705
Web Servicemember
XXXX and these company have admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over three years ago. With the help of these thieving collection companies, my personal information is being used all over Georgia with impunity. I have been targeted by criminals about 4 years ago, or so. They are mendacious in saying this breach started in XXXX 2017. In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. These collection companies know very well these are no my accounts ; however, these collection companies are seeing XXXX in the water, they are focused like the sharks they are. We must close these collection companies that unabashed in ruining Veterans and XXXX XXXX Family Members credit reputations. They are still with this trickery and foolery. I need to know what could be done to these companies criminally. Those accounts are either, fraudulent, my daughter, or my son. However, it didnt matter to them because it is vengeance, and revenge against me for filing a complaint, and letting other consumers know. This is unacceptable and unenforceable, and this is an unscrupulous bid by these companies to inject itself from legitimate deed against them. They are more disturbed at me, and worried about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals supplies by these collection companies and XXXX. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. Lock-up these managers at the collection companies, and XXXX. These are smooth and courageous criminals. This situation emerged since my personal data is cherished to thieves, and XXXX and these collection companies are in the business of making money legally, or illegally. These companies are much more than a credit reporting agency. It is a data broker, and thieves living like XXXX XXXX. It collects information from all of us, analyzes it all, and then sell them. They retaliated against me for filing a complaint with C.F.P.B. This retribution came instant within hours after I filed. As a Veteran who fought for this country, and a XXXX XXXX Family Member. They dont care who they XXXX over to save their brand and they thieving ways. These are authentic and true words. Basically, this quote is stating what I am complaining about, that these companies dont care. I learned this the hard way after these companies caused me to lose my V. A. loan, they are creating havoc in my life. They are strongly aware that nothing will happen to them since they believe they are too big to fail. I am forwarding this complaint to XXXX XXXX, and seeking her help to stop criminalizing this Veteran, and this XXXX XXXX Family member. I am filing this again because they admonished, and castigated me for filing an earlier complaint. XXXX and these companies are mafias and gutless wonders! Why would they put these negative accounts on my credit file that doesnt belong to me, except mere retribution? I faxed my credit report, two police reports, and F.T.C. fraud affidavit to XXXX XXXX for protection. They are too stubborn and too crooked to satisfy the consumer, and they are too concerned about XXXX, and these companies brand at the expense of a Veteran, who is a XXXX XXXX Family Member too. This is very sad, and they must punish.
10/07/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 39815
Web
I C System is reporting on my credit for a unknown hospital bill 15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev | next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. ( Pub. L. 90321, title VIII, 809, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 879 ; amended Pub. L. 109351, title VIII, 802, XXXX XXXX, XXXX, XXXX Stat. XXXX. )
04/22/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 46235
Web
RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if your company or the company that you represent finds any negative mark on any of my credit reports, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92020
Web
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 12. XXXX Account Number : XXXX Please remove it from my credit report. 13. XXXX Account Number : XXXX Please remove it from my credit report. 14. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 22. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 25. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 27. I C SYSTEM Account Number : XXXX Please remove it from my credit report. Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
03/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48603
Web
XX/XX/XXXX started new phone service for my business with XXXX XXXX confirmation # XXXX. I will attach a copy of the XX/XX/XXXX bill showing service active. I called and was on the phone with XXXX XXXX XXXX for over 30 minutes as I was moved around when I advised I was cancelling my service. XXXX XXXX XXXX XXXX XXXX recorded me on a call and advised XXXX XXXX XXXX would be legally advised regarding the switch to XXXX XXXX XX/XX/XXXX. XX/XX/XXXX I received a XX/XX/XXXX to XX/XX/XXXX bill from XXXX XXXX XXXX. I contacted XXXX XXXX and she confirmed my service started XX/XX/XXXX with XXXX so that should be the last bill. I tried to go online at XXXX XXXX XXXX to confirm but my online account was closed. XX/XX/XXXXI received a XX/XX/XXXX to XX/XX/XXXX bill from XXXX XXXX XXXX. I tried to call but was rerouted and put on hold for over an hour. I went to online contact with XXXX XXXX XXXX. I advised XXXX XXXX XXXX of the bill for which I did not have service or even an open account but again was redirected. I copied & pasted this electronic conversation and will attach. I also sent a letter to XXXX XXXX XXXX on XX/XX/XXXX to the address on the bill. XX/XX/XXXX I received a letter from XXXX XXXX XXXX to which I responded XX/XX/XXXX with documentation showing the switch to XXXX XXXX and my correspondence with XXXX XXXX XXXX. I never received any additional contact from XXXX XXXX XXXX. XX/XX/XXXX I received a phone call at work from XXXX XXXX of XXXX XXXX XXXX advising I owe XXXX XXXX XXXX. I asked for a copy of what I owe them and he said that would take a long time to obtain. I explained who would pay a bill they owe but never received? At least 3 phone calls from IC Systems were received over the next 2 weeks asking for payment without any documentation. I told them to stop calling until they produced a bill that I owed XXXX XXXX XXXX. XX/XX/XXXX I received an email from XXXX XXXX with the XX/XX/XXXX to XX/XX/XXXX bill from XXXX XXXX XXXX. XX/XX/XXXXI explained in writing and with documentation my service was with XXXX XXXX on those dates, I had contacted XXXX XXXX XXXX numerous times by phone, electronically and in writing 2 times. The phone calls continue, emails from XXXX XXXX continue with no response to the statements or documentation I presented. They just keep sending emails with the same bill I do not owe XXXX XXXX XXXX because my account was closed and my service with XXXX XXXX. XXXX XXXX XXXX contacted me once every 3 months in XX/XX/XXXX & XX/XX/XXXX trying to sign me up for their service. I explained poor service from XX/XX/XXXX to XX/XX/XXXX is why I left and would not return in the last solicitation in XXXX. I then began receiving debt collection communications. XX/XX/XXXX I responded to the latest email from XXXX XXXX of IC Sytems with a cease contact request and that I would be filing this complaint to stop the emails and phone calls to my business. I also sent IC Systems a written letter with the same information and requested copies of any filings with a credit bureau for the erroneous charge. I would like to file a formal complaint against XXXX XXXX XXXX and IC Systems for bullying and intimidating consumers. This affects my business, employees taking these calls, my time and emotional distress with the concern of bad credit for something I do not owe. I requested we take this to court if they are serious, but I doubt they will because I have proven they only have a case of poor service and intimidation.
06/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34608
Web
Company 's Response Re : IC System Reference No : XXXX Credit Bureau Account Number : XXXX Dear XXXX XXXX : Thank you for contacting IC System, Inc. We appreciate the opportunity to assist you in this matter. Your dispute has been noted. To resolve this, IC System has requested the credit reporting agencies delete any reference to this account from your credit file. You may wish to check with your local credit bureau in 30 days to ensure that your credit file has been corrected. However, a balance of {$460.00} remains unpaid and is still due and owing. XXXX XXXX, the original creditor, has provided the attached information verifying the account. XXXX XXXX is both the original and current creditor to whom this debt is owed. We hope this information is helpful. Please contact our Consumer Affairs staff if you need additional assistance. We are a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Sincerely, XXXX XXXX Consumer Affairs on behalf of IC System, Inc. Toll Free No : XXXX Mon-Fri XXXX XXXX - XXXX XXXX CT Payment Address IC System, Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX NOTICE Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, we will assume this debt is valid. If you notify us in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, we will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you make a request in writing within 30 days after receiving this notice we will provide you with the name and address of the original creditor, if different from the current creditor. Attachments Validation, XXXX XXXX ( 22.7 KB ) Feedback provided Status Feedback provided on XX/XX/2018 Your feedback The companys response addressed all of my issues Yes I understand the companys response to my complaint Yes ADDITIONAL COMMENTS They say that they are going to do one thing and they do another. They are still corresponding with XXXX and they did not follow through with what they said tin the letter. As opposed to deleting it as they said in the letter, they reaffirmed it. The company did what they said they would do with my complaint No ADDITIONAL COMMENTS They did not follow through with the instructions to delete. They have re confirmed that 3 times in the span of 10 days. I got 3 notices saying that your credit file has been updated. What happens now? The complaint process is complete and your complaint is now closed. We have taken the following additional actions on your complaint : We added your complaint to the CFPBs Consumer Complaint Database. Your feedback, and feedback from others, helps us understand how companies are addressing concerns raised by consumers in their complaints. We will also share your feedback with the company. We have also shared your complaint with the Federal Trade Commission, which will add your complaint to its database for state and federal law enforcement agencies. We appreciate your participation in the complaint process and your feedback on the companys response. Both are important to us and consumers who may have similar issues and concerns. Closed The CFPB has closed your complaint. This the letter I received from IC Systems saying they would instruct XXXX to remove this from my file but instead they reconfirmed it.
07/16/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19138
Web
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1970 XXXX To Whom it May Concern, I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting. 2. Verification of their claim against you, that is, a signed Invoice. 3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' First off, my address is listed above. This is my one and only address. I have never resided at : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX Please remove all addresses that are not the following listed below from profile XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary I C SYSTEM XXXX XXXX XXXX XXXX XXXX I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
06/11/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60644
Web
I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : Due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
08/01/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32810
Web
This letter is being sent to you in response to your intent to collect a debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collections Practices Act, 15 USC 1692 SEC. 809 ( b ) that 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 above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the Statue of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletions request shall be sent to me immediately. I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX XXXX CC : Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX CC : XXXX XXXX, Florida Attorney General XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX
04/19/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33947
Web
I filed a credit card dispute against XXXX, for {$560.00}. On XX/XX/XXXX, XXXX credited my account for {$560.00}, and never sent me a document stating the final outcome of the dispute. I spent over 30 hours from the time of the start of this disaster to the time I am taking to write this letter, and nothing is over. I received multiple letters from IC Systems, a collection agency, telling me to pay XXXX. Throughout this ordeal, I have contacted XXXX on the phone, and was verbally told that I had indeed won the dispute, prior to XX/XX/XXXX, when I had sent 3 letters, to XXXX, IC Systems and XXXX, which I am attaching to this case. Everyone ignored my letters, and instead, I received yet another letter from IC Systems telling me to pay XXXX. I called XXXX again on XX/XX/XXXX, finally reached a manager and was explicitly told that I won the dispute, and that XXXX never responded to the dispute, rendering them to lose the dispute, and that I was going to get a letter stating that I won the dispute. Instead, I get a letter dated XX/XX/XXXX stating that the dispute is just starting from the beginning, and XXXX has 90 days to fight back, and I have to keep my evidence to possibly fight back against XXXX. I was explicitly told that XXXX never responded to my dispute and that they lost by default, all on the phone. So hear this - hypothetically, if I recorded XXXXXXXX on the phone, then I could go to jail for illegal recording - so I recorded nothing. But now, I have no evidence of that phone call, and it is as if all this disaster which I went through was for nothing. XXXX already admitted their own incompetence in the XX/XX/XXXX letter. They admitted to crediting my account for {$560.00} on XX/XX/XXXX, meaning the dispute started on XX/XX/XXXX. This means that XXXX had 90 days ( as evidenced by the end of the letter ) to fight back, but they didn't, they sat back and ignored it ; this means XXXX lost by default. Now XXXX is saying they are giving XXXX another 90 days to respond! I legally had to keep my evidence of the dispute during the dispute 's lifespan, which ended way before the XX/XX/XXXX letter. However, XXXX is telling me that I should keep my evidence until the dispute is over! This is fraud beyond fraud, and were it not for the COVID-19 situation, I would take all 3 companies to court and sue them for my lost wages during the time I am dealing with them, possible unwarranted damages to my stellar credit history, and other damages. I am attaching all the evidence, and I am ready to testify in court if I have to, because I am disgusted of me as the customer being destroyed by these corporations who think they are above the law. I work during the day. I do not answer the phone. I am working. I only communicate by email. Although I legally don't have to, because I already won my credit card dispute, and the statute of limitations already expired for it, I am attaching pictures showing the job which XXXX did. Unfortunately, I am a nice guy, and I didn't plaster these pictures over the web when everything first happened, but perhaps I will spend another hour of my time, making it a total of 31 lost hours, and make this story known all over the place, which they deserve. And also, to the XXXX rep who gave me an unsolicited phone call a few weeks ago, what he did was illegal, and would have been dealt with already, if were not in a quarantine due to COVID-19 right now.
10/16/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34243
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX XXXX : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law XXXX XXXX. XXXX : https : XXXX Fair Debt Collection Practices Act : XXXX : //www.ftc.govXXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : IC SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX I apologize for the confusion on my original dispute. The truth is that there are issues with every negative item on my credit report. The reason is because I am not the authorized responsible party on any of the previously posted disputes. Therefore, I request the following procedure for the above posted creditor : 1 ) Please review who the responsible party is on the credit tradeline. 2 ) If I am only an authorized user, then the tradeline on my credit, and the corresponding collection will also need to be permanently deleted. 3 ) I must be given notice that a release of responsibility has been sent to me in written form for my records. 4 ) I have full appreciation to the CFPB for your great help in this matter. 5 ) The above referenced account and/or collection must be deleted. The responsible, if any would be my husband, who was only trying to help his wife establish credit. It did not work out as planned. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
03/25/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95812
Web
In XXXX of XXXX I took my dog to XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, CA. They told me that if I signed up to pay a regular monthly fee of {$44.00} that they would cover the costs of my pet 's care through their wellness plan. I agreed to pay the {$44.00} + {$20.00} to start the plan, according to the vet 's office. I brought my dog in XX/XX/XXXX for a follow-up booster shot and paid separately for an ear cleaning that the XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX stated was not covered because XXXX had suspended the plan. At the time I did not know the reason why, so I paid for the services that day. I never received any paperwork following my initial payments, nor did I receive any delinquency notices. I did not bring my dog to XXXX after XX/XX/XXXX because of the plan suspension, which I did not know how to resolve. I received a call in XX/XX/XXXX from XXXX 's customer service. The customer service rep said that they were unable to charge my card since XX/XX/XXXX. I tried to troubleshoot the issue over the phone with her, but nothing was working. I followed-up with my credit card issuer, and eventually found that my credit card company had flagged XXXX XXXX XXXX as fraud because XXXX was repeatedly trying to charge my card more than once per day. I called XXXX back after receiving this information from my credit card company and asked XXXX to extend the membership period to account for the time I was unable to use the plan while this issue was occurring, due to their own erratic collection practices ( basically 2-3 months ) and XXXX refused XXXX Therefore, I asked to cancel the plan so I would no longer have to pay. The woman I spoke to assured me that it was cancelled and that I would receive a letter in the mail. Then, I received an email in XX/XX/XXXX from XXXX. The email stated that I was still being held responsible for the monthly cost of {$44.00} for 12 months and that IF I wanted to cancel my plan I would still have to pay approximately {$500.00} for the remaining 11 months on the plan. I explained that I had already cancelled the plan a few months prior. I also asked if I would re-gain use of the plan if I paid the approximately {$500.00}. XXXX refused to respond to my question in writing and told me to call them. Since they did not cancel my plan as requested over the phone previously, I felt it would not serve the situation well to speak to them on the phone again due to their obvious dishonest over cancelling the plan several months before. On XX/XX/XXXX I received a notice from I.C. System Inc. stating that they are trying to collect a debt on behalf of XXXX XXXX XXXX. The letter states that XXXX is both the original and current creditor to whom the debt is owed. They are asserting that I owe XXXX {$490.00} which is essentially 11 months of the plan. However, there is no mention of regaining access to the wellness plan if I pay the amount. Essentially, XXXX is calling this amount the cancellation fee to the plan. I was not informed that this would be the case. There was never any mention of having to pay the monthly cost of the plan regardless of my access to it. I believe this to be purposely orchestrated by XXXX XXXX XXXX to collect money from consumers that their business does not actually earn. They were not transparent about any cancellation fees or costs to terminate the plan at the time I signed up.
07/20/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32818
Web Servicemember
date opened on this collection was XX/XX/2021 and the collection amount is XXXX. I do not know what this debt is from, but it isn't mine and I signed no contract for this collection or debt. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the FTC will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Section 609 refers to a section of the Fair Credit Reporting Act ( FCRA ) that addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports. 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] 607. ( a ) ( b ) ( c ) Compliance procedures [ 15 U.S.C. 1681e ] 611 - 15 U.S.C. 1681i Reasonable policies and procedures concerning the accuracy and integrity of furnished information ( 12 CFR 222.42 ) and Interagency Guidelines ( 12 CFR 222, Appendix E ) Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. In developing its policies and procedures, a furnisher must consider the Interagency Guidelines and may include its existing policies and procedures that are relevant and appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness. Direct disputes ( 12 CFR 222.43 ) General rule. A furnisher must conduct a reasonable investigation of a direct dispute ( unless exceptions, described later, apply ) if the dispute relates to : 1 ) The consumer 's liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identify theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; Duties of a Furnisher after Receiving a Direct Dispute Notice from a Consumer. After receiving a dispute notice from a consumer, the furnisher must : 1 ) Conduct a reasonable investigation with respect to the disputed information ; 2 ) Review all relevant information provided by the consumer with the dispute notice ; 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of investigation findings and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
09/02/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98104
Web
XX/XX/2019 : I receive a cat, and am concerned about the fact that she's drinking/XXXX excessively ( literally drinking a half-gallon per day ). I took her to XXXX in XXXX, and after a 5 min inspection and several attempts to pressure me into a wellness plan, they tell me she's fine with no testing at all. This was with XXXX XXXX. XX/XX/2019 : One of my two cats is XXXX XXXX, and we decide to take him into XXXX. We went to the XXXX XXXX location, where we saw XXXX XXXX. After running several tests ( and {$900.00} later ) they tell me there's nothing wrong with him. I then inform the Dr that my other cat has some issues with her XXXX and that XXXX XXXX said she was fine just a few months prior. A few days later : I was convinced to bring my cat back to the XXXX ( the one I adopted in XXXX ) so they could run additional tests to prove whether or not she was actually sick ( since they ran zero tests before telling me she was fine in XXXX ) and they informed me nothing was wrong yet again. During this visit, they convinced me to sign up for a wellness plan with a spay, because I was informed she would surely get XXXX XXXX if I didn't. This was now the second chance that the Dr 's have had to examine her. A few days later again : I get a call from the original location in XXXX ( with no communication from the XXXX XXXX office about her tests results ) that she needs to come in immediately for a comprehensive exam. at this time, I called the XXXX XXXX office asking for the test results, and an employee promised a call back by the end of the day. XXXX rolls around and I call again, only to be told it was the employees last day and they must have forgot to tell someone, so sorry we will call you tomorrow ( they did, still no real results ). During the visit to the XXXX XXXX ( the 3rd time they've had a chance to examine her ) they put me on the schedule for a spay the next week. Today : I went in for the scheduled XXXX, and a few hours later I get a call that the Dr. found a tattoo and scar on my cat AFTER PUTTING HER UNDER XXXX AND SHAVING HER that indicates that she was ALREADY XXXX!!!! Stay tuned, I'm still fighting with them to let me out of the wellness plans for my two pets ( not even a month later ) and I'm now being told that there were an additional {$600.00} in ADDITIONAL charges that were " billed to the plan '' that I would have to pay to cancel!!! If you're still not convinced, please see the countless reviews from former employees online here 's a quote from one " Pay is based on production ; as an example, you receive {$0.00} production for exams on patients on wellness plans! Minimum {$2400.00} billed services/ day. if not, you guessed it- not meeting production! Further, you are forced to push all sorts of ad ons, many increase hospital revenue but add nothing to your daily production. Sense a trend? '' At this point, I've spent well over {$1000.00} with no answers as to what is wrong with either of my cats, and I've wasted a crazy amount of time with these clueless XXXX 's. Save yourself the trouble and just go somewhere else. I called their corporate office about this issue and was not only talked over and laughed at but they literally haven't even acknowledged their wrong doing or apologized. I have attempted to call them SEVERAL times, including today with no callback.
06/03/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32566
Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you IC Systems Collections to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. IC Systems Collections must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for IC Systems Collections to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and IC Systems Collections. Providing that IC Systems Collections is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
04/16/2018 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 79423
Web Older American, Servicemember
My XXXX grandmother was being charged for an XXXX XXXX XXXX bundle that included TV, Internet service and telephone. She was sold a bundle of services she did not need, such as cable and internet service. She did not have internet capabilities, nor did she have a TV. She was sent to a retirement home in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX XXXX was contacted and all the services, except for home telephone was cancelled .Many calls were placed to XXXX XXXX XXXX for help with XXXX XXXX bill. After many calls, and weeks of trying to get someone to help with our questions on her charges, the service agents were not able to look up her bill, or explain why she was being billed for services she did not use, I finally asked for a supervisor in the XXXX side of XXXX XXXX XXXX, to look up how much internet service had been utilized in the previous months. XXXX had not utilized internet service at all. The supervisor assured me her bill would be credited for any unused services. It was agreed to keep the home telephone service activated, and the remaining bundle would be cancelled. However, not only was it not credited as promised, a new contract was not sent nor was one signed for just the home telephone service. After a month, we elected to cancel the service completely. After canceling the service, XXXX XXXX XXXX continued to deduct the payment directly from her checking account. I notified XXXX 's bank of the the charges from XXXX XXXX XXXX, and requested the bank to not allow XXXX XXXX XXXX to deduct fees from her bank account. Additional charges after I cancelled the service bundle were then disputed. ( which was the end of XX/XX/XXXX ). XXXX XXXX XXXX continued to try and deduct the amount from her bank account, and after many unsuccessful attempts, XXXX XXXX XXXX started sending collection notices and balances that should have been credited. Additionally, It was researched and determined by her bank on XX/XX/XXXX, ( XXXX ) that she did not owe XXXX XXXX XXXX any remaining balance, and her account was credited for {$340.00}. A letter was also sent from XXXX to XXXX XXXX XXXX with a complete explanation of findings. This was on XX/XX/XXXX. Copies of the bills from XXXX XXXX XXXX were sent to XXXX, but the XXXX XXXX XXXX bills were so confusing it was obvious they could not prove where there were credits made to her account after the services were cancelled. Within that time frame, after her bank disputed the charges, I personally spoke to over a dozen people at XXXX XXXX XXXX trying to get a final bill to pay. The copies of the bills that were sent were so confusing with credits and debits. I was transferred over and over, and waited for hours on hold just to get a final bill to pay. XXXX XXXX XXXX kept sending out overdue statements, and every single statement was different from the last. At the beginning of XX/XX/XXXX, XXXX XXXX XXXX turned the overdue balance over to a collection agency. The collection agency has been calling and harassing my XXXX XXXX XXXX grandmother, who has XXXX, at the facility she is at, and asking for payment. The bill is now well over {$900.00}. for some reason. I will contact the collection agency again today, and ask them to cease contact. Additionally, I have copies of letters from the bank if needed. Thank You!!
11/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60438
Web
on XX/XX/2020 I spoke with a representative from XXXX about my " INVESTIGATION RESULTS '' Please be advised this is my THIRD WRITTEN REQUEST. In the results of your investigation, you stated in writing that you verified that this item ( I C SYSTEMS ) ( XXXX XXXX ) ( XXXX XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that XXXX provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY or provide the following 1 ) Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; 2 ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 3 ) Please provide proof when the original creditor claims this debt became due and when it became delinquent ; 4 ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and Collector, bearing Consumer wet-ink signature ; 5 ) Please provide a copy of the last billing statement sent to Consumer by the original creditor ; 6 ) Please provide late payment notice and/or account closing notice provided by the original creditor ; 7 ) Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above- alleged account ; 8 ) Please provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; 9 ) Please provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records ; 10 ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR 2046 balance sheet ( OMB # 's 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules ; 11 ) Please provide verification and/or copy of any judgment if applicable ; 12 ) Please provide proof of any interest, fees or other charges expressly authorized by the agreement ; 13 ) Please provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of Collector ; 14 ) Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; 15 ) Please provide a Statute of Limitations expressly authorized by the agreement ; 16 ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
05/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28117
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : IC SYSTEM INC. XXXX XXXX XXXX XXXX XXXX, MN ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
02/20/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39503
Web
I SENT IC SYSTEMS A LETTER ON THE XXXX OF XXXX FOR ACCOUNT Re : Acct # XXXX XXXX To Whom It May Concern, This letter is being sent to you in response to my last notice on XX/XX/2021. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that 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 above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that your offices make no telephone contact to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose.
08/19/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33496
Web
Hello, My Identity was compromised back in XXXX and someone opened an account with XXXX AKA, XXXX in Michigan. For your information, I live in Florida, and I have never lived in Michigan and never opened an account with XXXX there. The fraudulent amount was {$230.00}. I found out this identity theft incidence when it came up on my credit report back in XXXX, XXXX. Right away I have reported this incidence to XXXX XXXX XXXX Police Department in Florida where I reside on XX/XX/XXXX. Police case # XXXX. On the same day I called XXXX customer service department and ID theft Department. Per their instruction I have sent " ID Theft Package '' to XXXX back in XX/XX/XXXX to solve this Identity theft issue and take the fraudulent charges from my record. I collected data, filled-out the form and faxed them the complete package ( Attached with fax confirmation ). But they have not done anything about it. I would like to mention here, I have been XXXX customer for my home in Florida from XXXX. On XX/XX/XXXX I see in my credit report that a collection company named-XXXX XXXX placed a derogatory collection notice/allert on my credit report in Experian. At this current moment I have applied for mortgage for my home. This is causing a huge problem getting mortgage loan. I have called XXXX on XX/XX/XXXX and spoken to customer service and fraud protection department @ ( XXXX ) XXXX and they said they can not find previously submitted file and I have to file it again. The customer service representative said to submit the same file with supporting documents. I have submitted that on that day ( XX/XX/XXXX ). When I called back, they said that it can take 30 to 90 working days to get a finding on this fraud claim. XXXX Reference # XXXX I have also called IC Systems, the collection company. When I called first time a person name XXXX took the police report number and said that she will take care of it. Second time I called on XX/XX/XXXX a lady name XXXX and supervisor XXXX said that, they can not do anything on this. I am attaching the collection letter for your information. I am sending this complaint because : 1. XXXX opened a fraudulent account on my name in Michigan without verifying with me when I have an existing account with them. 2.XXXX has been very negligent about processing the ID theft claim I have submitted on XX/XX/XXXX. 3. They have never taken any action or taking this fraudulent charges from their inventory. This negligence causing me and my family a huge financial burden. 4. Going through this hurdles, I have spent at least 50 hours just to monitor my credit, trying to solve this issues, spending on phone with collection companies and XXXX. I have lost wages for those hours in last 2 years. I am a XXXX in the State of Florida. I have lost at least {$3000.00} worth of wages because of this issue. Every time I called XXXX, it is huge run around and no solution to be found. Thus please help me solve this issue by removing this fraudulent charges from my name and removing this collection/derogatory report from credit bureaus from my accounts Should you have any question, please do not hesitate to contact me at XXXX XXXX XXXX XXXX. Thank you!. -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
04/26/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33604
Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. DELETE AND REMOVE. DO NOT REPORT, RE-REPORT, TRANSFER OR SELL. SEND PROOF OF A ORIGINAL CONTRACT BETWEEN ME AND SAID CREDITOR/COLLECTIONS SO THAT I MY INSPECT MY " WET INK ; SIGNATURE. IF NO CONTRACT. NO NEED TO INVESTIGATE, RE-INVESTIGATE PLEASE DELETE, REMOVE AND UPDATE TO ALL 3 CREDIT BEAUS WITH PROOF OF SERVICE. PLEASE SEND SEND OR DELETE : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself ; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. ( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt. ( 5 ) Proof of claim in corresponding Case Number # # # - # # - # # # ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. ( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in advertisement or statements of part ( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code. ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
02/09/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80906
Web
To whom it may concern : I am writing to dispute the collection account listed on my credit report. The collection being reported by XXXX XXXX on behalf of XXXX XXXX is incorrect as evidenced by the supporting documentation Ive enclosed with this notification. Id also like to shed light on the unfair and deceptive trade practices XXXX is currently engaged in. My troubles began with XXXX back in XX/XX/XXXX. It was at this time that I had contacted XXXX to extend my internet service for a period of one year as my current contract had expired. Unbeknownst to me, rather than extend my existing term, the sales rep had created a new account. I was later informed by a XXXX employee, this was a common practice in order to achieve sales goal requirements ( I soon learned at the expense of unsuspecting consumers ). For the months of XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX, as evidenced by my XXXX account printout from their website and my bank statements enclosed, they had double billed my account. They were direct billing my bank account as a requirement for services ( and as a promotion I was to receive a pre-paid XXXX card, which I never did receive ), so I had little control to stop these payments. When I informed them via phone in XX/XX/XXXX that this was occurring they said they would have it fixed. When it still hadnt been corrected by XX/XX/XXXX AND I began receiving collection calls from XXXX I became furious. It was necessary for me to take off work to go to their local office and get it corrected. Ultimately, it took me three days of missing work to finally get it corrected. XXXX had agreed to credit my account for the overbilling. This was shown as a credit on my account in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the remainder of the credit in XX/XX/XXXX. This again is evidenced by the lack of billing for those months in the printout from my XXXX account. In XX/XX/XXXX, you can see where the normal billing then resumed. I was surprised to learn this account was being placed for collections with XXXX last month. After numerous discussions with several employees at XXXX, I was informed they wouldnt remove the collection and insisted I pay them an additional {$130.00} to remove it. This is having an extremely negative impact on my credit rating and ability to buy a home. I am asking for your help to remove this inaccurate information from my credit file. I was okay with the fact that I never received the promotional item promised. I was okay with the fact that the original monthly payment quoted ( see attached ) was not what I received. Where I must draw the line is when they are having a grossly negative impact in my ability to acquire credit. To summarize this injustice ; XXXX double billed me for services, never provided me with the promotional item I was supposed to receive, admitted they were wrong and credited my account, now have placed that same double billing for collections, listed it on my credit report and are refusing to remove it. I am appalled this Company can be allowed to stigmatize consumers credit by extorting them to pay monies not due using this tactic. Any help you can provide assisting me undo this wrongful act would be greatly appreciated.
05/05/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37076
Web Servicemember
XX/XX/XXXX - Paid XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX , IN XXXX, Acct # XXXX, a settlement amount of {$520.00} to clear the {$810.00} debt. Two collection agencies had the debt. XXXX XXXX and IC Systems. I contacted XXXX XXXX ( original debtor ) ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, and they agreed that I pay through XXXX XXXX XXXX XXXX XX/XX/XXXX - Called IC Systems, IC System, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, Acct # XXXXXXXX asking them how to clear the debt with them, they stated XXXX XXXX would have to contact them directly. XX/XX/XXXX - Called XXXX XXXX and ask if they would contact IC Systems to clear the debt. Left message. XX/XX/XXXX - Received voicemail that XXXX contacted IC Systems and that the debt would be removed by IC Systems in 30 to 45 days. XX/XX/XXXX - Contacted IC Systems as they are still showing on my credit report. Very rude worker just keeps saying only way to resolve is to pay the amount even after I explained I paid the debt and of course would not pay it again. XX/XX/XXXX - Sent IC Systems, USPS, a letter asking them to kindly remove the debt as it has been resolved. Copied ( sent ) USPS letter sent to XXXX XXXX XX/XX/XXXX - Same rude personnel XXXX I believe is the name at IC Systems stating that XXXX XXXX will have to contact them or I can pay in full to have it removed {$810.00}. XX/XX/XXXX- Called IC Systems and same rude personnel says XXXX XXXX has not contacted them and they will not remove without full payment of {$810.00}. XX/XX/XXXX - Send in online form to have this debt removed from IC Systems through their website. XX/XX/XXXX - Send in online form to have this debt removed from IC Systems through their website. Contacted XXXX XXXX and they state they have done the diligence to contact IC Systems about removing the debt. XX/XX/XXXXXX/XX/XXXX - Send in online form to have this debt removed from IC Systems through their website. XX/XX/XXXX - Send in online form to have this debt removed from IC Systems through their website XX/XX/XXXX - Send in online form to have this debt removed from IC Systems through their website. XX/XX/XXXX - Send in online form to have this debt removed from IC Systems through their website. XX/XX/XXXX - Send in online form to have this debt removed from IC Systems through their website. XX/XX/XXXX - Send in online form to have this debt removed from IC Systems through their website. XX/XX/XXXX - Send in online form to have this debt removed from IC Systems through their website. Contacted XXXX XXXX and they state they have done the diligence to contact IC Systems about removing the debt and they can not assist me any further. XX/XX/XXXX - Send in online form to have this debt removed from IC Systems through their website. Called an same rude lady states XXXX XXXX has not contacted them but I can pay the full amount {$810.00} to have it removed. It is ridiculous this company will not make contact with XXXX XXXX as XXXX XXXX states they have contacted them numerous times to remove this debt. They are unethically trying to tarnish my credit and make me pay the debt again although it has been settled.
06/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23228
Web
Violations of Consumer Rights by I.C. SYSTEMS Below : FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. FDCPA Section 807-8,9,10,11 ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. This company I.C. SYSTEMS by law violated my Rights under the FCRA & FDCPA by reporting an inaccurate debt. They collected the debt from an alleged original creditor without my consent ; neither do they have a written agreement with me or even a notice bearing my original signature stating that I would pay this third party collector. Which is an unverifiable debt, which means they're reporting this debt to an agency illegally. This goes against my rights under the FCRA & FDCPA Including but not limited to the above violations of my rights. Information of the inaccurate account : I.C. SYSTEM, INC Original creditor : XXXX Balance details : 0 % of this account is paid off Balance on XX/XX/XXXX : {$1000.00} Original balance : {$1000.00} Account info : Date opened : XX/XX/XXXX Account type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date : XX/XX/XXXX Comments : Account information disputed by consumer Statements : No Statements Contact info : Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX
04/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33321
Web
I.C. System, Inc has an alleged debt claim against me in the amount of {$200.00}. The Reference Number for this alleged debt is XXXX. Furthermore they have reported this alleged debt to the Credit Bureaus XXXX XXXX ) under account # XXXX. As of yesterday, XX/XX/XXXX, I have sent them a total of XXXX Debt Validation Letters through the United States XXXX XXXX, and spoke to their Supervisor XXXX XXXX on the phone to no avail. They have failed to removed this alleged debt off their records and continue to report me to the credit bureaus. As of today, XX/XX/XXXX, I have mailed them yet another debt validation letter through the post office. I've also emailed the following I.C. System Inc, employees about this alleged debt with copies of my debt validation letter and an identity theft report from the FTC. They include : XXXX XXXX - XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX of XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - Operations Supervisor, XXXX XXXX - Operations Supervisor, XXXX XXXX - Operations Supervisor, XXXX XXXX - Senior Vice President of Business Development, XXXX XXXX - XXXX XXXX. Under the Fair Credit Reporting Act 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to protect my rights with accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I.C. Systems has failed to do this. They've also neglected to call me on my phone, email me, speak to me in person, or mail me notice of this alleged debt to my current address, or my previous address as well. Had they done so under the FCRA guidelines, I'd have responded sooner to this alleged fraudulent debt. I.C. System, Inc has violated my rights repeatedly and with impunity over a debt that is not mine. They claim the debt was incurred at an address I never lived at. I.C. System has also been complicit in lying about the validation of this debt to consumer reporting agencies like XXXX. Since XXXX, XXXX I have mailed XXXX dispute letters to XXXX, along with filing disputes online with the agency and over the phone. Every dispute ends the same way. XXXX claims that I.C. System provided them with proof that I owe this debt, yet neither company has ever released that information to me. I.C. System and XXXX are violating my rights under section 609 of the Fair Credit Reporting Act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. There is obviously some type of fraud going on with I.C. System and I request an investigation into this right away. I have uploaded a copy of the 3rd letter sent to I.C. System along with a copy of my Identity theft report filed with the FTC. I ask that XXXX and I.C. System provide me with verifiable proof of this fraudulent debt so that I may continue to pursue my legal case against both companies if this matter is not resolved in a timely fashion. I.C. System can not hide from me anymore. What they are doing to me is a testament to the unscrupulous practices being implemented at that company.
03/25/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30064
Web
On XX/XX/XXXX at XXXX hrs I received a call from a IC System. The customer service representative was XXXX and when she first called she attempted to verify my information. I refused to inform her and repeated asked her what business was her company and she stated that IC System was a consume relations company. I continued to ask what type of company and she continued to ask me to verify my information. When I confirmed my name and address she then notified me she was a collection agency. She stated that I owed a XXXX bill dating back from XXXX. I tried to explain to her that XXXX never sent me a finalized and itemized statement and requested a dispute. She stated she could give me a verbal bill at which time I declined and requested that she dispute this amount because the balance was incorrect. She stated that I would need to resolve this XXXX. I then spoke with XXXX XXXX, manager abut my complaints. She state that the account was in collections but she would complete submit my dispute. She then provided me my account number. She then addressed my complaint about the misleading information at the beginning of the phone call. She stated that by law they can not reveal they are a collection company when they initial call people. She then state this is done to protect people information. I informed her that this was misleading and she stated that it was the law and all collection agencies do this. When I informed her that I asked XXXX several times what is this company and she refused to tell until I verifeid my info, I felt that this was misleading. I informed her that I have tried to resolve this issue with XXXX and other collection agencies have told me upon calling who they were. She told me that I could move forward with my dispute. The call ended. I contacted XXXX and spoke with XXXX in finance and I requested and itemized bill be sent with the update or correct balance. I explained to XXXX that this account has been disputed since XXXX and for the same reason. I explained that XXXX has never sent me an itemized statement per my request since XXXX when the account was closed. XXXX stated attempted to verify my address, but the address XXXX had was different than my main address and the address the collection agency had. XXXX was provided the correct address.. I then spoke with a XXXX supervisor who stated that they would notify collection but instead of resolving the problem they transferred me back to collections. I then spoke with IC Systems again who stated that they can not provide itemized statements and they just can only provide what XXXX gives them. IC Systems transferred me back to XXXX and the customer service representative stated that the account was sent to collections in XXXX and the adjustments were made in XXXX. I was then informed that no itemized bill was visible for review and that bills can only go back two years from the last date of service. XXXX is trying to see if they can obtain an itemized bill for my review since I never received bill after service was cancelled and the adjustment were made in XXXX. XXXX is not even sure if they have a bill for me to view and validate the debt amount is correct.
04/26/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19058
Web
I have been with XXXX for 14 years. Years back I fell into hardship and had some late payments back then, but I caught up and have been very current and on time for quite a few yrs now to the end. I believe it was in XX/XX/XXXX I had decided to go with another carrier who could give me the exact service XXXX was but instead of charging me {$270.00} a month it would only cost me {$80.00}. I am XXXX and can I can not afford their ridiculous charges anymore. As of that date my account was current with XXXX. I had tried to sign on to my account as Im at the store dropping XXXX n getting a different phone service. The woman had told me that I needed my XXXX account number. So I try to sign on to my account was unsuccessful so I had called them answered all the security questions so the gentleman on the phone helping me said hold on a second it's pulling right up and he must have heard me speaking to the other phone lady that I was standing there with, and then he says why do you want this? It's said because it's my account number and I want it. So I got bounced around to several people I was on the phone literally for 2 hours the woman in the store even tried calling them to get the number they kept giving me wrong numbers hanging up on me. After the phone store that I was in had closed and I'm still there. she stayed at the store for me although she had it all locked up and was nice enough to wait till I ran home to get my XXXX account number period after being on the phone being tossed around for 2 hours with XXXX. So as I'm heading to my house someone from XXXX calls me and tells me he's going to save me {$70.00} if I stay with. I never mentioned I was leaving them for one so that was me indication that they did hear me speaking to another phone person and two I had asked the gentleman why can't you save me {$70.00} when I was your loyal customer? No answer and he precedes to finally give me my account number. I went back to the phone store got my new device and account with a different carrier and I cancelled XXXX. At the end of that month I received a bill from XXXX for I believe it was on or around {$270.00}. I don't remember getting any bills from XXXX in between that bill and the last one I received dated XX/XX/2018 for the amount of {$1200.00}. I very well may have but I was in the middle of moving and had my dog put down and just a lot of stress and upsetment in my life, they were the last thing on my mind. Then I received another bill for from their collection. I think it's unfair I think they bully people in overcharge and this bill is outrageous. The woman at the store said that several people have been having problems with XXXX because everybody 's leaving them because of their high prices and they're doing everything even if it's refusing to give you your own information to get people to stay with their company. I feel like this company is Relentless and they'll just keep firing out their bills and turning people into collections and in hopes people pay their that much further ahead it's highway robbery. And I don't have 12 - {$1300.00} in order for XXXX to rob me more for services I did not even use. Thank you
11/21/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • CA
  • 93307
Web
This is actually a complaint which stems from another complaint I made against IC Systems directly to you. It involves a phone call made to them on XX/XX/XXXX of this year. In that phone call I attempted to have IC Systems forward me an itemization and contract on collections they were attempting to collect on behalf of XXXX XXXX Hospital. I was met with a lot of resistance and was outright lied to and demeaned by their rogue collector. The collector stated I could only obtain a contract and itemization of the charges directly through XXXX because IC systems didn't do that. I was in shock because they are obligated by the F.D.C.P.A. to do so. To prove my point, IC System did eventually give me what I asked for but they didn't do so until XX/XX/XXXX and XXXX which was 41 and 42 days after I requested them by phone and writing as well as week after I submitted my complaint to you. I was also told by the collector that " he knew I wasn't trying to pay this bill at all '' which was abusive insinuating that I don't pay my bills as well as demeaning my character. Furthermore, I was told by the collector that if I sent a dispute to his company that it would ultimately do nothing and that I should only send it to make me feel better. This was a clear and willful attempt to get me to give up my rights under the F.D.C.P.A. to dispute a debt and have it validated. It is also clearly a false and misleading representation and an unfair practice. When I submitted this complain on XX/XX/XXXX, I was expecting IC Systems to file a response to the complaint as is suggested by this website. Instead, what I receive is a paragraph saying IC system 's response was sent to me directly by mail because they couldn't verify who wrote this complaint! To make matters worse, they never did! It is true that I finally received an itemization and contract that I requested 41 and 42 days prior, but there was no letter of acknowledgment of my C.F.P.B. complaint. No letter from a compliance department, management, or any other department which addresses complaints. No letter or anything addressing my concerns with their collector and his rogue tactics and multiple willful violations of the F.D.C.P.A. NOTHING! I did get an opportunity to give feedback on the response through my previous complaint but I feel that is inadequate and will accomplish nothing in regards to my complaint of what IC Systems has done. I am filing this complaint because I want them to address my concerns about their multiple violations on that initial collections call on XX/XX/XXXX. They don't get to simply sidestep my complaint by saying they will send a response to me directly because they can't " confirm '' who wrote this complaint and never actually do it. I am submitting this complaint because IC systems has continued to this point in breaking the law and obviously treating me like I am unimportant or just somebody they can just ignore. If I get another half-baked response from them saying they will " send me a response directly because they can't confirm who filed this complaint '' and then never do so I will be forced to sue them.
04/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32835
Web Servicemember
In XXXX of XXXX, the account ( XXXX ) was closed by me, and a XXXX tech came and picked up the equipment, and the final payment to bring the account to a XXXX balance was made in XXXX of XXXX. After the final payment in XXXX, the account was no longer assessable online, and no mail regarding account came to my residence. In XX/XX/XXXX, the XXXX showed up on my credit report. I contacted them as follows : First case number provided : XXXX Date : XX/XX/XXXX Spoke to : XXXX and XXXX ( Manager ) did not provide employee number. ( XXXX XXXX employee ), they stated that they had applied the amounts paid to a different account ( not in my name ), and that they didn't know how that happened and assured me they would resolve the issue. Advised resolution : Balance transferred to XXXX account number XXXX in 7 business days. XX/XX/XXXX - was again advised 7 - 10 days XX/XX/XXXX - promised an email would be sent XX/XX/XXXX - no email and XXXX advised they would send XX/XX/XXXX XX/XX/XXXX - no email sent XX/XX/XXXX - no email. Advised again XXXX - XXXX hours XX/XX/XXXX - escalated to management- XXXX. Provided proposed resolution date of XX/XX/XXXX ( Regular XXXX ) XX/XX/XXXX - spoke with chat agent XXXX who provided ticket number XXXX ( Regular XXXX ) XX/XX/XXXX - Received a call from XXXX. No resolution. I advised I was giving them until XX/XX/XXXX to resolve before escalating further XX/XX/XXXX - XXXX to someone from XXXX named XXXX. Escalated 2 levels Spoke to XXXX and spoke to XXXX who provided new case number of XXXX ( Regular XXXX ) XX/XX/XXXX - XX/XX/XXXX called multiple times to try to speak to XXXX, XXXX, XXXX and XXXX. Left messages. Was promised call backs and never received. Lost access to XXXX XXXX account. regained. Many calls were made in between all of these dates. Nothing was done. Nothing was completed. Instead of dealing with their incompetence, they sold the fictional debt to an outside collection agency in XXXX. I advised collection agency of the same issue, they refused to deal with it, I disputed with the credit bureau and it was removed. In late XXXX XXXX the debt was given back to XXXX ( IC System ), and I had briefly spoke to the woman at IC, who told me they were not wrong, I never paid, I tried to explain the situation. but she didn't listen. I told her she needed to send proof of the debt. She told me they don't have to, if I want it, I needed to send my information to them in writing, but because I didn't send it to them in XXXX or XXXX, that they don't have to prove anything and it's my debt. I tried to dispute again with the Credit Bureau, but there is not enough room in the dispute form to explain the situation, so they denied the dispute and said it was FCC compliant. The dates and amounts of the payments are as follows : XXXX XX/XX/XXXX payment arrangement amount set w/ XXXX XXXX XXXX XX/XX/XXXX ( XXXX-payment made on the phone ) XXXX XX/XX/XXXX payment arrangement made with XXXX XXXX XXXX XX/XX/XXXX ( XXXX-payment made on the phone ) payment arrangement w/ XXXX XXXX XXXX XXXX XX/XX/XXXX Final payment leaving account paid in full.
07/20/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TN
  • 38135
Web
XX/XX/2019 a collection company mailed a collection notice to our old business address stating our utility company had sent our account to collections for {$630.00}. I assumed this must be some sort of mistake and had planned to send them a letter back disputing the debt. Today I get a notification that my credit had changed. I just paid off my one of my credit cards 2 days ago and had expected a small change but an increase. Much to my surprise when I log in I see my credit has plummeted by 93 points on one and 69 points on another and FICO 's dropped by 40 points. XXXX won't do anything about it. We moved out of our old location 2 years ago. We have not received one notification, one e-mail, no certified mail, no phone calls nothing about there being a remaining balance. In fact at the time we cancelled our account we we had overpaid because we had a deposit on the account. We were told by XXXX staff that if the deposit didn't cover our final bill we would be sent documentation to support that. If it did, nothing else needed to be done. We never heard anything else from them until I received this collection letter a couple of weeks ago. I have AVIDLY been working to get my credit to where it needs to be bringing my score up nearly 200 pts in the last 18 months. It would be stupid to let a {$630.00} balance ruin what I have worked so hard. If it was valid and the documentation supported it I would have paid it. Honestly, I probably would have paid it just to make sure something like this did happen. One other point about this I am uncertain of. The damage to my credit is being done by an " Account '' being added as a closed account that was closed and placed for collection for the amount of {$410.00}. It says the account was closed XX/XX/2019 which differs from the collection notice. We had two bays at my previous location which incurred 2 different utility bills every month so I am curious if there is going to be a second hit if this collection notice for {$630.00} is one unit and the {$410.00} is another unit. I will upload the collection letter and the information about the closed account. The accounts shows 5 years of history yet there is no payment history, not high balance, no monthly payment, no late payment info, no worst payment status. Nothing, just closed with a balance of {$410.00}. You will also notice the documents are being mailed to our old address at XXXX XXXX XXXX. We setup mail forwarding for 6 months after moving. Additionally we only moved a 1/2 mile down the road to a bigger location. We had the same mailman and as a result he would give us our mail even if it was mailed to the wrong location. So regardless they had 6 months to send notification of the balance and we would have definitely received it. They also had my e-mail address on file and could have send notification that way as well. Lastly, I have lived in the same house the entire time, where I also could have been mailed something. So to be clear I am disputing the collection charge for {$630.00} and the " closed account '' with a balance of {$410.00} that is harming my credit.
04/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 34983
Web Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
07/19/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11218
Web
To Whom It May Concern : This letter is being sent to you in response to a notice sent to me. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that 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. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that I physically signed that show I agreed to pay you what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
03/28/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75702
Web
I C Systems has been unable to provide proper documentation validating this account. I am seeking immediate action and to remove this negative information permanently from my credit reports. I C Systems is in violation of the HIPPA laws. I have sent multiple letters on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$160.00}. This is the letter sent for validation of the account. This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 4. What was the original date of delinquency for this amount? 5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. I have sent a copy of the request for validation to the three Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation
04/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60031
Web
In XXXX, I received a solicitation for XXXX XXXX XXXX from XXXX. The solicitation offered a " discounted '' rate for a set number of treatments. I purchased a set number of lawn fertilization services from XXXX # XXXX. I submitted payment in full for the specific services requested. I did not request or authorize any ongoing service beyond the package that I had purchased. Nothing on the solicitation form indicated that I was signing up for ongoing service or automatic billing. I explicitly did not want ongoing service. Without my knowledge or authorization, XXXX saved my credit card information and in XXXX they started charging my card repeatedly for service that I did not request or authorize. The unauthorized charge was roughly double the rate from the XXXX solicitation. When I discovered that XXXX had been charging my credit card, I contacted their customer service immediately. The agent agreed that I had not authorized the service, and assured me they would reverse the charges. The credit did not come. After giving them time to rectify the issue, I eventually contacted my credit card company to dispute the charges. My credit card company investigated and reversed the charges. I thought that the matter was settled, until XX/XX/XXXX when I received a collection notice from " IC System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX '' The collection notice on behalf of XXXX # XXXX was in the amount of {$110.00}. I immediately wrote to IC System using their included form, and I mailed it back informing them that the debt was not valid and that I had not authorized these charges or services from XXXX. According to my understanding of the law, they should have stopped trying to collect the debt without sending me proof of the validity of the debt. I also called XXXX customer service to inform them that I had been sent to collections over a debt that I don't owe. I spoke to a customer service representative who informed me that she could see the notes on the account, but she needed to have a manager call me back to reverse the charge. She advised that someone would call back in 24-48 hours. Nobody ever called. It is not possible to reach a local representative, and it is also not possible to be transferred directly to a supervisor. On XX/XX/XXXX, I received a second collection notice from IC System for the same debt. This notice had a bold notice " VALID COLLECTION '' across the top. It offered no proof of the validity of the debt. I believe this notice was in violation of the law, as I had already disputed the validity of the debt with IC Systems, and they should have stopped collections until they could issue proof that I had authorized these charges. Also, on XX/XX/XXXX, I again contacted XXXX customer service at XXXX. Despite the number being a local number, it routes to a call center somewhere unknown. Again, I was told that a manager needs to call me back, but it is more than 24 hours later and no manager has called.
06/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 31636
Web Servicemember
AS OF MY XX/XX/2022 COMPLAINT, I got a notification about my credit report. INCOMPLETE ACCOUNT NUMBER FOR IC SYSTEM- XXXX INCOMPLETE ACCOUNT NUMBER FOR XXXX XXXX XXXX- XXXX In the documents uploaded below you will see XX/XX/2022 updated credit report. One from XXXX XXXX and the other from XXXX. I have still not heard from either company. However XXXX sent me an email stating that the company has verified the accounts with them and they are accurate. In my letter to XXXX I requested to be notified by mail as I had done for them, not to be replied to on a service website. 1. There are still dates that are conflicting. 2. They have not given ME verification 3. They have not provided me the procedure in which they have investigated it and who did the investigating. At this point, I have been denied jobs, I had to have my credit report run just so that I can be my fathers over-seer ( POA ) for the VA. They have given a certain amount of time to get this situation rectified or they may dismiss me to look over him. This is very troubling because I know for a fact I NEVER SIGNED OR EVEN UNDERSTAND THESE ACCOUNTS. They are not complying with the federal laws that I stated in the last complaint. This is troubling due to the fact my father served 24 years in the military and Im the only one that is taking care of him and I am facing loosing my responsibility that was given to me because of these two companies. I have attempted to apply for two things of which of course I was denied, in hopes to build my credit. I am desperately pleading for your help, as I attempt to just maintain my life and well being of my father. In detail : as of XX/XX/2022 IC System still reporting : ( XXXX and XXXX ) - XXXX XXXX -incomplete account number -DATE OPENED is conflicting -LAST REPORTED DATE is conflicting -DATE LAST ACTIVE is conflicting *Conflicting information between the two credit monitoring companies reported XXXX XXXX XXXX reporting : XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX Incomplete account number DATE OPENED is conflicting LAST REPORTED is conflicting DATE LAST ACTIVE is conflicting XXXX - ( report from XXXX ) -Status Date conflicting -Account Type - Open Account -Balance Updated Date conflicting -Payment status conflicting XXXX - ( report from XXXX ) -Balance Updated Date not reported -Status Date conflicting and not a complete date -Payment Status conflicting XXXX ( report from XXXX ) -Status Date conflicting -Balance Updated Date conflicting -Terms reported not valid -Payment Status conflicting *The address for XXXX XXXX XXXX was not the correct one when I went to send my certified mail. I realized that at the bottom where the address for the company is, one address was different then the other ( the one I wrote was wrong ), and one of the posted company names is spelled with a " S '' on the end and with a different address. How can trust this company to validate my information when their Information is not consistent for their own company.
12/20/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37312
Web
On XX/XX/2018, I visited XXXX Hospital 's ER in XXXX, TN ( a public trust hospital system and an in-network provider for my insurance policies ), and was subsequently billed by XXXX XXXXXXXX XXXX, XXXX, ( XXXX XXXX, XXXX - treating physician ) for medical treatment by an ER physician. I currently have two health insurance policies. XXXX XXXXXXXX XXXX, XXXX, billed for {$1100.00} ( 1000 % of local pricing for ER care ). Both policies paid, {$180.00} each or {$360.00} total. This left a bill of {$810.00}. I was not billed until over 90 days from treatment date making it look as if I am late with payment. Although it seems outrageously unfair for such high billing and the use of balance billing for payment, so far all is sadly legal. What I found after paying XXXX XXXX XXXX, XXXX, they used the government entity name of " XXXX XXXX XXXX XXXX XXXX, '' when I actually paid " XXXX XXXX XXXX, XXXX, '' through their collection team, " IC System '' for the remaining amount of {$810.00}. What I have found is that the business, " XXXX XXXX XXXX, XXXX, '' uses fraudulent business dealings. They sell these debts ( negotiating ) to other businesses before you've received your first billing. I do not know if these businesses are owned/in-network by the XXXX XXXX or simply sold to other collection agencies multiple times. You as a patient pay the bill, yet the owners of " XXXX XXXX XXXX, XXXX, '' again resell the bill over and over, layering the transaction. I currently get local number phone calls coming from the XXXX demanding payment for this bill ( again ) with no recognition of the confirmation number given, the same account number, or receipt by my state issued card by prior debt collectors. I do know that " XXXX XXXX XXXX, XXXX, '' has XXXX XXXX, XXXX, as its president. He also is in the XXXX for several other collection-type entities such as, " XXXX, '' " XXXX, '' and " XXXX and XXXX XXXX XXXX. '' It seems that this company is not interested in actual accounting practices for billing but possibly entering into fraud by layering the collection process with various companies to multiple bill for single debt. It is fraud to use the City of XXXX & XXXX Co 's trust of XXXX XXXX Hospital as the collection name. I phoned XXXX billing department and found that this debt I paid for {$810.00} is entirely " XXXX XXXX XXXX, XXXX '' and through my credit card & matching EOB 's, was paid in full. These collection companies have threatened to ruin my credit rating due to their claiming it is an unpaid medical debt. By switching company names over and over, it can seem you never paid this debt for they can claim that they never received the payment. This seems to be the strategy to gain multiple payments from unsuspecting patients. " XXXX XXXX XXXX XXXX '' takes XXXX and XXXX patients ( XXXX government payment for medical bills ), yet these very patients can be ruined by unscrupulous billing practices from companies like, " XXXX XXXX XXXX, XXXX. ''
08/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 18923
Web
XXXX XXXX, XXXX I have been plagued by the mistakes of XXXX going back to XXXX and most likely prior to that time. I have attached a letter I wrote to them back to XXXX which was my third request to them pointing out their mistakes and never received a replies to any of my letters. I cut the service in XXXX XXXX and went to XXXX XXXX and XXXX continued to bill me for three more months. I have asked for an accounting of my account and never received this. They sent a collection agency after me and I told them this would not be paid as XXXX actually owes me money. I travel frequently for work and can be gone for months at a time and really just did not have time to deal with a problem of {$130.00} dollars. They put a collection on my credit report back in XXXX and just recently they assigned another collection agency who filed a collection on the same amount driving down my credit score down once again. If you look at my credit these people are the only ones I have ever had an issue with. I am requesting a complete investigation of my account as I believe the root cause is somewhere along the line they changed the long distance telephone service to non-long distance and every time a call was made long distance charges were being assessed ( who would sign up for that??? ). I had an automatic payment set up, however my XXXX XXXX who is living at the property would pay the additional amount out of funds I was giving her. When I inquired on this on XXXX XXXX XXXX, I spent hours on the phone and finally was given to somebody in the back office who discovered the problem and said this could take months to fix, however was supposed to change over the service at that time back to long distance. Again thinking this was taken care of, I was notified again the service was shut off?? Good grief what does it take to get something fixed and why was this so complicated? At that point I was frustrated and canceled the service going with XXXX XXXX for the service provider in XXXX XXXX and XXXX continued to bill me for another three months. As you can see they owe me money. In addition, I told them all communications should come to me at my residence in PA and that never happened as well. I am requesting a complete audit of my account and I really think this goes back to XXXX when I relocated. I want whatever refund is due back to me and my credit cleared. I also believe because of the damage this has done to my credit I should be compensated accordingly. If not, I will go to the media and every agency out there to continue to have this fixed. I will not go away as this needs to be resolved once and for all as it is unbelievable the service that is provided with calls being offshored and I really think they just want you to give up and pay for their mistakes. The collection agency is IC System XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX Account NO XXXX IC System reference NO XXXX Sincerely, XXXX XXXX
08/19/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95125
Web Older American
We dropped XXXX as our mobile provider in late XX/XX/2019. (XXXX account XXXX, I.C. System Ref. No: XXXX.) We returned all 5 leased phones, all of which XXXX acknowledges receiving. The 3rd from last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX, prior to their receipt of the 5 phones. The 2nd from last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX with a credit of $XXXX, apparently for the returned phones. The last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX.I also received a check from XXXX, dated XX/XX/2019, for $XXXX which is apparently the reconciliation of the above amounts. I have participated in several chats with XXXX (for which I have transcripts) trying in vain to get an explanation for several hundred dollars in charges. On XX/XX/2019, I received an email from XXXX demanding immediate payment of $XXXX, this despite the last bill above stating "This is your final bill for wireless services" with a balance of $XXXX (copy attached). The XXXX email included:It's important that you resolve this immediately to prevent further collection action that may include:•  Your account being sent to an outside collection agency.•  Your account classified as "bad debt" with XXXX if the account remains unpaid at the collection agency.•  Your account reported to the three national credit bureaus as past due.One more chat with XXXX (XX/XX/2019) to inquire about this includes the following:XXXX XXXX. : As I check here that this charge of $XXXX on your account was your previous payment on XX/XX/XXXX that has been refunded on you back on your account .I verified that XXXX did indeed credit our Mastercard with that amount on XX/XX/2019. (The difference is presumably charging me interest which extrapolates to about 10.8%.) I immediately asked: "Why was this done and why was I not informed?" However, no explanation was provided. I was transferred to XXXX "finance team", but the only explanation I received was:XXXX : I do want to assist you with your concern. However, upon checking, there is a specific department handling the account. All payment or financial related concerns of this account must be handled by that dedicated team. It will be best if you contact them for assistance. You can reach them by calling this number XXXX to have your concern resolved at your satisfaction.You : Can I chat with them? I would like a record, please.XXXX : I am sorry but they do not operate via chat; over the phones only.You : And you can explain none of this?XXXX : I am really sorry; please do not feel that I am refusing to assist you because I will if only I have the right access. I am assuring you that if you contact them, they can answer your inquires.I subsequently received a letter from I.C. System, a collection agency, on XX/XX/XXXX saying that I owed $XXXX and have 30 days to respond. (Their letter is datedXX/XX/2019, so I assume the 30 days ends on XX/XX/XXXX.)
05/31/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77095
Web Servicemember
I went to XXXX XXXX located on XXXX XXXX to XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, inquiring about a tooth extraction. After being quoted a price that I felt was too high, I told the account specialists that I would go to a place less expensive. She then proceeded to tell me that I actually had credit owed to me from my previous porcelain crown procedure with XXXX XXXX, that would cover the cost. So natural I agreed to the tooth extraction since I wouldnt owe money. After the procedure was complete I double checked with the lady about a bill and she told me everything was covered. I believed her and left. Some weeks later I received a call and a voicemail was left from the same account specialists stating that she apologize because she had misinformed me. She stated, the credit she told me about could only be used at the XXXX XXXX location that I had the porcelain crown procedure done at and that I needed to come in and make a payment. In my mind that didnt make since because it was the same company. So I refused to pay. I had moved prior to the tooth extraction so I never received a bill. I get emails from XXXX but I never received an email about a bill. Some years went by and last year I notice that a collection was on my credit report with XXXX XXXX being the original creditor {$390.00}. Im not sure if this amount is after my insurance paid its portion. That will need to be investigated also. So I reached out to them by going to the location that I had the tooth extraction. There is a new account specialists named XXXX XXXX that I spoke to. She was professional and helpful. XXXX XXXX pulled up my account and agreed that I owed nothing because the credit that I had was applied to my tooth extraction. Then I explained the situation more to her so she investigated the account a little deeper and saw the problem. Then miss XXXX informed me that I was told wrong twice. She said that the credit was not owed back to me and it wasnt a credit that I could use at the location of my porcelain cap procedure, but instead it was owed back to my insurance company. My heart dropped upon hearing this. She stated bills had been sent out. I explained I had moved prior to the tooth extraction and any bills that were sent were never forwarded to me. I pleaded with her since Im technically the victim here of misinformation or a bait and switch move, could she allow me to pay the bill right now and then remove me from collections. She asked her XXXX XXXX and the XXXX told her, no she will not have it removed if I should pay the bill. I have recorded voicemails from the company admitting to misinforming me and mishandling the funds. I do not have a date because I didnt receive any paper work, letters or no receipts because I was told I owed nothing XXXX she not be allowed to keep this on my credit file. No professional company would, in my opinion.
07/18/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30297
Web
NOTICE OF Intent to FILE LAWSUIT To Whom It May Concern : This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. FCR A 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute . 2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. FDCPA 1. 805 . Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} If you wish to resolve this matter, this will be your last opportunity to do so. The foll owing items must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX , XXXX , XXXX XXXX and ) within 72 hours or by XXXX XXXX , 2017 and you forward a Letter to me via email stating they have been removed and will not reappear on my credit reports again by you or another collection agency. Please be aware if these accounts are not deleted by XXXX XXXX ,2017 , I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The Georgia State Attorney General, The and the Better Business Bureau. Thank you and I look forward to resolving this most expeditiously.
06/15/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33055
Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This I C SYSTEM account with a balance of {$70.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
04/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10033
Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account I C SYSTEM XXXX balance {$210.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
12/22/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28204
Web
I previously had an account for internent service with XXXX but I closed the account in XXXX and paid the balance in full. However, in XXXX I received a bill from XXXX stating that I have an out standing balance I ca n't remember the exactly amount but I think it was about {$38.00} I called them we argued but they told me that I was billed for the month on XXXX even though I had cancelled my account. because I did n't want to have any problem with my credit, I paid the amount in full the requested. but in XXXX I reveived another bill from XXXX again so I called them right away on wednesday XXXX XXXX 2015.After they transferred me XXXX different places, I finally talked to XXXX of their agent called XXXX. she told me the account was set up in XXXX so I asked her how the account was set up under my name with my address and all my information without my concern? but she did n't give me any definite answer, she just said maybe it was an error. however, she to me everything was taken care of and there is nothing to worry about. she give me this confirmation number ( XXXX ) that the account was closed and everything was clear. At the end of XXXX, I received another bill from XXXX but I thought maybe it was sent before I talk to them in XXXX so I ignored it, however early this month, i received another bill from XXXX again and this time I also received a litter from collection again attempting to collect a debit ( here IC system, account # XXXX ) I also called them but she demanded me to pay the balance of {$120.00} which I told I do not own, so I told her I will called XXXX I hanged up and called XXXX right away an agent name XXXX XXXX answered the phone, I explained everything to her she told me it look like it is system error becauses the account showed it was cancelled in XXXX, so I asked her to please transfered me to the manager, so she transferred to another agent name XXXX, I spoke with XXXX for about five minutes before i realized she was not the manager, I asked to transferred to the manager but she said the manager was in the meeting and asked for my contact number to call me back whenever the meeting is over, I gave her my number and asked for the manager number in case they do n't call me so I can call them because they have done it to me before and they never call me back.But she refused to give me the manager or any direct call back number, I to her please give me the manager number so that I can call back whenever he/she finishes the meeting, she said there is no direct number and hanged up on me. So please I really need help for someone to question these people why are they doing this, and secondly clear my name and all my information in their system, I do n't trust them any more and I do n't want them to have any of my information in their system. thank you.
01/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10550
Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my XXXX XXXX has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. " The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my XXXX XXXX and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
01/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90292
Web
In XX/XX/XXXX I noticed a derogatory account listed on my credit report, which had negatively impacted my credit rating. I discovered this was from a company called IC Systems. Upon calling ICS I was informed I had an outstanding debt of {$120.00} from XXXX dating from XX/XX/XXXX. They said it related to my not returning broadband equipment, which I had. I asked repeatedly for them to provide evidence of this debt which they have not. I explained that I had been a XXXX customer from XXXX to XX/XX/XXXX and therefore it was illogical that I would have debt with them during that period when my account was in good standing. They argued that as they were separate accounts ( one closed in XXXX and a new on started the same month due to moving home ) that it wouldnt show. It was confusing as I have never had any issue with my XXXX billing. The representative on the call said that IC had written to me a few times in the past few months ( coincidentally since I closed my XXXX account in XX/XX/XXXX ). I explained that I have been out of the US ( in the XXXX ) as a consequence of the coronavirus pandemic so hadnt seen the mail but asked to be communicated with via e-mail instead. He refused to have them e-mail me. On my opinion, in this day and age, there is no good reason not to write by e-mail. There is no more or less chance of risk than with a call or physical letter. It is a tactic on their part to draw me deeper in to problems. As a side note I believe the name IC Systems to be deliberately misleading too. It does not address the nature if their business and could be easily overlooked as junk mail or spam. In any case, the representative then asked if I would like to provide further details? I said no as the taped message at the start of the call said any information I provide could be used to pursue me and I dont want to be harassed. The agent said that isnt the case and they wouldnt use it for that. This is early contradictory and also doesnt reconcile with his earlier refusal to write to me via e-mail or to call my XXXX number. He then asked if I would like have to case reviewed, meaning it would be put on hold for a few weeks while it was assessed and no further action would be taken in the meantime. I agreed and asked for the evidence of debt to be sent during that process. Two days later they filed another derogatory account notice to my credit report. This company has now severely impacted my credit rating at a tome when people are struggling hugely. They still havent provided me with evidence nor reached out via phone or e-mail. I believe they have acted in bad faith throughout. They have caused me stress and affected my future ability to access credit. Their weekly credit updates are designed to weaken and pressurise the individual.
01/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32839
Web
In XXXX of XXXX after moving to XXXX XXXX, Texas, my XXXX XXXX service began to take a sharp dive. I was receiving " 5G '' which at the time, was just a regular LTE network channel, advertised as 5G, which was almost always giving me dial-up data speeds. On several occasions at my apartment and around the city, my speeds were often no more than 800Kbps, which is nothing near the expected speed range for 5G or LTE. I contacted XXXX XXXX several times and was asked to complete troubleshooting, which I did. After troubleshooting, XXXX gave me some excuse about an outage or maintenance, each time I had brought these slow speed concerns to their attention. On the third time reaching out and insisting a ticket be filed for their engineers, I was told no and that the same, repetitive, unhelpful troubleshooting steps need to be done. After those steps were done again, I was told once again that this is just a temporary outage. This issue persisted for months, and in XXXX of XXXX, I contacted XXXX 's Executive Customer Relations team via emailing XXXX executives. My correspondence went unanswered several times until I continued to email their executives. Eventually, a customer relations representative reached out and offered no assistance. I advised them that I demanded for my phone installment plan to be credited and my account closed, so I could take my business to another provider. XXXX refused to provide any type of billing credit or credit to close my device 's installment plan. After weeks of non-compliance from XXXX, I cancelled my account by porting out. Several months later, I am now receiving a bill for {$800.00}, as XXXX is unwilling to reach a resolution because I won't play their bait and switch games. XXXX has sent my balance to multiple collection agencies which have failed to provide validation for the debt and violate FCRA and FDCPA regulations. After challenging the first collection agency, XXXX sold the debt to another agency. XXXX initially sent my debt to XXXX XXXX, which sent me an email regarding a balance. Upon sending a debt validation letter, XXXX XXXX did not reply within their required 30 days. After not hearing from XXXX or XXXX for a month, I received a debt collection notice from I.C. System Inc. at the end of XXXX, which I have mailed another debt validation letter, on XX/XX/XXXX. XXXX can not continue to buy back debt for a contract that XXXX violated by not providing proper service as promised, and sell it to a new debt collection agency each time they're challenged by me, as they clearly can not provide the necessary proof that the debt is mine and XXXX should be on notice that they had violated their contractual agreement to me, which I will not be paying for, as I cancelled my service and took my service elsewhere.
07/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NM
  • 87112
Web
My credit reports with the three major credit bureaus contain accounts that should not be listed according to the wording and intent of 42 USC 407, which reads : 407. Assignment of benefits ( a ) In general The right of any person to any future payment under this subchapter shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this subchapter shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. ( b ) Amendment of section No other provision of law, enacted before, on, or after XX/XX/XXXX, may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section. ( c ) Withholding of taxes Nothing in this section shall be construed to prohibit withholding taxes from any benefit under this subchapter, if such withholding is done pursuant to a request made in accordance with section 3402 ( p ) ( 1 ) of the Internal Revenue Code of 1986 by the person entitled to such benefit or such persons representative payee. ( Aug. 14, 1935, ch. 531, title II, 207, 49 Stat. 624 ; Aug. 10, 1939, ch. 666, title II, 201, 53 Stat. 1362, 1372 ; Pub. L. 9821, title III, 335 ( a ), Apr. 20, 1983, 97 Stat. 130 ; Pub. L. 105277, div. J, title IV, 4005 ( a ), Oct. 21, 1998, 112 Stat. 2681911. ) None of my accounts pertains to section C, withholding of taxes. Therefore, everything derogatory about my credit that is reported by any agency other than various student loan lenders should be removed, as they are expressly not " assignable, at law or in equity '' and may not " be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. '' These creditors include : XXXX XXXX XXXX FOR {$3900.00} IC SYSTEM FOR {$540.00} XXXX XXXX FOR {$100.00}, {$88.00}, {$81.00} AND {$65.00} XXXX XXXX FOR {$1000.00} XXXX XXXX XXXX FOR {$3100.00} XXXX XXXX FOR {$1000.00} Also, ALL of my federal student loans have been dismissed by a Total and Permanent XXXX ( TPD ) waiver, bu several still show as actively unpaid, including one last reported XX/XX/XXXX for {$3900.00} ; one last reported XX/XX/XXXX for {$26000.00} and one last reported XX/XX/XXXX for {$270.00}. The others correctly reflect the TPD. Finally, one last reported by XXXX XXXX XXXX on XX/XX/XXXX for {$5000.00} has been on appeal in various court 's since before it was first reported, the most current being the New Mexico Supreme Court, Case No. XXXX, which is in abeyance pending the decision of another appellant 's similar appeal. As my case has been and remains on appeal, this entry should be deleted entirely.
11/22/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07030
Web
I received several alerts through XXXX XXXX XXXX a credit monitoring service back in early XX/XX/XXXX. XXXX credit alert notified me and advised me that a new account had been added to my credit reports from IC Systems. The only thing that IC systems listed was their name & address. However, the account information read N/A. If I had not of received an alert from the credit bureau ( s ), I would have never become aware of IC Systems adding a collection account to my credit. One year prior, I had also found out from the credit bureaus that IC systems had been pulling my credit reports and leaving credit pulling inquiries on my credit reports. In XXXX, I reached out to IC Systems certified mail regarding the Illegal and unauthorized credit pulling inquiries. However, the company never responded. In XX/XX/XXXX ; I reached out to IC Systems twice Certified Mail with dispute letters regarding the account that they had added. However, after IC systems signed & received my dispute letters sent certified mail, the company failed to respond. Instead, they intentionally and deliberately updated the same account with the credit bureaus. IC Systems even updated the same account 3 times with XXXX within a one month time span. While their illegal, unethical deceptive practices, continued, I contacted the collection agency certified mail. However, no resolution or attempts to resolve their illegal tactics was ever performed. IC Systems failed to notify me prior to adding their account on my credit reports, and once I found out about their added account from XXXX credit alert, the company then purposely updated and added the disputed account 3 times back to back on my XXXX as a knowingly spiteful method as they continued to fail at responding to my dispute letters. Recently around XX/XX/XXXX ; I received a letter in the mail from IC Systems dated for XX/XX/XXXX. The letter which was sent way after the legal limit of the 5 days of receipt that the FTC and FDCPA outlines, was a balance letter that requested payment with a copy of a bill. After IC Systems has been pulling my credit for a whole year, failed to respond to my dispute regarding more information on their unauthorized credit pulls, the company then waits a whole year to illegally add an account numerous times to my consumer credit reports all while failing to notify me. This is illegal. Their actions are deceptive. They have now finally sent a payment letter due to numerous FTC complaints filed against IC systems for their failure to respond back to multiple dispute letters received by them certified mail, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX mailed XXXX XX/XX/XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. They have still failed at acknowledging any of my disputes. FTC XXXX # 's XXXX & XXXX.
12/12/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44254
Web
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.
05/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48036
Web
I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( I.C System Inc. phone XXXX ) and ( XXXX phone XXXX ). XXXX debt collectors are based in MN. XXXX company ( I.C. System Inc. ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( XXXX ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can XXXX debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for XXXX should be removed immediately.
10/24/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • TX
  • 76011
Web
I disputed this collection account with all three credit bureaus multiple times the latest date being XXXX/XXXX/XXXX. I have a collection account for the amount of {$140.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas Attorney General Consumer Complaint Division as well and I request the immediate removal of this trade line from all three credit bureaus as you and the original creditor have violated the aforementioned laws. This debt has been removed and reinserted multiple times on my reports. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This complaint is a notice and an attempt for you to correct your records and delete this account from my reports on all major credit bureaus.
10/24/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • TX
  • 76011
Web
I disputed this collection account with all three credit bureaus multiple times the latest date being XX/X/2017. I have a collection account for the amount of {$180.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas Attorney General Consumer Complaint Division as well and I request the immediate removal of this trade line from all three credit bureaus as you and the original creditor have violated the aforementioned laws. This debt has been removed and reinserted multiple times on my reports. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This complaint is a notice and an attempt for you to correct your records and delete this account from my reports on all major credit bureaus.
06/04/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80401
Web
Last year my wife received XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. We paid our insurance co-pay and the bills that showed up afterwards. A couple of months ago my wife noticed a negative filing on her credit report from a " IC Systems '' and when we call the phone number it tell us the switchboard is down. Just in XX/XX/2020, they open 7 new negative accounts over 1 bill. They have called her office over a hundred times this year. They spoofed our office number on these occasions ( just in XX/XX/XXXX ). XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX When the calls are answered there is never anyone on the line. This ties up office resources. In the past 90 days they have made the below calls and it is always a dead phone line. XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX PM IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Answered Call XX/XX/2020 XXXX XXXX IC System ( XXXX ) XXXX XXXX Now my wife 's credit is destroyed and there is no way to contact these people. We have never received a statement from these people or a call on our personal phones. Why are they allowed to ruin people 's lives, especially during the COVID-19 epidemic??
07/12/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90035
Web
On XX/XX/XXXX I called XXXX to have WiFi internet installed into my New York address. I was clear with the sales agent that I did not want to pay for the installation nor equipment, and the sales agent told me they could do that. I was not overly thrilled with the service and received XXXX bill from XXXX the following month, which was not paid immediately, so the service was disconnected sometime between XX/XX/XXXX to XXXX, XXXX. I left this address on XX/XX/XXXX aware that I owed XXXX month of service but nothing more. I didnt think they would charge me anything further as the service was deactivated, no longer in use. Once I had relocated to my new home in California, I received a call from a debt collector about this bill in XX/XX/XXXX. I didnt understand the charges but I knew the amount for {$300.00} for XXXX days service was incorrect. When I called XXXX they told me they had sent my account to a third party debt collector and it was out of their hands, that they couldnt do anything. I asked to dispute the charges and they said they would contact me back, I never received any call-back or email, nor voicemail. Now that Im trying to upgrade my bank account they tell me somethings popping up with my SSN and so I called XXXX in XX/XX/XXXX and was told the charges were for the equipment that I never returned, but I was never informed upfront about any equipment charges nor that I had to return them. I told them again I wanted to dispute the charges and was told somebody would get back to me, but again I never received a call, email or voicemail ( a voicemail I could respond to ). I called XXXX today to discuss the disputed charges and was told I should have known to cancel my account after they had already deactivated it, and that I should know to return the equipment and that I should know I will get charged for them. Not when I was told on XX/XX/XXXX that the equipment was no charge upfront and that I would not be charged. XXXX can not provide me with the exact dates my service was active, and say they did not cancel my account until XX/XX/XXXX, which is XXXX months after they deactivated my service. I told XXXX that I believe I am liable to pay for the XXXX days the Internet was active, but not for the other charges that I did not agree to nor were unaware of, nor that they would charge me these extra charges at a later date. XXXX tell me they only added the charges onto my account in once they cancelled it! And then failed to inform me of this information, I found out through their third party debt collector, IC Systems. Obviously, Im not going to pay the debt collector, nor any XXXX bill, until Ive resolved these charges that I never agreed to.
01/25/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 27713
Web Older American
Out of the blue, I received a letter 10 months ago from a collection company, XXXX XXXX XXXX XXXX XXXX, NY. The letter was dated XX/XX/XXXX, and it was alerting me that XXXX was collecting a past-due balance of {$350.00} from me on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. I was baffled and stunned to receive this notice because I had paid my cable bill in total to XXXX XXXX before cancelling service with them in XX/XX/XXXX and returning the cable box and equipment. I never received any further communication from XXXX after paying my bill in total, canceling service because I moved to another residence and returning equipment. Immediately after receiving this notice about a bogus bill in my name, I contacted XXXX XXXX XXXX XXXX and filed a complaint against XXXX XXXX and XXXX XXXX for trying to collect a bill that was not mine and failing to communicate with me the details of the alleged bill : what were the dates of services, what kind of services, what were the original charges, when did the bill become past-due? In a timely manner, XXXX XXXX sent me a letter notifying me that they will never contact me again or hire any third-party to contact me on the company 's behalf about this bogus past-due claim for {$350.00}. Additionally, I never again heard from XXXX XXXX XXXX. I was satisfied with the responses and considered the matter closed. However, nine months later, I received an annoying letter from IC System, of XXXX XXXX, MN, advising me that they are collecting the same alleged past-due amount of {$350.00} from me on behalf of XXXX XXXX XXXX for unspecified service charges. Again, this was out of the blue, no earlier letters or phone calls. Further, IC System, reported this bogus past-due allegation in the amount of {$350.00} as an unpaid collection to XXXX credit reporting services, which lowered my near-perfect credit score by XXXX points from a near-perfect XXXX to a paltry XXXX. Immediately, I filed a complaint against IC System, XXXX and XXXX with tXXXX XXXX XXXX XXXX. I am awaiting a XXXX response. XXXX XXXX is the parent company of XXXX. XXXX should have abided by the decision of XXXX to stop any further actions against me for an alleged debt that they could not confirm as mine and could not specify, qualify or quantify or provide specific details of any kind to me because the charges were not made by me. Instead of ceasing and desisting actions against me based on fraudulent and flawed information, this bogus past-due collection was sold to another collection company to pursue actions against me after I was told by the initial alleged creditor, XXXX XXXX XXXX that all attempts to pursue this bogus collection would be stopped. # # #
05/01/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89115
Web Servicemember
My name is XXXX XXXX XXXX am a victim of identity theft the information listed in this email which appears on my credit report does not relate to any account that I have made or open it is the result of identity theft Please block this information from my credit report pursuant to section 605B of the fair credit reporting act and send the required notification to all furnishers of this information enclosing this email or screenshots of the fraudulent accounts a copy of my credit report I received the fraudulent items are as I said in the screenshots attached to this email a copy of my identity theft report and proof of my identity a copy of section 605B of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days Also attached to this email you will find a copy of my complaint with the cattle retreat commission you will find another complaint to Fbi IC3 crimes unit you would also find an affidavit from the IRS for identity theft you would also find a report from XXXX XXXX XXXX Police Department and you will also find a copy of my lease and you would also find a copy of I am doctors restrictions As you can see from the attachment in this email my Social Security number trays that I searched on XX/XX/XXXX it appears as someone is using my Social Security number located at XXXX XXXX XXXX, XXXX, CA XXXX and the aliens that they are using is XXXX XXXX Furthermore the information that XXXX has put on my credit report was removed in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX it is unfortunate that XXXX has chosen to violate my rights and discriminate against me by expressing depraved deceptive and misleading business practices My hope is that we can resolve this issue quickly this XXXX of my identity has been going on for far too long years and if XXXX is still not going to follow the laws and rules of the current consumer protection act then I will file my complaint with the United States justice department for discrimination with people XXXX as well as well consumer protection agency Im not sure why XXXX has chosen to re-open claims that or fraudulent accounts they were open on my XXXX XXXX report after I had already disputed it and it was removed XXXX re-opened it for whatever reason it was wrong and it was bad business practice furthermore at the time in XXXX XXXX I was XXXX and in and out of hospitals four weeks and months at a time I have also the hold a complaint with Nevada state attorney generals office in XX/XX/XXXX and I also have a pending complaint of assault with the XXXX XXXX XXXX Police Department dated XX/XX/XXXX as well
07/10/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60643
Web Servicemember
On XX/XX/2018 I received a letter dated XX/XX/2018 from this collection agency that I never did any business. I immediately responded with a letter stating that I did not have any business with the collection agency and because they are a 3rd party collector they need my permission to furnish any information on my credit as it is stated in the FDCPA. I clearly told them they DO NOT have my permission to access nor report on my credit file. I requested validation, verification, proof of contract and a certified copy of an authenticated original contract with my signature naming them as an entity entitled to enforce a commercial claim against me. I informed them that according to the FDCPA they have 15 days to provide the strict proof of contract or they must cease and desist any & all collection efforts. I am attaching a copy of the letter as proof. On XX/XX/2018, I received a responding letter dated XX/XX/2018 from the collection agency stating they would honor my request to cease communication and they would be terminating any further collection efforts. They then stated that they would send weekly electronic files to credit reporting agencies listing debts that are unresolved and unpaid 15 days after they begin collection efforts. They DID NOT send the requested information that was clearly listed in the verification, validation & proof of contract letter that I requested. They also did not respond with said information within the 15 days that the FDCPA allows. On XX/XX/2018 I responded to the collection agency stating they did not provide strict proof of contract at all, which puts them in breech of the 15 day window listed in the FDCPA. I also stated that I appreciate them for stating they would cease communication and terminate collection efforts, but they should also NOT do anything as it related to my credit files for they DO NOT have my permission. I also listed the missing information that they DID NOT verify NOR validate. I clearly stated my remedies in the event they violated my rights by reporting this unverified, unvalidated & uncertified information on my credit report. I even CC 'd the legal firm I may use in the event they go any further. This collection agency did not honor their word nor did they provide any proof ; they did send a letter to the law firm stating they intend to collect on the alleged debt. Yesterday, XX/XX/2018 I saw that this collection agency did file a collection report to the credit reporting agencies which clearly violates my rights and has hurt me in the process for I was attempting to get a loan. I have attached all letters that were sent to and received by the collection agency.
08/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33125
Web
To Whom It May Concern, This letter is regarding account I.C. Systems Inc, which you claim this is my debt. This is formal notice that your claim is disputed. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information in herby requested. Additionally, please provide name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
05/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IN
  • 46016
Web Servicemember
Hello, A company called I C SYSTEM INC is attempting to collect on a debt that was turned over to them in the year XXXX for a company called XXXX. In my first call to the company XXXX, a XXXX employee told me they attempted to collect the debt in early XXXX through XXXX before turning it over to the collection company I C SYSTEM INC. I C SYSTEM INC puts this debt on my credit report in early XX/XX/XXXX, and puts it as a debt from the previous month of XX/XX/XXXX. I tried contacting I C SYSTEM INC and they told me to contact a different division known as XXXX fraud division since I never had this account in the first place some 7 years ago. I called XXXX fraud division and spoke with a Fraud investigator named " XXXX '' who looked in the computer using my social security number, date of birth, the address that I C SYSTEM INC provided me, and the phone number that I C SYSTEM INC provided me. XXXX Fraud Investigator told me on the phone that there was no account past or present that showed up in their system. I am including the Fraud hotline for XXXX in this message if the information needs to be verified. This I C SYSTEM INC is obviously falsely reporting when the debt occur ed on my credit report ( they admitted it was from XXXX or XXXX not XXXX ), the company they stated they were collecting from has nothing on file for me, and every attempt to dispute their postings on my credit reports has failed. To add to all these questionable things that I C Systems INC did ... they also waited until there was a state of emergency in the country to add this to my report ... making it very difficult to obtain financing and to pursue litigation against them due most state offices being closed. They placed the same thing at the same time on both XXXX XXXX and XXXX. I am a XXXX and have been trying very very hard to everything right. I've been told several times to give it to a local news agency to help protect me and my credit from this company. I don't know what can be done here, if nothing is done here then I guess I will just need to go to court and the news to get treated fairly. Phone conversations with I C SYSTEM INC all recorded. Phone conversations with XXXX all recorded. I C SYSTEM INC phone number : XXXX XXXX XXXX XXXX phone number : XXXX XXXX XXXX Information on my report : Account NameI C SYSTEM INC Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXXStatusCollection account. {$370.00} past due as of XX/XX/XXXX. Status UpdatedXXXX Balance {$370.00} Balance UpdatedXX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$370.00} Highest Balance {$0.00} Terms1 Months
09/08/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55987
Web
I am referring a case to the Consumer Protection Bureau as follows. First, please see the most recent document, 'New_Debt_Collector_Account.jpg '. This was sent to me on XX/XX/2021 and arrived on XX/XX/2021. This is a letter from " I.C. System '' telling me I must pay a delinquent account for " XXXX ''. An account I thought that was already settled by " Offices of the XXXX XXXX XXXX ''. Or so I believed. Until now... See attachment 'dispute.rtf '. This is the original letter I sent to " Offices of the XXXX XXXX XXXX ''. Within 'dispute.rtf ' is a very detailed, and extremely well articulated ( if I do say so myself ) dispute letter, delineating the abuses and reasons to " XXXX '' of why I would not pay the bill. In a response, sent back to me by " Offices of the XXXX XXXX XXXX '', 'dispute_response.jpg ', they said they would discontinue their collection efforts and no information regarding this account would be referred to the credit bureau XXXX THEN, 7 months later, from " I.C. System '' I receive, 'New_Debt_Collector_Account.jpg ', as first seent above, saying I still owe this debt. My question, to " I.C. System '' " XXXX XXXX '' and the " Consumer Protection Bureau '' are : How can I dispute and then remove a debt, that I legitimatlly do not owe, and be exonerated from it, if " Charter/Spectrum '' can simply refer it to another debt collecting company to try and collect it? And then tarnish my credit? Is misleading a consumer like this 'legal '? As 'dispute.rtf ' indicates, I even said I would contact the Consumer Protection Bureau and the XXXX. I did not originally do this and regret that decision, but I am doing so now!! Furthermore, due to the unparalleled absolute deceptive malfeasance on the part of " XXXX '' and these debt XXXX, I am considering approaching media outlets with my story. Consumers can not and should not be ripped of this way and their credit tarnished, while a corrupt telecommunications company and their debt collecting cronies attempt to charge them for several months of internet they never had. This is fraud, it is illegal, and it needs to stop. And I wish to be exonerated from this debt as I was originally led to believe!!! Finally, if " XXXX '' are part of any class action lawsuits involving this behaviour ( and I'm sure they are ), then I wish to testify on the behalf on any government, individual, and/or private institutions as to the corrput nature of entities such as " XXXX '' and their debt collectors, and hereby consent to providing all the following statements, including all attachments herein, and any testimony they want me to give as evidence. -XXXX XXXX XXXX XXXX XXXX
01/10/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23607
Web Older American
Signed up XXXX XXXX with XXXX XXXX XXXX for dogs care. Had payments taken from checking account each month until XXXX of XXXX. Was paying {$44.00} monthly. Twice they increased but never notified me. I only saw the increase when checking my statements. Then I would call to let them know that I couldnt have this do this because Im on a set income. I called to cancel XXXX of XXXX was told I couldnt cancel. So I kept paying. Calling back I was told have to call XXXX moths before plan renewal, so I did. My pets lat visit was XXXX XXXX XXXX. So I called to let them know that I wanted 2 cancel plan being that I had to notify them XXXX months in advance. I have been talked 2 so rudely each time I tried to get someone to understand that I could no longer afford to keep plan and pay. They talked over me and told me there was no one that was over them that I could get any help from. I male even told me what not to say to they person he was transferring me to. I continued to pay {$260.00} from XXXX XXXX until XX/XX/XXXX. I never received any corespondents from them. Then a letter from collections, stating they received a bill that was a 120 days pass due for {$130.00}. I called back to XXXX asking where was the money that was paid to XXXX by my bank. Young lady asked when was that paid as if she had no record of that. At this point and time the collection amount is {$310.00}. That would be twice the amount of & XXXX plus the collection fee of {$47.00}. I have asked where is the money received from bank that would have taken care of the collection fee {$130.00}. I paid XXXX without any problems except when they put through increases. Iihave been informed I was paying double for shots that all dogs only need on each year But the worm exams are taken twice a year. Even with paying automatically I still paid out of pocket when they would say she needed something else when they had me to drop pet off I had to tell them not to do anything extra until they spoke with me This what they didnt like when I wanted to know what dog needed that my plan didnt over. They began to start treating me differently when I would go in or call in. Then they stopped giving me printouts of services rendered. When I called IC System about the collection, I was given the total {$31000.00} and the bill will be put in for a Judgement on XX/XX/XXXX. They stated could settle for {$200.00}. But I keep asking where is the money paid to XXXX from bank That would pay the only bill received as the amount due & XXXX. XXXX never sent bill tome until it was sent in for collection. I will appreciate all that will keep this from gong on my credit. Sincerely, I Thank All!,
10/23/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 99022
Web
I requested internet services from XXXX on XXXX XXXX, XXXX. The technician scheduled to set up the internet services at my residence never showed up during his scheduled window of time, nor did anyone call to reschedule. I never received the hardware that was part of my internet services requested because the technician never came. A bill was received dated XXXX XXXX totaling {$110.00}, I did not pay this bill because I did not receive the internet services. I called XXXX to explain the situation and close the account, as services had not been rendered. I explained that I would not be paying the bill dated XXXX XXXX and wanted to close my account. The person I was speaking to could not cancel my account themselves, apparently, so they transferred me to the account cancellation department. As soon as I was connected to a representative in the account cancellation department, I was hung up on. For personal reasons, I moved out of the residence I requested internet services for during the first week of XXXX XXXX. I received a bill dated XXXX XXXX totaling {$190.00} and called XXXX again to officially cancel the account, as my first conversation with them did not result in cancellation. The account was officially cancelled with XXXX over the phone on XXXX XXXX, XXXX with the balance owed being {$0.00}, confirmation # XXXX ( I have a record of one version of the cancellation confirmation number being # XXXX ). I received another bill dated XXXX XXXX totaling {$190.00}. I called XXXX Customer Service again to confirm the cancellation and that no amount was owed. I received yet another bill dated XXXX XXXX totaling {$300.00}. This time, I determined that calling representatives was not effectively clearing the account balance and stopping the bills from being sent. I wrote a letter dated XXXX XXXX ( photo attached as a file to this complaint ) confirming the sequence of events, my account number, and my cancellation confirmation number. I detached the portion of the bill you are supposed to include with your mailed payment, included it with the letter I wrote, and mailed both to XXXX. I received a letter from I.C. System, Inc., a debt collecting agency, dated XXXX XXXX, XXXX requesting that I remit payment for the amount of {$300.00} with XXXX being the creditor. I will send a letter on XXXX XXXX, XXXX to I.C. System, Inc. to request verification of the debt and that they contact me no further, outside of debt verification, while I dispute the debt. I am submitting this complaint today ( XXXX XXXX, XXXX ) in an effort to get all parties at XXXX on the same page, so that I no longer have this " debt '' for services not rendered.
01/21/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 93455
Web Servicemember
In late XX/XX/2019 I received a notification from my credit monitoring service that there was a collection added to my XXXX credit file. I immediately contacted IC systems and paid the medical they were collecting on behalf of XXXX XXXX. The amount owed cleared my account on XX/XX/2019. The collection was removed from my XXXX Credit report as per the agreement with IC system in mid-XX/XX/2019. On XX/XX/XXXX I was alerted that the same item by IC system for the same amount had been re-added to my XXXX credit report 2 days earlier. I immediately contacted IC Systems where a very rude representative ( he was dismissive and did not want to hear what I had to say ) hung up on me. I called back and another lady answered and was kind enough to look at my file and confirm that I had in fact paid and that it was updated back in XX/XX/2019. I had paid the agreed upon amount and they had removed it from my credit report. She advised she would notify her supervisor and her supervisor would call me the next day. The next day came and went and no one from IC systems called me back. I waited and called again on the XX/XX/XXXX. To which no one helped even after 2.5 hours on the phone and over 7 different transfers. I even called XXXX XXXX XXXX which reported that IC systems never told them ( XXXX XXXX XXXX ) that I had in fact made a payment back in XX/XX/XXXX. I asked the XXXX XXXX XXXX representative to stay on the line and confirm to IC Systems that this was the same date of service and not a duplicate. He stayed on the phone while I was transferred 7 more time and no one would speak to him or I to clarify this situation. Currently my credit score/report are taking a significant hit because these two companies can not get on the same page and report correctly to the Credit Bureau, even after confirming payment. I am at a loss at the lack of customer service with IC Systems staff. I am significantly upset that something I handled so promptly is taking this long to handle. No to mention that ALL of this would have been avoided if XXXX XXXX XXXX would have billed BOTH my insurances for the service they provided, and followed up with the required information my insurance requested from them. So not only did I pay for a collection that I was OVER insured for, but now I am dealing with IC System and their defunct way of damaging my credit report without concern, even after I paid. I hope no one else has to deal with situations like this but I see that this is common practice with these two companies. I ask that my credit report be correctly updated and the collection that was placed on my credit file erroneously be removed.
09/24/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21060
Web Servicemember
I recieved a letter in mid XX/XX/XXXX ( Dated XX/XX/XXXX ) from a debt collection comapny named I.C. System Inc ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that I owed {$100.00} to from a debt owed to XXXX. I have never had XXXX service for anything ( phone, internet, tv ). I had when I was originally buying my new home in Maryland ( I signed the paperwork in XX/XX/XXXX, however I did not move into it until XX/XX/XXXXas I was on military orders in FL until XX/XX/XXXX ) looked into getting XXXX service, and provided XXXX some basic information in order to get pricing infomration for my area. I however went with XXXX XXXX service rather than XXXX and never had XXXX service hooked up. At one point several months after having moved into my new home ( possibly XX/XX/XXXX timeframe ) recieved a bill from XXXX. I called XXXX and was able to talk to a customer service representative who confirmed that I never utilized the service and removed my account from their system. I believed at the time that this had resolved the issue, until I recieved the letter from I.C. System. I immediately called I.C. System to attempt to resolve the issue. Their customer service represntative told me that the collection account would be placed in a disputed status and that I would have to send in proof to show that I did not have any XXXX services at my home. I did this ( original documents sent to I.C. Systems are included as an atttachment to this complaint - updated to show that I have continued to utilize the same services ) and did not hear anything back from either XXXX, nor I.C. Systems so I considered the issue resolved once again. That was until I saw my credit score drop drastically last month and was very concerned about this especially due to the recent XXXX leaks, as well as the fact that I am in the XXXX and XXXX had my information at the time they expeirenced a massive data breach as well. I keep a tight eye on my finances and do not like to have deragotry marks on my record especially when I have attempted twice now to resolve this issue. The proof I provided is substantial as it coverd the entire timeframe that I had been in this new home ( I moved into the home in XX/XX/XXXX ). Prior to that I was on XXXX XXXX XXXX to XXXX FL at XXXX XXXX. I would like to resolve this issue as quickly as possible as I was planning on buying a new car near the end of the year for my wife and the massive hit to my credit report for a debt that I am in no way responsible for is not something that I would like to have on my record. Please let me know if there is anything you need from me in order to expedite this result.
01/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 39553
Web Older American
I had my phone services turned off by XXXX XXXX I had a month to month service no contract and I only had the senior citizen bill for ( XXXX a month no contract ) but XXXX kept overcharging me and taking wrong amounts off the card I payed them with and I had been asking them to stop over charging me they never did so I disputed my XXXX bill and XXXX turned my phone off even though they got my payment for XX/XX/2020. And they lied about not having the money for XXXX so I called my card company AND they said XXXX still had the XXXX payments and then I payed them for XX/XX/2020 and they turned my phone off AND kept my XXXX payment of ( XXXX ) I had them payed up they never turned my phone back on they never porated my XXXX payment they took my money and never turned my services back on! And then while my is off they trying to collect a three month payment from me. I do not have thier services anymore and they been charging me and other customers ( ( 2 to 3 months ahead without even using thier services this is defintely illegal and they sent the bill collection a false bill amount knowing I owe them nothing and knowing they turned XXXX my phone even though I had month my bills for XXXX and XXXX of XXXX 2020 XXXX they kept my whole month of XXXX payment AND did not! Restore my services. This company is a fraud and extremely out of the law and all federal rules policies and regulations I called the collection services and told them I owe XXXX XXXX nothing they took my money mhe bills was payed up with them AND they turned off my services with my bills beening payed up in full! And they sent the bill collection a false bill for services I did not receive and never will. I only had a month to month bill with them prepaid flex services no contract. They needs to be investigated and arrested. Sending false bills to s collection agency and my bill payed in full and they charging me for a disconnected no working phone bill! Now that's fraud scamming laudering and thief and lies. They are straight out thieves and needs to be closed down and defintely arrested AND in prison. You do not sent collections agencies fate bills knowing you disconnected the customer services and keep my payment and never returned it. You all be blesssed in loving XXXX AND OUR loving father our XXXX. Sister.XXXX XXXXXXXX and they are refusing to give me a paper statement for my bills payments and I asked them to email them they still refused and never did sent any. I told them it's my civil rights to request AND get copies of my bills and payments they refused and sometimes they hang up on you and never sent anything.
05/16/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63390
Web Servicemember
On XX/XX/2022, I sent a letter to IC Systems because I noticed a debt reporting to which I did not have any knowledge. I was denied the dunning period and the account was intentionally reported to my credit causing my score to drop drastically. My rights were violated because I was not notified of the alleged debt owed and when I tried to fix the issue, the debt was immediately transferred so that I could not even settle the debt, if that was even a possibility. Since I was not notified of the deletion, I checked a later report. I immediately contacted IC Systems XXXX, XXXX and XXXX by mail to make them all aware of the account being added without verification and the violations that occurred. At that time, on XX/XX/2022 I sent an invoice to be paid as a result of the violations and intentional and willful harm this unverified account caused me. I have included the tracking number for the documentation sent below on tracking USPS receipt. I was ignored again, same as before by senior management and the owner of the company. Below are a list of violations that occurred with IC System and still to this date, no true resolution has occurred as I was harmed intentionally and I do believe it was done so with malice and I am unable to get any communication from anyone. I do not believe they will communicate with me under any circumstances that are just between them and myself. Violations that occurred are as follows : 15 U.S. Code 1692g ( a ) Notice of debt 15 U.S. Code 1692g ( a ) ( 1 ) the amount of the debt ; 15 U.S. Code 1692g ( a ) ( 2 ) the name of the creditor to whom the debt is owed ; 15 U.S. Code 1692g ( a ) ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 15 U.S. Code 1692g ( a ) ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; 15 U.S. Code 1692g ( a ) ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692g ( b ) Disputed debts 15 U.S. Code 1692g ( c ) Admission of liability 15 U.S. Code 1692g ( e ) Notice provisions
10/07/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • DE
  • 19933
Web
Breach of Contract : I received inferior engineered floors that were thrown down in 45 minutes. They cut up and ruined my stairwell carpet and did not place the new carpet for which I paid. I did not get thick padding. I did not get strips dividing the rooms. I received no glue and no nails. They hid the unilateral changed contract from me. I paid other companies to do for what I contracted with XXXX that it failed to do. Described below outlines my contract with XXXX : 1. Engineered flooring with glue ; I requested nails in lieu of glue that was promised and agreed upon. I did not get glue or nails and was told after the install, They could do it for an extra charge. I will not pay additional costs for something that was already paid, promised and expected. 2. Thick padding ; When confirming my install, I was informed and assured by each person I spoke with, Thicker padding in in the contract. I received no padding. I was promised they would fix it. I was then told, It is in your contract, but we didnt charge you for it, so. 3. Colored coordinated rounds They arrived on XX/XX/20 with white rounds. I did not let them in. They came back on XX/XX/20 with the correct quarter rounds to do the work. 4. Room separator strips ; ( I was told they separate all rooms ) I ordered and was promised room dividers and was told, We put them between every room. I did not receive room dividers. 5. New carpeting for staircase I selected and paid for carpeting and did not get carpeting. I never had a contract with XXXX. I made a contract with XXXX. XXXX stated it was not XXXX and they are their own company. XXXX or XXXX accepted the agreed upon resolution of {$2900.00} and then XXXX informed me inXX/XX/XXXX they accepted the resolution before Arbitration, but they were still going to ruin my credit. I asked XXXX, You are saying that you did not accept the settlement, She stated, We accepted it. XXXX breached its contract when it unilaterally changed the contract. They promised to fix their breaches, but ignored the over 90 inquires I made for resolution. The floors sink and crackle when walking on them. They lied and stated they inspected them. They have not been to my house to inspect nor correct my issues ; and only attempted to put carpet on the steps after I filed a dispute. They gave carpet install dates on days I had a scheduled XXXX and when I was not in town and would not address the floors. I wanted the corrections done at the same time. I gave up and went to other contractors and paid other companies to perform what I paid XXXX to do. Please see attachments
04/06/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33615
Web
I was notified by I.C. Systems, Inc., a debt collections company, on XX/XX/2022 via mail regarding an alleged debt. I have reason to believe I do not owe this debt because it the result of an unauthorized balanced billing, pursuant to Florida Law Section 559.72 ( 9 ). I contest that this debt is legally without merit and name XXXX XXXX XXXX XXXX and I.C. Systems, Inc. in this complaint. XXXX XXXX XXXX XXXX has fraudulently reported the provider non billable amount to this collections agency, disregarding the negotiated fees between the Preferred Provider and the PPO. According to documentation provided by XXXX XXXX XXXX XXXX, who was in network with XXXX XXXX XXXX XXXX during the date of service and used their pay schedule, the patient responsibility for services rendered is {$2600.00} and the provider non billable amount is {$1000.00}. The patient has already satisfied their patient responsibility of {$2600.00}, having paid a total of {$2700.00} to XXXX XXXX XXXX XXXX, as reflected in their previous contractual payment plan. Please reference the supporting documentation that reflects the information stated above. As a result, XXXX XXXX XXXX XXXX has fraudulently reported this debt and I.C. Systems, Inc. is attempting to collect a debt that is not my responsibility. I have attempted multiple times to resolve this with the provider, however they are falsely claiming they are out of network with my insurance agency and have threatened to send the 'unpaid balance ' to collections multiple times. XXXX XXXX XXXX has denied these claims as they did not receive sufficient information from the provider. Both the provider and myself have sent multiple appeals to XXXX XXXX XXXX, however, XXXX XXXX has informed the provider multiple times that they need new and additional information in order to process the claim. The provider failed to provide new information and I had to submit two separate claims to the XXXX XXXX on behalf of the provider. Ultimately, the insurance company did not process the claim and the provider sent the non-billable amount to debt collections. I fear that XXXX XXXX XXXX XXXX is taking advantage of patients and not acting in good faith when attempting to bill insurance and process claims in a timely fashion and I.C. Systems, Inc. is complacent. Instead, they are using balance billing and the threat of debt collections agencies to intimidate patients into paying what insurance does not. This is a scare tactic that is unethical and should be looked into further as it is a fraudulent procedure. Please see supporting documentation attached
01/10/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 29406
Web
XXXX XXXX XXXX XXXX XXXX XXXX was removed from my credit reports, ( EXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I successfully disputed XXXX XXXX of {$170.00} Termination Fee. I do not and I have never owed XXXX a {$170.00} Term. Fee. I have statements I paid from XXXX ( {$10000.00} ) .I paid every month, even the last three months that I had no internet connection or land phone ( XXXX XXXX ) .I terminated XXXX XXXX. Via phone on XX/XX/XXXX and Returned Equipment XXXXI PAID all charges owed through XX/XX/XXXX. XX/XX/XXXX they tacked on a Termination Fee I didn't owe, had never been told of or spoke of from any XXXX XXXX a Fraudulent, illegal charge. In XXXX XXXX when the fraudulent charge was removed from all of my credit reports, XXXX went to another Collection agency-icSystem, letter dated XXXX-Received XX/XX/XXXX, with the same illegal fraudulent charge. Letter is threatening me, if I don't pay the {$170.00} or at least settle to pay # XXXX the charge will go as a Collection against me within 30 days to all national credit agencies. XXXX blatantly gets another Collection agency to represent them to try to keep a fraudulent charge I never owed, against me on my credit reports. I had even paid for the months I had no service ( XXXX ). You can see from all of the accounts I have in good standing, no past due or over limit, I properly pay what I owe, but I don't pay wrong, illegal, fraudulent charges I do not owe.I do not owe Comcast-icSystems, or any of the XXXX Collection Agencies ( XXXX, XXXX, XXXX XXXX XXXX ). The audacity of XXXX to deliberitly and fraudulently attempt to swindle money out of an impoverished XXXX XXXX such as myself and to blatantly disregard all of the Credit Bureaus decision to remove the XXXX/Collection agency charge from my credit reports by hiring another Collection agency-icSystem thinking they could disregard/disrespect the Credit Bureaus and me by side-stepping through another agency to immediately keep attacking me.I attempted reasoning with XXXX XXXX, when I made a final payment to them of XXXX arrogantly refused to listen or reason. This fraudulent charge has cost me Insurance and Finances in a time of dire need.Can you correct/delete this problem? I have also contacted FTC. XXXXCollection Agencies should not be able to Illegally Harrass me for a debt I never owed, especially less than a week after the Credit Bureaus deleted it from my credit reports. Isn't it illegal to negatively charge a Continuity without express consent? Can you please Stop this erroneous bully XXXX from further harm of me and others. Thank you,
10/30/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02767
Web
Hi, how can you be late and past due on collection accounts? Why are you failing to provide me detail request to validate this account? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
08/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21222
Web
My dog was enrolled in XXXX XXXX XXXX vet plan, this is true, no dispute HOWEVER, XXXX XXXX XXXX Breached their Duty of Care to my Pet, negating to provide proper XXXX services when scheduled and it is my contention waiting for them to reschedule caused my pet further damage. My dog had XXXX and was to have XXXX checked and removed and also had developed what we later found out was a XXXX, which began on her XXXX and ultimately spread everywhere. She had her XXXX on XX/XX/XXXX..her appointment at XXXX was XX/XX/XXXX which was approximately two weeks and they called and cancelled as they had some doctors leave their employ and were unable to see my dog who needed to be seen. I did let the girl who called know that XXXX needed to be seen and she advised they were arranging for vets to come in and would call me. I never got a call, XXXX in spite of the collar we had for her and the XXXX got worse. I called the Bureau of Veterinary Medicine and found her old doctor who was aware of her severe health history and eventually took XXXX to see her, by that time, I had spoken with a doctor and used home remedies like XXXX to relieve some of the symptoms but XXXX was XXXX by this point. Once I got all of this done and the doctor was finally able to see XXXX it cost me XXXX and this was a discounted price because they knew I had saved XXXX through a animal rescue and did not have this kind of money. The credit agency is performing a service however, they have been informed that they should not be trying to collect this debt. If this debt appears on my credit report, I have sought legal representation and will dispute same with documentation. If they file in a court of law, I will also file suit against XXXX XXXX XXXX for neglect and damages done to my dog. A complaint has been filed with MD state against the clinic involved and XXXX XXXX XXXX in general. I have explained to the collection agency who calls non-stop, that I will pay a bill, but I will gladly meet them in court before I pay this billl as their client breached our contract by breaching their duty of care to my pet and their veterinary oaths hanging on their wall. I will never deal with them or with XXXX ever again. There are too many venues around who actually care about pets. I used to spend all of my pet money in XXXX as well as my friends, the animal rights people and boyfriend. I have not even begun to publish the complaints I have about how my Hope was handled and how I was harassed by both XXXX and this credit agency for money. Thank you for your time, XXXX XXXX
04/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • TX
  • 78231
Web Older American
I have been receiving collection notices from XXXX different XXXX collection companies, attempting to collect this amount, for at least a year to two years. The first company failed to validate the debt and ceased communication with me when it failed in its duty to validate. After there were no longer communications with this company, I received a second set of collection notices from a different debt collection company seeking the same amount of money. XXXX obviously sent the alleged debt off to a different debt collection company when the first was not successful. Again, I asked in writing for validation of the debt from this second company as required by law. The validation failed to identify the debt 's particulars in order for me to determine if it was a valid debt. After I pointed this out in writing to the debt collection company, it sent me a letter stating that the debt would not be collected upon and that my credit report would not reflect that the debt was under collection. I assumed XXXX would honor this resolution. Today, XXXX is trying to collect this alleged debt from yet again a third debt collection company -- even after a finding by its own debt collection agency that there is no valid debt and that the debt is off my credit report. XXXX continues to try to collect this debt despite my attempts to learn more about it ; contest it again ( at least six times already, including times with XXXX directly and despite a finding in my favor by its second collection agency ). I also contested this debt when it was directly an issue between me and XXXX. XXXX continues to hold this debt against me, continues to harass me with different debt collection agency notices, despite findings that it is not my debt from their own agents. Furthermore, XXXX continues to carry this debt in its accounts as delinquent. This third collection agency sent me a letter within days after I called XXXX to look into changing my service with it. XXXX said it could not change my service unless I paid this old, contested bill. That was when I found out it was still on my records with XXXX. It continues to share information wrongly with debt collection agency after debt collection agency. What is even more egregious is that XXXX used my communication with it for different service to reassert the alleged debt, and also to deny me a change in my service. Fortunately, I did not agree in writing to change my service with XXXX at that time because of XXXX anemic business practice history with me, both personally and through my business.
05/21/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30043
Web
XX/XX/XXXX, I reported my XXXX XXXX as stolen. The phone was placed on a seasonal hold. I bought the phone for {$310.00} refurbished from XXXX XXXX. I had been a customer over 20 years. XXXX corporate edited the bill and closed the case. Unfortunately, on several occasions, XXXX opened the line for the unauthorized user and billed me. They wanted to charge me a {$250.00} deductible to replace the phone prior to corporate overriding their billing after the lines were opened more than once. Were supposed to give a access code, but they continued to bill me for the thefts usage. I called the phone on XXXX and a young lady would answer stating that someone sold her the phone. Lastly, they tried up charges of {$190.00} and Id had enough, so I reached out to corporate escalations. I was told Id receive a call back. I waited a week, and had been paying them on autopay. No call backs were initiated, so I called XXXX XXXX XXXX and ported my line over to them because my contract had ended with XXXX years ago! In XXXX, XXXX, I became XXXX & XXXX customer. XXXX asked that I returned the main line XXXX XXXX XXXX XXXX after I ported my line over to XXXX XXXX XXXX ). I sent the tracking # and receipt to XXXX for dispute via the first collection misrepresentation on my account. There collection was removed from my account in XX/XX/XXXX only to be reapplied for the same false collection claim that was removed and resubmitted XX/XX/XXXX by IC Systems collections. Stating that my account was 30 days late for {$1100.00}. My bill was paid in full XXXX XX/XX/XXXX XXXX, my account was closed properly, and they received the XXXX XXXX XXXX back in perfect shape. However, they kept billing for the stolen phone and the last bill before I left XXXX in XXXX was XXXX, now its over {$1100.00} and my account was closed. The theft of the XXXX XXXX is still a working number on my account by their own discretion. Im no longer a customer and XXXX breached their insurance contract, my report of a stolen phone, and closing the account. Theyre back with a new collection agency and causing undue stress on me, I strongly believe its because they sold out to XXXX and theyre not aware or could care less about XXXX charades. I had them removed from all 3 credit bureaus because I turned in proof that Im not a customer after over 20 + years of numerous refunds and edits to my accounts and unauthorized use and multiple errors. I feel its unfair that they can hire multiple collections agencies for a fraudulent claim that has been deleted for the same false charges.
10/10/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93021
Web
I have tried unsuccessfully to get an item removed from my credit report. It is a debt that originally came from XXXX XXXX for cable service. The amount of the alleged debt is {$140.00}. I had a service contract with XXXX XXXX for cable but became dissatisfied when they were bought or acquired by XXXX XXXX XXXX. I called to end my service and was told I would have to pay the amount of {$140.00} even though my original contract was with XXXX XXXX and not XXXX XXXX XXXX. My service with the company ended sometime at the end of XXXX. I believe it was XX/XX/XXXX or XX/XX/XXXX.XXXX XXXX XXXX then sent my account to collections within a year of my service ending. It showed up on my credit report and I did not dispute it. That debt has since been sold to several other debt collection agencies and the info listed was not correct so I disputed it with XXXX XXXX and XXXX XXXX determined it was not accurate and it was removed from my credit report twice by XXXX XXXX from two separate collection agencies. Now it has been sold again to the debt collection agency " I C System ''. The account was opened with them in XX/XX/XXXX. I have called IC System and requested information on that debt because the dates are invalid. I contacted them on or about XX/XX/XXXX as well as on or about XX/XX/XXXX. I have yet to receive any sort of documentation from IC System. I also disputed this debt with XXXX XXXX twice and was told they verified the debt was accurate. I asked XXXX XXXX to send me the original contract and all of my payment history because this is not accurate at all. I am currently awaiting an answer from XXXX XXXX. The investigation was supposed to be finished on XX/XX/XXXX but it is still under investigation over two months after I filed the dispute. It is clear that the debt collection agencies are reselling this debt from XX/XX/XXXX when it gets removed from my credit report and then the new agency that buys the account is listing the account as new when it is an account that is nearing it's statute of limitations. This is fraud. You can not keep a collection account on a credit report by changing the dates to show it as a new account. I have done my due diligence in requesting from both XXXX XXXX as well as IC System to send me the original contract as well as my payment history. If neither company can provide me with my requested information, then they can not prove that it is a valid debt. I would also like to know how XXXX XXXX determined this debt to be accurate when they did their first investigation in XXXX XXXX XXXX.
07/02/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • MI
  • 48093
Web
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
06/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92177
Web
My name is XXXX XXXX. I purchased an XXXX from XXXX in XX/XX/XXXX. I had an account open from XXXX XXXX. I closed that account so I could assume responsibility for the phone and phone number I had from my ex-boyfriends account ( he had disconnected the line in XX/XX/XXXX, which is why I went to go open a new account in only my name, but then he agreed to let me keep that original phone I had. ) I wasn't able to pay the account in full at cancellation, but months later I did pay the account in full. I have a letter from XXXX XXXX XXXX and a Bank Statement showing I paid {$1000.00} to XXXX on XX/XX/XXXX. ( I made the payment XX/XX/XXXX and it posted on XX/XX/XXXX. ) For the past few months my children and I have been receiving harassing calls from a company called I C System. The call says scam likely on the phone. I called XXXX to report the calls and they advised me to block the calls and download and pay for an app called XXXX. After months of ongoing issues, I asked what else I could do. An adviser suggested switching from XXXX to XXXX because XXXX is more secure and less likely to have scam calls. After having 3 XXXX phones for less than 1 year, I purchased 3 new XXXX phones. I brought in the XXXX XXXX with hope to use it as a trade-in. I was told the phone was blocked because money was owed on the account and it was sent to collections. I told the person helping me I paid XXXX in XXXX. He called the collections agency. A woman with a rude tone told me over speaker-phone that I had never made a payment. I was embarrassed in front of a store full of people. I wasn't allowed to use that phone for any credit. The XXXX rep became rude, charged me full price for all three new XXXX I asked for new phone numbers for the new phones. He said he could show me but there would be a charge. I said I would be ok with that, I just don't want harassing calls anymore. I told him I wanted to handle it right then. He said, no you don't want to pay {$20.00}, just call customer service when you get home. He put the new items in the bag and called over another customer. I have been getting emails regarding I C System updating XXXX, and XXXX. XXXX XXXX had to be the one to notify me. I recognized the name from the annoying phone calls immediately that have been plaguing my family all year. We block a number, they call from another number. XXXX should have never sent my account to collections. I paid my account in full. They broke the law, my children and I have been harassed, and my credit has been adversely affected.
07/28/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WI
  • 54481
Web
I closed this account in XX/XX/XXXX after multiple calls about billing issues that happened the previous couple of months. On XX/XX/XXXX I spent over an hour and a half on the phone with them disputing a XXXX install fee for an installation that didnt happen and they just kept telling me I had to pay it. Then preceded to tell me that if I had telephone service I didnt need the internet but if I had internet I had to have telephone service and when I questioned that the agent said I supposedly called in on XX/XX/XXXX at XXXX and canceled my phone and when I asked what time did I call in and cancel my internet service he said there system didnt have a time stamp and when I repeated what he previously told me he said there system didnt have a date stamp. I asked to speak to his supervisor and when he got on the line I asked about the calls being recorded and told him if he went back to an hour and fifteen minutes he would hear the two conflicting stories the agent told me. He said ok then hung up on me. I called back and I let the first agent I spoke to know what happened and how upset I was about she transferred me to a agent named XXXX I explained all the issues I had with them and she said went ahead and closed the account and put credit on there to cover the install fee and the penalty fees for early termination so I didnt owe them anything. I received the final bills showing the credits and a XXXX balance. I thought it was all taken care of continued to receive junk mail from them saying they wanted me to come back. Then I received a collection letter from the first company in XX/XX/XXXX saying I owed XXXX {$750.00} I called them and they said XXXX closed my account in XX/XX/XXXX due to non payment I disputed it with them and called XXXX directly and disputed it they couldnt tell me where the charges came from but I had to pay it. Then I received another collection letter from a different company in XX/XX/XXXX this time saying I owed XXXX {$520.00} and they closed the account in XX/XX/XXXX I disputed it again. Then in XX/XX/XXXX I received another letter from a third collection company saying I owed XXXX {$350.00} I called them and they said XXXX close sed my account in XX/XX/XXXXand I told them this is the third company and I have disputed it each time and they keep changing the amount owed and now when they closed the account I paid the final bill minus the XXXX install fee and the agent put enough credit on my account to cover that and the early termination fees so I didnt owe them anything
07/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44077
Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. Account Name : I C SYSTEM Account XXXX Please remove it from my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
03/07/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33040
Web
I received a final statement from XXXX XXXX XXXX XXXX, XXXX via USPS mail on Saturday, XXXX XXXX, 2016. The notice was dated XXXX XXXX, 2016 and had been mailed an old address. Monday, XXXX XXXX, 2016 I contacted them via the phone number listed in the letterhead, explained I received the statement, needed to change my address, and would have the first of four installment payments in the mail soon. According to the document one option of payment was to make " 4 equal interest-free installments '' and " The 1st payment due within 30 days of receipt of this statement ''. I put the first of four checks in the mail Monday, XXXX XXXX, 2016, also including a photocopy of the lower half of the letter with my signature as instructed in the document. No additional correspondence had been received from XXXX XXXX XXXX Associates prior to Tuesday, XXXX XXXX, 2016, so I mailed the second of four installment payments to the same address, with documentation as required. The following day I received a letter in the mail from IC System debt collectors, XXXX XXXX, MN, dated for XXXX XXXX, 2016, stating XXXX XXXX XXXX XXXX had sent my account to collections for delinquency. The amount of debt attempting to be collected was the original amount owed, minus the check XXXX XXXX XXXX XXXX had cashed on XXXX XXXX, 2016. I called XXXX XXXX XXXX Associates the next business day, Thursday, XXXX XXXX, 2016 and asked to speak to a supervisor. I spoke with a gentleman named XXXX, who confirmed my paperwork and check had been posted to my account on XXXX XXXX, and cleared XXXX XXXX, 2016. He said I would need to talk to the collections XXXX, XXXX, to further clarify the situation but she was " out of the office ''. I informed XXXX that I had already put the second installment payment in the mail, and left my name, account and contact information and asked my call please be returned ; it was not. XXXX also told me they would contact the debt collector on their behalf and explain the mix up ; they did not. Monday, XXXX XXXX, 2016, after no contact had been initiated by XXXX XXXX XXXX XXXX, I again called the office, was told XXXX was " not in the office '' and they had not received my check. I again told them I wanted my call to be acknowledged and returned. I contacted the debt collector who confirmed XXXX XXXX XXXX XXXX had made no attempts to rectify the misunderstanding, and it was suggested I dispute in writing with supporting documentation or my bad debt would by reported to credit bureaus on XXXX XXXX, 2016.
06/17/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30294
Web Older American, Servicemember
I am a XXXX-year-old XXXX vet on a fixed income with serious XXXX XXXX, I also suffer from XXXX and XXXX ( XXXX ). I went to XXXX in Late XXXX of 2019, I explained my condition to the clerk. The clerk was aware of my condition, was told that under no circumstances could my phone be disconnected it was part of my lifeline, she suggested that the account be placed on auto-pay which is the best means to ensure my account would be in great standing and no chance of being disconnected for non-payment. The following month I returned to the XXXX store and requested a tablet be added to my account, I was told an additional {$38.00} for activation was required, but first, payment was due. At that instant, I did both ; made a payment ( {$58.00} ) and paid for the tablet activation. Two days later my payment of {$58.00} was returned, not rejected and for the first time, my service was interrupted. I went, in person, back to the XXXX Store and voiced my concern. No one was able to explain what happened. The following month my service was interrupted a second time and my condition magnified a thousand. I was in panic mode. I no longer trusted this company to provide consistent uninterrupted service. I did not miss nor was I late paying them. The account was on auto-pay. I call management and got nowhere with them, I informed the representative that I had the right to break the contract due to a breach of trust. I was willing to pay for my devices on the payment plan that was agreed upon, but I could not continue to pay for a phone and data plan. It was not working for me and I was on a fixed income and could not pay for cellular two plans. I contracted XXXX XXXX with a similar plan and using auto-pay. I have had no issues. Since this time I have contacted the company several times concerning that issue and my willingness to pay on time for my devices as agreed on, still, I refused to pay for the data and service which they insisted upon. The balance was {$780.00} or so for the devices. I recently received notification by mail and phone from a collection company demanding {$1600.00} concerning this account, which I flat out refuse to pay due to my not owning this amount and secondly, after my willingness to pay for my devices on terms of the XXXX contract ; which was on a monthly basis, it was XXXX that failed to provide/render services for which I was paying, so, I was forced to secure what was needed for my peace of mind. What I asked from XXXX was reasonable. They were at fought.
07/30/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
Hi Unknown COLLECTION IC SYSTEM-acct # XXXX for {$410.00}???!!! ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07040
Web
XXXX customer service lacks integrity. The company really only understand money. On XX/XX/2018 a phone service was issued in my name by XXXX. Upon noticing the bill over a month later. I called them trying to find out what I supposedly had ordered and tried to shut it down. What I encountered was a ridiculous policy that does not allow customers to access their account if they don't know pertinent information. I did not know the information that XXXX needed besides my social and account number listed on statement. They needed passwords and the numbers off of products they supposedly sent me. I did not have possession of those items therefor I could speak on behalf of that account. I tried again by speaking to someone else and I was told that if I take my identification into the store I could be assisted with the account issue. I visited XXXX XXXX XXXX store in XXXX NJ. I encountered the same issue. I was told that the items sent to me had to be set up and therefore link to my identification, it was some sort of foolishness that didn't make much sense to me. The teal issue was that I did not have time to deal with this because I was working to full time jobs. I had no time to really spare to resolve the issue. Once I had time again I was told by a XXXX representative that I would be sent an identity theft form to take to a law enforcement office nearest me. I absolutely did not have time for this. It was their own policy that did not allow me the due diligence to properly understand why I had a bill summery coming in my name to my address. I wanted to know what identity was used to open an account with them and also where was my signature on a signed document. To this date I have not seen validity or verification from XXXX nor I C Systems Inc. The final bill summery from XXXX had a total charge of {$210.00}. Naturally, after I refused to pay, XXXX eventually turned the bill into a collector. That collector, I C System Inc. put the negative, erroneous information on both XXXX XXXX and XXXX credit reports. Yes, I did not answer I C Systems attempts to collect the debt. One reason is their unfair debt collecting practice. I immediately noticed that they were asking me to pay a higher amount then XXXX posed that I owed them. Their collection amount is {$260.00} that you can see in the attachment. In the state of NJ it is illegal to collect any amount greater than the debt. Enclosed you will also see the last billing amount from XXXX but the copy is in bad shape ( please excuse. )
03/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33813
Web
I had spectrum/charter internet for a short period of time when we moved to our new home. I work from home and require a good internet connection. I continuously lost connection and was told by IT after several attempts to fix the issue, that I needed to exchange the equipment at their local store. On XX/XX/2020 I returned both pieces of equipment to their XXXX location ( 2 part router ). They gave me a different router which was only 1 piece vs 2 this time. It wasn't long before that router wasn't work, so they sent a tech out and exchanged that router for 1 router identical to the 2nd router ( 1 part router ). After losing connection over and over and being threatened with my employment, I finally gave up and changed companies. I immediately returned the router. All routers were now in their possession and I paid my final bill timely. I later received a letter saying a router was not returned and immediately contacted their office. I wasted nearly 2 hours on the phone and was told they would look into locating the item. I figured they located it and all was well until a few months later, I received another letter saying I owe for a router. Once again, I contacted their office and it was a repeat of the prior conversation. I thought they finally rectified the situation, however, just learned that they instead reported it against my credit a few months back. I should not be penalized for their mishandling as I did my part to return all items timely. I only had their service for a few short months and it was a nightmare. Every time I called for tech support due to the router not working, I just kept getting transferred around. There was only 1 tech that attempted to help me, which was just before I exchanged the router instore. I immediately switched to XXXX and have no use for their router. It doesn't make sense that I would only return half of the 2 part router, and that they would agree to give me a new router, if I didn't return both pieces that day instore. To clarify, they're claiming the missing item is 1 of the 2 part routers ( initial router set ), which was returned instore on XX/XX/2020 in exchange for a 1 piece router. They would not exchange a new router had I not returned all equipment. I have wasted enough time going back and forth over a XXXX item which is absolutely ridiculous. Their employees should be more accountable and/or their systems should verify items returned. I thought the receipt he gave me was sufficient and sent it to the company multiple times.
01/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31707
Web
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
08/26/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 01850
Web
ACCOUNT WAS PAID OFF AND I WAS TOLD THAT IT WOULD BE DELETED! PLEASE HELP! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
04/25/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37221
Web
I have attempted to resolve this issue once with IC System, Inc. ( " IC '' ) and the original creditor, XXXX XXXX XXXX -- in XX/XX/XXXX -- and one previous time with XXXX XXXX XXXX -- in XX/XX/XXXX -- which attempt went unanswered. I returned all of my XXXX XXXX XXXX XXXX equipment to XXXX XXXX XXXX when I moved in XX/XX/XXXX, and thereby canceled the service. I have a shipment receipt from the XXXX XXXX ( XXXX XXXX XXXX XXXX specific vendor for this purpose ) evidencing the return of all leased equipment. As of the date I returned the leased equipment, my bill should have been about {$250.00}. In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX proffered an invoice to me purporting to demonstrate a total amount due on my cancelled XXXX account in the amount of {$770.00}, which included charges for service, and charges for rented equipment, through XX/XX/XXXX. In XX/XX/XXXX, IC sent a collection notice from IC System for the same alleged debt. In XX/XX/XXXX, I sent letters, with numerous exhibits to both XXXX XXXX XXXX and IC. IC sought perfunctory evidence of the indebtedness from the creditor, which XXXX XXXX XXXX provided, and IC sent a new collection notice in XX/XX/XXXXor XX/XX/XXXX. The evidence provided by XXXX XXXX XXXX and relied upon by IC -- apparently without having been reviewed -- plainly contradicts the claim that my balance is {$770.00}, because the document shows that XXXX XXXX XXXX charged rental fees for equipment that had already been returned and was in its possession. ( I was not under a service contract at this time ; the term had ended in XX/XX/XXXX or early XX/XX/XXXX. ) Accordingly, even if I somehow still could possibly have had service at a residence I no longer occupied or had anything to do with, XXXX XXXX XXXX is still charging rental fees for equipment that had been returned. IC knew and knows of this defect, yet insists that I am on the hook for the {$770.00} figure. I have invited IC and XXXX XXXX XXXX to calculate the amount I owed in XX/XX/XXXXbut they have refused. IC is now posting the purported debt to the consumer reporting agencies, and I have informed IC that it should prepare to sue me. ( I am a financial services litigation attorney, and obviously have counter-claims in mind. ) I have always been willing and able to pay whatever balance was due on my XXXX XXXX XXXX XXXX account as of XX/XX/XXXX. BUt I will not allow IC and XXXX XXXX XXXX to shake me down for indebtedness that I do not owe and never incurred in the first place.
06/06/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33441
Web
XXXX , XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX PLEASE UP DATE MY PHONE MUMBER : XXXX I C SYSTEM INC XXXX AND I C SYSTEM INC XXXX 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 iden tity 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 XXXX AND I C SYSTEM INC XXXX 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 th e U.S. District Court for the XXXX District of Califo rnia Stop c ollection proceedings against me Signatures on applications and accounts Investigators report XXXX , XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • ME
  • 04401
Web Servicemember
I was reviewing my credit report the other day and noticed that my XXXX score had dropped several points. I check my credit reports 2-3 times per week and receive email alerts with any changes in my credit file on all 3 credit bureaus. This score decrease came out of nowhere, so I started investigating. Upon examining my report in search of what may have caused this sudden and unexpected drop in my score, I discovered that a collection account had been reported by IC System claiming that I owe XXXX XXXX XXXX {$1100.00}. First of all, I have NEVER EVER had an account with XXXX XXXX XXXX XXXX EVER. Secondly, this collection was REINSERTED into my credit report after it had already been DELETED OVER A YEAR AGO because it was incorrect and false reporting. Now, over a year after it was deleted from my credit reports, it is suddenly making a reappearance and decreasing my scores. THIS IS NOT ALLOWED. You CAN NOT reinsert a collection account into somebody's credit report AFTER it had already been deleted by the credit bureaus due to it being INCORRECT as I DO NOT owe this debt. I will NOT tolerate this slanderous, defamatory, and FALSE information on my credit reports. I work EXTREMELY hard to maintain an excellent credit rating and my wife and I are in the process of preparing to build a new home, so I will NOT allow some bottom feeding, money hungry collection agency to SLANDER my good credit with FALSE information and interfere with MY life plans. Again, this collection account was DELETED from my credit reports by the credit bureaus over a year ago because it was being falsely reported as I have NEVER done business with XXXX XXXX XXXX or XXXX ( credit bureaus do not delete collection accounts without valid reason ) and now these people from IC System are reporting it AGAIN after it has been long since deleted from my credit reports, which is NOT allowed. If this slanderous, incorrect collection is not IMMEDIATELY removed from my credit reports, I will be proceeding with legal action and will be seeking monetary damages from IC System for REPEATED false credit reporting. This CFPB complaint is just the very first action that I am taking in order to allow IC System a brief widow of opportunity to rectify this very serious matter. Otherwise, I can promise that I WILL be taking much more drastic action against IC System if this slanderous collection remains on my credit reports. A screen shot of this collection from my XXXX credit report is attached to this complaint.
06/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02780
Web
HI XXXX / IC SYSTEM FOR BALANCE {$3800.00}???? : Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.
11/05/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30349
Web Servicemember
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order I C SYSTEMS COLLECTIONS to make recompense and pay redress and compensation for their trespass against me. I C SYSTEMS COLLECTIONS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
08/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78108
Web Servicemember
The Debt Collection Company IC Systems has recently reported to my XXXX XXXX Credit Report That there is an unpaid debt to XXXXXXXX XXXX. They are showing the account was opened on XX/XX/XXXX and last reported to the Credit as in collection as of XX/XX/XXXX. I have contacted them collection company and requested validation of this debt. I have also contacted XXXX XXXX who informed me that this account was Closed on XX/XX/XXXX, making this debt over 5 years old and 1 year past the statue of limitations in the State of Texas, however IC systems has " re-aged '' this debt in order to report it to the credit Bureau I have also asked XXXX XXXX for Notification of attempts to collect any debt from XXXX and they will not provide anything. Never has XXXX XXXX to my knowledge ever reported any collection on any of my Credit in the last 5 years until IC Systems took over the collection agency as of XX/XX/XXXX. I have disputed this debt as I have no recollection of owing any money to XXXX XXXX in which they say is " unpaid programing '' and " early termination '' fees that they will not provide any documentation on and to my knowledge never obtained or reported any collection activity on my credit until now. With IC systems reporting this 5 year old " Debt '' and " re-aging '' it to a 2 month old debt, this has drastically negatively impacted my credit score do to their Illegal reporting practice of " RE-Aging '' the debt. So when a lender looks at my credit for any type of loan purpose they will see a new collection that is 2 months old negatively impacting my ability to extend or receive new credit. I am not sure how a company can just out of no where start reporting a Debt that is over the statue of Limitations as well as reporting the incorrect dates of the said debt. I need your help in removing this off of my credit. I fear that If I make any attempts to make any payments on this 5 year old account, it will reopen the statue of limitations and reporting limits of the Debt. So with them reporting this debt as of XXXX it will now stay on my credit until the year XXXX instead of dropping off 7 years past the original date of the said debt. I have also disputed these charges with XXXX XXXX with no avail or communication efforts on their part until I received this on my credit, and I will also state that the Debt was reported to my credit Months prior to receiving any written notification from IC systems as I have just received a letter today XX/XX/XXXX XX/XX/XXXX
09/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30044
Web
Last XX/XX/XXXX I went to XXXX to get a phone at the location Mall of Georgia XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. The store manager XXXX XXXX had the sales representative XXXX XXXX help me out selecting the best option. The agreement indicated I had up to 14 days to return the device without being penalize. On day 14 I went to the office to return the device ( XX/XX/XXXX ). On this day XX/XX/XXXX I spoke with the store manager XXXX XXXX. He indicated there was nothing rendered for me to do and that everything was taken care. However, when I asked for a proof or receipt for the returned device XXXX XXXX XXXX indicated I did not needed anything as he had already canceled all services and lease device in the system. Weeks went by and I begin to receive notices from XXXX indicating I owe the services and device I previously returned. I got in touch multiple times with the store I purchased/returned the device and was told to disregard that in their systems I was already canceled and so forth there was nothing else needed from me. Soon after that I received another notice so then I took action and went personally to another XXXX store located XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Telephone number ( XXXX ) XXXX and asked to speak with the store manager XXXX XXXX. However, the request was denied and another sales representative asked me to go to the other store where I initially got the cellphone. On XX/XX/XXXX I obtained a copy of the final statement from XXXX on which listed me responsible for {$1000.00}. Shortly after on Monday, XX/XX/XXXX at around XXXX I received a phone call from a collection agency named : XXXX XXXX with the reference number XXXX requesting a payment in full on behalf of XXXX for the same amount previously described {$1000.00}. I disputed the balance and notified them that I did not owe the stated balance. The representative proceed and threaten to report my account to the credit bureau on XX/XX/XXXX. On Friday, XX/XX/XXXX I received the notice in the mail from IC System Collection Agency. I also faxed the proof of refund to IC System to the fax number ( XXXX ) XXXX with the case # XXXX. The IC System representative also indicated that XXXX never charged anything to my bank account on which I dispute as I have multiple charges from XXXX - XX/XX/XXXX {$31.00}, XX/XX/XXXX {$31.00} and {$42.00}, XX/XX/XXXX {$63.00}, and $ XX/XX/XXXX {$63.00} see attached proof of payment. The representative proceed to tell me my account was on hold.
10/30/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MO
  • 63033
Web
This company ( I.C. Systems, INC ) ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
10/18/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33069
Web
On XX/XX/2020 I received a alert from my credit monitoring service of account on my credit report inserted by I.C SYSTEMS in the amount of {$130.00}. I mailed a certified letter if dispute requesting them to remove the account and to validate the debt. I have never received a bill statement for this amount and to remove. I also contacted XXXX on XXXX XXXX and to the billing department asking to send a itemized statement andcto dispute the charges. I was advised by Rep.XXXX XXXX that this would be disputed and validated. XXXX XXXX asked to check back in 48 hours. Ibwas given tickey # ( XXXX ). I called back again to XXXX and spoke with XXXX and was advised that there was no billing on the account. She stated that she would advised the collection agency to remove from my account. She stated that the ticket provided by XXXX was never escalated. She assured me that her tickt ( XXXX ) would be escalated and the account would be removed from collections as there was no proof that I owed the balance. Told me to allow 7 business days. She said I would receive an email confirmation of the outcome. Never happened. I called back again on XX/XX/2020 and spoke with XXXX and advised of the run around about this so called bill that I owe. It just appeared out of thin air. She stated she would also create a ticket to have this account looked into and removed. I was advised that she would personally call me back as she starts work at XXXX EST. I've never received that call to date. I reached out to XXXX today and spoke to XXXX. He advised me that all the tickets provided to me yielded no results. He stated that the collection department is saying i owe the debt, but they have no records of account to show. I advised him that this is in Violation of the FCRA. I also went to the local office and was told that the account shows XX/XX/XXXX balance and that they have no record of what the statement shows. This is a travesty and illegal. How can you say I owe a bill from over 2 years ago and not prove to me or the collection agency that I owe the debt. This unfair. I paid my bill in full. I also requested that the collection agency verify the debt and they have yet to respond. The account they are reporting is attached to XXXX. They should be able to provide me with information about this balance and they have failed. This was a internet essentials account for low income families for XXXX per month. Why am owing that balance? This is shame on XXXX. I will never use them again.
10/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 30358
Web
My XXXX account opened in XXXX was wrongfully disconnected multiple times in XXXX after some incorrect billing after a transfer. XXXX failed to reconnect my service in a timely manner after the last reconnection. I fully paid fees that were attributed to services that I used ; however, for every wrongfully termination of service, XXXX continue to add fees and credit some fees back to my account. They added over {$300.00} in fees for 'early termination ' of a contract that I never requested to be terminated. I attempted on numerous occasions to reactive service and finally went to FCC. Upon filing an FCC complaint, the representative from XXXX, named XXXX XXXX, admitted that XXXX would never resolve the issue because they would have to admit to FCC that they were wrong. Before this conversation, nearly two years after the wrongful termination of services, XXXX never sought collection of funds. Shortly after the FCC complaints were filed, XXXX aggressively sought to collect money from me for " early termination of services '' using a company called XXXX XXXX despite their knowledge that I never sought to terminate services. After receiving a letter from XXXX XXXX in XXXX of XXXX, I sent a certified letter within 30 days disputing the charge and asking for an investigation. The company failed to provide with me an update. Another collections company, I C System Inc, improperly filed with credit bureau saying that I owe them {$370.00} without providing notices or results of investigation beforehand. This improper and careless act wrongfully lowered my score. In addition, these fees were not accrued by me. XXXX terminated services and refused to provide me their services. I have email proof of their initial removal of the fee and they once again added the same fees. XX/XX/XXXX - XX/XX/XXXX - wrong billing and multiple wrongfully termination of services that were paid for. XX/XX/XXXX - FCC complaint filed against XXXX XXXX FCC compliant filed again, pursuant failure of XXXX to address the primary complaint and provide me with a copy of their response to FCC regarding my complaint XX/XX/XXXX - Dispute letter was sent via certified mail to XXXX XXXX, who persistently harassed me via phone for 2 months before sending ( 1 ) letter in XX/XX/XXXX to inform me of their intention to pursue collections. XX/XX/XXXX - I C System Inc files collection on my credit report without ever sending me any communication nor opportunity to dispute that I've received.
03/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
HI IC System / XXXX ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
01/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
Hi IC SYSTEMS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
08/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02746
Web
Hi IC Systems ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/30/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MO
  • 63112
Web
This company ( I.C. Systems ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
11/24/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37127
Web
1.I have never had an account with this company I.C. SYSTEM, INC XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I.C. SYSTEM, INC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
05/25/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92123
Web
XXXX is trying to make me pay for a service I did not have. I Canceled my service with XXXX XXXX XXXX on The morning of XXXX XXXX, 2015 then turned my equipment in which was XXXX box and XXXX remote the following Friday which was XXXX of XXXX. I canceled my service with XXXX because on XXXX XXXX of 2015 XXXX XXXX XXXX came and installed XXXX and Internet, so at this point I know longer needed service from XXXX XXXX XXXX that is why I canceled Friday morning XXXX XXXX, 2015. Two weeks after this I received a bill from XXXX XXXX XXXX for {$41.00}, claiming it was for service from XXXX XXXX to XXXX XXXX of 2015, but I did not have service from XXXX XXXX XXXX on those dates, I owe them no money. I then called them and spoke to a supervisor talked about the situation and they said the charges would be dropped. About two weeks after that I received a letter from a credit agency claiming that I owed XXXX the {$41.00} plus interest which now they claimed was {$58.00}. This agency was called " XXXX XXXX XXXX '' I contacted them and also sent a letter 100 % disputing the validity of their attempted collection, I explained to them what happened & about 10 days later I received a letter back from them stating they were dropping the attemped collection after reviewing my information that I had given to them. so after speaking to XXXX XXXX XXXX and then dealing with this credit management collection agency I thought everything had been dropped. unfortunately I was wrong it 's been almost a year later and now I and being harassed by another credit collection company called " IC System ", they are claiming the same thing the first credit card company stated, so I contacted them and also sent them a letter and paperwork 100 % disputing the validity of their notice. now they are claiming they never received a letter from me so today I 'm sending them off another letter, very frustrating this 'll be the second one I sent to them. At this point I 've called them and sent a letter disputing the validity of their notice and they will still not quit calling and harassing me, Now they 're saying if They do n't get the letter to them in time they 're going to report me to the big credit agencies. Report me for what, I have done nothing wrong I owe no money & this notice is completely bogus. please help me resolve this issue ... ... I have excellent credit and they are trying to ruin it, they are creating a lot of extra XXXX in my life and XXXX
05/11/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
08/01/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70058
Web
To Whom It May Concern : This letter is sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating 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 above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your office to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Best Regards
11/16/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37411
Web
1.I have never had an account with this company I C SYSTEM XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I C SYSTEM the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
10/30/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93728
Web
My wife and I had XXXX XXXX until we moved to a different house. Because of where we were moving to XXXX was not the best service for our new location so we canceled it. It took us a while to get settled into our new home and the equipment got put into a box that we didnt realize never got unpacked until quite a while later. When we came upon the equipment my wife called and spoke to someone and asked if we were being charged for it. They advised that an amount of {$770.00} was being charged for the 3 boxes that we had. She asked if we submitted them back if that amount would be taken off and we were assured that it would be. My wife got a XXXX XXXX XXXX XXXX XXXX return Reciept from the person she spoke with and went to the XXXX store the next day, which was XX/XX/17. The XXXX XXXX XXXX representative said to make sure that we kept the reciept and proof that it was sent back. Just recently I got a credit alert that there was a new debt in collections for {$770.00} through IC Systems on behalf of XXXX XXXX XXXX. I immmediately called XXXX XXXX XXXX and told them what happened provided them with the information from my reciept and the woman I spoke with said no problem she would submit a case and it would get taken care of. That was over two weeks ago and this collection is still on my account. I called back, spoke with a XXXX and she advised the case I had submitted was rejected because it was over the allowed timeline to submit the equipment and I would still be charged with it. I told her that no one had ever mentioned to us since the day we returned the equipment that we would be over a time limit to return it- and we were absolutely not informed that even if they received the equipment back we would still be charged. I explained all of this to XXXX, who basically said that I was told wrong information and there wasnt anything she could do. I find this very frustrating and ridiculous. As soon as we found our equipment we tried to make it right with XXXX XXXX XXXX and were told it would all be taken care of. Why go through the trouble of waiting in line at a XXXX store and hanging onto this paperwork for over a year if we werent going to have those charges removed? I would like XXXX XXXX XXXX to honor their word and remove the charges- since they can confirm they DO have the equipment we sent back to them and we were never told about this mysteries deadline until today when I was told my request was rejected.
04/26/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32905
Web
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
03/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23112
Web
In XX/XX/2017 I noticed that IC Systems/XXXX was shown on my credit report as a collections account. I contacted them to confirm the address for the service because I had evidence of paying my XXXX account prior to relocating out of the state of PA. The address they provided was an address that I have never lived and during the time the service was provided, I showed evidence that I was living in VA. I submitted all of this information to all 3 credit bureaus ( XXXX, XXXX and XXXX ) so that the erroneous information would be removed. My credit report also showed the address where XXXX service was provided and I submitted evidence to all 3 credit bureaus advising that I never lived at the address they had on file. Each credit bureau removed the collection account as well as that address listed based on the written documentation provided. At the end of XX/XX/2017, I received a call from XXXX attempting to collect on that same debt that I had the credit bureaus remove and I advised them again that this was not my debt since I had never resided at the address where XXXX provided service. I was told that in order for me to stop the collection calls, I needed to fill out a form for fraud on their website. I completed this as required but received a letter advising they would not process my online form unless I could provide a police report for identity theft.. When I contacted XXXX XXXX ( VA ) Police Department they basically advised that since I was not sure who stole my identity, I should have been able to dispute this with documentation evidencing my previous address during the time the services were provided by XXXX. On XX/XX/2017, I submitted a letter to XXXX ( attached in this complaint ) advising them of this and provided all supporting documentation to evidence that I never lived at the residence and I never heard back. Today I received an alert from XXXX XXXX that a collection account has been added to my credit report from IC Systems and the original creditor is XXXX. This has caused my credit score to go down XXXX points. It has been 2 years since I sent the letter to XXXX and they have never responded but have sold this debt to IC Systems again and is now showing as a collection on my credit report. I have never received any information or telephone calls since submitting my letter to them 2 years ago. I have submitted a letter to the 3 credit bureaus again to have this removed from my credit file
03/09/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33462
Web
XXXX XXXX, XXXX-XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX* ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX AND I.C. SYSTEM, INC XXXX Your company have violated FCRA 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 XXXX AND I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
12/20/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02721
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
10/21/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02127
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
11/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02169
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
06/17/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 34986
Web
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT I.C. SYSTEM, INC XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 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 XXXX I.C. SYSTEM, INC XXXX 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 XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77545
Web
In XXXX of 2012 while I was in an unemployed status a young lady, XXXX XXXX was going door-to-door in our neighborhood trying to sign people up with XXXX XXXX. Since I was out of work and was looking for ways to save money, I was interested in what she had to say. My only problem was that I was still under a contract with XXXX XXXX and I told her that and she assured me that I would be receiving a Visa gift card in the mail as a bonus for signing up with XXXX XXXX that I could use to pay any cancellation fee with XXXX XXXX. Since their rates were a little less, my husband and I decided to go for it and signed a contract. I had to call a number to confirm that we had agreed to the changing of our service over to XXXX XXXX, and while making this phone call I found out that I had been misled on the XXXX gift card, and would n't actually be receiving it until we had fully met the terms of our contract after a year, which meant I would have to come up with the cancellation fee for XXXX XXXX, and being out of work, we could not afford that. The contract we signed said we had up to 3 days to cancel the contract, which I did within XXXX hours of signing the contract. I immediately called them and spoke with XXXX to cancel our service, who gave me a reference number ( # XXXX ) confirming my cancellation request, and then I also e-mailed in the required notice of cancellation that same day. When on XXXX XXXX I received a notice confirming that I had requested to change my service from XXXX to XXXX XXXX, I called XXXX XXXX and spoke with a XXXX to confirm with her that my service was still active, and she confirmed that it was. After receiving my first bill, I contacted XXXX and informed the billing department that I had cancelled my service within XXXX hours of signing the contract and that my service with XXXX XXXX was never interrupted, and that they, XXXX NEVER did supply my electricity, so why they are charging me for service they never even supplied. This in my opinion is fraudulent business practice on the part XXXX XXXX. I also made several other calls and spoke with individuals in XXXX XXXX 's billing department when I received bills in the mail, and never could get anyone to listen to me or get supervisors to return my calls regarding what I was trying to tell them were bills in error. Please feel free to contact me for any further information you XXXX need regarding this complaint.
05/12/2020 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • UT
  • 84117
Web
This complaint is to dispute communication with XXXX XXXX and IC Systems. I had an emergency room visit XXXX of XXXX where I spoke with a doctor and provided a XXXX sample and was charged {$520.00} after insurance. I request a lower rate after a few months of service upon receiving a bill. I was told that they would call me back after a review was conducted. A few months later I was reached out again in XXXX of XXXX after no phone call was made and explained the situation over again and was told to wait for a call, to which I provided the number they should call. Then in XXXX of XXXX I answered a call from IC Systems explaining they were a debt collector for XXXX XXXX and that they were to collect a debt. The very same debt that I had inquired about and was waiting to hear back, even though I never received a call from XXXX responding to my original request. At which point I explained again what was going on. They said I could send in a physical letter asking to dispute the charges from XXXX XXXX. I asked if I could file this dispute electronically and was told that was not a possibility. I explained to them to stop calling me and then I would send the letter and to email me the physical address to send the dispute. I called a second time a month or two later after not receiving the email after verifying that I don't not receive the email, nor in a spam/junk folder, and was told they would send the email again. I also re-verifying my email. Now XXXX of XXXX I get a hit on my credit report with a collection action. I then called IC Systems back to which I had to explain the issue once again and requested they reverse the item on my credit report. They said they can not reverse the item on my credit score and said they can confirmation that the email was sent. To which I checked my email again on the date they provided it was send of XX/XX/XXXX, and it was not there. I was then given the actual address to send the dispute to. When I asked XXXX XXXX, a supervisor, at IC Systems to wait on hold for a few minutes after a short while she proceeded to hang up without notice. I now have the physical address to send the dispute per their policies. I plan to send this dispute tomorrow ( XX/XX/XXXX ) the day after speaking with IC Systems. I would like this reverse immediately due to the lack of communication on XXXX XXXX 's part and IC Systems for not returning calls as promised or delivering emails.
06/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28056
Web
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 14. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 17. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 18. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 20. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 23. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 25. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 28. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 29. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
01/30/2021 Yes
  • Debt collection
  • Other debt